Kotak Mahindra Bank Limited vs Mahindra & Mahindra Financial Services Limited

A side-by-side comparison of Kotak Mahindra Bank Limited (KOTAKBANK) and Mahindra & Mahindra Financial Services Limited (M&MFIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, Mahindra & Mahindra Financial Services Limited leads KOTAKBANK vs M&MFIN on 8 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation04
  • Profitability13
  • Growth11
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

M&MFIN takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

23.06
P/E ratio
15.10
2.29
P/B ratio
1.87
0.16%
Dividend yield
2.09%
₹19.40
EPS
₹20.88

Profitability

M&MFIN takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

10.65%
Return on equity
10.72%
5.54%
Return on capital
8.61%
24.31%
EBITDA margin
62.50%
27.64%
Net margin
13.62%

Growth

Even

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

18.30%
Revenue CAGR (3Y)
18.26%
8.92%
Profit CAGR (3Y)
11.37%

Size & financial health

KOTAKBANK takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹4.44L Cr
Market cap
₹43,346 Cr
₹69,781 Cr
Revenue
₹21,005 Cr
₹19,288 Cr
Net profit
₹2,861 Cr
0.00
Debt / equity
4.29
Kotak Mahindra Bank Limited
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
Mahindra & Mahindra Financial Services Limited
  • + ["Company has delivered good profit growth of 29.7% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 36.4%"]
  • − []
Kotak Mahindra Bank Limited full analysis Mahindra & Mahindra Financial Services Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.