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* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:M&MFIN vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Mahindra & Mahindra Financial Services's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.
Mahindra & Mahindra Financial Services Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mahindra & Mahindra Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Mahindra & Mahindra Financial Services's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 8.27% mean?
Mahindra & Mahindra Financial Services (NSE:M&MFIN) has a Effective Interest Rate on Debt % of 8.27% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mahindra & Mahindra Financial Services and its competitors.
Is Mahindra & Mahindra Financial Services' Effective Interest Rate on Debt % too high?
Mahindra & Mahindra Financial Services' current Effective Interest Rate on Debt % is 8.27%. Overall, Mahindra & Mahindra Financial Services has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mahindra & Mahindra Financial Services' Effective Interest Rate on Debt % compare to V and MA?
Mahindra & Mahindra Financial Services' Effective Interest Rate on Debt % of 8.27% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Mahindra & Mahindra Financial Services and its competitors. Mahindra & Mahindra Financial Services's current Effective Interest Rate on Debt % is 8.27%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mahindra & Mahindra Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Mahindra & Mahindra Financial Services (NSE:M&MFIN) is currently considered Fairly Valued. The stock's GF Value™ is ₹351.29, compared to a current price of ₹356.50 — trading 1.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 8.27%. Mahindra & Mahindra Financial Services' overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Mahindra & Mahindra Financial Services (NSE:M&MFIN), the current Effective Interest Rate on Debt % is 8.27% 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 Mahindra & Mahindra Financial Services (NSE:M&MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Mahindra & Mahindra Financial Services stock appears to be overvalued.
The current stock price of ₹356.50 is trading 1.5% above its estimated GF Value™ of ₹351.29.
GuruFocus considers Mahindra & Mahindra Financial Services to be Fairly Valued.
Key valuation signals for NSE:M&MFIN:
Effective Interest Rate on Debt %: 8.27%
GF Value™: ₹351.29 vs. price of ₹356.50 (1.5% above fair value)
No single metric tells the full story. See the NSE:M&MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mahindra & Mahindra Financial Services Business Description
Mahindra & Mahindra Financial Services Ltd is a nonbanking financial company engaged in financing new and pre-owned auto, utility vehicles, tractors, passenger cars and commercial vehicles through its pan India branch network. The company has a diversified lending portfolio across retail, small and medium enterprises and commercial customers with a presence in rural and semi-urban India. The company has two segments : Financing Activities, that includes financing and leasing of automobiles, tractors, commercial vehicles, SMEs and housing finance.; and Other reconciling items which consists insurance broking, asset management services and trusteeship services. It derives maximum revenue from Financing Activities.
73GF Score
Get the complete analysis for NSE:M&MFIN
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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