Max Financial Services Ltd
MFSL
Finance
₹ 1,587
Price
₹ 54,737
Market Cap
Large Cap
201.44
P/E Ratio
📊 Score Snapshot
10.0 / 25
Performance
20.13 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
37.13 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 22.47 | -1.19 | 35.32 | 7.75 | 39.68 | -19.29 | 134.33 | 110.93 |
| Adj Cash PAT | 850.97 | 11.97 | 1,291 | 332.01 | 1,503 | -392.00 | 3,776 | 3,129 |
| Adj Cash PAT To PAT | 2.13 | 0.03 | 2.86 | 1.04 | 2.68 | -1.44 | 9.08 | 7.08 |
| Adj Cash PE | 50.62 | - | 17.98 | 99.95 | 22.17 | - | 3.26 | 4.07 |
| Adj EPS | 9.39 | 9.85 | 10.97 | 7.34 | 12.33 | 5.38 | 9.75 | 10.67 |
| Adj Number Of Shares | 34.49 | 34.52 | 34.46 | 34.47 | 34.47 | 26.95 | 26.97 | 26.80 |
| Adj PE | 120.44 | 102.86 | 57.89 | 105.48 | 71.39 | 62.28 | 44.99 | 42.35 |
| Adj Peg | - | - | 1.17 | - | 0.55 | - | - | - |
| Bvps | 185.68 | 126.59 | 115.18 | 130.11 | 104.58 | 104.60 | 105.04 | 97.13 |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - |
| Cash Revenue | 46,301 | 46,339 | 31,391 | 31,117 | 31,487 | 18,051 | 22,722 | 16,254 |
| Cash Revenue To Revenue | 1.00 | 0.99 | 1.00 | 1.00 | 1.01 | 0.99 | 1.16 | 0.99 |
| Dio | - | - | - | - | - | - | - | - |
| Dpo | - | - | - | - | - | - | - | - |
| Dso | - | - | - | - | - | - | - | - |
| Dividend Yield | - | - | - | - | - | - | - | - |
| Fcfe | 637.97 | -206.03 | 281.00 | 704.01 | 1,426 | -504.00 | 3,680 | 3,083 |
| Fcfe Margin | 1.38 | -0.44 | 0.90 | 2.26 | 4.53 | -2.79 | 16.20 | 18.97 |
| Fcfe To Adj PAT | 1.60 | -0.52 | 0.62 | 2.21 | 2.55 | -1.85 | 8.85 | 6.98 |
| Market Cap | 39,379 | 34,969 | 21,882 | 26,687 | 30,332 | 9,031 | 11,825 | 12,110 |
| PB | 6.15 | 8.00 | 5.51 | 5.95 | 8.41 | 3.20 | 4.17 | 4.65 |
| PE | 120.44 | 102.84 | 57.89 | 105.48 | 71.37 | 62.29 | 44.97 | 42.35 |
| Peg | - | - | 1.17 | - | 0.55 | - | - | - |
| PS | 0.85 | 0.75 | 0.70 | 0.86 | 0.97 | 0.50 | 0.61 | 0.74 |
| ROE | 7.42 | 9.42 | 10.69 | 7.86 | 17.43 | 9.66 | 15.30 | 15.55 |
| Share Price | 1,142 | 1,013 | 635.00 | 774.20 | 879.95 | 335.10 | 438.45 | 451.85 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 9,792 | 12,822 | 12,376 | 8,923 | 13,372 | 11,799 | 14,888 | 12,356 | 10,165 | 9,168 | 9,929 | 8,896 | 9,316 | 3,272 |
| Interest | 21.12 | 20.00 | 15.00 | 10.00 | 13.00 | 9.00 | 11.00 | 14.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| Expenses - | 9,771 | 12,703 | 12,356 | 8,834 | 13,201 | 11,608 | 14,945 | 12,146 | 10,021 | 9,043 | 9,865 | 8,573 | 9,238 | 3,185 |
| Other Income - | 7.03 | 3.25 | 20.32 | 3.12 | 3.73 | 2.17 | 9.68 | 3.52 | 24.52 | 3.34 | 4.86 | 2.83 | 6.50 | 4.20 |
