Mahindra & Mahindra Financial Services Limited
Financial trend (100/100) does the heavy lifting; momentum (65/100) is the drag.
Buy zoneStocksWizard rates Mahindra & Mahindra Financial Services Limited a Buy, scoring 73/100 on our blended model. At ₹356.15 it trades essentially at our blended DCF and relative-multiples fair value of ₹354.64 — we read it as fairly valued. On 14.9x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 14% below its 52-week high of ₹412.3 and 35% above the low of ₹264.16. Financial health scores 79/100, with a Piotroski F-score of 2/9. The average analyst target of ₹348.39 implies about 2% downside across 33 analysts. It clears 5 of 12 investability checks, with durability 67, valuation 81 and momentum 65 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹283.72.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-13.62% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy73Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 11.9%
- Fail: Low debt (D/E < 0.5): 4.28x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 40%
- Pass: Earnings growing: 83%
- Pass: Net margin ≥ 10%: 29.5%
- Pass: Current ratio > 1.5: 9.57
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter53.7%
- Institutions37.2%
- Public & other9.2%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (29.5%).
Opportunities
- Earnings growing (83% YoY).
- Revenue growing (40% YoY).
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (2/9).
About Mahindra & Mahindra Financial Services Limited
Mahindra & Mahindra Financial Services Limited is a non-banking financial company that provides vehicle financing and leasing in India. It offers financing for automobiles, utility vehicles, passenger cars, tractors, commercial vehicles, and construction equipment, along with pre-owned vehicle financing and leasing solutions through its digital platform Quiklyz serving fleet operators, farmers, and businesses.
Mahindra & Mahindra Financial Services Limited — frequently asked questions
Is Mahindra & Mahindra Financial Services Limited a buy, hold or sell?
StocksWizard currently rates Mahindra & Mahindra Financial Services Limited (M&MFIN) a Buy, based on a blended score of 73/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Mahindra & Mahindra Financial Services Limited's fair value?
Our blended DCF and relative-valuation model estimates Mahindra & Mahindra Financial Services Limited's fair value at about ₹354.64, essentially in line with the current price of ₹356.15. On that basis the stock looks fairly valued.
Is Mahindra & Mahindra Financial Services Limited financially healthy?
Mahindra & Mahindra Financial Services Limited scores 79/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Mahindra & Mahindra Financial Services Limited's share price performed?
Mahindra & Mahindra Financial Services Limited is up 22% over three months, and last traded at ₹356.15. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.