Mahindra & Mahindra Financial Services (NSE:M&MFIN) LT-Debt-to-Total-Asset: 0.72 (As of Mar. 2026)


NSE:M&MFIN Mahindra & Mahindra Financial Services Ltd NSE:M&MFIN
73 GF Score
Price ₹332.20
GF Value ₹353.37
Valuation Fairly Valued
! 2 Warning Signs
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What is Mahindra & Mahindra Financial Services LT-Debt-to-Total-Asset?

Mahindra & Mahindra Financial Services NSE:M&MFIN +0.12% 73 LT-Debt-to-Total-Asset is 0.72 as of Mar. 2026. GuruFocus rates NSE:M&MFIN with a GF Score™ of 73/100 and a GF Value™ of ₹353.37 (Fairly Valued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Mahindra & Mahindra Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.72.

Mahindra & Mahindra Financial Services's long-term debt to total assets ratio declined from Mar. 2025 (0.75) to Mar. 2026 (0.72). It may suggest that Mahindra & Mahindra Financial Services is progressively becoming less dependent on debt to grow their business.

Mahindra & Mahindra Financial Services  (NSE:M&MFIN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Mahindra & Mahindra Financial Services LT-Debt-to-Total-Asset Related Terms

Mahindra & Mahindra Financial Services LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Mahindra & Mahindra Financial Services's LT-Debt-to-Total-Asset can be seen below:

* 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.

Mahindra & Mahindra Financial Services LT-Debt-to-Total-Asset Chart

Mahindra & Mahindra Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.65 0.73 0.75 0.75 0.72

Mahindra & Mahindra Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.75 0.00 0.72 0.00 0.72
NSE:M&MFIN
73GF Score
Mahindra & Mahindra Financial Services Ltd NSE:M&MFIN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Mahindra & Mahindra Financial Services LT-Debt-to-Total-Asset Calculation

Mahindra & Mahindra Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=1147281.2/1586439.4
=0.72

Mahindra & Mahindra Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1147281.2/1586439.4
=0.72

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.72 mean?
Mahindra & Mahindra Financial Services (NSE:M&MFIN) has a LT-Debt-to-Total-Asset of 0.72 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Mahindra & Mahindra Financial Services and its competitors.
Is Mahindra & Mahindra Financial Services' LT-Debt-to-Total-Asset too high?
Mahindra & Mahindra Financial Services' current LT-Debt-to-Total-Asset is 0.72. 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' LT-Debt-to-Total-Asset compare to V and MA?
Mahindra & Mahindra Financial Services' LT-Debt-to-Total-Asset of 0.72 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Mahindra & Mahindra Financial Services and its competitors. Mahindra & Mahindra Financial Services's current LT-Debt-to-Total-Asset is 0.72. 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 ₹353.37, compared to a current price of ₹332.20 — trading 6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.72. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Mahindra & Mahindra Financial Services (NSE:M&MFIN), the current LT-Debt-to-Total-Asset is 0.72 as of Mar. 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 undervalued. The current stock price of ₹332.20 is trading 6% below its estimated GF Value™ of ₹353.37. GuruFocus considers Mahindra & Mahindra Financial Services to be Fairly Valued.

Key valuation signals for NSE:M&MFIN:

  • LT-Debt-to-Total-Asset: 0.72
  • GF Value™: ₹353.37 vs. price of ₹332.20 (6% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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

Other Exchanges 532720:India
Address Dr. G M. Bhosale Marg, 4th Floor, Mahindra Towers, A Wing, P.K. Kurne Chowk, Worli, Mumbai, MH, IND, 400 018
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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹332.20
Price
₹353.37
GF Value