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Insights for Mahindra and Mahindra Financial Services
National Stock Exchange: M&MFIN
05 - Growing & Profitable but Heavily Leveraged
Sector: Misc
Industry: Misc
Based on PEG Ratio: Unknown
Today's Price
updated on: 		252.5 (-0.43%)
Open 254.7 (-0.86%)
High (Upside %) 258.0 (2.18%)
Low (Downside %) 251.05 (0.58%)
P. Close 253.6 (-0.43%)
Open-High % 1.3%
Open-Low % 1.43%
Low-High % 2.77%
Active Buy Quantity 0
Active Sell Quantity 2032
% Overtraded
Current Mood bearish
Previous Data
data from:
Open-High % 1.15%
Open-Low % 0.42%
Low-High % 1.57%
Open-Close % 0.61%
Low-Close % 1.04%
High-Close % 0.53%

M&MFIN is a Stock listed in the India on the National Stock Exchange under the ticker 'M&MFIN'

Company Summary

Business Units or Product Lines

Mahindra and Mahindra Financial Services primarily operates in rural and semi-urban markets offering a range of financial services. Its main product lines include vehicle financing, which caters to vehicles such as tractors, utility vehicles, and cars, and SME financing, which provides loans for small and medium-sized enterprises. Additionally, it offers insurance and housing finance products through its subsidiaries.

Business Models for Each Product Line

For vehicle financing, the company generates revenue through interest income by providing loans for vehicle purchases, with the primary expenses being cost of funds, loan servicing, and credit loss provisioning. The SME financing segment similarly generates income via interest on loans, with costs centered on risk management and financing expenses. Insurance services generate revenue through premium collection, while expenses include underwriting costs and claims. The housing finance segment also earns through interest income on home loans issued.

Future Opportunities for Growth

The company's growth opportunities include expanding its digital lending platforms to increase efficiency and reach, broadening its product offerings in insurance and asset management, and leveraging partnerships to access new customer segments. Additionally, Mahindra Finance can capitalize on the increasing demand for vehicle and home loans in rural and semi-urban India, bolstered by government infrastructure projects and policy support for rural development.

Potential Major Risks

Potential risks include higher credit default rates due to economic instability affecting rural incomes, regulatory changes impacting lending practices, competition from banks and fintech in the financial services space, and technological disruptions. Additionally, any downturn in the automotive sector can significantly impact vehicle financing business, and adverse weather conditions could affect agricultural-dependent borrowers.

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Also read: https://finance.yahoo.com/M&MFIN.NS/profile

Predicted Prices
Key Low (open) Low (high) Close-Down (open) Close-Down (high) Close-Up (open) Close-Up (low) High (open) High (low)
Low Volatility 253.8
47.72% hit 		255.0
54.17% hit 		253.57
19.49% hit 		257.13
49.33% hit 		255.84
17.34% hit 		251.73
53.16% hit 		255.73
45.56% hit 		254.01
54.17% hit
Average Volatility 251.5
31.92% hit 		252.48
35.01% hit 		252.06
15.79% hit 		255.15
36.63% hit 		256.8
14.92% hit 		253.86
33.33% hit 		257.32
32.06% hit 		256.53
35.01% hit
High Volatility 246.87
3.56% hit 		247.71
3.56% hit 		248.83
3.76% hit 		250.86
4.1% hit 		260.2
3.23% hit 		259.51
3.83% hit 		262.34
3.9% hit 		261.48
3.56% hit

M&MFIN's predicted prices using open from of 254.7 and data until date . Current Price is 252.5

Basic Stats
EBITDA-Display Revenue-Actual Revenue Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Enterprise Value-Actual Enterprise Value Trailing P/E Forward P/E Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Equity Revenue-Display Quarterly Revenue Growth Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Total Debt/Equity Operating Cash Flow-Display Operating Cash Flow-Actual Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
nan Cr 82393800704.0 8239.38 35705.78 Cr 357057822720.0 35705.78 1.35 lakh cr 1354165649408.0 135416.56 14.3 10.7 4.33 1.47 16.43 27.82% 33.53% 11.04% 8239.38 Cr 10.8% 17.97 6.1% 5162.99 Cr 51629899776.0 5162.99 1.09 lakh cr 1086148706304.0 108614.87 5.034800000000001 nan Cr -156018802688.0 nan Cr 53.71% 35.98%