| Exceptional Items | -0.04 | -0.53 | -1.95 | -0.19 | - | -0.71 | -0.12 | - | - | - | - | - | - | - |
| Depreciation | 0.62 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Profit Before Tax | 6.26 | 101.00 | 22.00 | 81.00 | 162.00 | 182.00 | -59.00 | 198.00 | 158.00 | 118.00 | 58.00 | 315.00 | 74.00 | 80.00 |
| Tax % | 6.23 | 14.85 | -72.73 | 13.58 | 14.20 | 14.29 | 15.25 | 13.64 | -7.59 | 14.41 | 10.34 | 14.60 | 16.22 | 15.00 |
| Net Profit - | 5.87 | 86.00 | 38.00 | 70.00 | 139.00 | 156.00 | -50.00 | 171.00 | 170.00 | 101.00 | 52.00 | 269.00 | 62.00 | 68.00 |
| Minority Share | -2.00 | -17.00 | -7.00 | -14.00 | -27.00 | -29.00 | 6.00 | -23.00 | -22.00 | -13.00 | -7.00 | -44.00 | -10.00 | -12.00 |
| Exceptional Items At | - | -1.00 | -2.00 | - | - | -1.00 | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 6.00 | 87.00 | 40.00 | 70.00 | 139.00 | 157.00 | -50.00 | 171.00 | 170.00 | 101.00 | 52.00 | 269.00 | 62.00 | 68.00 |
| Profit For PE | 4.00 | 70.00 | 33.00 | 56.00 | 113.00 | 128.00 | -44.00 | 149.00 | 148.00 | 88.00 | 46.00 | 225.00 | 51.00 | 56.00 |
| Profit For EPS | 4.00 | 70.00 | 31.00 | 56.00 | 113.00 | 127.00 | -44.00 | 149.00 | 148.00 | 88.00 | 46.00 | 225.00 | 51.00 | 56.00 |
| EPS In Rs | 0.12 | 2.02 | 0.91 | 1.62 | 3.26 | 3.69 | -1.28 | 4.30 | 4.29 | 2.54 | 1.33 | 6.52 | 1.49 | 1.63 |
| PAT Margin % | 0.06 | 0.67 | 0.31 | 0.78 | 1.04 | 1.32 | -0.34 | 1.38 | 1.67 | 1.10 | 0.52 | 3.02 | 0.67 | 2.08 |
| PBT Margin | 0.06 | 0.79 | 0.18 | 0.91 | 1.21 | 1.54 | -0.40 | 1.60 | 1.55 | 1.29 | 0.58 | 3.54 | 0.79 | 2.44 |
| Tax | 0.39 | 15.00 | -16.00 | 11.00 | 23.00 | 26.00 | -9.00 | 27.00 | -12.00 | 17.00 | 6.00 | 46.00 | 12.00 | 12.00 |
| Yoy Profit Growth % | -96.00 | -45.00 | 175.00 | -62.00 | -24.00 | 46.00 | -196.00 | -34.00 | 188.00 | 56.00 | -61.00 | 200.00 | 29.00 | 166.00 |
| Adj PAT | 5.83 | 85.55 | 34.63 | 69.84 | 139.00 | 155.39 | -50.10 | 171.00 | 170.00 | 101.00 | 52.00 | 269.00 | 62.00 | 68.00 |
| Adj PAT Margin | 0.06 | 0.67 | 0.28 | 0.78 | 1.04 | 1.32 | -0.34 | 1.38 | 1.67 | 1.10 | 0.52 | 3.02 | 0.67 | 2.08 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 46,469 | 46,580 | 31,415 | 31,182 | 31,275 | 18,240 | 19,510 | 16,338 | 15,247 | 11,710 | 14,907 | 11,619 |
| Interest | 47.00 | 44.00 | 37.00 | 25.00 | - | - | 27.00 | - | 9.00 | 8.00 | 82.00 | 93.00 |
| Expenses - | 45,997 | 46,157 | 30,862 | 30,769 | 30,689 | 17,788 | 19,003 | 15,807 | 14,476 | 11,179 | 14,188 | 11,167 |
