MAS Financial Services Limited
MAS Financial Services Limited Fundamental Analysis
MAS Financial Services Limited (MASFIN.BO) shows moderate financial fundamentals with a PE ratio of 16.74, profit margin of 19.74%, and ROE of 13.44%. The company generates $18.8B in annual revenue with strong year-over-year growth of 25.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -26.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MASFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakMASFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentMASFIN.BO trades at attractive valuation levels.
Growth Score
ExcellentMASFIN.BO delivers strong and consistent growth momentum.
Financial Health Score
ModerateMASFIN.BO shows balanced financial health with some risks.
Profitability Score
WeakMASFIN.BO struggles to sustain strong margins.
Key Financial Metrics
Is MASFIN.BO Expensive or Cheap?
P/E Ratio
MASFIN.BO trades at 16.74 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, MASFIN.BO's PEG of 0.95 indicates potential undervaluation.
Price to Book
The market values MAS Financial Services Limited at 2.09 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -6.74 times EBITDA. This is generally considered low.
How Well Does MASFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, MAS Financial Services Limited keeps $19.74 as profit after all expenses.
Operating Margin
Core operations generate 30.18 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.44 in profit for every $100 of shareholder equity.
ROA
MAS Financial Services Limited generates $2.70 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MAS Financial Services Limited generates limited operating cash flow of $-10.04B, signaling weaker underlying cash strength.
Free Cash Flow
MAS Financial Services Limited generates weak or negative free cash flow of $-10.30B, restricting financial flexibility.
FCF Per Share
Each share generates $-56.77 in free cash annually.
FCF Yield
MASFIN.BO converts -16.54% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.74
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.95
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.31
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.47
vs 25 benchmark
Current Ratio
Current assets to current liabilities
213.38
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How MASFIN.BO Stacks Against Its Sector Peers
| Metric | MASFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.74 | 18.94 | Better (Cheaper) |
| ROE | 13.44% | 808.00% | Weak |
| Net Margin | 19.74% | 823.00% | Weak |
| Debt/Equity | 3.47 | 0.90 | Weak (High Leverage) |
| Current Ratio | 213.38 | 624.45 | Strong Liquidity |
| ROA | 2.70% | -20476.00% (disorted) | Weak |
MASFIN.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MAS Financial Services Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
103.41%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
71.24%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-633.18%
Industry Style: Value, Dividend, Cyclical
Declining