source:https://finance.yahoo.com/M&MFIN.NS/key-statistics

Reading Information

source:https://finance.yahoo.com/M&MFIN.NS/key-statistics

source:https://www.google.com/finance/quote/M&MFIN:NSE

source:https://finance.yahoo.com/M&MFIN.NS/analysis

source:https://finance.yahoo.com/M&MFIN.NS/fair-value

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 8.02% 3.37% (261) 5.92% (267.45) 11.5% (281.55) 14.4% (288.85) 28.97% (325.65) 28.97% (325.65) 28.97% (325.65)
Downside % (low) 5.57% 0.59% (251) 2.44% (246.35) 8.71% (230.5) 10.53% (225.9) 10.53% (225.9) 36.16% (161.2) 73.62% (66.6)
Spread % 2.45% 2.77% 3.49% 2.79% 3.86% 18.44% -7.19% -44.65%

M&MFIN's price used for computing the stats is 252.5 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose -0.43% -1.94% -2.57% -4.1% 1.9% 2.39% -9.11% 31.17% 81.07%
Last Price 252.5 252.5 252.5 252.5 252.5 252.5 252.5 252.5 252.5
Trend-Previous Close 253.6 257.5 259.15 263.3 247.8 246.6 277.8 192.5 139.45

M&MFIN's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 0.88% 259.76 1.79% 262.1 2.38% 250.56 268.96
Up 1.83% 262.2 2.01% 262.68 1.48% 256.47 267.93
Down -1.0% 254.93 -1.61% 253.35 0.91% 251.4 258.45
5D Opportunity: BUY-APPROACHING
returns: -1.94% (-2.37%), p.close: 257.5
entry: 251.4, exit: 250.56, min.ret: -0.34%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.97% 255.0 -1.08% 254.73 2.94% 243.64 266.36
Up 1.23% 260.68 0.71% 259.32 1.34% 255.51 265.84
Down -2.68% 250.61 -2.1% 252.09 2.1% 242.51 258.71
5D Opportunity:
returns: -1.94% (-5.82%), p.close: 257.5
entry: 242.51, exit: 243.64, min.ret: 0.47%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.33% 256.66 -0.05% 257.38 2.2% 248.16 265.15
Up 1.32% 260.9 1.23% 260.65 1.09% 256.7 265.09
Down -1.7% 253.11 -1.56% 253.49 1.74% 246.39 259.83
5D Opportunity: BUY-APPROACHING
returns: -1.94% (-4.31%), p.close: 257.5
entry: 246.39, exit: 248.16, min.ret: 0.72%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.3% 258.26 -0.04% 257.4 3.64% 244.22 272.3
Up 2.19% 263.14 1.23% 260.66 2.64% 252.94 273.34
Down -2.08% 252.15 -1.64% 253.28 2.04% 244.27 260.03
5D Opportunity:
returns: -1.94% (-5.14%), p.close: 257.5
entry: 244.27, exit: 244.22, min.ret: -0.02%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.13% 257.84 -0.03% 257.42 4.32% 241.15 274.54
Up 2.43% 263.77 1.39% 261.08 2.73% 253.22 274.32
Down -2.45% 251.2 -1.69% 253.14 2.52% 241.47 260.93
5D Opportunity:
returns: -1.94% (-6.23%), p.close: 257.5
entry: 241.47, exit: 241.15, min.ret: -0.13%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.13% 257.16 -0.02% 257.45 4.28% 240.63 273.68
Up 2.28% 263.37 1.44% 261.21 2.42% 254.04 272.71
Down -2.46% 251.16 -1.65% 253.24 2.74% 240.6 261.73
5D Opportunity:
returns: -1.94% (-6.56%), p.close: 257.5
entry: 240.6, exit: 240.63, min.ret: 0.02%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall -2.64% 252.31 -2.28% 253.25 1.46% 246.64 257.98
Up 0.94% 261.57 0.78% 261.17 0.97% 257.8 265.35
Down -4.74% 246.87 -4.82% 246.67 1.23% 242.09 251.65
2W Opportunity:
returns: -2.57% (-6.58%), p.close: 259.15
