Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MAS Financial ServicesNSE:MASFIN +1.57%82 PS Ratio is 3.32 as of Jul. 16, 2026, which is 44% below its 10-year median of 5.88. GuruFocus rates NSE:MASFIN with a GF Score™ of 82/100 and a GF Value™ of ₹437.60 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 522 Credit Services companies, MAS Financial Services ranks worse than 53.83% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, MAS Financial Services's share price is ₹323.55.
MAS Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹97.55. Hence, MAS Financial Services's PS Ratio for today is 3.32.
Good Sign:
MAS Financial Services Ltd stock PS Ratio (=3.32) is close to 10-year low of 2.99.
The historical rank and industry rank for MAS Financial Services's PS Ratio or its related term are showing as below:
NSE:MASFIN'
s PS Ratio Range Over the Past 10 Years
Min: 2.99 Med: 5.88 Max: 10.39
Current: 3.32
During the past 13 years, MAS Financial Services's highest PS Ratio was 10.39. The lowest was 2.99. And the median was 5.88.
NSE:MASFIN's PS Ratio is ranked worse than 53.83% of 522
companies
in the Credit Services industry
Industry Median: 2.87
vs NSE:MASFIN: 3.32
MAS Financial Services Ltd has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of MAS Financial Services was 19.20% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 27.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 28.30% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 14.50% per year.
During the past 13 years, MAS Financial Services's highest 3-Year average Revenue per Share Growth Rate was 33.10% per year. The lowest was 4.80% per year. And the median was 17.10% per year.
Back to Basics: PS Ratio
MAS Financial Services (NSE:MASFIN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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.
For the Credit Services subindustry, MAS Financial Services's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
MAS Financial Services's Share Price of today is ₹323.55. MAS Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹97.55.
* 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.
It can also be calculated from the numbers for the whole company:
MAS Financial Services (NSE:MASFIN) has a PS Ratio of 3.32 as of Jul. 16, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on MAS Financial Services and its competitors. This is 44% below median its historical median of 5.88. Over the past decade, MAS Financial Services' PS Ratio has ranged from 2.99 to 10.39. According to the industry distribution chart, MAS Financial Services ranks #281 out of 522 companies in the Credit Services industry, placing it in the top 53.8%.
Is MAS Financial Services' PS Ratio too high?
MAS Financial Services' current PS Ratio of 3.32 is 44% below median its 10-year median of 5.88. Over the past 10 years, this metric has ranged from a low of 2.99 to a high of 10.39. The Credit Services industry median PS Ratio is 2.87. MAS Financial Services' value of 3.32 is 15.7% above this industry median. Based on the distribution chart, MAS Financial Services ranks #281 out of 522 companies in the Credit Services industry, which is below the industry midpoint. Overall, MAS Financial Services has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #281 out of 522 companies for PS Ratio. This places MAS Financial Services in the lower half of its industry. The industry median PS Ratio is 2.87. MAS Financial Services' value of 3.32 is 15.7% above this benchmark. Historically, MAS Financial Services' own PS Ratio has ranged from 2.99 to 10.39 over the past decade. While the company's 10-year median is 5.88 vs. the industry median of 2.87, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.87, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MAS Financial Services's current PS Ratio of 3.32 is 15.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on MAS Financial Services and its competitors. For the Credit Services industry, the median PS Ratio is 2.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current PS Ratio is 3.32, which is 44% below median its own 10-year median of 5.88. 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 Modestly Undervalued. The stock's GF Value™ is ₹437.60, compared to a current price of ₹323.55 — trading 26.1% below its estimated fair value. The current PS Ratio is 3.32, which is 44% below median its 10-year median of 5.88 and 15.7% above the Credit Services industry median of 2.87. MAS Financial Services' overall GF Score™ is 82/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For MAS Financial Services (NSE:MASFIN), the current PS Ratio is 3.32 as of Jul. 16, 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 ₹323.55 is trading 26.1% below its estimated GF Value™ of ₹437.60.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
PS Ratio: 3.32 (44% below median its 10-year median of 5.88)
GF Value™: ₹437.60 vs. price of ₹323.55 (26.1% below fair value)
Industry Position: 15.7% above the Credit Services median (#281 of 522)
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.
82GF Score
Get the complete analysis for NSE:MASFIN
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:MASFIN has been successfully added to your 
