M&M Financial Services delivered steady revenue growth in the December 2025 quarter, supported by healthy disbursement trends. However, profitability growth remained subdued, reflecting margin pressure and higher operating costs. • Sales: ↑ 14% YoY to ₹5,450 crore (vs ₹4,797 crore in Dec 2024) • EBIDT: ↑ 2% YoY to ₹3,537 crore (vs ₹3,472 crore) • Net Profit: ↑ 1% YoY to ₹826 crore (vs ₹918 crore) • EPS: ↓ 10% YoY to ₹5.93 (vs ₹6.60) At a price of ₹370, market cap ₹51,478 crore, and PE 20.8, M&M Financial reflects a growth-oriented franchise in rural and vehicle financing. While top-line momentum remains healthy, slower earnings growth indicates near-term margin pressure. Sustained improvement in asset quality and operating efficiency will be key to reigniting profit acceleration.

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