Mahindra & Mahindra Financial Services Ltd.
NSE: M&MFINMahindra & Mahindra Financial Services Ltd.: A 30-second snapshot
M&MFIN trades at 392.55, up 61.17% over the trailing 12 months and 31.36% over 3 months, currently 2.62% below its 52-week high with an RSI of 73.97 (overbought). Trailing PE is 16.44x (forward 12.66x) against a debt-to-equity of roughly 4.30x, a level structurally typical for a lending-model NBFC. Mean analyst rating is 1.91 across 33 analysts (1-5 scale, lower = more constructive), and the stock carries a quality score of 57/100, ranking 3rd of 6 in its assembled peer set.
P/E
16.4
Forward P/E
12.7
ROE
—
Debt / Equity
429.85
Profit Margin
+30.9%
Div. Yield
+1.9%
5Y ROE > 15%
0/5
5Y FCF > 0
0/5
Quality
56/100
News
6 headlines · 3 positive · 0 negative
Jefferies Adjusts Mahindra & Mahindra Financial Services' Price Target to INR365 From INR325, Keeps at Hold - marketscreener.com
marketscreener.com
M&MFIN: Strong revenue and profit growth in Q1 FY2027, with robust margins and asset quality - TradingView
TradingView
Mahindra Finance ESG Rating Upgraded by Crisil to 'Strong' - TipRanks
TipRanks
Bajaj Finance rises Thursday, underperforms market - marketwatch.com
marketwatch.com
Bajaj Finance climbs Wednesday, underperforms market - marketwatch.com
marketwatch.com
Recent context
- ·Jefferies raised its price target on M&MFIN to 365 from 325 on 22 Jul 2026 while keeping its rating at "Hold" (marketscreener.com).
- ·TradingView reported "strong revenue and profit growth" for Q1 FY2027 "with robust margins and asset quality" (21 Jul 2026); Crisil separately upgraded the company's ESG rating to "Strong" (TipRanks, 15 Jul 2026).
- ·2 of the 6 headlines surfaced for this stock (29-30 Jul 2026, marketwatch.com) referenced Bajaj Finance rather than M&MFIN and were treated as keyword collisions, not company news.
Strengths
- +5-year earnings CAGR of 64% and revenue CAGR of 36.7%, with a profit margin of 30.89%.
- +Stock is up 61.17% over 12 months and 31.36% over 3 months, trading above both the 50-DMA (313.82) and 200-DMA (326.96), and only 2.62% below its 52-week high.
- +Mean analyst rating of 1.91 across 33 analysts (1-5 scale, lower = more constructive).
- +Company-specific news flow (Jefferies price-target raise to 365 from 325, Crisil ESG upgrade to "Strong", Q1 FY2027 revenue/profit growth reported by TradingView) was 3 positive of 3 identifiable company headlines, after excluding 2 unrelated Bajaj Finance items.
Weaknesses
- −ROE exceeded 15% in 0 of the tracked years and FCF was positive in 0 of the tracked years, giving a persistence consistency score of 17/100; the 5-year earnings and revenue growth has coincided with a debt trend classified as rising rather than internally funded surplus.
- −RSI of 73.97 places the stock in overbought territory after a 61% one-year and 31% three-month rally, with no resistance level identified in the current data and price only 2.62% off its 52-week high.
- −ROE is currently reported as null in the fundamental dataset, limiting direct return-on-equity comparison against peers this cycle.
- −Debt-to-equity of roughly 4.30x (429.85 on a percentage-scaled basis) is high in absolute terms; this is structurally typical for an NBFC lending model rather than a standalone solvency signal, but it does mean margins are more exposed to shifts in funding costs.
Open questions
- ?Does the 5-year earnings and revenue growth reflect durable loan-book expansion, or is it primarily a function of the rising debt trend flagged in the persistence data?
- ?What explains the ROE figure currently showing as unavailable, and how would the underlying return on equity compare with the peer set once that data is populated?
- ?How does an RSI of 73.97 after a 61% one-year rally compare with this stock's own historical RSI range, and what has typically followed similar readings in the past?
- ?Given the peer set mixes universal banks, NBFC/insurance-linked entities and a life insurer under one sector label, which of those peers is actually the more relevant comparison for M&MFIN's PE, ROE and quality-score standing?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| M&MFIN | Mahindra & Mahindra Financial Services Ltd.You're viewing | 16.4 | — | 57 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹392.55
SMA 50
₹313.82
SMA 200
₹326.96
RSI (14)
74.0 (overbought)
From 52w high
-2.6%
1Y return
+61.2%
3M return
+31.4%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- highROE exceeded 15% in 0 of the tracked years and free cash flow was positive in 0 of the tracked years, producing a persistence consistency score of 17 out of 100; over the same period the 5-year earnings CAGR of 64% and revenue CAGR of 36.7% have coincided with a debt trend classified as "rising", indicating growth has leaned on incremental borrowing rather than internally generated surplus.
- mediumRSI of 73.97 (overbought) follows a 61.17% one-year and 31.36% three-month price advance; the stock sits just 2.62% below its 52-week high with no resistance level identified in the available data, while the nearest identified support (317.60) is roughly 19% below the current price of 392.55.
- low2 of the 6 headlines returned for this stock (both from marketwatch.com, 29-30 Jul 2026) concern Bajaj Finance, not Mahindra & Mahindra Financial Services, and appear to be keyword collisions; they were excluded from the sentiment read, leaving 3 positive / 0 neutral / 0 negative company-specific headlines.
- lowThe peer set assembled under the "Banking" sector tag mixes two universal banks (AXISBANK, HDFCBANK), two NBFC/insurance-linked entities (BAJFINANCE, BAJAJFINSV) and a life insurer (HDFCLIFE) alongside M&MFIN's own NBFC lending model; PE, ROE and quality-score rankings across this set (M&MFIN ranks 3rd of 6 on both PE and quality score) should be read with that business-model heterogeneity in mind. Separately, M&MFIN's own ROE is currently reported as null in the fundamental dataset, limiting direct ROE comparability this cycle.
Cross-section contradictions
- Persistence data shows ROE never exceeded 15% and FCF was never positive across the tracked years (consistency score 17/100), yet the stock is up 61.17% over the trailing 12 months and sits only 2.62% below its 52-week high — the price advance is not visibly explained by an improvement in the historical return/cash-flow persistence metrics.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days