AD Manum Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: September 12, 2025, 9:59 pm

Market Cap	53.3 Cr.
Current Price	71.0
High / Low	142/60.0
Stock P/E	4.88
Book Value	107
Dividend Yield	0.00 %
ROCE	15.2 %
ROE	11.8 %
Face Value	10.0
PEG Ratio	0.18

Quick Insight

AD Manum Finance Ltd, a Non-Banking Financial Company (NBFC), is currently trading at a price of 73.4 with a market capitalization of 55.0 Cr. With a low P/E ratio of 5.04, the company presents a compelling valuation opportunity. The Return on Equity (ROE) stands at 11.8%, while the Return on Capital Employed (ROCE) is at a healthy 15.2%. The high Operating Profit Margin (OPM) of 91.22% reflects efficient cost management. Additionally, the company's strong Interest Coverage Ratio (ICR) of 10.63x indicates a comfortable position to service its debt obligations. Overall, AD Manum Finance Ltd appears financially sound with potential for growth, making it an attractive investment prospect in the NBFC sector.

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for AD Manum Finance Ltd

Competitors of AD Manum Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	11.9 Cr.	1.19	1.91/0.83	79.3	1.07	0.00 %	0.40 %	0.09 %	1.00
Money Masters Leasing & Finance Ltd	15.6 Cr.	1.55	15.6/1.06	24.3	1.31	0.00 %	4.42 %	3.94 %	1.00
Moneyboxx Finance Ltd	464 Cr.	142	294/130		79.8	0.00 %	8.73 %	0.58 %	10.0
Moongipa Capital Finance Ltd	17.1 Cr.	18.6	41.0/17.5	12.8	24.9	0.00 %	12.1 %	9.43 %	10.0
Morarka Finance Ltd	45.6 Cr.	101	181/90.0	35.4	212	0.99 %	2.46 %	2.17 %	10.0
Industry Average	27,656.61 Cr	503.14		101.18	498.62	0.21%	15.86%	8.89%	8.48

All Competitor Stocks of AD Manum Finance Ltd

Quarterly Result

Metric	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Sales	2.07	2.43	3.81	0.84	1.81	2.26	2.28	4.68	2.80	3.66	3.55	3.29	3.19
Expenses	1.04	0.33	0.44	0.23	0.44	0.15	-0.23	0.91	0.22	0.41	0.25	0.48	0.28
Operating Profit	1.03	2.10	3.37	0.61	1.37	2.11	2.51	3.77	2.58	3.25	3.30	2.81	2.91
OPM %	49.76%	86.42%	88.45%	72.62%	75.69%	93.36%	110.09%	80.56%	92.14%	88.80%	92.96%	85.41%	91.22%
Other Income	0.01	0.43	0.37	0.00	0.00	0.02	0.18	1.67	0.00	0.52	0.23	0.01	1.79
Interest	0.21	0.31	0.41	0.19	0.27	0.44	0.42	0.30	0.19	0.47	0.36	0.18	0.18
Depreciation	0.04	0.04	0.04	0.01	0.01	0.01	0.01	0.02	0.01	0.01	0.01	0.02	0.01
Profit before tax	0.79	2.18	3.29	0.41	1.09	1.68	2.26	5.12	2.38	3.29	3.16	2.62	4.51
Tax %	27.85%	36.24%	14.89%	34.15%	24.77%	19.05%	36.28%	20.31%	25.21%	20.36%	25.32%	17.56%	16.19%
Net Profit	0.57	1.39	2.79	0.27	0.82	1.36	1.44	4.09	1.77	2.61	2.36	2.16	3.78
EPS in Rs	0.76	1.85	3.72	0.36	1.09	1.81	1.92	5.45	2.36	3.48	3.15	2.88	5.04

Last Updated: August 20, 2025, 12:35 am

Below is a detailed analysis of the quarterly data for AD Manum Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

