NBFC in India's Financials sector. Market cap ₹5,472Cr, quarterly revenue ₹500Cr, net profit ₹100Cr. Operating margins 71%.
Revenue flat across recent quarters at ~₹500Cr—verify if lending portfolio stalled or pricing-pressured
Margins at 71% leave 1–2pp compression risk cutting ₹5–10Cr quarterly profit
D/E n/a—clarify debt, leverage constraints on lending growth
ROE 13.3% modest—verify whether spreads compressed or assets inefficiently deployed
Generated analysis · source review pending
Operating margins 71% provide buffer if lending spreads compress—growth if portfolio volume expands at margin levels
Net profit ₹90–110Cr stable across recent quarters—growth if revenue inflects without cost deterioration
Consistent dividends (Feb 2026, Aug 2025, Feb 2025, Sep 2024) reflect stable cash generation—growth if retained earnings deployed to expand lending book
EPS ₹4.9–5.98 trading flat—growth if capital efficiency (ROE 13.3%) improves through higher spreads or lower credit costs
Generated analysis · source review pending
2,208 historical price candles were omitted because the exchange source has not been verified.
Structured signal from quality, growth, valuation and momentum.
₹ crore, by fiscal year
% of revenue, by fiscal year
Comparable companies from the narrowest available industry classification.
Reported profit and loss, balance sheet, cash flow and growth history.
Annual operating, return, leverage and working-capital ratios.
Current futures and options contracts with compact option-chain pages.
Mutual-fund schemes that disclosed a holding in the company.
Annual reports, exchange filings, offer documents, ratings and earnings-call material.
Upcoming dates and the company’s corporate-action history.
Latest exchange announcements, filings and downloadable documents.
Consolidated figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| Gross margin % | — | — | — | — | — | — | — | — |
| EBITDA margin % | 76.6% | 74.4% | 77% | 80.6% | 77.7% | 76.9% | 74.3% | 71% |
| EBIT margin % | 76.3% | 74% | 76.6% | 80.3% | 77.5% | 76.6% | 73.9% | 70.6% |
| PAT margin % | 25.6% | — | 23.2% | 23.4% | 20.8% | 19.9% | 19.7% | 18.8% |
| Working capital | ||||||||
| Receivable days | — | — | 1 | 1 | — | — | — | — |
| Inventory days | — | — | — | — | 0 | 0 | 0 | 0 |
| Payable days | — | — | — | — | — | — | — | — |
| NWC days | — | — | — | — | — | — | — | — |
| Leverage | ||||||||
| Current ratio | — | — | — | — | — | — | — | — |
| Debt to EBITDA | 4.91 | 4.82 | 7.28 | 6.31 | 7.98 | 7.55 | 7.72 | 7.28 |
| Debt to equity | 2.48 | 2.98 | 2.98 | 2.9 | 4.03 | 4.17 | 3.51 | 3.47 |
| Interest coverage | 2.1 | 1.8 | 1.7 | 1.6 | 1.5 | 1.5 | 1.6 | 1.6 |
| Asset turnover | 0.15 | 0.18 | 0.12 | 0.13 | 0.12 | 0.13 | 0.13 | 0.15 |
| Return ratios | ||||||||
| Return on assets % | 3.9% | — | 2.7% | 3% | 2.6% | 2.7% | 2.6% | 2.7% |
| Return on capital employed % | — | — | — | — | — | — | — | — |
| Return on equity % | 16.9% | — | 12.3% | 13.3% | 13.6% | 14.2% | 12% | 12.6% |
Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.
| Holder (%) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 73.73% | 73.73% | 73.73% | 66.63% | 66.63% | 66.63% | 74.13% | 66.63% | 66.63% | 66.63% | 66.65% | 66.65% | |
| 2.01% | 1.62% | 1.79% | 3.58% | 2.72% | 3.01% | 3.47% | 3.06% | 3.18% | 3.13% | 3.46% | 3.68% | |
| 8.57% | 8.43% | 14.41% | 20.41% | 20.23% | 20.02% | 22.4% | 19.99% | 20.16% | 20.24% | 20.04% | 19.69% | |
| Government | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| 15.69% | 16.22% | 10.07% | 9.38% | 10.42% | 10.34% | 0% | 10.32% | 10.03% | 10% | 9.85% | 9.98% | |
| No. of shareholders | — | — | — | — | — | — | — | — | 43,237 | 42,016 | 40,107 | 39,685 |
Promoter holding down 7.08 percentage points since Sep 2023.
