as of —
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Change
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Day Open
₹—
Day High
₹—
Day Low
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NSE Close — 25 Sep 2026
₹333.1
Change
-6.8 (-2.0%)
Open
₹341.45
Prev. Close
₹339.9
Day High
₹341.45
Day Low
₹330.2
Volume Analysis
Traded
1,662,139
Delivered
862,995
Delivery %
51.92%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (1)
- •High debt-to-equity ratio (4.82)
Opportunities (0)
No signal for this stock
Threats (1)
- •FII holding has been falling
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹350.89 | ₹346.17 | ₹339.64 | ₹334.92 | ₹328.39 | ₹323.67 | ₹317.14 |
| Fibonacci | ₹346.17 | ₹341.87 | ₹339.22 | ₹334.92 | ₹330.62 | ₹327.97 | ₹323.67 |
| Camarilla | ₹336.19 | ₹335.16 | ₹334.13 | ₹334.92 | ₹332.07 | ₹331.04 | ₹330.01 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-17.58%
1 Week
-6.09%
1 Month
-11.55%
3 Months
+5.48%
6 Months
+14.98%
1 Year
+19.07%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹297.88
Current price is above the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹46,294 Cr
P/E (TTM)
13.8
ROE
12.3%
Book Value
₹192.0
Face Value
₹2.0
Source: Screener.in (Consolidated figures) — data as of 25 Sep 2026. Not investment advice.
TopFund Analysis
M&m Fin. Services Ltd lands in the middle of the pack on TopFund's composite fundamentals check within the Financial Services sector, at 61/100. The strongest factor is Corporate Governance (90/100), while Risk & Volatility (35/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (4.82). FII holding has been falling.
TopFund Score — Fundamentals Quality
61/100 — AverageData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has been maintaining a healthy dividend payout of 37.4%
- −Company has low interest coverage ratio.
- −Company has a low return on equity of 11.1% over last 3 years.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
17,933 equity shares transferred to Raul Rebello under RSU Plan 2023.
Board-approved private placement of secured NCDs up to Rs. 2,000 crore at 7.95% for 1095 days.
Independent agency assigned FY2026 ESG rating 80, Leader Category, for NBFC sector.
48,549 equity shares transferred on 21 September 2026 under ESOP 2010 and RSU Plan 2023.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,583 | 3,833 | 4,100 | 4,280 | 4,316 | 4,465 | 4,797 | 4,886 | 4,991 | 5,026 | 5,450 | 5,539 | 5,718 |
| Expenses + | 1,504 | 1,724 | 1,456 | 1,520 | 1,676 | 1,830 | 1,325 | 2,001 | 1,964 | 2,015 | 1,913 | 1,987 | 2,034 |
| Financing Profit | 482 | 406 | 846 | 900 | 679 | 573 | 1,297 | 667 | 746 | 814 | 1,301 | 1,332 | 1,312 |
| Financing Margin % | 13.0% | 11.0% | 21.0% | 21.0% | 16.0% | 13.0% | 27.0% | 14.0% | 15.0% | 16.0% | 24.0% | 24.0% | 23.0% |
| Other Income + | 67 | 44 | 50 | 68 | 58 | 28 | 19 | 27 | 43 | 39 | -100 | 37 | 29 |
