M&M Financial Services Intrinsic Value
M&MFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹194.88 | ₹155.90 - ₹233.86 | -46.4% | EPS: ₹16.24, Sector P/E: 12x |
| Book Value Method | asset | ₹698.72 | ₹628.85 - ₹768.59 | +92.2% | Book Value/Share: ₹873.40, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹727.00 | ₹654.30 - ₹799.70 | +100.0% | Revenue/Share: ₹820.24, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹727.00 | ₹654.30 - ₹799.70 | +100.0% | EBITDA: ₹12200.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹145.40 | ₹116.32 - ₹174.48 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹109.05 | ₹98.14 - ₹119.96 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹133.82 | ₹120.44 - ₹147.20 | -63.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹727.00 | ₹654.30 - ₹799.70 | +100.0% | ROE: 10.5%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹564.93 | ₹508.44 - ₹621.42 | +55.4% | EPS: ₹16.24, BVPS: ₹873.40 |
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Valuation Comparison Chart
M&MFIN Intrinsic Value Analysis
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 ₹564.93 (median value). With the current market price of ₹363.50, this represents a +55.4% variance from our estimated fair value.
The valuation range spans from ₹109.05 to ₹727.00, indicating ₹109.05 - ₹727.00.
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 55.4%.
Financial Health Analysis
| 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 | 10.5% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 60.0% | 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 |
Related Pages for M&M Financial Services
Additional stock information and data for M&MFIN
Cash Flow Quality Analysis
| 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 |