What the business is, and whether it's a good one at a fair price.
Lends to retail and small-business borrowers, mainly against vehicles (passenger vehicles, tractors, parts of commercial vehicles, three-wheelers) under its "wheels" franchise, and also under a "non-wheels" franchise covering small-business loans, personal loans and mortgage/housing finance. Total assets stood at ₹158,643.94 cr in FY26, with assets under management of ₹1,37,449 cr as of Q1 FY27 and ₹15,564 cr disbursed in that quarter (up 22% YoY). Financing activities generated 92.8% of segment revenue (₹19,774.61 cr) and ₹3,641.94 cr of EBIT in FY26; the "Others" segment (7.2%, ₹1,524.08 cr) houses subsidiaries in housing finance (MRHFL), insurance broking (MIBL) and asset management. 100% of Q1 FY27 wheels disbursements (about ₹15,000 cr) ran on the Udaan digital stack built on Salesforce and FinnOne, with AI-based collections (Samur.AI) covering 45% of CPC cases. The NBFC carries AAA/Stable ratings from CARE, India Ratings and CRISIL, and is holding an extra ₹5,500 cr liquidity buffer as a hedge against West Asia and El Nino macro risks. Standalone Q1 FY27 PAT was ₹898.65 cr on interest income of ₹4,621 cr, with collection efficiency at 95%.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from M&M FIN. SERVICES LTD's filed financials and exchange disclosures
M&M FIN. SERVICES LTD is a Finance company listed on NSE and BSE, trading under the symbol M&MFIN.
Yes. Over the trailing twelve months M&M FIN. SERVICES LTD reported a net profit of ₹3,260 Cr on revenue of ₹21,733 Cr.
Yes. The dividend yield is 1.82% at the current price. It paid out 32% of its profit as dividend in FY26.
Effectively yes. It holds ₹465 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, M&M FIN. SERVICES LTD ranks 95 of 212 in Non Banking Financial Company (NBFC) — cheaper than 56% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session M&M FIN. SERVICES LTD moves 1.37% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by M&M FIN. SERVICES LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
