Mas Financial Services Ltd
Fundamental Score
Mas Financial Services Ltd Share Price Live NSE/BSE
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 MASFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (77.15%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 16.90 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Strong Revenue Growth (24.97%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (17.61% 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.
Balanced Promoter Holding (66.63%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
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
5 factors identified
Elevated Debt Levels (D/E: 3.53)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.55x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-5378.63 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Mas Financial Services Ltd
About MASFIN
Business Overview
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro-enterprises, small and medium businesses, two-wheeler, commercial vehicle, used vehicle loans, and salaried personal loans, tractor, and housing loans. It serves through a distribution network of partner microfinance institutions, non-banking finance companies, housing finance companies, and franchisees. MAS Financial Services Limited was incorporated in 1995 and is based in Ahmedabad, India.
Company Details
Key Leadership
Corporate Events
MASFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Mas Financial Services Ltd (MASFIN)?
As of 21 Jan 2026, 08:46 am IST, Mas Financial Services Ltd (MASFIN) is currently trading at ₹299.50. The stock has a market capitalization of ₹5.71K (Cr).
Is MASFIN share price Overvalued or Undervalued?
MASFIN is currently trading at a P/E ratio of 16.90x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Mas Financial Services Ltd share price?
Key factors influencing MASFIN's price include its quarterly earnings growth (Sales Growth: 24.97%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Mas Financial Services Ltd a good stock for long-term investment?
Mas Financial Services Ltd shows a 5-year Profit Growth of 12.81% and an ROE of 14.14%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.53 before investing.
How does Mas Financial Services Ltd compare with its industry peers?
Mas Financial Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare MASFIN's P/E of 16.90x and ROE of 14.14% against the industry averages to determine its competitive standing.
What is the P/E ratio of MASFIN and what does it mean?
MASFIN has a P/E ratio of 16.90x compared to the industry average of 22.03x. 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 ₹17 for every ₹1 of annual earnings.
How is MASFIN performing according to Bull Run's analysis?
MASFIN has a Bull Run fundamental score of 51.1/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does MASFIN belong to?
MASFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Mas Financial Services Ltd.
What is Return on Equity (ROE) and why is it important for MASFIN?
MASFIN has an ROE of 14.14%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Mas Financial Services Ltd generates profits from shareholders' equity.
How is MASFIN's debt-to-equity ratio and what does it indicate?
MASFIN has a debt-to-equity ratio of 3.53, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is MASFIN's dividend yield and is it a good dividend stock?
MASFIN offers a dividend yield of 0.54%, which means you receive ₹0.54 annual dividend for every ₹100 invested.
How has MASFIN grown over the past 5 years?
MASFIN has achieved 5-year growth rates of: Sales Growth 17.61%, Profit Growth 12.81%, and EPS Growth 10.55%.
What is the promoter holding in MASFIN and why does it matter?
Promoters hold 66.63% of MASFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is MASFIN's market capitalization category?
MASFIN has a market capitalization of ₹5708 crores, placing it in the Mid-cap category.
How volatile is MASFIN stock?
MASFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for MASFIN?
MASFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is MASFIN's operating profit margin trend?
MASFIN has a 5-year average Operating Profit Margin (OPM) of 77.15%, indicating the company's operational efficiency.
How is MASFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 24.97% and YoY Profit Growth of 17.75%.
What is the institutional holding pattern in MASFIN?
MASFIN has FII holding of 3.18% and DII holding of 20.15%. Significant institutional holding often suggests professional confidence in the stock.