| Interest | 1,597 | 1,703 | 1,798 | 1,861 | 1,960 | 2,062 | 2,175 | 2,218 | 2,280 | 2,198 | 2,236 | 2,220 | 2,372 |
| Depreciation | 66 | 67 | 69 | 72 | 76 | 79 | 82 | 85 | 86 | 94 | 96 | 110 | 99 |
| Profit before tax | 483 | 383 | 826 | 896 | 661 | 523 | 1,233 | 609 | 704 | 759 | 1,105 | 1,259 | 1,242 |
| Tax % | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 26.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% |
| Net Profit + | 362 | 287 | 623 | 671 | 497 | 390 | 918 | 456 | 529 | 566 | 826 | 940 | 927 |
| EPS in Rs | 3 | 2 | 4 | 5 | 4 | 3 | 7 | 3 | 4 | 4 | 6 | 7 | 7 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 6,051 | 6,586 | 7,189 | 7,910 | 10,429 | 11,995 | 12,382 | 11,419 | 12,828 | 15,963 | 18,519 | 21,041 | 21,733 |
| Expenses + | 1,972 | 2,459 | 3,123 | 2,547 | 3,129 | 4,903 | 6,046 | 5,347 | 4,696 | 6,204 | 6,832 | 7,878 | 7,947 |
| Financing Profit | 1,435 | 1,258 | 880 | 1,927 | 2,868 | 1,702 | 1,028 | 1,654 | 3,038 | 2,799 | 3,271 | 4,229 | 4,760 |
| Financing Margin % | 24.0% | 19.0% | 12.0% | 24.0% | 28.0% | 14.0% | 8.0% | 14.0% | 24.0% | 18.0% | 18.0% | 20.0% | 22.0% |
| Other Income + | 10 | 12 | 12 | 33 | 49 | 47 | 57 | 47 | -8 | 64 | 77 | -17 | 4 |
| Interest | 2,643 | 2,868 | 3,186 | 3,436 | 4,432 | 5,391 | 5,308 | 4,417 | 5,094 | 6,959 | 8,415 | 8,934 | 9,026 |
| Depreciation | 46 | 46 | 54 | 55 | 76 | 147 | 151 | 152 | 226 | 275 | 321 | 386 | 399 |
| Profit before tax | 1,400 | 1,224 | 838 | 1,905 | 2,841 | 1,602 | 934 | 1,549 | 2,804 | 2,588 | 3,027 | 3,826 | 4,365 |
| Tax % | 34.0% | 36.0% | 37.0% | 36.0% | 34.0% | 32.0% | 16.0% | 26.0% | 26.0% | 25.0% | 25.0% | 25.0% | — |
| Net Profit + | 925 | 787 | 530 | 1,216 | 1,867 | 1,086 | 780 | 1,150 | 2,071 | 1,943 | 2,261 | 2,861 | 3,260 |
| EPS in Rs | 7 | 6 | 4 | 9 | 13 | 8 | 6 | 8 | 15 | 14 | 16 | 21 | 23 |
| Dividend Payout % | 25.0% | 29.0% | 27.0% | 21.0% | 22.0% | 0.0% | 13.0% | 39.0% | 36.0% | 40.0% | 35.0% | 37.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Reserves | 5,830 | 6,356 | 6,847 | 9,732 | 11,146 | 11,846 | 15,530 | 16,650 | 18,313 | 19,686 | 21,282 | 26,361 |
| Other Liabilities + | 3,459 | 4,494 | 5,619 | 3,889 | 4,505 | 4,189 | 4,724 | 4,787 | 5,096 | 5,463 | 3,483 | 3,635 |
| Total Liabilities | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 105,085 | 123,716 | 144,105 | 158,644 |
| Fixed Assets + | 119 | 129 | 133 | 147 | 201 | 455 | 399 | 515 | 871 | 1,008 | 1,207 | 1,328 |
| CWIP | 0 | 0 | 1 | 0 | 1 | 1 | 12 | 2 | 3 | 105 | 66 | 7 |
| Investments | 654 | 1,199 | 1,374 | 2,378 | 3,327 | 5,340 | 12,126 | 8,654 | 10,063 | 9,598 | 10,590 | 7,407 |
| Other Assets + | 37,860 | 43,679 | 51,714 | 56,205 | 71,046 | 75,996 | 73,064 | 74,637 | 94,148 | 113,004 | 132,242 | 149,902 |
| Total Assets | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 105,085 | 123,716 | 144,105 | 158,644 |
