Mahindra & Mahindra Financial Services Ltd's Q4FY25 Quarterly Results

Result Summary

• Mahindra & Mahindra Financial Services Ltd reported a 9.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 22.5%.
• Its expenses for the quarter were down by 11.6% QoQ and up 21.8% YoY.
• The net profit decreased 26.9% QoQ and decreased 0.6% YoY.
• The earnings per share (EPS) of Mahindra & Mahindra Financial Services Ltd stood at 5.4 during Q4FY25.

Financial Statments for Q4FY25

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Mahindra & Mahindra Financial Services Ltd. is a prominent player in the financial services industry, primarily engaged in providing a range of financial solutions. The company is a part of the larger Mahindra Group, which is known for its diversified presence across various sectors including automotive, agribusiness, and information technology. Mahindra Finance, as it is commonly known, focuses on offering financing for vehicles, small and medium enterprises, and housing, catering largely to the rural and semi-urban sectors in India. While the company's recent developments are not specified in the provided data, it is known for its strategic initiatives aimed at expanding its customer base and enhancing service offerings.

Revenue

In the fourth quarter of FY25, Mahindra & Mahindra Financial Services Ltd. reported a total income of ₹4332.94 crores. This marks a decrease from the previous quarter (Q3FY25), where the total income was ₹4799.45 crores, reflecting a quarter-over-quarter (QoQ) decline of 9.7%. However, when compared to the same quarter in the previous year (Q4FY24), which recorded a total income of ₹3536.35 crores, there is a notable year-over-year (YoY) increase of 22.5%. These variations highlight changes in the company's revenue generation over different periods.

Profitability

The company's profitability metrics indicate a decrease in the fourth quarter of FY25. The profit before tax (PBT) was ₹880.29 crores, which is a decline from ₹1217.10 crores in the previous quarter, representing a 27.7% QoQ decrease. Compared to the same quarter last year, where PBT was ₹921.47 crores, there is a slight YoY decline of 4.5%. The profit after tax (PAT) for Q4FY25 stood at ₹670.64 crores, down from ₹917.64 crores in Q3FY25, showing a 26.9% QoQ decrease, and a marginal YoY decrease of 0.6% from ₹674.92 crores in Q4FY24. These figures reflect changes in the company's net income after tax obligations.

Operating Metrics

The total expenses for Mahindra & Mahindra Financial Services Ltd. in Q4FY25 were ₹3083.01 crores, which represents a decrease of 11.6% from ₹3486.42 crores in Q3FY25. Year-over-year, there is an increase of 21.8% from ₹2530.83 crores in Q4FY24. The earnings per share (EPS) for Q4FY25 were ₹5.40, reflecting a QoQ decrease of 27.0% from ₹7.40 in Q3FY25, and a YoY decrease of 1.8% from ₹5.50 in Q4FY24. These metrics provide insights into the company's cost management and shareholder returns over the specified periods.