| Other Income - | 28.33 | 37.90 | 15.56 | 5.79 | 13.50 | 1.78 | 2.94 | 0.98 | 1.42 | 1.95 | 30.93 | 56.08 |
| Exceptional Items | -3.36 | -0.03 | - | 0.01 | -0.11 | - | -0.18 | -0.06 | 0.56 | 0.03 | -0.87 | -2.34 |
| Depreciation | 3.00 | 3.00 | 5.00 | 5.00 | 5.00 | 11.00 | 2.00 | 2.00 | 63.00 | 60.00 | 154.00 | 138.00 |
| Profit Before Tax | 447.00 | 415.00 | 527.00 | 389.00 | 593.00 | 442.00 | 481.00 | 530.00 | 702.00 | 465.00 | 512.00 | 274.00 |
| Tax % | 9.84 | 5.30 | 14.23 | 18.25 | 5.56 | 38.24 | 13.51 | 16.60 | 15.53 | 15.48 | 28.71 | 23.72 |
| Net Profit - | 403.00 | 393.00 | 452.00 | 318.00 | 560.00 | 273.00 | 416.00 | 442.00 | 593.00 | 393.00 | 365.00 | 209.00 |
| Minority Share | -76.00 | -52.00 | -73.00 | -65.00 | -134.00 | -128.00 | -154.00 | -155.00 | -198.00 | -140.00 | -85.00 | -70.00 |
| Exceptional Items At | -3.00 | - | - | - | - | - | - | - | - | - | -1.00 | -2.00 |
| Profit Excl Exceptional | 407.00 | 393.00 | 452.00 | 318.00 | 560.00 | 273.00 | 417.00 | 442.00 | 593.00 | 393.00 | 366.00 | 211.00 |
| Profit For PE | 330.00 | 340.00 | 378.00 | 253.00 | 425.00 | 145.00 | 263.00 | 286.00 | 395.00 | 253.00 | 280.00 | 141.00 |
| Profit For EPS | 327.00 | 340.00 | 378.00 | 253.00 | 425.00 | 145.00 | 263.00 | 286.00 | 395.00 | 253.00 | 280.00 | 139.00 |
| EPS In Rs | 9.48 | 9.85 | 10.97 | 7.34 | 12.33 | 5.38 | 9.75 | 10.67 | 14.79 | 9.47 | 10.49 | 5.24 |
| Dividend Payout % | - | - | - | - | - | - | - | - | - | 38.00 | 48.00 | 69.00 |
| PAT Margin % | 0.87 | 0.84 | 1.44 | 1.02 | 1.79 | 1.50 | 2.13 | 2.71 | 3.89 | 3.36 | 2.45 | 1.80 |
| PBT Margin | 0.96 | 0.89 | 1.68 | 1.25 | 1.90 | 2.42 | 2.47 | 3.24 | 4.60 | 3.97 | 3.43 | 2.36 |
| Tax | 44.00 | 22.00 | 75.00 | 71.00 | 33.00 | 169.00 | 65.00 | 88.00 | 109.00 | 72.00 | 147.00 | 65.00 |
| Adj PAT | 399.97 | 392.97 | 452.00 | 318.01 | 559.90 | 273.00 | 415.84 | 441.95 | 593.47 | 393.03 | 364.38 | 207.22 |
| Adj PAT Margin | 0.86 | 0.84 | 1.44 | 1.02 | 1.79 | 1.50 | 2.13 | 2.71 | 3.89 | 3.36 | 2.44 | 1.78 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | - | 12.00 | - | 13.00 | 14.00 | 18.00 | 15.00 | 4.00 |
| Advance From Customers | - | - | - | 28.00 | - | 28.00 | - | - | - | - |
| Average Total Assets | 189,832 | 176,385 | 162,814 | 147,298 | - | 124,786 | 107,902 | 86,292 | 70,841 | 61,499 |
| Average Total Equity | 6,362 | 5,387 | 5,256 | 4,170 | - | 4,227 | 4,045 | 3,212 | 2,826 | 2,718 |
| Cwip | - | - | - | - | - | - | - | - | - | - |
| Cash Equivalents | 570.00 | 1,123 | 516.00 | 906.00 | 703.00 | 1,178 | 600.00 | 508.00 | 449.00 | 508.00 |
