Mahindra & Mahindra Financial Services Ltd.
M&MFIN · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹411.32.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%11.9%
- ✕Low debt (D/E < 0.5)4.28x
- ✕Positive free cash flow
- ✓Revenue growth > 10%40%
- ✓Earnings growing83%
- ✓Net margin ≥ 10%29.5%
- ✓Current ratio > 1.59.57
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✕Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 72/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (29.5%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
- •Weak Piotroski score (2/9).
Opportunities
- •Earnings growing (83% YoY).
- •Revenue growing (40% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~73% below our estimated fair value.
About Mahindra & Mahindra Financial Services Ltd.
Mahindra & Mahindra Financial Services Limited, a non-banking financial company, engages in financing business in India. The company operates through Financing Activities and Other Reconciling Items segments. It offers vehicle financing for auto, utility vehicles, passenger cars, tractors, commercial vehicles, and construction equipment; pre-owned vehicle financing; and vehicle leasing solutions through its digital platform Quiklyz to fleet operators, farmers, businesses, sel
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.