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 15.6
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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.
₹4,972 Cr
Interest Earned · Jun 2026
+19.4% YoY
—
Operating Profit · Jun 2026
₹899 Cr
Net Profit · Jun 2026
+69.7% YoY
₹6.47
EPS · Jun 2026
+59.0% 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 ₹4,972 crore for the quarter ended June 2026 (Q1 FY27), up 12.0% from ₹4,438 crore in the same quarter last year, and up 3.4% sequentially over the March 2026 quarter.

Net profit rose 69.7% year-on-year to ₹899 crore, from ₹530 crore. Earnings per share (EPS) came in at ₹6.47.

Full year and trailing twelve months

For the full year FY26, Mahindra & Mahindra Financial Services Limited posted total income of ₹18,500 crore, a growth of 15.1% over FY25, with a net profit of ₹2,782 crore (up 18.6% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹19,035 crore with a net profit of ₹3,151 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 15.6.

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 ?
15.58below ind
Industry P/E ?
18.30
P/B ?
1.98
P/S ?
2.58
P/FCF ?
-4.26
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
1.30
Earnings Yield ?
6.4%
Dividend Yield ?
2.49%
Profitability & Returns
Total Income (TTM) ?
₹19,035 Cr
OPM ?
16.6%
Profit after tax (TTM) ?
₹3,151 Cr
EPS (TTM) ?
₹22.68
ROCE ?
N/A
ROE ?
12.7%
ROA ?
2.1%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹4,972 Cr
PAT — latest qtr ?
₹899 Cr
YoY qtr sales growth ?
12.0%
YoY qtr profit growth ?
69.7%
Sales growth (3y) ?
19%
Sales growth (5y) ?
12%
Profit growth (3y) ?
12%
Profit growth (5y) ?
54%
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 2,7952,9343,0353,1543,3733,5473,6123,7453,9574,0174,1654,1784,4074,8004,972 +19.4% +3.6%
Other Income 97122918711715914818018722827331135610— — —
Total Income 2,8923,0573,1253,2403,4903,7063,7603,9254,1444,2454,4384,4894,7634,8104,972 +12.0% +3.4%
Interest Expended 1,2421,3341,4501,5661,6751,7351,8291,9342,0462,0902,1522,0662,1032,071— — —
Operating Profit 9989441,0009431,0621,1731,1351,1961,2221,2131,3531,4991,658—— — —
Provisions 15505266273283414487039457660751470—— — —
Profit Before Tax 8439444743167348326864931,2137566937481,0701,1611,186 +71.1% +2.2%
Net Profit 629684353235553619513369899563530569810873899 +69.7% +2.9%
EPS 5.105.552.861.914.485.014.162.997.284.564.074.105.836.286.47 +59.0% +3.0%
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 ₹15,331 Cr ₹17,550 Cr ₹18,357 Cr +14.5%
Other Income ₹743 Cr ₹951 Cr ₹677 Cr +27.9%
Total Income ₹16,075 Cr ₹18,500 Cr ₹19,035 Cr +15.1%
Interest Expended ₹7,898 Cr ₹8,392 Cr ₹6,240 Cr +6.3%
Net Interest Income ₹7,433 Cr ₹9,157 Cr ₹12,117 Cr +23.2%
Operating Profit ₹4,765 Cr ₹4,510 Cr ₹3,157 Cr -5.4%
Provisions ₹1,618 Cr ₹1,881 Cr ₹1,221 Cr +16.3%
Profit Before Tax ₹3,147 Cr ₹3,672 Cr ₹4,165 Cr +16.7%
Tax ₹802 Cr ₹602 Cr ₹726 Cr -25.0%
Net Profit ₹2,345 Cr ₹2,782 Cr ₹3,151 Cr +18.6%
EPS ₹18.99 ₹20.28 ₹22.68 +6.8%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 247247247278 +12.6%
Reserves 16,84217,91119,56524,481 +25.1%
Borrowing 74,94692,225112,873120,335 +6.6%
Other Liabilities 4,1824,7772,8622,812 -1.7%
Total Liabilities 96,217115,159135,548147,905 +9.1%
Fixed Assets 6968261,0491,193 +13.7%
CWIP 0105662 -97.0%
Investments 9,9899,65110,4006,820 -34.4%
Other Assets 85,532104,578124,033139,890 +12.8%
Total Assets 96,217115,159135,548147,905 +9.1%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -17,485-18,404-15,281-11,206 +26.7%
Cash from Investing Activity -1,3211,962-1,0111,109 +209.7%
Cash from Financing Activity 18,72816,50317,6488,821 -50.0%
Net Cash Flow -78611,355-1,275 -194.1%
Free Cash Flow -17,834-18,642-15,642-11,535 +26.3%
CFO/OP -226%-196%-128%-84% +34.4%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 12%10%12%13% +8.3%

👥 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 ₹4,972 crore for the quarter ended June 2026 (Q1 FY27), up 12.0% from ₹4,438 crore in the same quarter last year, and up 3.4% sequentially over the March 2026 quarter.
What was Mahindra & Mahindra Financial Services Limited's net profit in Q1 FY27?
Net profit rose 69.7% year-on-year to ₹899 crore, from ₹530 crore. Earnings per share (EPS) came in at ₹6.47.
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 15.6.
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.