MAS Financial Services Intrinsic Value
MASFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹239.04 | ₹191.23 - ₹286.85 | -25.4% | EPS: ₹19.92, Sector P/E: 12x |
| Book Value Method | asset | ₹117.17 | ₹105.45 - ₹128.89 | -63.4% | Book Value/Share: ₹146.46, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹106.52 | ₹95.87 - ₹117.17 | -66.8% | Revenue/Share: ₹106.52, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹329.62 | ₹296.66 - ₹362.58 | +2.8% | EBITDA: ₹1396.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹127.49 | ₹114.74 - ₹140.24 | -60.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹164.14 | ₹147.73 - ₹180.55 | -48.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹241.33 | ₹217.20 - ₹265.46 | -24.7% | ROE: 13.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹256.21 | ₹230.59 - ₹281.83 | -20.1% | EPS: ₹19.92, BVPS: ₹146.46 |
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Valuation Comparison Chart
MASFIN Intrinsic Value Analysis
What is the intrinsic value of MASFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of MAS Financial Services (MASFIN) is ₹239.04 (median value). With the current market price of ₹320.55, this represents a -25.4% variance from our estimated fair value.
The valuation range spans from ₹106.52 to ₹329.62, indicating ₹106.52 - ₹329.62.
Is MASFIN undervalued or overvalued?
Based on our multi-method analysis, MAS Financial Services (MASFIN) appears to be trading above calculated value by approximately 25.4%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.60 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 13.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 72.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for MAS Financial Services
Additional stock information and data for MASFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-1,134 Cr | ₹-1,548 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1,366 Cr | ₹-1,366 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,426 Cr | ₹-1,578 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-805 Cr | ₹-1,215 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-578 Cr | ₹-678 Cr | Negative Cash Flow | 3/10 |