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Financial Services | Small Cap
Health Score : 9.04MAS Financial Services Ltd demonstrates exceptional financial health, driven by outstanding performance in growth, profitability, and solvency. The company is expanding its business, profits, and asset base at a remarkable rate, indicating strong market demand and effective strategy. According to the data, it operates with no debt, which gives it a uniquely strong and low-risk financial foundation, making it very stable. Profitability is a key strength, with the company being highly effective at generating returns from the capital invested in it. While its ability to cover short-term bills is excellent, its core operations currently use more cash than they generate, a common trait for rapidly growing lenders. The future outlook appears very positive, supported by robust growth and high profitability. The main risk factor is related to managing cash flow during its aggressive expansion.
Health Score : 9.04MAS Financial Services Ltd demonstrates exceptional financial health, driven by outstanding performance in growth, profitability, and solvency. The company is expanding its business, profits, and asset base at a remarkable rate, indicating strong market demand and effective strategy. According to the data, it operates with no debt, which gives it a uniquely strong and low-risk financial foundation, making it very stable. Profitability is a key strength, with the company being highly effective at generating returns from the capital invested in it. While its ability to cover short-term bills is excellent, its core operations currently use more cash than they generate, a common trait for rapidly growing lenders. The future outlook appears very positive, supported by robust growth and high profitability. The main risk factor is related to managing cash flow during its aggressive expansion.
Overall Valuation Score
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Price Movement Indicator
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P/E RATIO (TTM)
15.19
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
14.88
P/B RATIO
1.86
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
2.78
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.71
EV/EBITDA RATIO
10.47
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹304.5 as on Sep 1, 2026.
Growth Score : 10.00The company exhibits a perfect growth profile, with outstanding performance across all key growth metrics. It is rapidly increasing its revenues, operating profits, and overall net income. This strong performance is also translating into excellent growth in earnings for its shareholders and a fast-expanding asset base, which for a finance company means a growing loan portfolio. This comprehensive and robust growth indicates strong market acceptance and a highly effective expansion strategy.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 10.05 | 42.03 | 31.53 | 23.89 | 24.92 |
| Operating Profit Growth Rate | 10.1 | 25.23 | 25.27 | 23.98 | 20.28 |
| Earnings Per Share (EPS) Growth | 10.34 | 27.6 | 23.57 | 11.76 | 19.58 |
| Asset Growth Rate | 16.19 | 27.04 | 19.11 | 27.78 | 12.69 |
| Net Income Growth Rate | 10.27 | 27.95 | 23.3 | 23.62 | 19.75 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | MAS Financial Services Ltd | 9.04 | 14.88 | Overvalued | 510.00 | 20.04 | 376.00 |
| 2 | Paisalo Digital Ltd | 8.59 | 25.70 | Highly Overvalued | 331.00 | 2.58 | 237.00 |
| 3 | Northern Arc Capital Ltd | 8.36 | 11.92 | Neutral | 544.00 | 26.55 | 404.00 |
| 4 | Fedbank Financial Services Ltd | 6.83 | 17.02 | Neutral | 512.00 | 9.17 | 344.00 |
| 5 | Nalwa Sons Investments Ltd | 6.75 | 53.67 | Neutral | 76.00 | 90.24 | 57.00 |
| 6 | Indostar Capital Finance Ltd | 5.57 | 29.01 | Neutral | -848.00 | 8.06 | 140.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤29th Apr 26
Audited Standalone Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤5th Feb 26
Q3 FY26 Earnings Conference Call
BULLISH SENTIMENT
No Stock News Available at This Moment.