| Date | Client | Type | Venue | Side | Quantity | Price | Value |
|---|---|---|---|---|---|---|---|
| 15 Jul 2025 | NIPPON INDIA MUTUAL FUND | Block | NSE | Buy | 20,00,000 | ₹305.00 | ₹61.00 Cr |
| 15 Jul 2025 | BUSINESS EXCELLENCE TRUST III | Block | NSE | Sell | 20,00,000 | ₹305.00 | ₹61.00 Cr |
| 15 Jul 2025 | NIPPON INDIA MUTUAL FUND | Bulk | NSE | Buy | 20,00,000 | ₹305.00 | ₹61.00 Cr |
| 15 Jul 2025 | BUSINESS EXCELLENCE TRUST III | Bulk | NSE | Sell | 20,00,000 | ₹305.00 | ₹61.00 Cr |
| 9 Aug 2023 | BASANT MAHESHWARI WEALTH ADVISERS LLP | Bulk | NSE | Buy | 2,93,124 | ₹816.38 | ₹23.93 Cr |
| 27 Jul 2023 | PGIM INDIA MUTUAL FUND | Bulk | NSE | Sell | 6,80,000 | ₹770.08 | ₹52.37 Cr |
| 27 Jul 2023 | SOCIETE GENERALE | Bulk | NSE | Buy | 5,94,169 | ₹769.97 | ₹45.75 Cr |
| 4 Feb 2022 | GRAVITON RESEARCH CAPITAL LLP | Bulk | NSE | Sell | 3,09,170 | ₹623.60 | ₹19.28 Cr |
| 4 Feb 2022 | GRAVITON RESEARCH CAPITAL LLP | Bulk | NSE | Buy | 3,09,170 | ₹623.17 | ₹19.27 Cr |
Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.
Current officeholders as filed with BSE. A person holding two offices is listed once per office.
Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.
| Company | Mkt Cap | EV | Revenue | EBITDA | OPM | PAT | NPM | ROCE | ROE | WC Days |
|---|---|---|---|---|---|---|---|---|---|---|
| Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN | ₹1,77,811 Cr | ₹4,28,503 Cr | ₹49,997 Cr | ₹36,981 Cr | 73.7% | ₹11,318 Cr | 20.8% | — | 16.4% | — |
| Tata Capital LimitedTATACAPTATACAP | ₹1,35,540 Cr | ₹3,71,517 Cr | ₹32,695 Cr | ₹24,219 Cr | 73.2% | ₹5,404 Cr | 15.5% | — | 13.3% | — |
| Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN | ₹1,33,352 Cr | ₹3,45,452 Cr | ₹32,663 Cr | ₹22,399 Cr | 68.2% | ₹5,751 Cr | 16.8% | — | 19.3% | — |
| Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN | ₹1,08,289 Cr | ₹2,60,075 Cr | ₹33,431 Cr | ₹27,558 Cr | 81.4% | ₹11,373 Cr | 34% | — | 30.9% | — |
| L&T Finance LimitedLTFLTF | ₹66,238 Cr | ₹1,76,126 Cr | ₹18,928 Cr | ₹11,603 Cr | 61.1% | ₹3,226 Cr | 16.7% | — | 11.2% | — |
| Sbi Cards And Payment Services LimitedSBICARDSBICARD | ₹53,594 Cr | ₹97,658 Cr | ₹20,063 Cr | ₹5,374 Cr | 26.7% | ₹2,275 Cr | 10.9% | — | 14.7% | — |
| Hdb Financial Services LimitedHDBFSHDBFS | ₹51,335 Cr | ₹1,38,733 Cr | ₹16,300 Cr | ₹9,318 Cr | 57.2% | ₹2,176 Cr | 13.4% | — | 14.7% | — |
| Sundaram Finance LimitedSUNDARMFINSUNDARMFIN | ₹48,838 Cr | ₹1,18,475 Cr | ₹10,104 Cr | ₹7,957 Cr | 78.3% | ₹2,220 Cr | 21% | — | 14.7% | — |
| Piramal Finance LimitedPIRAMALFINPIRAMALFIN | ₹45,868 Cr | ₹1,25,857 Cr | ₹11,852 Cr | ₹7,051 Cr | 59.5% | ₹1,504 Cr | 12.7% | — | 5.3% | — |
| Authum Investment & Infrastructure LimitedAIILAIIL | ₹45,797 Cr | ₹49,133 Cr | ₹2,863 Cr | ₹2,451 Cr | 88.2% | ₹3,582 Cr | 74% | — | 13.1% | — |
| Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN | ₹44,445 Cr | ₹1,72,816 Cr | ₹21,733 Cr | ₹13,785 Cr | 62.5% | ₹3,253 Cr | 13.6% | — | 11.9% | — |
| Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA | ₹38,161 Cr | ₹86,259 Cr | ₹7,813 Cr | ₹4,291 Cr | 52.7% | ₹787 Cr | 8% | — | 5.9% | — |
Documents link to external sources (exchange filings, company investor pages).
