Mukesh Babu Financial Services Ltd.

•

mukeshbabu.comBSE: -NSE: MUKESHB

Market Cap₹ 93 Cr.

Current Price

High / Low₹ 147 / 133

Stock P/E31.9

Book Value₹ 353

Price to Book0.32

Dividend Yield0.90 %

ROCE3.5 %

ROE1.7 %

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 a consistent dividend-paying track record

CONS

Company has a low return on capital employed of 3.5%
Company has a low return on equity of 1.9% over last 3 years
Company's sales have been declining over the last five years
Free cash flow has been persistently negative
Company has delivered a poor profit growth of 1.7% over past five years
Operating margins have contracted to 78.8% from 86.6%

* 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	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MUKESHB	134.00	28.65	93.41	0.90	1.21	-69.62	3.68	164.68	3.46	74.78

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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	2	1	3	1	1	3
	0	5	0	0	0	1	0	1	1	1	1	1	2
Operating Profit	5	5	2	-1	4	4	-0	-2	3	2	3	1	2
OPM %	148.59%	278.49%	205.06%	-79.09%	210.87%	119.54%	-40.54%	-118.00%	242.36%	62.07%	228.00%	118.58%	80.48%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	1	0	1	1	1	0	1	1	1	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	4	4	1	-1	4	3	-1	-3	3	1	2	0	1
Tax %	25.24%	25.35%	26.13%	15.75%	27.37%	29.90%	37.62%	20.30%	27.24%	22.22%	25.77%	31.25%	30.36%
Net Profit	3	3	1	-1	3	2	-1	-2	2	1	1	0	1
	4	5	1	-2	4	3	-1	-3	3	1	2	0	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	5	10	11	28	38	21	10	17	9	13	9
	1	1	1	14	20	17	2	7	3	3	4
Operating Profit	5	9	10	14	18	4	9	10	6	10	5
OPM %	88.45%	90.92%	90.54%	48.56%	47.12%	21.05%	85.34%	61.13%	68.26%	78.77%	53.58%
	0	0	0	0	0	0	0	0	0	0	0
Interest	1	1	6	9	13	2	2	2	3	4	5
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	4	9	4	5	5	3	7	8	3	5	4
Tax %	24.16%	11.01%	4.39%	16.22%	30.64%	20.64%	28.91%	27.11%	32.43%	25.79%	26.47%
Net Profit	3	8	4	4	4	2	5	6	2	4	3
EPS	0.00	0.00	0.00	0.00	5.23	3.01	7.15	8.48	3.21	5.70	—
Dividend Payout %	24.83%	10.82%	22.96%	21.89%	22.95%	39.83%	16.78%	14.15%	37.42%	21.05%	—

COMPOUNDED SALES GROWTH

10 Years:: 8%
5 Years:: -20%
3 Years:: 7%

COMPOUNDED PROFIT GROWTH

10 Years:: 4%
5 Years:: 2%
3 Years:: -7%

STOCK PRICE CAGR

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

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	43	50	154	89	137	159	160	214	220	238
	7	7	31	90	26	18	22	25	36	45
Trade Payables	4	2	0	1	4	1	2	4	5	8
	2	1	40	14	28	34	33	51	51	56
Total Liabilities	64	67	233	201	202	220	224	302	319	354
	1	1	1	1	1	1	1	1	1	2
	33	32	33	33	36	44	52	54	54	56
	13	14	154	56	113	141	139	204	211	234
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	1	1	3	3	10	1	2	2	2	2
	16	19	42	108	42	32	30	41	51	60
Total Assets	64	67	233	201	202	220	224	302	319	354

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	8	2	-21	-57	76	8	7	0	-8	-1
Cash from Investing	0	0	-0	-1	-2	-8	-7	-1	0	-2
Cash from Financing	-8	-1	23	58	-65	-9	3	-0	7	4
	-1	-0	2	-0	7	-9	1	-0	-0	1

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	4.03	11.09	5.23	5.48	5.23	3.01	7.15	8.48	3.21	5.70
Book Value (₹)	72.35	82.22	231.72	137.80	206.22	238.58	239.30	317.73	325.59	352.09
Dividend per Share (₹)	1.00	1.20	1.20	1.20	1.20	1.20	1.20	1.20	1.20	1.20
Cash EPS (₹)	4.13	11.21	5.35	5.60	5.32	3.25	7.32	8.63	3.37	6.00
PROFITABILITY
Operating Margin %	93.21%	93.14%	91.37%	48.89%	47.39%	21.41%	86.58%	61.13%	68.26%	78.77%
Net Margin %	52.67%	74.20%	32.54%	13.69%	9.51%	9.84%	47.81%	35.20%	25.01%	31.55%
ROE %	5.73%	14.35%	3.33%	2.97%	3.04%	1.35%	2.99%	3.05%	1.00%	1.68%
ROCE %	8.16%	15.73%	7.88%	7.15%	10.15%	2.49%	4.76%	4.70%	2.38%	3.52%
	4.30%	11.83%	2.43%	1.76%	1.81%	1.00%	2.25%	2.25%	0.72%	1.18%
EFFICIENCY
Debtor Days	0	0	86	21	0	0	0	0	0	0
Inventory Days	899	476	2736	1375	805	2168	4897	3727	8481	6457
Payable Days	0	0	0	0	0	0	0	0	0	0
	899	476	2822	1396	805	2168	4897	3727	8481	6457
FINANCIAL HEALTH
Debt to Equity (x)	0.14x	0.13x	0.19x	0.94x	0.18x	0.11x	0.13x	0.11x	0.16x	0.18x
Interest Coverage (x)	4.10x	10.26x	1.60x	1.51x	1.41x	2.50x	4.70x	4.80x	2.20x	2.22x
	1.93x	2.99x	6.10x	1.77x	5.03x	8.03x	6.42x	7.49x	6.07x	5.35x
GROWTH
Revenue Growth %	-11.41%	95.47%	7.46%	149.28%	37.20%	-44.27%	-51.17%	61.14%	-46.78%	40.93%
Operating Profit Growth %	-7.50%	95.32%	5.43%	33.39%	32.99%	-74.82%	97.46%	14.63%	-40.40%	63.21%
Net Profit Growth %	3.63%	175.37%	-52.87%	4.85%	-4.62%	-42.38%	137.32%	18.66%	-62.20%	77.77%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.66%	-62.20%	77.77%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	14.71x	43.58x	19.61x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.39x	0.43x	0.32x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.96%	0.86%	1.07%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	10.69x	21.37x	11.97x

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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