Want to see IN:MASFIN full AI Analyst Report?
MASFIN Stock Chart & Stats
₹313.00
₹4.75(1.51%)
At close: 4:00 PM EDT
₹313.00
₹4.75(1.51%)
Day’s Range― - ―
52-Week Range₹253.95 - ₹358.40
Previous CloseN/A
Volume89.22K
Average Volume (3M)26.12K
Market Cap
₹48.17B
Enterprise Value₹144.57B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)12.0
Beta0.85
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)21.73
Shares Outstanding181,453,380
10 Day Avg. Volume35,866
30 Day Avg. Volume26,121
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)25.07
Revenue Forecast (FY)₹12.39B
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthSustained revenue expansion indicates that MAS Financial Services continues to grow its lending franchise and customer loan base. Growth at this scale can support operating leverage, broaden interest income, and reinforce the company’s ability to build earnings over the next several quarters.
Robust ProfitabilityConsistently strong net margins demonstrate that the lending model has generated substantial reported profitability across multiple years. This provides internal earnings capacity to strengthen equity, absorb some credit costs, and fund continued expansion, although future sustainability depends on funding and portfolio quality.
Secured Partner-Led Lending ModelSecured lending can provide stronger recovery support than unsecured credit, while partner-led origination can expand distribution without requiring a fully owned branch network. Together, these characteristics support scalable access to individuals and small businesses across a wider geographic footprint.
Bears Say
Persistently Negative Cash FlowPersistent negative operating and free cash flow means loan-book growth is consuming substantial cash rather than directly funding expansion. Even when typical of a growing credit business, the magnitude increases reliance on external funding and leaves less flexibility if funding access or portfolio conditions weaken.
Elevated And Rising LeverageHigh and expanding leverage increases MAS Financial Services’ sensitivity to funding costs, liquidity conditions, and credit losses. A more heavily financed balance sheet can magnify earnings volatility and constrain capital allocation, particularly if asset quality deteriorates while the loan book continues to expand.
Margin CompressionThe sustained decline in gross margin suggests that funding costs, operating expenses, or pricing pressure are absorbing more of the economics as the lending book scales. If this trend persists, future revenue growth may translate less effectively into profits and reduce resilience against credit losses.
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 ₹253.95 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 ₹48.17B.
When is MAS Financial Services Ltd.’s upcoming earnings report date?
MAS Financial Services Ltd.’s upcoming earnings report date is Oct 28, 2026 which is in 5 days.
How were MAS Financial Services Ltd.’s earnings last quarter?
MAS Financial Services Ltd. released its earnings results on Jul 29, 2026. The company reported ₹5.8 earnings per share for the quarter, beating the consensus estimate of ₹5.6 by ₹0.2.
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 ₹0.75 which represents an annual dividend yield of 0.77%. 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 ₹5.8 in its last earnings report, beating expectations of ₹5.6. Following the earnings report the stock price went up 2.97%.
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 operates as an Indian non-banking financial corporation, specializing in the provision of retail financing solutions. Its comprehensive product portfolio includes financial assistance for micro and small-to-medium enterprises, along with loans for two-wheelers, commercial vehicles, salaried individuals, pre-owned cars, and agricultural tractors. Additionally, it extends housing finance and provides credit facilities to other microfinance institutions and non-banking financial entities. By March 31, 2022, the company had established a significant operational footprint, reaching around 4,438 customer touchpoints via its 125 branches spread across various urban and semi-urban centers in Gujarat, Maharashtra, Rajasthan, Madhya Pradesh, Tamil Nadu, Karnataka, and the Delhi National Capital Region. MAS Financial Services primarily caters to individuals in the low- and middle-income brackets, alongside micro, small, and medium-sized businesses. Founded in 1995, MAS Financial Services Limited is headquartered in Ahmedabad, India.
Technical Analysis
IndoStar Capital Finance Limited
―
Muthoot Microfin Ltd
―
Paisalo Digital Ltd.
―
SBFC Finance Limited
―
Spandana Sphoorty Financial Ltd.
―