MAS Financial Services Valuation

Q: What is the Fair Price of 540749 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

540749 (₹298.1) is trading above our estimate of [[fair value]] (₹119.97)

Is 540749 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 540749 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 540749 (₹298.1) is trading above our estimate of fair value (₹119.97)

Significantly Below Fair Value: 540749 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 540749?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for 540749. This is calculated by dividing 540749's market cap by their current preferred multiple.
What is 540749's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	n/a

540749 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does 540749's PE Ratio compare to its peers?

The above table shows the PE ratio for 540749 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	20.3x
FEDFINA Fedbank Financial Services	14.3x	33.8%	₹38.3b
532900 Paisalo Digital	22x	25.8%	₹40.6b
EQUITAS Equitas Holdings	16.2x	44.7%	₹41.1b
SPANDANA Spandana Sphoorty Financial	28.7x	84.8%	₹27.4b
540749 MAS Financial Services	19.2x	n/a	₹54.1b

Price-To-Earnings vs Peers: 540749 is good value based on its Price-To-Earnings Ratio (19.2x) compared to the peer average (21.7x).

Price to Earnings Ratio vs Industry

How does 540749's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	22.4%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	22.4%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: 540749 is good value based on its Price-To-Earnings Ratio (19.2x) compared to the Indian Consumer Finance industry average (22x).

Price to Earnings Ratio vs Fair Ratio

What is 540749's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

540749 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	19.2x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 540749's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 540749 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	₹298.10	₹361.50 +21.3%	7.4%	₹401.00	₹325.00	n/a	4
Nov ’25	₹292.05	₹361.50 +23.8%	7.4%	₹401.00	₹325.00	n/a	4
Oct ’25	₹288.20	₹343.33 +19.1%	5.0%	₹360.00	₹320.00	n/a	3
Sep ’25	₹290.05	₹343.33 +18.4%	5.0%	₹360.00	₹320.00	n/a	3
Aug ’25	₹292.30	₹343.33 +17.5%	5.0%	₹360.00	₹320.00	n/a	3
Jul ’25	₹294.80	₹358.33 +21.6%	6.5%	₹390.00	₹335.00	n/a	3
Jun ’25	₹289.60	₹358.33 +23.7%	6.5%	₹390.00	₹335.00	n/a	3
May ’25	₹298.45	₹358.33 +20.1%	6.5%	₹390.00	₹335.00	n/a	3
Apr ’25	₹294.30	₹375.78 +27.7%	2.9%	₹386.67	₹360.67	n/a	3
Mar ’25	₹331.70	₹375.78 +13.3%	2.9%	₹386.67	₹360.67	n/a	3
Feb ’25	₹329.22	₹383.33 +16.4%	0.9%	₹386.67	₹380.00	n/a	2
Jan ’25	₹289.08	₹361.67 +25.1%	1.4%	₹366.67	₹356.67	n/a	2
Dec ’24	₹277.77	₹361.67 +30.2%	1.4%	₹366.67	₹356.67	n/a	2
Nov ’24	₹305.15	₹340.00 +11.4%	5.9%	₹360.00	₹320.00	₹292.05	2
Oct ’24	₹301.23	₹310.00 +2.9%	3.2%	₹320.00	₹300.00	₹288.20	2
Sep ’24	₹272.40	₹310.00 +13.8%	3.2%	₹320.00	₹300.00	₹290.05	2
Aug ’24	₹262.18	₹318.33 +21.4%	4.7%	₹333.33	₹303.33	₹292.30	2
Jul ’24	₹259.38	₹316.67 +22.1%	5.3%	₹333.33	₹300.00	₹294.80	2
Jun ’24	₹246.33	₹316.67 +28.6%	5.3%	₹333.33	₹300.00	₹289.60	2
May ’24	₹233.58	₹328.33 +40.6%	3.6%	₹340.00	₹316.67	₹298.45	2
Apr ’24	₹267.88	₹331.67 +23.8%	2.5%	₹340.00	₹323.33	₹294.30	2
Mar ’24	₹271.07	₹331.67 +22.4%	2.5%	₹340.00	₹323.33	₹331.70	2
Feb ’24	₹264.85	₹337.50 +27.4%	3.7%	₹350.00	₹325.00	₹329.22	2
Jan ’24	₹270.55	₹351.67 +30.0%	0.5%	₹353.33	₹350.00	₹289.08	2
Dec ’23	₹284.97	₹351.67 +23.4%	0.5%	₹353.33	₹350.00	₹277.77	2
Nov ’23	₹262.83	₹273.33 +4.0%	1.2%	₹276.67	₹270.00	₹305.15	2

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.