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Max Financial Services Limited
Fundamental Score
Max Financial Services Limited Share Price & Market Analysis
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of MFSL across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Consistent Growth Track Record (20.57% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Profit Growth Track Record (18.01% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.19)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Interest Coverage (7.38x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
Strong Cash Generation (₹38948.69 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 92.00%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
9 factors identified
Below-Average Return on Equity (7.26%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.13%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (1.31%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 201.18x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Profit Decline Concern (-45.20%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Low Promoter Commitment (1.74%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for Max Financial Services Limited
About MFSL
Company Details
Market Information
Performance
MFSL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of MFSL?
MFSL is currently trading at ₹1584.90 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of MFSL shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of MFSL and what does it mean?
MFSL has a P/E ratio of 201.18x compared to the industry average of 73.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹201 for every ₹1 of annual earnings. This is higher than the industry average, suggesting either growth premium or potential overvaluation.
How is MFSL performing according to Bull Run's analysis?
MFSL has a Bull Run fundamental score of 38.8/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 7.26%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does MFSL belong to?
MFSL operates in the Insurance industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting Max Financial Services Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
What is Return on Equity (ROE) and why is it important for MFSL?
MFSL has an ROE of 7.26%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Max Financial Services Limited generates profits from shareholders' equity. An ROE of 7% means the company generates ₹7 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is MFSL's debt-to-equity ratio and what does it indicate?
MFSL has a debt-to-equity ratio of 0.19, which indicates conservative financing with low financial risk. This means the company has ₹19 of debt for every ₹100 of equity. This conservative approach provides financial stability but may limit growth potential.
What is MFSL's dividend yield and is it a good dividend stock?
MFSL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
How has MFSL grown over the past 5 years?
MFSL has achieved 5-year growth rates of: Sales Growth 20.57%, Profit Growth 18.01%, and EPS Growth 12.32%. This consistent double-digit growth indicates a strong business model and competitive positioning. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
What is the promoter holding in MFSL and why does it matter?
Promoters hold 1.74% of MFSL shares, with 0.00% of promoter shares pledged. This promoter holding level suggests balanced ownership between management and public shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: 0.00%.
How does MFSL compare with its industry peers?
MFSL trades at P/E 201.18x vs industry average 73.20x, with ROE of 7.26% and ROCE of 8.13%. The stock trades at a premium to industry average, which may be justified by superior fundamentals. Peer comparison helps identify whether MFSL is outperforming its competitive set in profitability, growth, and valuation metrics.
What is MFSL's market capitalization and what category does it fall into?
MFSL has a market capitalization of ₹54664 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for MFSL?
Key ratios for MFSL: ROE 7.26% (Needs improvement), ROCE 8.13%, P/E 201.18x, Debt-to-Equity 0.19, Interest Coverage 7.38x. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is MFSL stock and what is its beta?
MFSL has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for MFSL?
MFSL has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹1584.90, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in MFSL?
Key risks for MFSL include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 0.19), and operational challenges. The stock has a Fundamental Score of 38.8/100, indicating higher risk requiring thorough due diligence. Sector-specific risks in Insurance include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is MFSL's operating profit margin and how has it trended?
MFSL has a 5-year average Operating Profit Margin (OPM) of 1.31%, which suggests room for improvement in operational efficiency. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. Monitor margin trends to assess management's ability to control costs and improve efficiency. Compare with industry peers to understand relative performance.
How is MFSL's quarterly performance in terms of sales and profit growth?
MFSL's recent quarterly performance shows YoY Sales Growth of 8.67% and YoY Profit Growth of -45.20%. Growth rates indicate the current business trajectory and market demand. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in MFSL?
MFSL has FII holding of 44.71% and DII holding of 47.29%, totaling 92.00% institutional ownership. High institutional holding indicates professional validation of business quality and growth prospects. Significant FII holding suggests global investor confidence and potential for index inclusion. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.