BSE: MASFIN - MAS Financial Services Limited

Yield per half year: -15.56%
Dividend yield: +1.55%
Sector: Financials

Reporting MAS Financial Services Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									42.58
Выручка, млрд ₹			4.89	5.81	5.01	5.66	7.75	10.04	10.04	6.85	11.56
Чистая прибыль, млрд ₹	0.6853	1.04	1.54	1.8	1.44	1.59	2.03	2.51	2.51	1.87	6.88
EV, млрд ₹			49.73	45.22	72.1	51.43	102.1	119.57	119.57	78.08	21.47
EBITDA, млрд ₹			2.94	3.02	2.47	2.66	2.32		2.32	2.68	-4.63
Баланс стоимость, млрд ₹			9.24	10.46	11.8	13.18	15.19	17.83	17.83	13.69	11.26
FCF, млрд ₹			-4.7	1.92	-5.8	-8.08	-14.99	-13.88	-13.88	-8.1660	-248.53
Операционный денежный поток, млрд ₹	-1.64	-3.86	-4.68	1.96	-5.78	-8.02	-14.88	-13.66	-13.66	-8.0760	-247.45
Операционная прибыль, млрд ₹			2.35	2.52	2.01	1.75	1.53	1.24	1.24	1.81	-13.22
Операционные расходы, млрд ₹			2.54	3.29	3.01	3.92	6.22	8.79	8.79	5.05	21.72
CAPEX, млрд ₹	0.0406	0.4854	0.02	0.0461	0.0201	0.0534	0.1095	0.2229	0.2229	0.0904	37.05

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹				1.86	2.19	2.43	2.46	2.63	2.77	3.03	1.59	3.31	3.44	2.83	4.43
Чистая прибыль, млрд ₹				0.4595	0.4998	0.521	0.5523	0.5692	0.6117	0.636	0.6936	0.7172	0.7672	0.6851	4.63
EV, млрд ₹	72.44		71.19		66.36		102.1		110.33		119.57		131.26	105.92	14.62
EBITDA, млрд ₹	0.451	0.4417	1.28	0.5212	0.5942	0.6551	0.5458	0.6713						0.5975	5.19
Баланс стоимость, млрд ₹	12.45		13.18		13.75		15.19		16.45		17.83		24.19	17.48	11.96
Операционная прибыль, млрд ₹				0.5154	0.5874	0.6481	0.5383	0.6627	0.7228	0.7319	-0.8728	0.8726	0.8883	0.4686	4.21
Операционные расходы, млрд ₹				1.35	1.6	1.78	1.92	1.96	2.05	2.29	2.47	2.43	2.55	2.36	4.46

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			3.97	10.46	9.87	2.85	2.39	2.13	2.13	5.54	-27.26
Short Term Investments ₹				0.9704	1.13	7.64	6.25	12.06	12.06	5.61	65.53
Total Receivables ₹	20.7	27.74	35.19	36.82	0.0223	0.0105	0.043	0.0654	0.0654	7.39	-71.82
Total Current Assets ₹	21.74	28.39	39.3	47.33	52.73	60.34	45.46	59.24	59.24	53.02	4.59
Чистые активы, млрд ₹	0.0861	0.5759	0.5804	0.6272	0.6201	0.6559	70.57		39.2	14.61	161.20
Активы, млрд ₹			39.96	48.04	54.3	63.22	80.15	95.47	95.47	68.24	14.72
Short Term Debt ₹			6.24	18.24	24.15	25.63	32.49	32.64	32.64	26.63	12.34
Long Term Debt ₹			16.49	9.71	10.98	18.76	28.79	41.62	41.62	21.97	33.79
Задолженность, млрд ₹			30.56	37.38	42.29	49.82	64.71	77.29	77.29	54.30	15.64
Чистый долг, млрд ₹			18.76	17.5	25.26	41.55	58.89	72.13	72.13	43.07	32.74
Долг, млрд ₹				27.96	35.13	44.39	61.28	74.26	74.26	48.60	21.57
Interest income ₹			0.2103	0.3221	0.4476	0.5354	1.1			0.5231	39.22
Расходы на обслуживание долга ₹			0.5464	0.605	0.4835	0.4737	0.3613	0.0033	0.0033	0.3854	-64.73
Чист. проц. доходы, млрд ₹			-0.3404	-0.3086	-0.0506	0.0474	0.7254		1.1	0.0146	-216.34
Goodwill ₹			0.0573							0.0573	0.00
Себестоимость, млрд ₹			2.25	2.97	2.75	3.59	5.73	7.9	7.9	4.59	21.61

