MAS Financial Services Ltd. (IN:MASFIN)
:MASFIN
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MASFIN Stock Chart & Stats
₹325.25
-₹1.60(-0.61%)
At close: 4:00 PM EST
₹325.25
-₹1.60(-0.61%)
Day’s Range― - ―
52-Week Range₹276.00 - ₹358.40
Previous CloseN/A
Volume95.61K
Average Volume (3M)7.18K
Market Cap
₹56.12B
Enterprise Value₹157.00B
Total Cash (Recent Filing)₹16.73B
Total Debt (Recent Filing)₹99.10B
Price to Earnings (P/E)15.0
Beta0.81
Next Earnings
Aug 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.43%
Share Statistics
EPS (TTM)18.23
Shares Outstanding181,453,380
10 Day Avg. Volume5,624
30 Day Avg. Volume7,181
Financial Highlights & Ratios
PEG Ratio0.84
Price to Book (P/B)1.79
Price to Sales (P/S)3.02
P/FCF Ratio-2.83
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)24.62
Revenue Forecast (FY)₹12.51B
Bulls Say, Bears Say
Bulls Say
Retail MSME Lending FocusMASFIN's focus on retail MSME and self-employed borrowers targets structurally underserved credit demand in India. A distributed channel-based origination model diversifies borrower concentration, supports repeatable loan flow and steadier interest income versus large corporate exposures.
Strong Multi-year Revenue GrowthConsistent multi-year revenue growth and robust reported profitability indicate durable origination capability and pricing power. Scale in the loan book increases net interest income potential and funds reinvestment in distribution and underwriting, supporting sustainable earnings generation.
Scale-up With Rising EquityMaterial asset and equity growth shows successful balance-sheet scale and capital formation. Higher equity buffers strengthen loss-absorbing capacity, permitting continued lending expansion while maintaining returns (ROE ~12–14%), improving long-term resilience to credit stress.
Bears Say
Persistent Negative Operating Cash FlowOperating and free cash flow are persistently negative, indicating loan book growth consumes internal liquidity. This structural cash burn increases reliance on external funding and raises refinancing and liquidity risk if wholesale funding conditions tighten or credit spreads widen.
High Leverage And Rising DebtElevated leverage and a material increase in total debt magnify sensitivity to funding costs and credit deterioration. High debt-to-equity limits financial flexibility, raises interest expense exposure, and can amplify earnings volatility and constraint capacity to absorb higher provisions.
Margin Compression TrendSignificant decline in gross margins over recent years suggests rising funding costs or competitive pricing pressure as the book scales. Continued margin compression would reduce net interest spreads and constrain the company's ability to cover credit costs while preserving return on equity.
MAS Financial Services Ltd. News
MASFIN FAQ
What was MAS Financial Services Ltd.’s price range in the past 12 months?
MAS Financial Services Ltd. lowest stock price was ₹276.00 and its highest was ₹358.40 in the past 12 months.
What is MAS Financial Services Ltd.’s market cap?
MAS Financial Services Ltd.’s market cap is ₹56.12B.
When is MAS Financial Services Ltd.’s upcoming earnings report date?
MAS Financial Services Ltd.’s upcoming earnings report date is Aug 05, 2026 which is in 61 days.
How were MAS Financial Services Ltd.’s earnings last quarter?
MAS Financial Services Ltd. released its earnings results on Apr 29, 2026. The company reported ₹5.5 earnings per share for the quarter, beating the consensus estimate of ₹5.4 by ₹0.1.
Is MAS Financial Services Ltd. overvalued?
According to Wall Street analysts MAS Financial Services Ltd.’s price is currently Overvalued.
Does MAS Financial Services Ltd. pay dividends?
MAS Financial Services Ltd. pays a Semiannually dividend of ₹0.7 which represents an annual dividend yield of 0.43%. See more information on MAS Financial Services Ltd. dividends here
What is MAS Financial Services Ltd.’s EPS estimate?
MAS Financial Services Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does MAS Financial Services Ltd. have?
MAS Financial Services Ltd. has 181,453,380 shares outstanding.
What happened to MAS Financial Services Ltd.’s price movement after its last earnings report?
MAS Financial Services Ltd. reported an EPS of ₹5.5 in its last earnings report, beating expectations of ₹5.4. Following the earnings report the stock price went up 2.286%.
Which hedge fund is a major shareholder of MAS Financial Services Ltd.?
Currently, no hedge funds are holding shares in IN:MASFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
MAS Financial Services Ltd.
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro enterprise, small and medium enterprise, two-wheeler, commercial vehicle, salaried personal, used car, tractor, and housing loans; and loans to micro finance institutions and non-banking financial companies. As of March 31, 2022, it operated approximately 4,438 customer locations through a network of 125 branches in cities/towns of Gujarat, Maharashtra, Rajasthan, Madhya Pradesh, Tamil Nadu, Karnataka, and Delhi NCR. The company serves low- and middle-income individuals, as well as micro, small, and medium enterprises. MAS Financial Services Limited was incorporated in 1995 and is headquartered in Ahmedabad, India.
Technical Analysis
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