Flash Finance

Mahindra & Mahindra Financial Services LimitedM&MFINBank / NBFC

Financial Services Credit Services Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹353.30
MCap ₹49,095 Cr · P/E 15.1
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AI-generated data: figures and text on this page are derived by AI agents from public quarterly filings and may contain errors or omissions — this website is managed by AI without human monitoring. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹5,718 Cr
Interest Earned · Jun 2026
+28.0% YoY
—
Operating Profit · Jun 2026
₹927 Cr
Net Profit · Jun 2026
+75.3% YoY
₹6.66
EPS · Jun 2026
+64.0% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 Mahindra & Mahindra Financial Services Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Mahindra & Mahindra Financial Services Limited reported total income of ₹5,718 crore for the quarter ended June 2026 (Q1 FY27), up 14.1% from ₹5,013 crore in the same quarter last year, and up 2.5% sequentially over the March 2026 quarter.

Net profit rose 75.3% year-on-year to ₹927 crore, from ₹529 crore. Earnings per share (EPS) came in at ₹6.66.

Full year and trailing twelve months

For the full year FY26, Mahindra & Mahindra Financial Services Limited posted total income of ₹21,103 crore, a growth of 13.9% over FY25, with a net profit of ₹2,861 crore (up 26.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹21,808 crore with a net profit of ₹3,259 crore.

Valuation snapshot

At the current price of ₹353.30, M&MFIN has a market capitalisation of ₹49,095 crore and a trailing P/E of about 15.1.

Within the Credit Services industry, it is the 13th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 52.49%, foreign institutional investors (FIIs) 9.40%, domestic institutional investors (DIIs) 32.09%, public shareholders 5.98% of Mahindra & Mahindra Financial Services Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹49,095 Cr
Current Price ?
₹353.3
P/E ?
15.06below ind
Industry P/E ?
18.30
P/B ?
1.84
P/S ?
2.25
P/FCF ?
-3.74
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
1.26
Earnings Yield ?
6.6%
Dividend Yield ?
2.49%
Profitability & Returns
Total Income (TTM) ?
₹21,808 Cr
OPM ?
14.7%
Profit after tax (TTM) ?
₹3,259 Cr
EPS (TTM) ?
₹23.45
ROCE ?
N/A
ROE ?
12.2%
ROA ?
2.1%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹5,718 Cr
PAT — latest qtr ?
₹927 Cr
YoY qtr sales growth ?
14.1%
YoY qtr profit growth ?
75.3%
Sales growth (3y) ?
18%
Sales growth (5y) ?
11%
Profit growth (3y) ?
12%
Profit growth (5y) ?
35%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
52.49%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
20.1%
Return 6 months ?
14.6%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 3,1343,2823,3693,4853,6933,8663,9234,0544,2654,3244,4684,4774,7105,5395,718 +28.0% +3.2%
Other Income 21926726837844446743242553457354557375537— — —
Total Income 3,3533,5493,6373,8634,1374,3334,3554,4794,7994,8975,0135,0495,4645,5765,718 +14.1% +2.5%
Interest Expended 1,3731,4771,5971,7031,7981,8611,9602,0622,1752,2182,2802,1982,2362,220— — —
Operating Profit 1,0581,0181,0621,0161,1601,2501,1971,2471,3131,2901,3791,5111,696—— — —
Provisions 1828459364634737055573896697695768476—— — —
Profit Before Tax 8849344833838268966615231,2336097047591,1051,2591,242 +76.6% -1.3%
Net Profit 664675362287623671497390918456529566826940927 +75.3% -1.3%
EPS 5.365.522.912.285.055.434.033.157.433.704.064.065.936.756.66 +64.0% -1.3%
Gross NPA % 5.93% 4.49% 4.35% 4.29% 3.97% 3.40% 3.56% 3.83% 3.93% 3.69% 3.85% 3.94% 3.80% 3.41% — — —
Net NPA % 2.52% 1.87% 1.78% 1.71% 1.52% 1.28% 1.46% 1.59% 2.00% 1.84% 1.91% 1.89% 1.82% 1.44% — — —
Capital Adequacy Ratio 23.43% — 21.16% — 18.35% — 18.50% — 17.81% — 20.62% — 19.82% — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹16,566 Cr ₹19,194 Cr ₹20,443 Cr +15.9%
Other Income ₹1,964 Cr ₹1,909 Cr ₹1,364 Cr -2.8%
Total Income ₹18,530 Cr ₹21,103 Cr ₹21,808 Cr +13.9%
Interest Expended ₹8,415 Cr ₹8,934 Cr ₹6,654 Cr +6.2%
Net Interest Income ₹8,151 Cr ₹10,260 Cr ₹13,790 Cr +25.9%
Operating Profit ₹5,047 Cr ₹4,586 Cr ₹3,207 Cr -9.1%
Provisions ₹2,085 Cr ₹1,940 Cr ₹1,244 Cr -7.0%
Profit Before Tax ₹3,027 Cr ₹3,826 Cr ₹4,365 Cr +26.4%
Tax ₹766 Cr ₹646 Cr ₹786 Cr -15.6%
Net Profit ₹2,261 Cr ₹2,861 Cr ₹3,259 Cr +26.5%
EPS ₹18.31 ₹20.80 ₹23.40 +13.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 247247247278 +12.6%
Reserves 18,31319,68621,28226,361 +23.9%
Borrowing 81,429100,215119,093128,370 +7.8%
Other Liabilities 5,0963,5673,4833,635 +4.4%
Total Liabilities 105,085123,716144,105158,644 +10.1%
Fixed Assets 8711,0081,2071,334 +10.5%
CWIP 3106662 -97.0%
Investments 10,0639,59810,5907,407 -30.1%
Other Assets 94,148113,004132,242149,902 +13.4%
Total Assets 105,085123,716144,105158,644 +10.1%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -17,395-18,449-15,602-12,772 +18.1%
Cash from Investing Activity -1,6352,671-1,077770 +171.5%
Cash from Financing Activity 18,85216,09517,60510,637 -39.6%
Net Cash Flow -179317927-1,365 -247.2%
Free Cash Flow -17,794-18,719-15,975-13,120 +17.9%
CFO/OP -207%-181%-126%-91% +27.8%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 12%10%11%12% +9.1%

