M&M Financial Services Intrinsic Value
M&M Financial Services (M&MFIN) median intrinsic value is ₹713.00 from 9 valuation models (range ₹173–₹768), vs current price ₹356.50 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Analyse M&MFIN promoter holding to track promoter, FII and institutional holdings.
M&MFIN Valuation Methods Summary — DCF, Graham Number & P/E
M&M Financial Services intrinsic value across 9 models vs current price ₹356.50 — 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 | -9.1% | EPS: ₹27.00, Sector P/E: 12x |
| Book Value Method | asset | ₹768.12 | ₹691.31 - ₹844.93 | +115.5% | Book Value/Share: ₹960.14, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹713.00 | ₹641.70 - ₹784.30 | +100.0% | Revenue/Share: ₹802.30, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹713.00 | ₹641.70 - ₹784.30 | +100.0% | EBITDA: ₹14356.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹172.80 | ₹155.52 - ₹190.08 | -51.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹222.48 | ₹200.23 - ₹244.73 | -37.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹713.00 | ₹641.70 - ₹784.30 | +100.0% | ROE: 14.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹763.73 | ₹687.36 - ₹840.10 | +114.2% | EPS: ₹27.00, BVPS: ₹960.14 |
| Dividend Yield Method | dividend | ₹187.50 | ₹168.75 - ₹206.25 | -47.4% | DPS: ₹7.50, Target Yield: 4.0% |
M&MFIN Intrinsic Value vs Market Price — All Valuation Models
M&M Financial Services fair value range ₹173–₹768 vs current market price ₹356.50 across 9 valuation models. Read M&M Financial Services dividend payments for the complete payout history and dividend yield track record.
M&MFIN Intrinsic Value Analysis — Undervalued or Overvalued?
M&M Financial Services median intrinsic value ₹713.00, current price ₹356.50 — 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 ₹713.00 (median value). With the current market price of ₹356.50, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹172.80 to ₹768.12, indicating ₹172.80 - ₹768.12.
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 | 0.08 | 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 2026 | ₹-12,772 Cr | ₹-12,772 Cr | Negative Cash Flow | 3/10 |
| 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 |