For Sales, as of Jun 2025, the value is 3.19 Cr.. The value appears to be declining and may need further review. It has decreased from 3.29 Cr. (Mar 2025) to 3.19 Cr., marking a decrease of 0.10 Cr..
For Expenses, as of Jun 2025, the value is 0.28 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.48 Cr. (Mar 2025) to 0.28 Cr., marking a decrease of 0.20 Cr..
For Operating Profit, as of Jun 2025, the value is 2.91 Cr.. The value appears strong and on an upward trend. It has increased from 2.81 Cr. (Mar 2025) to 2.91 Cr., marking an increase of 0.10 Cr..
For OPM %, as of Jun 2025, the value is 91.22%. The value appears strong and on an upward trend. It has increased from 85.41% (Mar 2025) to 91.22%, marking an increase of 5.81%.
For Other Income, as of Jun 2025, the value is 1.79 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Mar 2025) to 1.79 Cr., marking an increase of 1.78 Cr..
For Interest, as of Jun 2025, the value is 0.18 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.18 Cr..
For Depreciation, as of Jun 2025, the value is 0.01 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.02 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.01 Cr..
For Profit before tax, as of Jun 2025, the value is 4.51 Cr.. The value appears strong and on an upward trend. It has increased from 2.62 Cr. (Mar 2025) to 4.51 Cr., marking an increase of 1.89 Cr..
For Tax %, as of Jun 2025, the value is 16.19%. The value appears to be improving (decreasing) as expected. It has decreased from 17.56% (Mar 2025) to 16.19%, marking a decrease of 1.37%.
For Net Profit, as of Jun 2025, the value is 3.78 Cr.. The value appears strong and on an upward trend. It has increased from 2.16 Cr. (Mar 2025) to 3.78 Cr., marking an increase of 1.62 Cr..
For EPS in Rs, as of Jun 2025, the value is 5.04. The value appears strong and on an upward trend. It has increased from 2.88 (Mar 2025) to 5.04, marking an increase of 2.16.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 4:40 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	25.41	18.10	13.79	13.61	14.85	9.97	9.93	9.41	8.83	9.19	11.15	13.30
Expenses	7.50	9.00	7.57	7.48	8.94	3.77	1.80	4.01	5.76	1.97	1.28	1.37
Operating Profit	17.91	9.10	6.22	6.13	5.91	6.20	8.13	5.40	3.07	7.22	9.87	11.93
OPM %	70.48%	50.28%	45.11%	45.04%	39.80%	62.19%	81.87%	57.39%	34.77%	78.56%	88.52%	89.70%
Other Income	-0.91	-0.25	0.37	0.17	0.23	-4.05	-3.50	-0.37	0.09	0.69	1.75	0.76
Interest	8.61	7.07	5.78	4.77	4.14	2.25	2.28	1.30	1.01	1.12	1.42	1.19
Depreciation	1.21	0.38	0.40	0.36	0.35	0.26	0.19	0.18	0.16	0.14	0.05	0.05
Profit before tax	7.18	1.40	0.41	1.17	1.65	-0.36	2.16	3.55	1.99	6.65	10.15	11.45
Tax %	28.83%	30.71%	36.59%	25.64%	6.67%	36.11%	14.81%	23.10%	-22.11%	24.66%	24.14%	22.18%
Net Profit	5.10	0.97	0.25	0.86	1.55	-0.50	1.84	2.73	2.43	5.02	7.70	8.90
EPS in Rs	6.80	1.29	0.33	1.15	2.07	-0.67	2.45	3.64	3.24	6.69	10.27	11.87
Dividend Payout %	14.71%	77.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	-80.98%	-74.23%	244.00%	80.23%	-132.26%	468.00%	48.37%	-10.99%	106.58%	53.39%	15.58%
Change in YoY Net Profit Growth (%)	0.00%	6.75%	318.23%	-163.77%	-212.49%	600.26%	-419.63%	-59.36%	117.57%	-53.20%	-37.80%

AD Manum Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	-3%
5 Years:	6%
3 Years:	15%
TTM:	14%

Compounded Profit Growth
10 Years:	23%
5 Years:	14%
3 Years:	55%
TTM:	26%

Stock Price CAGR
10 Years:	11%
5 Years:	33%
3 Years:	19%
1 Year:	-16%

Return on Equity
10 Years:	6%
5 Years:	9%
3 Years:	11%
Last Year:	12%

Last Updated: September 5, 2025, 2:06 pm

Balance Sheet

Last Updated: September 10, 2025, 2:54 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	8	8	8	8	8	8	8	8	8	8	8	8
Reserves	37	37	37	38	40	40	42	47	49	55	63	73
Borrowings	63	49	39	32	23	24	48	12	9	7	8	8
Other Liabilities	2	1	0	1	0	1	1	1	0	0	1	1
Total Liabilities	109	95	84	79	70	73	98	67	66	70	79	88
Fixed Assets	4	4	4	3	3	3	2	2	2	0	0	0
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	0	1	1	1	1	2	2	4	3	4	5	6
Other Assets	105	90	80	75	67	69	94	61	60	65	73	82
Total Assets	109	95	84	79	70	73	98	67	66	70	79	88

Below is a detailed analysis of the balance sheet data for AD Manum Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 8.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 8.00 Cr..
For Reserves, as of Mar 2025, the value is 73.00 Cr.. The value appears strong and on an upward trend. It has increased from 63.00 Cr. (Mar 2024) to 73.00 Cr., marking an increase of 10.00 Cr..
For Borrowings, as of Mar 2025, the value is 8.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 8.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 1.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 88.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 79.00 Cr. (Mar 2024) to 88.00 Cr., marking an increase of 9.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Mar 2025, the value is 6.00 Cr.. The value appears strong and on an upward trend. It has increased from 5.00 Cr. (Mar 2024) to 6.00 Cr., marking an increase of 1.00 Cr..
For Other Assets, as of Mar 2025, the value is 82.00 Cr.. The value appears strong and on an upward trend. It has increased from 73.00 Cr. (Mar 2024) to 82.00 Cr., marking an increase of 9.00 Cr..
For Total Assets, as of Mar 2025, the value is 88.00 Cr.. The value appears strong and on an upward trend. It has increased from 79.00 Cr. (Mar 2024) to 88.00 Cr., marking an increase of 9.00 Cr..

