💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
MAS Financial Services Limited is an India-based Non-Banking Finance Company (NBFC) engaged in providing specialized retail financing services. The Company provides a range of products, which include micro enterprise loans (MEL), small and medium enterprise loans (SME),…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, reasonably priced — carrying meaningful debt.
MAS Financial is scored on the nbfc / financials framework. It keeps a healthy 18.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 27%/yr and profit at 22%/yr. Book value itself has compounded 25%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 12.9%. In the latest quarter profit grew 5% versus the prior quarter.
At 13× earnings, the stock sits at the 30th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 11.39 | 26.61 | better |
| P/B | 1.5 | 1.5 | worse |
| EV/EBITDA | 10.28 | — | — |
| ROE | 12.95 | 8.89 | better |
| ROCE | 10.14 | 7.07 | better |
| ROA | 2.72 | — | — |
| Quick Ratio | 3.39 | 3.59 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 27% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (27% vs 22%) — costs are rising faster than the top line.
Operating margin has compressed from 28% to 25% — costs or competition are eating into profitability.
ROE at 12% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
Profit grew faster than EPS (22% vs -18%) — share dilution is eroding per-share value. -18% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 10% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 66.7% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.