	2019Q3	2020Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹			9.19	2.85		3.87		2.39		5.69		2.13		3.26	3.47	-3.37
Short Term Investments ₹			1.24	7.64		5.97		6.25		5.88		12.06		9.27	7.89	9.20
Total Receivables ₹	39.64	35.94		0.0105		56.46		0.043		0.0465		0.0654		0.0698	11.34	-73.79
Total Current Assets ₹	43.8	46.42	53.69	39.2		66.89		45.45		79.64		59.24		98.26	69.90	7.99
Чистые активы, млрд ₹	0.6191	0.6272	53.69	39.2		0.6815		70.57							32.95	157.18
Активы, млрд ₹			58.16	63.22		77.28		80.14		89.49		95.47		110.1	90.50	7.34
Short Term Debt ₹				25.63				32.49				32.64			30.25	8.39
Long Term Debt ₹			39.65	18.76		56.81		28.79		67.13		41.62		81.67	55.20	7.53
Задолженность, млрд ₹			45.49	49.82		63.3		64.69		72.77		77.29		85.53	72.72	6.20
Чистый долг, млрд ₹			30.45	41.55		52.95		58.89		61.44		72.13		78.4	64.76	8.17
Долг, млрд ₹								61.28				74.26			67.77	10.08
Себестоимость, млрд ₹					1.25	1.51	1.68	1.8	1.86	1.9	2.14	1.97	2.23	2.34	2.12	4.25

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			17.49	10.97	8.74	29.14	12.39	15.31		15.31	15.31	6.89
Цена акции ао	625.55	602.9	860.65	942.5	632.5	811.65	289.92	275	242.05	242.05	450.22	-17.48
Число акций ао, млн			54.66	54.66	54.66	54.66	163.99	163.99		163.99	98.39	24.57
FCF/акцию			-85.98	35.07	-106.13	-147.76	-91.4	-84.66		-84.66	-78.9760	-219.27

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS			2.62	8.41	9.14	9.53	3.37	10.41	3.73	11.64	4.23	4.23	6.85	-16.48
Цена акции ао	796.95	731.81	575.16	573.52	637.76	826	806.59	741.29	818.38	887.04			815.86	1.44

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	16.61	17.2	12.24	12.76	14.33	15.21		15.21	13.90	14.35	-2.43
ROA, %	3.84	3.75	2.66	2.71	2.84	2.86		2.86	2.81	2.96	-5.27
ROIC, %		4.69	3.4	3.11	3.01			3.01	6.29	3.55	-10.49
ROS, %	31.37	30.99	28.81	28.13	26.23	25.01	25.01	25.01	59.51	26.64	-2.79
ROCE, %							0	0	2.58
Ebit margin, %							0	0
Рентаб EBITDA, %	60.12	52.01	49.27	46.96	29.9		23.08	23.08	10.51	40.24	-15.00
Чистая рентаб, %	31.37	30.99	28.81	28.13	26.23	25.01		25.01	59.51	27.83	-4.20
Operation Margin, %	48.06	43.42	40.02	30.85	19.75	12.4	12.4	12.4	13.65	23.08	-20.89

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	3.14		3.26		3.63		4.89		4.98		5.13		4.99	13.90	4.72	6.57
ROA, %	0.6726		0.6793		0.6467		1.38		0.7212		0.75		0.7464	2.81	0.8489	2.91
ROS, %				24.67	22.81	21.42	22.48	21.67	22.06	21.01	43.51	21.69	22.3	59.51	26.11	0.22
Рентаб EBITDA, %	30.4	27.34	108.99	27.98	27.12	26.94	22.22	25.56						10.51	25.96	-1.79
Чистая рентаб, %				24.67	22.81	21.42	22.48	21.67	22.06	21.01	43.51	21.69	22.3	59.51	26.11	0.22
Operation Margin, %				27.67	26.81	26.65	21.91	25.23	26.07	24.18	-54.76	26.39	25.82	13.65	9.54	-0.19

