M&M Financial Services Intrinsic Value
M&M Financial Services (M&MFIN) median intrinsic value is ₹610.40 from 9 valuation models (range ₹122–₹763), vs current price ₹305.20 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Browse M&M Financial Services annual reports for revenue, profit, balance sheet and cash flow data.
M&MFIN Valuation Methods Summary — DCF, Graham Number & P/E
M&M Financial Services intrinsic value across 9 models vs current price ₹305.20 — upside/downside and value range per method. For current market price and key ratios, visit M&M Financial Services screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹324.00 | ₹259.20 - ₹388.80 | +6.2% | EPS: ₹27.00, Sector P/E: 12x |
| Book Value Method | asset | ₹763.00 | ₹686.70 - ₹839.30 | +150.0% | Book Value/Share: ₹958.24, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹610.40 | ₹549.36 - ₹671.44 | +100.0% | Revenue/Share: ₹802.30, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹610.40 | ₹549.36 - ₹671.44 | +100.0% | EBITDA: ₹14356.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹122.08 | ₹97.66 - ₹146.50 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹172.80 | ₹155.52 - ₹190.08 | -43.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹222.48 | ₹200.23 - ₹244.73 | -27.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹610.40 | ₹549.36 - ₹671.44 | +100.0% | ROE: 14.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹762.97 | ₹686.67 - ₹839.27 | +150.0% | EPS: ₹27.00, BVPS: ₹958.24 |
M&MFIN Intrinsic Value vs Market Price — All Valuation Models
M&M Financial Services fair value range ₹122–₹763 vs current market price ₹305.20 across 9 valuation models. Also explore M&MFIN stock price history to track price trends across different timeframes.
M&MFIN Intrinsic Value Analysis — Undervalued or Overvalued?
M&M Financial Services median intrinsic value ₹610.40, current price ₹305.20 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of M&MFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of M&M Financial Services (M&MFIN) is ₹610.40 (median value). With the current market price of ₹305.20, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹122.08 to ₹763.00, indicating ₹122.08 - ₹763.00.
Is M&MFIN undervalued or overvalued?
Based on our multi-method analysis, M&M Financial Services (M&MFIN) appears to be trading below calculated value by approximately 100.0%.
M&MFIN Financial Health — Key Ratios vs Industry Benchmarks
M&M Financial Services financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 14.1% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 64.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
M&MFIN Cash Flow Quality — Operating & Free Cash Flow
M&M Financial Services operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-15,602 Cr | ₹-16,141 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-18,449 Cr | ₹-18,449 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-17,395 Cr | ₹-18,213 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹18 Cr | ₹18 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹5,826 Cr | ₹1,652 Cr | Positive Free Cash Flow | 7/10 |