MAS Financial Services Ltd. is a prominent Non-Banking Financial Company (NBFC) in India, primarily focusing on providing financial services to the underserved segments of society. It specializes in offering a diverse portfolio of loan products, including financing for Micro, Small, and Medium Enterprises (MSMEs), two-wheelers, affordable housing, and micro enterprises. The company operates with a strong distribution network across multiple states.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. MAS Financial Services Ltd's P/E ratio (TTM) is 15.19, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. MAS Financial Services Ltd's P/B ratio is 1.86, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. MAS Financial Services Ltd's P/S ratio is 2.78, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. MAS Financial Services Ltd's PEG ratio is 0.71.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. MAS Financial Services Ltd's EV/EBITDA ratio is 10.47.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. MAS Financial Services Ltd's ROE is 12.64%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. MAS Financial Services Ltd's ROA is 3.71%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. MAS Financial Services Ltd's ROCE is 47.48%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. MAS Financial Services Ltd's operating margin is 25.56%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. MAS Financial Services Ltd's net margin is 18.85%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. MAS Financial Services Ltd's current ratio is 27.63.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. MAS Financial Services Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. MAS Financial Services Ltd's interest coverage ratio is 1.56.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. MAS Financial Services Ltd's DPS is ₹2.05.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. MAS Financial Services Ltd's EPS is 19.58.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹304.50. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1995 (as MAS Financial Services Limited)
Headquarters: Ahmedabad, Gujarat
Core Offerings: SME Loans, Micro Enterprise Loans, Two-Wheeler Loans, Affordable Housing Loans
Stock Listing: NSE (MASFIN), BSE (540749)
Promoter: Kamlesh Chandra Gandhi & Family
1995: Incorporated as 'MAS Financial Services Private Limited'.
2006: Converted into a public limited company.
2010 onwards: Expanded operations significantly, diversifying its loan portfolio.
2017: Successfully completed its Initial Public Offering (IPO) and listed on NSE and BSE.
Present: Established as a leading NBFC focusing on financially underserved segments across India.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| SME Loans | 40-45% (approx) | Operating Profit |
| Micro Enterprise Loans | 30-35% (approx) | Operating Profit |
| Two-Wheeler Loans | 10-15% (approx) | Operating Profit |
| Affordable Housing Loans | 5-10% (approx) | Operating Profit |
SME Loans: Provides secured and unsecured loans to Micro, Small, and Medium Enterprises (MSMEs) for various business needs such as working capital, asset purchase, and expansion, typically targeting established but underbanked businesses.
Micro Enterprise Loans: Focuses on small income-generating businesses, including daily wage earners and small traders, providing financing for working capital and business growth, predominantly to customers in semi-urban and rural areas.
Two-Wheeler Loans: Offers financing solutions for the purchase of new and used two-wheelers, catering to individual customers across diverse geographies, facilitating mobility and economic activity.
Affordable Housing Loans: Provides home loans to self-employed and salaried individuals in the affordable housing segment, making homeownership accessible to a wider section of the population.
Kamlesh Chandra Gandhi: Chairman & Managing Director. A visionary leader with over three decades of experience, he co-founded the company and has been instrumental in its strategic direction and growth. Darshana Pandya: Whole-time Director & CEO. With over 25 years of experience in the financial sector, she spearheads the company's operational excellence and business expansion initiatives.
No major recent corporate actions on record.
The MAS Financial Services Ltd share price today is ₹304.50 on NSE (MASFIN), as of 28 Sept 2026.
As of 28 Sept 2026, MAS Financial Services Ltd share price is ₹304.50, with previous close ₹304.50. Today's range is ₹304.50 to ₹304.50. The 52-week range is ₹275 to ₹358.85.
As of today, MAS Financial Services Ltd's market cap is ₹5,541.9 crore (Mid Cap).
MAS Financial Services Ltd's current P/E ratio is 15.19, compared to the BANKING AND FINANCE sector average of 26.50.
MAS Financial Services Ltd's current P/B ratio is 1.86.
MAS Financial Services Ltd's current dividend yield is 0.67%. Last dividend of ₹3.00 per share was declared on 16-Feb-2024.
MAS Financial Services Ltd's EPS (TTM) is ₹19.58.
MAS Financial Services Ltd. is a prominent Non-Banking Financial Company (NBFC) in India, primarily focusing on providing financial services to the underserved segments of society. It specializes in offering a diverse portfolio of loan products, including financing for Micro, Small, and Medium Enterprises (MSMEs), two-wheelers, affordable housing, and micro enterprises. The company operates with a strong distribution network across multiple states.
MAS Financial Services Ltd is promoted by Kamlesh Chandra Gandhi & Family, holding 66.65% as of 28 Sept 2026.
MAS Financial Services Ltd is listed on NSE (MASFIN) and BSE (540749). Its next quarterly results are expected on July/August 2024 (Q1 FY25).