M

MAS Financial Services Limited

MASFINNSE
Market snapshot · 2026-08-11 07:14 UTC

299.80

₹-0.85 (-0.28%)

MARKET CAP

₹5.44K Cr

STOCK P/E

13.8x

52W HIGH

₹358.85

52W LOW

₹277.35

BOOK VALUE

₹164.11

EPS

₹21.72

ROE

SECTOR

Industrials

GROSS NPA

2.58%

VOLUME

57,228

P/B RATIO

1.83x

NET NPA

1.70%

Sector

Industrials

Themes

Construction & Engineering
D
Dividend
E
Earnings
₹346.75₹333.11₹319.48₹305.84₹292.20VolumeDEEDEEAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 1.3% above historical median. Valuation is stable — currently in the fair zone (z-score: +0.25). Confidence: 92%.

Live forward EPS implies next-12-month EPS of ₹32.10. Applying the stock's normalized valuation corridor produces a fair range of ₹415.05 to ₹456.46, with base value near ₹437.20 (+45.8% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹32.10

Forward P/E

9.3x

Base Fair Value

₹437.20

Fair Range

₹415.05 - ₹456.46

Upside To Base

+45.8%

Estimate Source

Live forward EPS

Growth Estimate

+24.1%

P/B
Strongly Undervalued

5Y Average

2.06

Current

1.83

Overvalued

2.36

Undervalued

1.75

P/E
Fair

5Y Average

12.35

Current

13.80

Overvalued

14.22

Undervalued

12.93

P/S
Overvalued

5Y Average

5.00

Current

5.59

Overvalued

5.75

Undervalued

4.25

Peers & Comparison

Sector: Industrials · Theme: Construction & Engineering

Construction & Engineering Peers8 peers
Avg P/E: 34.1x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
NCC LIMITED
NCCConstruction & Engineering
+1.7%3.2%
13.5x
Undervalued
-60% vs avg
-34.3%
CEIGALL INDIA LIMITED
CEIGALLConstruction & Engineering
+37.1%7.8%
18.9x
Undervalued
-45% vs avg
+30.0%
AHLUWALIA CONT IND LTD
AHLUCONTConstruction & Engineering
+8.8%5.8%
20.7x
Undervalued
-39% vs avg
-12.7%
BALU FORGE INDUSTRIES LTD
BALUFORGEConstruction & Engineering
-2.3%23.4%
19.3x
Undervalued
-43% vs avg
-20.5%
AJAX ENGINEERING LIMITED
AJAXENGGConstruction & Engineering
+1.7%10.8%
28.9x
Fair
-15% vs avg
-20.9%
AFCONS INFRASTRUCTURE LTD
AFCONSConstruction & Engineering
-19.1%1.3%
39.8x
Premium
+17% vs avg
-37.8%
AXISCADES TECH LTD
AXISCADESConstruction & Engineering
+1.5%6.2%
96.1x
Premium
+182% vs avg
+28.6%
CEMINDIA PROJECTS LIMITED
CEMPROConstruction & Engineering
+7.0%5.9%
36.0x
Fair
+6% vs avg
+59.2%
WHY THESE PEERS

MAS FINANCIAL SERV LTD trades at a discount (13.8x vs peer avg 34.1x), suggesting potential undervaluation relative to the Construction & Engineering cohort. Peers include NCC LIMITED, CEIGALL INDIA LIMITED, AHLUWALIA CONT IND LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹531 CrJun 2026

Latest net profit

₹105 CrJun 2026

Free cash flow

₹-1.76K CrMar 2026

Net Profit

₹105 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr150 Cr300 Cr450 Cr600 Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOtheradjustmentsProfitbefore taxTax &minorityNet Profit0.00 Cr150 Cr300 Cr450 Cr600 Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-4.50K Cr0.00 Cr4.50K Cr9.00K Cr13.50K Cr
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +279294320329346365390417443456481514531
Interest143146164162172175185191206212219222222
Expenses +61697377808899116124125134160166
Financing Profit7579839195101106111114119129133143
Financing Margin %27%27%26%28%27%28%27%26%26%26%27%26%27%
Other Income +2221120-003-42-1
Depreciation1111111112222
Profit before tax7680859194102105109112120123133140
Tax %24%25%26%25%25%25%26%26%25%25%27%25%25%
Net Profit +5760626870777881849090100105
EPS in Rs3.493.663.814.153.884.224.304.454.624.944.985.505.76
Gross NPA %2.13%2.23%2.25%2.29%2.41%2.44%2.49%2.53%2.56%2.57%2.58%
Net NPA %1.47%1.48%1.51%1.52%1.62%1.62%1.63%1.69%1.72%1.70%1.70%
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderJun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters +66.63%66.63%66.63%66.66%66.66%
FIIs +3.07%3.18%3.13%3.46%3.69%
DIIs +19.99%20.15%20.23%20.04%19.68%
Public +10.32%10.04%10.01%9.86%9.97%
Jun 2026
Promoters +
FIIs +
DIIs +
Public +

Events Timeline

Announcement under Regulation 30 (LODR)-Newspaper Publication

Aug 10, 2026PDFCompany Reports Open

Letter To Shareholders

Aug 07, 2026PDFCompany Reports Open

Shareholder''s Meeting - Annual General Meeting On September 2, 2026

Aug 07, 2026PDFCompany Reports Open

Business Responsibility and Sustainability Reporting (BRSR)

Aug 07, 2026PDFCompany Reports Open

Reg. 34 (1) Annual Report.

Aug 07, 2026PDFCompany Reports Open