Intimation Of ESG Rating
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Intimation Regarding Redemption Of Optionally Convertible Preference Shares ('OCPS') Issued By MAS Rural Housing And Mortgage Finance Limited, Subsidiary Company, And Held By MAS Financial Services Limited
Intimation Of ESG Rating
Intimation Of ESG Rating
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
Shareholder Meeting / Postal Ballot-Outcome of AGM
| Date | Category | Subject | Filing |
|---|---|---|---|
| 28 Sept 2026, 3:40 pm | Insider Trading / SAST Closure of Trading Window | Closure of Trading Window | |
| 18 Sept 2026, 4:57 pm | Company Update General | Intimation Of ESG Rating | |
| 16 Sept 2026, 8:25 pm | Company Update Analyst / Investor Meet | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | |
| 12 Sept 2026, 10:29 am | Company Update General | Intimation Regarding Redemption Of Optionally Convertible Preference Shares ('OCPS') Issued By MAS Rural Housing And Mortgage Finance Limited, Subsidiary Company, And Held By MAS Financial Services Limited | |
| 11 Sept 2026, 5:12 pm | Company Update General | Intimation Of ESG Rating | |
| 10 Sept 2026, 3:12 pm | Company Update General | Intimation Of ESG Rating | |
| 2 Sept 2026, 6:45 pm | AGM/EGM AGM | Shareholder Meeting / Postal Ballot-Scrutinizer''s Report | |
| 2 Sept 2026, 5:55 pm | AGM/EGM AGM | Shareholder Meeting / Postal Ballot-Outcome of AGM |
8 schemes · 5 fund houses
| Shares | ||||||
|---|---|---|---|---|---|---|
| SMALL CAP FUND | Nippon India Mutual Fund | 1.51 Cr | 459.49 | 0.56% | 8.313% | -0 |
| Banking & Financial Services Fund | ICICI Prudential Mutual Fund | 9.01 L | 27.45 | 0.24% | 0.497% | -0 |
| Small Cap Fund | Baroda BNP Paribas Mutual Fund | 8 L | 24.36 | 1.86% | 0.441% | -0 |
| Small Cap FundNEW | ICICI Prudential Mutual Fund | 3.97 L | 12.1 | 0.12% | 0.219% | — |
| Dividend Yield FundNEW | ICICI Prudential Mutual Fund | 3.07 L | 9.34 | 0.14% | 0.169% | — |
| MF DIVIDEND YIELD FUND | LIC Mutual Fund | 2.83 L | 8.63 | 1.14% | 0.156% | -0 |
| ESG Exclusionary Strategy FundNEW | ICICI Prudential Mutual Fund | 1.11 L | 3.39 | 0.25% | 0.061% | — |
| (Investment Manager for Motilal Oswal Mutual Fund) | Motilal Oswal Mutual Fund | 178 | 0.01 | 0.01% | 0% | +1 |
Consolidated figures · ₹ crore
| ₹ Cr | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| 477 | 605 | 722 | 627 | 690 | 988 | 1,279 | 1,596 | 1,995 | |
| Interest | 186 | 224 | 296 | 285 | 339 | 496 | 647 | 763 | 907 |
| Expenses | 121 | 141 | 185 | 144 | 134 | 220 | 295 | 411 | 579 |
| Financing profit | 169 | 239 | 241 | 198 | 218 | 272 | 337 | 422 | 510 |
| Financing margin % | 35.5% | 39.6% | 33.4% | 31.6% | 31.5% | 27.5% | 26.4% | 26.5% | 25.6% |