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	20.17	15.4	32.45	6.2	21.26	18.9		18.9	29.43	18.84	4.18
P/BV	3.29	2.6	3.9	0.7373	2.8	2.61		2.61	3.11	2.53	0.08
P/S	6.33	4.77	9.35	1.74	5.58	4.73		4.73	12.16	5.23	-0.17
P/FCF					-2.84	-3.07	-3.07	-3.07	5.80	-2.9933	2.63
E/P					0.0477	0.059	0.059	0.059	0.10	0.0552	7.34
EV/EBITDA	16.9	14.97	29.2	19.34	44.08			44.08	25.28	24.90	21.14
EV/EBIT						0	0	0
EV/S		4.61	8.2	9.08	13.18	11.91	11.91	11.91	8.38	10.86	7.75
EV/FCF		13.95	-7.09	-6.37	-6.81	-8.61	-8.61	-8.61	-6.20	-7.4980	3.96
Debt/EBITDA		9.26	14.23	16.69	26.45	26.45	32.06	32.06	1.02	23.18	17.64
Netdebt/Ebitda	6.38	5.8	10.23	15.62	25.42	31.14	31.14	31.14	0.86	22.71	24.94
Debt/Ratio		0.582	0.647	0.7022	0.7645	0.7778	0.7778	0.7778	0.24	0.7339	3.75
Debt/Equity		2.67	2.98	3.37	4.03	4.17	1.89	1.89	239.18	3.29	-8.70
Debt/Net Income		15.54	24.33	27.87	30.15	29.58	29.58	29.58	12.31	28.30	3.99
Бета					0.3314	0.7025	1.41	1.41	1.82	0.8146	62.04
Индекс Альтмана					1.31	1.12	1.11	1.11	1.07	1.18	-5.37

	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	107.33	36.12	14.44	21.06	18.36	25.54	18.73		29.43	19.63	5.34
P/BV	3.32	2.21	0.9591	2.8	2.92	2.61	2.15		3.11	2.29	17.52
P/S	28.3	11.15	3.99	4.79	4.14	6.95	4.81		12.16	4.94	3.81
EV/EBITDA		32.76	32.81	44.08					25.28	36.55	10.40
EV/S					39.8	75.01	38.16		8.38	50.99	-1.39
Netdebt/Ebitda	67.53	32.45	89.1	107.89					0.86	74.24	12.43
Debt/Ratio				0.7646		0.7778			0.24	0.7712	0.86
Debt/Equity				4.03		4.17			239.18	4.10	1.72
Debt/Net Income						107.06			12.31	107.06	0.00
Бета								1.41	1.82	1.41	0.00
Индекс Альтмана								1.11	1.07	1.11	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1989	0.1038	0.2449	0.7693	0.000465	0.1945	0.2655		0.2655		0.2949	1.63
Дивиденд	1.5	3.66	5.6	6	1.5	3.55	4.85	1.51	1.51		3.48	-24.11
Див доход, ао, %	0.2385	0.6395	0.9046	0.7546	0.184	0.5939	1.99	1.91	1.55	1.40	1.09	20.41
Дивиденды / прибыль, %	29.02	9.95	15.95	42.75	0.0322	9.46	9.57	10.58	10.58	17.81	14.48	-24.37

	2018Q2	2018Q4	2019Q2	2019Q4	2020Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	2.16	1.5	3.6	2	6	1.5	1.25	1.75	1.8	1.85		1.63	4.28
Див доход, ао, %	0.3599	0.2919	0.6223	0.2685	0.6507	0.1882	0.2173	0.2744	0.2232	0.2261	1.40	0.2258	3.74

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1154	1154	0.00

	CAGR 5

	CAGR 5