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MAS Financial ServicesNSE:MASFIN -0.37%81 Shiller PE Ratio is 20.22 as of Aug. 31, 2026, which is 11% below its 10-year median of 22.64. GuruFocus rates NSE:MASFIN with a GF Score™ of 81/100 and a GF Value™ of ₹426.29 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 333 Credit Services companies, MAS Financial Services ranks worse than 62.46% on this metric.
The historical rank and industry rank for MAS Financial Services's Shiller PE Ratio or its related term are showing as below:
NSE:MASFIN'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 19.92 Med: 22.64 Max: 25.89
Current: 20.22
During the past years, MAS Financial Services's highest Shiller PE Ratio was 25.89. The lowest was 19.92. And the median was 22.64.
NSE:MASFIN's Shiller PE Ratio is ranked worse than 62.46% of 333
companies
in the Credit Services industry
Industry Median: 14.22
vs NSE:MASFIN: 20.22
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
MAS Financial Services's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹5.980. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is ₹14.56 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
MAS Financial Services (NSE:MASFIN) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
MAS Financial Services Shiller PE Ratio Related Terms
MAS Financial Services Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for MAS Financial Services's Shiller PE Ratio 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.
NSE:MASFIN vs V, MA, AXP: Shiller PE Ratio Comparison
For the Credit Services subindustry, MAS Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's Shiller PE Ratio falls into.
MAS Financial Services Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
MAS Financial Services (NSE:MASFIN) has a Shiller PE Ratio of 20.22 as of Aug. 31, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on MAS Financial Services and its competitors. This is 11% below median its historical median of 22.64. Over the past decade, MAS Financial Services' Shiller PE Ratio has ranged from 19.92 to 25.89. According to the industry distribution chart, MAS Financial Services ranks #208 out of 333 companies in the Credit Services industry, placing it in the top 62.5%.
Is MAS Financial Services' Shiller PE Ratio too high?
MAS Financial Services' current Shiller PE Ratio of 20.22 is 11% below median its 10-year median of 22.64. Over the past 10 years, this metric has ranged from a low of 19.92 to a high of 25.89. The Credit Services industry median Shiller PE Ratio is 14.22. MAS Financial Services' value of 20.22 is 42.2% above this industry median. Based on the distribution chart, MAS Financial Services ranks #208 out of 333 companies in the Credit Services industry, which is below the industry midpoint. 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' Shiller PE Ratio compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #208 out of 333 companies for Shiller PE Ratio. This places MAS Financial Services in the lower half of its industry. The industry median Shiller PE Ratio is 14.22. MAS Financial Services' value of 20.22 is 42.2% above this benchmark. Historically, MAS Financial Services' own Shiller PE Ratio has ranged from 19.92 to 25.89 over the past decade. While the company's 10-year median is 22.64 vs. the industry median of 14.22, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.22, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MAS Financial Services's current Shiller PE Ratio of 20.22 is 42.2% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on MAS Financial Services and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current Shiller PE Ratio is 20.22, which is 11% below median its own 10-year median of 22.64. 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 ₹426.29, compared to a current price of ₹294.40 — trading 30.9% below its estimated fair value. The current Shiller PE Ratio is 20.22, which is 11% below median its 10-year median of 22.64 and 42.2% above the Credit Services industry median of 14.22. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For MAS Financial Services (NSE:MASFIN), the current Shiller PE Ratio is 20.22 as of Aug. 31, 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 ₹294.40 is trading 30.9% below its estimated GF Value™ of ₹426.29.
GuruFocus considers MAS Financial Services to be Possible Value Trap.
Key valuation signals for NSE:MASFIN:
Shiller PE Ratio: 20.22 (11% below median its 10-year median of 22.64)
GF Value™: ₹426.29 vs. price of ₹294.40 (30.9% below fair value)
Industry Position: 42.2% above the Credit Services median (#208 of 333)
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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