| Other income | 0 | 0 | 0 | 1 | 1 | 2 | 7 | 4 | 7 |
| Depreciation | 2 | 2 | 3 | 3 | 2 | 3 | 4 | 6 | 7 |
| Exceptional items | — | — | 0 | 0 | 0 | 0 | 0 | 0 | -5 |
| Profit before tax | 168 | 238 | 239 | 196 | 216 | 272 | 340 | 421 | 505 |
| Tax | 63 | 83 | 57 | 50 | 55 | 66 | 86 | 107 | 129 |
| Tax % | 37.3% | 35% | 24% | 25.7% | 25.6% | 24.2% | 25.2% | 25.4% | 25.6% |
| PAT | 105 | 155 | — | 146 | 161 | 206 | 254 | 314 | 376 |
| EPS (₹) | 21.7 | 28.3 | 32.9 | 26.4 | 29.1 | 37.2 | 15.3 | 17.5 | 20.5 |
| EPS adjusted (₹) | 8.1 | 9.4 | 11 | 8.8 | 9.7 | 12.4 | 15.3 | 17.1 | 20.5 |
| 16.8% | 18% | 24.3% | 5.7% | 10.3% | 9.8% | 22.9% | 9.7% | 9.8% | |
| Annual report | Annual report for Mar 2018 | Annual report for Mar 2019 | Annual report for Mar 2020 | Annual report for Mar 2021 | Annual report for Mar 2022 | Annual report for Mar 2023 | Annual report for Mar 2024 | Annual report for Mar 2025 | Annual report for Mar 2026 |
| ₹ Cr | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 90 | 43 | 55 | 55 | 55 | 55 | 55 | 164 | 181 | 181 |
| Reserves | 241 | 135 | 861 | 815 | 1,125 | 1,158 | 1,464 | 1,619 | 2,428 | 2,793 |
| Minority interest | — | 12 | 19 | 19 | 20 | 21 | 26 | 36 | 41 | 62 |
| 1,079 | 1,491 | 2,273 | 2,587 | 3,513 | 3,513 | 6,128 | 7,426 | 9,156 | 10,314 | |
| 790 | 519 | 783 | 531 | 717 | 671 | 342 | 303 | 393 | 396 | |
| Total equity & liabilities | 2,201 | 2,200 | 3,991 | 4,006 | 5,430 | 5,417 | 8,014 | 9,547 | 12,199 | 13,747 |
| — | 14 | 13 | 13 | 12 | 12 | 16 | 22 | 24 | 71 | |
| CWIP | — | — | 46 | 46 | 50 | 50 | 58 | 70 | 91 | 126 |
| Investments | 0 | 0 | 5 | 5 | 202 | 202 | 791 | 726 | 1,526 | 972 |
| 2,201 | 2,186 | 3,927 | 3,943 | 5,166 | 5,154 | 7,149 | 8,729 | 10,558 | 12,577 | |
| Total assets | 2,201 | 2,200 | 3,991 | 4,006 | 5,430 | 5,417 | 8,014 | 9,547 | 12,199 | 13,747 |
As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.
Latest reported period · 31 Mar 2026 · ₹ crore
| Segment | Revenue | Result | Assets | Liabilities | Capital employed | ROCE % |
|---|---|---|---|---|---|---|
| Financing activities | 2,000.92 | 503.95 | 13,744.83 | 10,709.93 | 3,034.9 | 16.61 |
| Others | 1.35 | 1.04 |
| ₹ Cr | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| 196 | -578 | -802 | -1,488 | -1,366 | -1,133 | -1,787 | |
| 4 | -199 | -820 | -242 | 50 | -828 | 467 | |
| 448 | 719 | 923 | 1,684 | 1,290 | 2,198 | 1,095 | |
| Net cash flow | 648 | -59 | -700 | -46 | -26 | 236 | -225 |
| Free cash flow | 196 | -580 | -807 | -1,498 | -1,388 | -1,159 | -1,866 |
| CFO / Operating profit % | 36.6% | -119.8% | -144.2% | -193.8% | -138.8% | -95.6% | -126.1% |
| 1.77 |
| 0.24 |
| 1.53 |
| 67.97 |
₹ crore by fiscal year