MAS Financial Services Limited share price
NSE: MASFIN · ISIN INE348L01012
Key numbers
- Market cap
- ₹ 5,131 Cr
- Current price
- ₹ 282.75
- 52-week high / low
- ₹ 359 / 275
- Stock P/E
- 13.0
- Book value
- ₹ 164.1
- Dividend yield
- 0.71%
- ROCE
- 4.0%
- ROE
- 13.3%
- Debt to equity
- 3.47
- Sales growth (3 yrs)
- 25.5%
- Profit growth (3 yrs)
- 22.2%
- 1-year return
- -10.6%
About MAS Financial Services Limited
MAS Financial Services Limited, a non-banking finance company (NBFC), provides retail financing services for individuals and businesses in India. It operates through Financing Activities and Others segments. The company offers micro-enterprise, small and medium enterprise, business, two-wheeler, used car, salaried personal, commercial vehicle and property, and housing finance loans; project loans for real estate projects; loans to NBFCs; and loans against property. It also engages in insurance broking activities. MAS Financial Services Limited was incorporated in 1995 and is headquartered in Ahmedabad, India.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 398 | 419 | 444 | 471 | 504 |
| Operating profit | 116 | 114 | 110 | 125 | 154 |
| Net profit | 82 | 86 | 92 | 103 | 108 |
| EPS (₹) | 4.55 | 4.71 | 5.08 | 5.69 | 5.98 |
Concall summary (2026-08-05)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- With a very strong AUM growth of 21%, consistent to our guidance of 20% to 25%.
- In addition, we currently have sanctioned direct assignment lines of more than INR700 crores which we expect to utilize during the quarter.
Growth & demand
- So, it is a growth of around 21% from INR13,300 crores to INR16,100 crores, and PAT growth is of around 27% from INR86 crores to INR110 crores.
- Profit before tax , there is a growth of 25% from INR112 crores to INR140 crores and the profit after tax grew by 25% from INR84 crores to INR105 crores.
Margins & costs
- While this year, we did good in reducing our borrowing cost by almost 55 basis points to 9.25% from the erstwhile borrowing cost.
- Quickly on the housing finance side, I'm very happy to share the operational numbers in terms of profitability, a strong growth of profitability of 56% because of the lower operational cost as we are growing our AUM.
Balance sheet & cash
- On the long -term borrowing front, we raised INR400 crores through term loans during the quarter, with an average maturity profile of 3 years to 5 years.
- Additionally, we have sanctioned borrowing lines of more than INR250 crores available for future drawdown.
Risks & challenges
- Despite probable headwinds of the conflict, which we were expecting in the beginning, but fortunately did not play out because of two reasons.
- One is our CRO, Nishant Jain, who is with the company since last almost 7 - 8 years and given his performance and given his contribution on the risk management has been entrusted to more responsibility as Director -Operations, which will cover credit risk and operations, everything.
Peers in Credit Services
- Bajaj Finance Limited
- Shriram Finance Limited
- Tata Capital Limited
- Cholamandalam Investment and Finance Company Limited
- Muthoot Finance Limited
- Power Finance Corporation Limited
- Indian Railway Finance Corporation Limited
- L&T Finance Limited
- SBI Cards and Payment Services Limited
- HDB Financial Services Limited
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