entry: 242.09, exit: 246.64, min.ret: 1.88%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -1.08% 256.34 -1.17% 256.13 2.1% 248.16 264.52
Up 1.32% 262.57 1.44% 262.88 1.09% 258.34 266.8
Down -3.01% 251.34 -2.87% 251.71 2.01% 243.52 259.17
2W Opportunity:
returns: -2.57% (-6.03%), p.close: 259.15
entry: 243.52, exit: 248.16, min.ret: 1.91%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.37% 260.1 0.39% 260.16 3.78% 245.4 274.8
Up 3.14% 267.29 2.15% 264.73 3.22% 254.76 279.82
Down -3.13% 251.04 -2.87% 251.71 2.65% 240.74 261.33
2W Opportunity:
returns: -2.57% (-7.1%), p.close: 259.15
entry: 240.74, exit: 245.4, min.ret: 1.93%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.16% 259.57 0.27% 259.84 5.12% 239.67 279.46
Up 3.64% 268.58 2.51% 265.66 3.47% 255.1 282.07
Down -3.71% 249.53 -3.11% 251.08 3.29% 236.73 262.34
2W Opportunity:
returns: -2.57% (-8.65%), p.close: 259.15
entry: 236.73, exit: 239.67, min.ret: 1.25%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.28% 258.43 -0.13% 258.8 5.43% 237.33 279.52
Up 3.42% 268.01 2.59% 265.85 3.16% 255.71 280.31
Down -3.76% 249.4 -3.1% 251.13 3.52% 235.7 263.09
2W Opportunity:
returns: -2.57% (-9.05%), p.close: 259.15
entry: 235.7, exit: 237.33, min.ret: 0.69%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -1.57% 259.17 -1.32% 259.82 2.67% 248.62 269.71
Up 1.67% 267.71 1.39% 266.96 1.49% 261.82 273.6
Down -4.03% 252.69 -4.34% 251.87 2.22% 243.9 261.47
1M Opportunity: BUY-APPROACHING
returns: -4.1% (-7.37%), p.close: 263.3
entry: 243.9, exit: 248.62, min.ret: 1.93%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.05% 266.06 1.08% 266.15 4.68% 247.58 284.54
Up 5.19% 276.96 4.5% 275.15 4.2% 260.37 293.54
Down -4.34% 251.88 -4.34% 251.87 3.3% 238.86 264.89
1M Opportunity:
returns: -4.1% (-9.28%), p.close: 263.3
entry: 238.86, exit: 247.58, min.ret: 3.65%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.32% 264.13 1.22% 266.5 5.29% 243.23 285.03
Up 5.61% 278.08 5.35% 277.38 4.13% 261.78 294.37
Down -5.1% 249.86 -5.05% 250.0 3.59% 235.67 264.05
1M Opportunity:
returns: -4.1% (-10.49%), p.close: 263.3
entry: 235.67, exit: 243.23, min.ret: 3.21%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.49% 262.01 0.7% 265.15 6.83% 235.03 288.98
Up 5.28% 277.2 4.93% 276.27 3.87% 261.91 292.5
Down -5.55% 248.68 -4.96% 250.24 4.59% 230.57 266.79
1M Opportunity:
returns: -4.1% (-12.43%), p.close: 263.3
entry: 230.57, exit: 235.03, min.ret: 1.94%
Using: 1M trend, 0 Days Left

M&MFIN's symbol current price is 252.5 (-0.43%) as on . Yesterday's close was 253.6. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 35.81% 40.0% 27.27% 33.33% 46.21% 51.98% 54.5%
Open-Low (> 1.0%) 63.04% 60.0% 68.18% 62.12% 63.64% 61.11% 57.14%
Open-Close-Up (> 0.5%) 37.06% 40.0% 36.36% 33.33% 34.85% 34.13% 36.11%
Open-Close-Down (> 0.5%) 40.13% 40.0% 40.91% 39.39% 40.15% 40.08% 38.36%
Low-Close-Up (> 1.0%) 54.26% 60.0% 50.0% 48.48% 56.06% 53.57% 57.54%
High-Close-Down (> 1.0%) 41.2% 40.0% 36.36% 43.94% 52.27% 57.54% 58.33%

M&MFIN's symbol win percent is computed basis data from date

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