MASFINMASFIN Forensic Risk Analysis

Non Banking Financial Company (NBFC)
Risk ClassStable
Market Cap₹5,380 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
5 / 100
-5 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

32.4th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹309.4▲1.61%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+5.0 pts
Final Composite Risk5 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 5 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 2 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ2 FY2026
MASFIN: NIM decline is accelerating (47 bps drop vs prev -25 bps).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Operating Leverage Stress
📊 Earnings QualityAnnualActive for 3 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ3 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)2.274.59✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+61.0+55.5✅ RESILIENT
Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹309.4(+1.61%)
1M Divergence-8.25%
1 Week+1.05%
1 Month-8.97%
6 Months+0.54%
1 Year+5.85%
2 Year+8.48%
3 Year+24.75%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

MASFIN • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.58%
Trend QualityWeak
Phase Progression
Phase Progression Score50%
Readiness LabelModerate (Transition Potential Building)
Probability of Advancing58%
CoinTree Momentum
Composite Z-Score-0.3201σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#1694 of 2716
Top 62.37% in momentum strength
Timeframe Sparklines
1W+1.1%
1M-9.0%
6M+0.5%
Weinstein Indicators
150 DMA₹315.04
200 DMA₹313.16
150 DMA Slope+0.7621%Rising
Relative Strength+6.03%Leading
Relative Turnover (RTR)1.3310
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (10.5).
AFILAkme Fintrade (India) Limited
0 Risk
Sector %ile0th
Delta-5
Active Flags2
Accel+0
Governance

Stable

MASFINMASFIN
5 Risk
Sector %ile32th
Delta-5
Active Flags2
Accel+0
Governance

Stable

AIILAuthum Investment & Infrastructure Limited
16 Risk
Sector %ile78th
Delta0
Active Flags6
Accel+0
Earnings Quality

Stable

AVONMOREAvonmore Capital & Management Services Limited
17 Risk
Sector %ile84th
Delta+17
Active Flags3
Accel+1
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2026

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20262,002376-1,78710,314
FY20251,600314-1,1339,156
FY20241,286254-1,3667,426
FY2023990206-1,4886,128