Mahindra & Mahindra Financial Services Valuation
Is M&MFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation 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 M&MFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: M&MFIN (₹267.1) is trading above our estimate of fair value (₹118.36)
Significantly Below Fair Value: M&MFIN is trading above our estimate of fair value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for M&MFIN?
Other financial metrics that can be useful for relative valuation.
What is M&MFIN's n/a Ratio? | |
---|---|
n/a | 0x |
n/a | n/a |
Market Cap | ₹329.67b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 0.8x |
Price to Earnings Ratio vs Peers
How does M&MFIN's PE Ratio compare to its peers?
Company | Forward PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 22.7x | ||
FIVESTAR Five-Star Business Finance | 27.1x | 19.3% | ₹226.6b |
CHOLAHLDNG Cholamandalam Financial Holdings | 12.9x | n/a | ₹215.0b |
CREDITACC CreditAccess Grameen | 17.4x | 15.5% | ₹233.8b |
SUNDARMFIN Sundaram Finance | 33.5x | 11.0% | ₹536.6b |
M&MFIN Mahindra & Mahindra Financial Services | 17x | 20.7% | ₹329.7b |
Price-To-Earnings vs Peers: M&MFIN is good value based on its Price-To-Earnings Ratio (17x) compared to the peer average (22.7x).
Price to Earnings Ratio vs Industry
How does M&MFIN's PE Ratio compare vs other companies in the IN Consumer Finance Industry?
Price-To-Earnings vs Industry: M&MFIN is good value based on its Price-To-Earnings Ratio (17x) compared to the Indian Consumer Finance industry average (22.7x).
Price to Earnings Ratio vs Fair Ratio
What is M&MFIN'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.
Fair Ratio | |
---|---|
Current PE Ratio | 17x |
Fair PE Ratio | 25.8x |
Price-To-Earnings vs Fair Ratio: M&MFIN is good value based on its Price-To-Earnings Ratio (17x) compared to the estimated Fair Price-To-Earnings Ratio (25.8x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
---|---|---|---|---|---|---|---|
Current | ₹267.10 | ₹304.29 +13.9% | 12.3% | ₹360.00 | ₹240.00 | n/a | 31 |
Apr ’25 | ₹286.95 | ₹304.44 +6.1% | 11.5% | ₹360.00 | ₹235.00 | n/a | 32 |
Mar ’25 | ₹287.75 | ₹303.19 +5.4% | 11.8% | ₹360.00 | ₹235.00 | n/a | 32 |
Feb ’25 | ₹284.55 | ₹302.72 +6.4% | 11.9% | ₹360.00 | ₹235.00 | n/a | 32 |
Jan ’25 | ₹275.20 | ₹298.88 +8.6% | 12.7% | ₹360.00 | ₹218.00 | n/a | 33 |
Dec ’24 | ₹273.65 | ₹298.32 +9.0% | 12.6% | ₹360.00 | ₹218.00 | n/a | 34 |
Nov ’24 | ₹246.90 | ₹298.26 +20.8% | 12.4% | ₹360.00 | ₹218.00 | n/a | 35 |
Oct ’24 | ₹301.35 | ₹318.76 +5.8% | 11.0% | ₹368.00 | ₹220.00 | n/a | 34 |
Sep ’24 | ₹299.15 | ₹316.61 +5.8% | 10.9% | ₹368.00 | ₹220.00 | n/a | 33 |
Aug ’24 | ₹295.85 | ₹317.13 +7.2% | 11.2% | ₹370.00 | ₹220.00 | n/a | 32 |
Jul ’24 | ₹336.45 | ₹294.83 -12.4% | 13.1% | ₹360.00 | ₹215.00 | n/a | 29 |
Jun ’24 | ₹294.05 | ₹288.83 -1.8% | 12.2% | ₹350.00 | ₹215.00 | n/a | 30 |
May ’24 | ₹259.00 | ₹279.31 +7.8% | 13.0% | ₹350.00 | ₹210.00 | ₹261.15 | 29 |
Apr ’24 | ₹231.65 | ₹268.45 +15.9% | 16.7% | ₹350.00 | ₹166.00 | ₹286.95 | 29 |
Mar ’24 | ₹255.10 | ₹263.21 +3.2% | 16.4% | ₹350.00 | ₹166.00 | ₹287.75 | 28 |
Feb ’24 | ₹233.85 | ₹233.72 -0.05% | 15.7% | ₹315.00 | ₹160.00 | ₹284.55 | 29 |
Jan ’24 | ₹234.60 | ₹229.34 -2.2% | 15.0% | ₹315.00 | ₹160.00 | ₹275.20 | 29 |
Dec ’23 | ₹220.30 | ₹227.61 +3.3% | 14.9% | ₹315.00 | ₹160.00 | ₹273.65 | 28 |
Nov ’23 | ₹198.15 | ₹210.50 +6.2% | 14.1% | ₹260.00 | ₹150.00 | ₹246.90 | 28 |
Oct ’23 | ₹185.25 | ₹206.93 +11.7% | 15.3% | ₹260.00 | ₹149.00 | ₹301.35 | 28 |
Sep ’23 | ₹206.85 | ₹204.26 -1.3% | 14.6% | ₹250.00 | ₹149.00 | ₹299.15 | 27 |
Aug ’23 | ₹189.75 | ₹204.26 +7.6% | 14.6% | ₹250.00 | ₹149.00 | ₹295.85 | 27 |
Jul ’23 | ₹178.65 | ₹197.72 +10.7% | 14.4% | ₹250.00 | ₹141.00 | ₹336.45 | 25 |
Jun ’23 | ₹180.60 | ₹199.81 +10.6% | 14.7% | ₹260.00 | ₹141.00 | ₹294.05 | 26 |
May ’23 | ₹183.15 | ₹186.04 +1.6% | 17.1% | ₹240.00 | ₹125.00 | ₹259.00 | 24 |
Analyst Forecast: Target price is less than 20% higher than the current share price.