| Fixed Assets | 608.00 | 610.00 | 611.00 | 612.00 | 613.00 | 614.00 | 616.00 | 639.00 | 641.00 | 556.00 |
| Gross Block | - | - | - | 625.00 | - | 627.00 | 630.00 | 656.00 | 655.00 | 559.00 |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Investments | 10,174 | 9,135 | 7,613 | 153,010 | 5,036 | 123,355 | 109,794 | 91,766 | 68,566 | 63,245 |
| Lease Liabilities | - | 1.00 | 1.00 | - | 1.00 | - | - | - | 3.00 | - |
| Loans N Advances | - | - | - | 99.00 | - | 68.00 | 55.00 | 47.00 | 67.00 | 20.00 |
| Long Term Borrowings | 1,829 | 1,025 | 502.00 | - | 502.00 | - | - | - | - | - |
| Net Debt | -8,915 | -9,232 | -7,625 | -153,393 | -5,236 | -124,010 | -109,872 | -92,271 | -69,012 | -63,753 |
| Non Controlling Interest | 1,148 | 1,129 | 1,104 | 504.00 | 487.00 | 450.00 | 550.00 | 262.00 | 672.00 | 774.00 |
| Other Asset Items | 185,519 | 179,130 | 174,052 | 8,143 | 136,484 | 6,608 | 6,682 | 5,094 | 4,801 | 2,821 |
| Other Borrowings | - | - | - | 523.00 | - | 523.00 | 522.00 | 3.00 | - | - |
| Other Liability Items | 188,085 | 180,753 | 174,693 | 156,391 | 138,078 | 125,604 | 112,704 | 94,408 | 71,682 | 64,296 |
| Reserves | 5,235 | 5,206 | 5,100 | 3,797 | 3,683 | 3,450 | 3,866 | 3,274 | 2,093 | 2,005 |
| Share Capital | 69.00 | 69.00 | 69.00 | 69.00 | 69.00 | 69.00 | 69.00 | 69.00 | 54.00 | 54.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | - |
| Short Term Loans And Advances | - | - | - | 6.00 | - | 7.00 | - | - | - | - |
| Total Assets | 196,872 | 189,999 | 182,791 | 162,771 | 142,837 | 131,824 | 117,747 | 98,057 | 74,526 | 67,156 |
| Total Borrowings | 1,829 | 1,026 | 504.00 | 523.00 | 503.00 | 523.00 | 522.00 | 3.00 | 3.00 | - |
| Total Equity | 6,452 | 6,404 | 6,273 | 4,370 | 4,239 | 3,969 | 4,485 | 3,605 | 2,819 | 2,833 |
| Total Equity And Liabilities | 196,872 | 189,999 | 182,791 | 162,771 | 142,837 | 131,824 | 117,747 | 98,057 | 74,526 | 67,156 |
| Total Liabilities | 190,420 | 183,595 | 176,518 | 158,401 | 138,598 | 127,855 | 113,262 | 94,452 | 71,707 | 64,323 |
| Trade Payables | 506.00 | 1,816 | 1,322 | 1,461 | 17.00 | 1,700 | 36.00 | 40.00 | 23.00 | 28.00 |
| Trade Receivables | - | - | - | - | - | - | - | 3.00 | 3.00 | 6.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 1,961 | -117.00 | -233.00 | 388.00 | -92.00 | -383.00 | -174.00 | -116.00 |
| Cash From Investing Activity | -9,703 | -5,004 | -11,555 | -8,835 | -6,852 | -4,991 | -8,789 | -6,951 |
| Cash From Operating Activity | 8,352 | 6,107 | 9,922 | 8,496 | 6,892 | 5,452 | 8,826 | 7,534 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | -843.00 | - | - | - | - | - |