| Borrowing | 29,232 | 34,044 | 40,644 | 44,986 | 58,802 | 65,634 | 65,101 | 62,126 | 81,429 | 98,319 | 119,093 | 128,370 |
| Equity Capital | 113 | 113 | 113 | 123 | 123 | 123 | 246 | 247 | 247 | 247 | 247 | 278 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -3,970 | -4,957 | -6,467 | -8,510 | -12,078 | -3,115 | 5,826 | 18 | -17,395 | -18,449 | -15,602 | -12,772 |
| Cash from Investing Activity + | 34 | -440 | -97 | 243 | -1,213 | -2,689 | -8,348 | 3,112 | -1,635 | 2,671 | -1,077 | 770 |
| Cash from Financing Activity + | 3,907 | 5,431 | 6,766 | 8,174 | 13,490 | 6,050 | 2,548 | -3,173 | 18,852 | 16,095 | 17,605 | 10,637 |
| Net Cash Flow | -29 | 34 | 202 | -93 | 199 | 245 | 26 | -43 | -179 | 317 | 927 | -1,365 |
| CFO/OP | -83 | -104 | -146 | -146 | -154 | -36 | 102 | 10 | -207 | -181 | -126 | -91 |
| Free Cash Flow | -4,009 | -5,010 | -6,529 | -8,579 | -12,211 | -3,231 | 5,785 | -276 | -17,794 | -18,719 | -15,975 | -13,120 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Others | 0.14% | 0.1% | 0.09% | 0.09% | 0.07% | 0.06% | 0.05% | 0.05% | 0.04% | 0.04% | 0.03% | 0.03% |
| Public | 7.79% | 8.06% | 7.18% | 7.0% | 6.01% | 6.14% | 5.81% | 5.79% | 5.58% | 6.02% | 5.98% | 6.46% |
| Promoters | 52.16% | 52.16% | 52.16% | 52.16% | 52.16% | 52.16% | 52.16% | 52.49% | 52.49% | 52.49% | 52.49% | 52.49% |
| FII | 14.1% | 12.72% | 11.95% | 10.08% | 10.19% | 10.49% | 10.68% | 9.33% | 9.59% | 9.11% | 9.4% | 9.53% |
| DII | 25.84% | 26.96% | 28.61% | 30.66% | 31.58% | 31.17% | 31.31% | 32.33% | 32.29% | 32.34% | 32.09% | 31.48% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| M&m Fin. Services Ltd (this stock) | 46,294 | 13.8 | 1.73 | 12.3% |
| Authum Invest & Infra Ltd | 47,692 | 22.8 | 3.25 | 12.8% |
| 360 One Wam Limited | 44,087 | 34.9 | 4.47 | 14.4% |
| Sundaram Finance Ltd | 50,086 | 22.0 | 3.36 | 15.0% |
| Max Financial Serv Ltd | 50,318 | 464.0 | 9.53 | 1.52% |
| Piramal Finance Limited | 50,703 | 113.0 | 1.73 | 0.86% |
| Poonawalla Fincorp Ltd | 40,644 | 51.6 | 3.64 | 5.86% |
Which Mutual Funds Hold M&m Fin. Services Ltd?
Frequently Asked Questions about M&m Fin. Services Ltd
M&m Fin. Services Ltd (M&MFIN) closed at ₹333.1 on NSE on 25 September 2026, down 6.8 (2.0%) from the previous close.
M&m Fin. Services Ltd trades on the NSE (National Stock Exchange of India) under the symbol M&MFIN.
M&m Fin. Services Ltd has a trailing twelve-month P/E (price-to-earnings) ratio of 13.8.
M&m Fin. Services Ltd has a dividend yield of 2.25%.
M&m Fin. Services Ltd's 52-week high is ₹415.0 and its 52-week low is ₹270.0.
M&m Fin. Services Ltd has a market capitalisation of ₹46,294 crore.
M&m Fin. Services Ltd has a TopFund Quality Score of 61/100 (Average), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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