MAS Financial Services Limited (MASFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹57.8B
Fair value as of: Jul 3, 2026
From 17 valuation models · updated today
Share price +5.0% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹276.74 – ₹343.79 · fair‑value band ₹199.46 – ₹332.44 · the ₹318.70 price screens above the ₹265.95 fair value. As of Jul 3, 2026.
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MAS Financial Services Limited (MASFIN) currently trades at ₹318.70, while our model-based Fair Value estimate is ₹265.95 — implying the stock looks roughly 16.6% overvalued today. We read business quality at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, MAS Financial Services Limited generated revenue of ₹9.2B at a net margin of 40.5%. Revenue declined 4.6% year over year. It earns a return on equity of 13.2%. Net debt stands at ₹101B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro-enterprises, small and medium businesses, two-wheeler, commercial vehicle, used vehicle loans, and salaried personal loans, tractor, and housing loans. It serves through a distribution network of partner microfinance institutions, non-banking finance companies, housing finance companies, and franchisees. MAS Financial Services Limited was incorporated in 1995 and is based in Ahmedabad, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
MAS Financial Services Limited reported revenue of ₹17.6B in FY2026 versus ₹5.7B in FY2022, a compound +32.8%/yr. Reported net income was ₹3.7B in FY2026, compounding +23.6%/yr from FY2022.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
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| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated M4I | €425.90 | €272.71 | -36% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹962.40 | ₹397.61 | -59% |
| PayPal Holdings PYPL34 | R$11.10 | R$3.93 | -65% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.