| Cash Paid For Loan Advances | - | - | - | - | - | - | 1.00 | - |
| Cash Paid For Purchase Of Fixed Assets | -218.00 | -223.00 | -174.00 | -128.00 | -83.00 | -123.00 | -100.00 | -49.00 |
| Cash Paid For Purchase Of Investments | -124,398 | -113,956 | -119,310 | -1,340,478 | -1,002,840 | -706,850 | -743,859 | -521,881 |
| Cash Paid For Redemption Of Debentures | - | - | - | -2.00 | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | - | - | - | - | - | - | - | - |
| Cash Received From Issue Of Debentures | - | - | - | 496.00 | - | - | - | - |
| Cash Received From Issue Of Shares | 1,631 | 7.00 | - | 1.00 | - | 3.00 | 24.00 | 28.00 |
| Cash Received From Sale Of Fixed Assets | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | - | 2.00 | 1.00 |
| Cash Received From Sale Of Investments | 106,015 | 101,524 | 102,420 | 1,326,450 | 991,491 | 697,940 | 735,272 | 515,067 |
| Change In Inventory | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | 263.00 | 52.00 | 556.00 | -148.00 | 327.00 | -319.00 | 62.00 | 2,926 |
| Change In Payables | 356.00 | -192.00 | 307.00 | 227.00 | 404.00 | -157.00 | 86.00 | -154.00 |
| Change In Receivables | -168.00 | -241.00 | -24.00 | -65.00 | 212.00 | -189.00 | 3,212 | -84.00 |
| Change In Working Capital | 451.00 | -381.00 | 839.00 | 14.00 | 943.00 | -665.00 | 3,360 | 2,687 |
| Direct Taxes Paid | -6.00 | -13.00 | -95.00 | -70.00 | -138.00 | -64.00 | -71.00 | -89.00 |
| Dividends Paid | - | - | - | -32.00 | -14.00 | -311.00 | -198.00 | -144.00 |
| Dividends Received | - | - | - | - | - | - | - | - |
| Interest Paid | -37.00 | -37.00 | -37.00 | - | - | - | - | - |
| Interest Received | 9,067 | 7,778 | 6,513 | 5,484 | 4,685 | 4,002 | - | - |
| Net Cash Flow | 610.00 | 986.00 | -1,866 | 48.00 | -51.00 | 78.00 | -137.00 | 466.00 |
| Other Cash Financing Items Paid | 368.00 | -87.00 | -196.00 | -75.00 | -78.00 | -75.00 | - | - |
| Other Cash Investing Items Paid | -172.00 | -129.00 | -164.00 | -163.00 | -105.00 | 40.00 | -103.00 | -90.00 |
| Other Cash Operating Items Paid | -6.00 | - | - | - | - | - | - | - |
| Profit From Operations | 7,912 | 6,501 | 9,179 | 8,552 | 6,086 | 6,180 | 5,537 | 4,935 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Mfsl | 2025-09-30 | - | 44.78 | 47.26 | 6.24 | 0.00 |
| Mfsl | 2025-06-30 | - | 44.71 | 47.29 | 6.25 | 0.00 |
| Mfsl | 2025-03-31 | - | 44.75 | 47.29 | 6.21 | 0.00 |
| Mfsl | 2024-12-31 | - | 47.50 | 42.69 | 6.47 | 0.00 |
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