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Max Financial Services Ltd
Fundamental Score
Max 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 MFSL across key market metrics for learning purposes.
Positive Indicators
5 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.
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: 92.04%)
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
10 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: 362.14x)
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 (-96.33%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-26.77%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Low Promoter Commitment (1.71%)
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.
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Financial Statements
Comprehensive financial data for Max Financial Services Ltd
About MFSL
Business Overview
Max Financial Services Limited, through its subsidiary, engages in life insurance business in India. The company operates through Business Investments and Others, and Life Insurance segments. It offers participating and nonparticipating and linked products covering life insurance, pension and health benefits, including riders for individual and group through individual agents, corporate agents, banks, brokers, and other channels. The company is also involved treasury investment activities; and provision of management advisory services. Max Financial Services Limited was incorporated in 1988 and is based in Noida, India.
Company Details
Key Leadership
Corporate Events
Latest News
MFSL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Max Financial Services Ltd (MFSL)?
As of 15 Jan 2026, 05:52 am IST, Max Financial Services Ltd (MFSL) is currently trading at ₹1649.90. The stock has a market capitalization of ₹59.14K (Cr).
Is MFSL share price Overvalued or Undervalued?
MFSL is currently trading at a P/E ratio of 362.14x, compared to the industry average of 83.91x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Max Financial Services Ltd share price?
Key factors influencing MFSL's price include its quarterly earnings growth (Sales Growth: -26.77%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Max Financial Services Ltd a good stock for long-term investment?
Max Financial Services Ltd shows a 5-year Profit Growth of 18.01% and an ROE of 7.26%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.34 before investing.
How does Max Financial Services Ltd compare with its industry peers?
Max Financial Services Ltd competes with major peers in the Life Insurance. Investors should compare MFSL's P/E of 362.14x and ROE of 7.26% against the industry averages to determine its competitive standing.
What is the P/E ratio of MFSL and what does it mean?
MFSL has a P/E ratio of 362.14x compared to the industry average of 83.91x. 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 ₹362 for every ₹1 of annual earnings.
How is MFSL performing according to Bull Run's analysis?
MFSL has a Bull Run fundamental score of 29.1/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does MFSL belong to?
MFSL operates in the Life Insurance industry. This classification helps understand the competitive landscape and sector-specific trends affecting Max Financial Services Ltd.
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 Ltd generates profits from shareholders' equity.
How is MFSL's debt-to-equity ratio and what does it indicate?
MFSL has a debt-to-equity ratio of 0.34, which indicates moderate leverage that should be monitored. A ratio below 1.0 generally indicates conservative financing.
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.
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%.
What is the promoter holding in MFSL and why does it matter?
Promoters hold 1.71% of MFSL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is MFSL's market capitalization category?
MFSL has a market capitalization of ₹59142 crores, placing it in the Large-cap category.
How volatile is MFSL stock?
MFSL 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 MFSL?
MFSL has a 52-week high of ₹N/A and low of ₹N/A.
What is MFSL's operating profit margin trend?
MFSL has a 5-year average Operating Profit Margin (OPM) of 1.31%, indicating the company's operational efficiency.
How is MFSL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -26.77% and YoY Profit Growth of -96.33%.
What is the institutional holding pattern in MFSL?
MFSL has FII holding of 44.78% and DII holding of 47.26%. Significant institutional holding often suggests professional confidence in the stock.