Mukesh Babu Financial Services Ltd.

•

mukeshbabu.comBSE: -NSE: MUKESHB

Market Cap₹ 93 Cr.

Current Price

High / Low₹ 147 / 127

Stock P/E28.4

Book Value₹ 494

Price to Book0.23

Dividend Yield0.90 %

ROCE3.5 %

ROE1.9 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Asset quality is healthy - gross NPA of just 0.0%
Company has consistently been profitable over the last 5 years
Company has a consistent dividend-paying track record

CONS

A large part of profit comes from other income (136.2% of PBT)
Company has a low return on capital employed of 2.9%
Company has a low return on equity of 1.5% over last 3 years
Company's sales have been declining over the last five years
Free cash flow has been persistently negative
Operating margins have contracted to 16.3% from 87.6%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MUKESHB	133.00	28.44	92.71	0.90	1.21	-69.62	3.68	164.68	3.46	74.78

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	3	2	1	1	2	3	1	1	1	3	1	1	4
	1	5	1	1	1	1	1	1	1	1	8	1	2
Operating Profit	5	5	1	-1	4	4	-3	-2	3	1	-2	0	3
OPM %	144.83%	268.02%	182.28%	-99.09%	207.61%	129.47%	-426.87%	-130.07%	216.55%	30.16%	-190.68%	14.71%	74.78%
Other Income	0	0	0	0	0	1	0	0	3	2	6	0	0
Interest	1	1	1	1	1	1	1	1	1	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	4	5	1	-2	4	4	-3	-3	5	1	3	-1	2
Tax %	25.49%	24.34%	28.30%	13.92%	27.02%	27.59%	13.87%	20.52%	22.00%	24.82%	20.21%	12.04%	24.15%
Net Profit	0	0	0	0	3	3	-3	-2	4	1	2	-1	1
	4	5	1	-2	4	4	-4	-3	6	1	3	-1	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	5	10	11	27	38	21	10	17	7	13	9
	1	15	5	23	26	18	2	7	4	11	12
Operating Profit	4	-5	6	5	12	4	8	10	4	2	-3
OPM %	74.67%	-46.86%	54.41%	17.22%	32.39%	16.95%	77.16%	57.10%	50.84%	16.30%	-36.02%
	2	15	9	15	15	1	1	1	1	11	8
Interest	1	1	10	9	13	2	2	2	3	5	5
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	4	9	5	10	14	2	7	8	2	8	5
Tax %	22.57%	11.14%	5.59%	16.84%	4.35%	23.83%	29.92%	27.31%	67.90%	23.25%	24.72%
Net Profit	3	8	5	9	14	2	5	6	1	6	4
EPS	0.00	0.00	0.00	0.00	19.37	2.55	6.84	8.41	1.93	7.45	—
Dividend Payout %	23.48%	10.96%	18.14%	9.60%	6.19%	46.99%	17.16%	14.28%	62.15%	16.11%	—

COMPOUNDED SALES GROWTH

10 Years:: 9%
5 Years:: -20%
3 Years:: 7%

COMPOUNDED PROFIT GROWTH

10 Years:: 4%
5 Years:: -17%
3 Years:: 2%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 4%
5 Years:: 2%
3 Years:: 1%
Last Year:: 2%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	7	7	7	7	7	7	7	7	7	7
Minority Interest	11	11	11	14	18	18	18	18	17	18
	52	59	204	109	167	199	197	277	309	336
	12	10	37	96	28	22	26	30	40	49
Trade Payables	4	2	0	1	5	1	2	4	8	17
	17	16	45	15	30	36	36	57	61	71
Total Liabilities	103	104	304	241	255	283	285	392	442	498
	3	3	3	2	2	2	2	2	2	3
	36	36	81	45	54	73	81	111	144	169
	13	14	154	56	113	141	139	204	211	234
	0	0	0	0	0	0	0	1	1	0
Cash & Bank	11	11	13	15	20	9	10	10	9	10
	40	41	54	122	66	58	53	64	75	81
Total Assets	103	104	304	241	255	283	285	392	442	498

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	9	4	-33	-69	63	4	8	-1	-6	-1
Cash from Investing	0	0	9	15	12	-7	-8	0	-1	-2
Cash from Financing	-8	-2	26	57	-68	-7	3	0	7	3
	-1	-0	2	2	7	-11	1	-0	-0	1

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	62.86	62.86	62.86	62.86	62.86	62.86	62.86	62.86	62.86
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	37.14	37.14	37.14	37.14	37.14	37.14	37.14	37.14	37.14

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

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