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MAS Financial ServicesNSE:MASFIN +0.79%81 3-Year Book Growth Rate is 21.00% as of Jun. 2026, which is 1% above its 10-year median of 20.70. GuruFocus rates NSE:MASFIN with a GF Score™ of 81/100 and a GF Value™ of ₹427.84 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 516 Credit Services companies, MAS Financial Services ranks better than 82.56% on this metric.
During the past 12 months, MAS Financial Services's average Book Value per Share Growth Rate was 14.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 21.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 18.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 28.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of MAS Financial Services was 76.90% per year. The lowest was 11.80% per year. And the median was 20.70% per year.
MAS Financial Services (NSE:MASFIN) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
MAS Financial Services 3-Year Book Growth Rate Related Terms
NSE:MASFIN vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, MAS Financial Services's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
MAS Financial Services 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's 3-Year Book Growth Rate falls into.
MAS Financial Services 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 21.00% mean?
MAS Financial Services (NSE:MASFIN) has a 3-Year Book Growth Rate of 21.00% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for MAS Financial Services and its competitors. This is near median its historical median of 20.70. Over the past decade, MAS Financial Services' 3-Year Book Growth Rate has ranged from 11.80 to 76.90. According to the industry distribution chart, MAS Financial Services ranks #90 out of 516 companies in the Credit Services industry, placing it in the top 17.4%.
Is MAS Financial Services' 3-Year Book Growth Rate too high?
MAS Financial Services' current 3-Year Book Growth Rate of 21.00% is near median its 10-year median of 20.70. Over the past 10 years, this metric has ranged from a low of 11.80 to a high of 76.90. The Credit Services industry median 3-Year Book Growth Rate is 6.00. MAS Financial Services' value of 21.00% is 250% above this industry median. Based on the distribution chart, MAS Financial Services ranks #90 out of 516 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, MAS Financial Services has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #90 out of 516 companies for 3-Year Book Growth Rate. This places MAS Financial Services in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 6.00. MAS Financial Services' value of 21.00% is 250% above this benchmark. Historically, MAS Financial Services' own 3-Year Book Growth Rate has ranged from 11.80 to 76.90 over the past decade. While the company's 10-year median is 20.70 vs. the industry median of 6.00, MAS Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MAS Financial Services's current 3-Year Book Growth Rate of 21.00% is 250% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for MAS Financial Services and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current 3-Year Book Growth Rate is 21.00%, which is near median its own 10-year median of 20.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MAS Financial Services stock overvalued right now?
Based on GuruFocus' analysis, MAS Financial Services (NSE:MASFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹427.84, compared to a current price of ₹295.00 — trading 31% below its estimated fair value. The current 3-Year Book Growth Rate is 21.00%, which is near median its 10-year median of 20.70 and 250% above the Credit Services industry median of 6.00. MAS Financial Services' overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For MAS Financial Services (NSE:MASFIN), the current 3-Year Book Growth Rate is 21.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is MAS Financial Services (NSE:MASFIN) Overvalued in 2026?
Based on GuruFocus' analysis, MAS Financial Services stock appears to be undervalued.
The current stock price of ₹295.00 is trading 31% below its estimated GF Value™ of ₹427.84.
GuruFocus considers MAS Financial Services to be Possible Value Trap.
Key valuation signals for NSE:MASFIN:
3-Year Book Growth Rate: 21.00% (near median its 10-year median of 20.70)
GF Value™: ₹427.84 vs. price of ₹295.00 (31% below fair value)
Industry Position: 250% above the Credit Services median (#90 of 516)
No single metric tells the full story. See the NSE:MASFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MAS Financial Services Ltd operates as a non-banking financial company. It is mainly in the retail business, comprising Micro, small, and medium enterprises, two-wheelers, three-wheelers, and multi-utility vehicles loans to individual borrowers and loans to microfinance institutions and other non-banking financial companies. It focuses on the lower-income and middle-income groups of society, spread across urban, semi-urban, and rural areas, including formal and informal sectors.
81GF Score
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