👥 Shareholding (latest 4 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026 % Chg
Promoters 52.49%52.49%52.49%52.49% +0.0%
FIIs 9.33%9.59%9.11%9.40% +3.2%
DIIs 32.33%32.29%32.34%32.09% -0.8%
Public 5.79%5.58%6.02%5.98% -0.7%
Others 0.05%0.04%0.04%0.03% -25.0%
No. of Shareholders 2,27,1412,22,5262,43,0192,36,252 -2.8%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 32.6 68,909 19,752 38.3% 28.7% 18.4% 6.9% -8.8% 47.1%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.7 28,811 7,190 19.3% 25.0% 0.7% 7.8% 21.3% 10.4%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 16.7 18,903 4,634 14.4% 24.5% 12.4% 67.1% 23.1% 30.7%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 21.7 18,430 2,544 33.6% 13.8% — — — —
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 46.8 7,818 787 16.2% 10.1% 60.9% 652.7% 77.8% 391.5%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 15.2 13,400 1,816 22.3% 13.6% 30.8% 214.4% 42.6% 148.2%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹319.50 5,664 15.4 2,248 308 30.7% 13.7% — — — —
❓ Frequently asked questions
What was Mahindra & Mahindra Financial Services Limited's total income in Q1 FY27?
Mahindra & Mahindra Financial Services Limited reported total income of ₹5,718 crore for the quarter ended June 2026 (Q1 FY27), up 14.1% from ₹5,013 crore in the same quarter last year, and up 2.5% sequentially over the March 2026 quarter.
What was Mahindra & Mahindra Financial Services Limited's net profit in Q1 FY27?
Net profit rose 75.3% year-on-year to ₹927 crore, from ₹529 crore. Earnings per share (EPS) came in at ₹6.66.
What is M&MFIN's market capitalisation and P/E ratio?
At the current price of ₹353.30, M&MFIN has a market capitalisation of ₹49,095 crore and a trailing P/E of about 15.1.
Who owns Mahindra & Mahindra Financial Services Limited? (shareholding pattern)
As of Mar 2026, promoters held 52.49%, foreign institutional investors (FIIs) 9.40%, domestic institutional investors (DIIs) 32.09%, public shareholders 5.98% of Mahindra & Mahindra Financial Services Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ AI Disclaimer: This website is entirely managed by AI Agents and may contain errors or inaccuracies. Always verify information from multiple sources before making any financial or investment decisions.