Notably, the Reserves (73.00 Cr.) exceed the Borrowings (8.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	16.59	20.91	0.20	0.13	-0.28	-1.05	-24.49	45.88	-2.38	-1.81	1.42	0.50
Cash from Investing Activity +	-0.17	-0.41	-0.06	-0.08	-0.00	0.14	0.06	0.07	0.85	1.64	0.01	0.51
Cash from Financing Activity +	-25.25	-21.30	-0.00	-0.00	-0.00	1.38	23.71	-37.70	-4.01	-2.47	-1.10	-1.08
Net Cash Flow	-8.83	-0.79	0.14	0.05	-0.28	0.48	-0.72	8.25	-5.54	-2.65	0.33	-0.07

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-45.09	-39.90	-32.78	-25.87	-17.09	-17.80	-39.87	-6.60	-5.93	0.22	1.87	3.93

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	1,480	1,794	2,056	1,948	1,588	2,236	37	32	30	76	65	42
Inventory Days
Days Payable
Cash Conversion Cycle	1,480	1,794	2,056	1,948	1,588	2,236	37	32	30	76	65	42
Working Capital Days	691	965	1,268	1,275	1,099	2,455	147	138	119	142	101	42
ROCE %	15%	9%	7%	7%	8%	9%	9%	6%	4%	11%	16%	15%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Promoters	70.45%	70.45%	70.45%	70.45%	70.45%	74.44%	74.44%	74.30%	74.30%	74.30%	74.30%	74.30%
Public	29.55%	29.55%	29.55%	29.55%	29.55%	25.55%	25.55%	25.71%	25.71%	25.70%	25.70%	25.70%
No. of Shareholders	1,320	1,191	1,182	1,178	1,205	1,437	1,817	1,799	2,121	2,394	2,523	2,483

Shareholding Pattern Chart

No. of Shareholders

AD Manum Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	11.87	10.27	6.69	3.24	3.64
Diluted EPS (Rs.)	11.87	10.27	6.69	3.24	3.64
Cash EPS (Rs.)	11.94	10.34	6.87	3.46	3.88
Book Value[Excl.RevalReserv]/Share (Rs.)	106.69	94.48	82.81	75.55	72.44
Book Value[Incl.RevalReserv]/Share (Rs.)	106.69	94.48	82.81	75.55	72.44
Revenue From Operations / Share (Rs.)	17.73	14.71	12.20	11.27	12.38
PBDIT / Share (Rs.)	16.92	15.50	10.55	4.22	7.29
PBIT / Share (Rs.)	16.85	15.43	10.37	4.00	7.06
PBT / Share (Rs.)	15.26	13.53	8.88	2.65	4.74
Net Profit / Share (Rs.)	11.87	10.27	6.69	3.24	3.64
PBDIT Margin (%)	95.43	105.39	86.47	37.46	58.91
PBIT Margin (%)	95.02	104.91	84.99	35.52	56.98
PBT Margin (%)	86.04	92.03	72.75	23.52	38.24
Net Profit Margin (%)	66.94	69.82	54.84	28.76	29.36
Return on Networth / Equity (%)	11.12	10.86	8.08	4.29	5.02
Return on Capital Employeed (%)	15.69	16.18	12.51	5.28	9.58
Return On Assets (%)	10.08	9.71	7.20	3.70	4.05
Total Debt / Equity (X)	0.09	0.10	0.11	0.15	0.21
Asset Turnover Ratio (%)	0.15	0.14	0.13	0.12	0.11
Current Ratio (X)	11.34	9.92	8.95	6.86	5.12
Quick Ratio (X)	11.34	9.92	8.95	6.86	5.12
Interest Coverage Ratio (X)	10.63	8.18	7.07	3.12	4.20
Interest Coverage Ratio (Post Tax) (X)	8.46	6.42	5.48	3.40	3.43
Enterprise Value (Cr.)	52.21	48.18	43.82	33.73	15.28
EV / Net Operating Revenue (X)	3.93	4.37	4.79	3.99	1.64
EV / EBITDA (X)	4.11	4.14	5.54	10.65	2.79
MarketCap / Net Operating Revenue (X)	3.39	3.74	4.03	3.32	1.31
Price / BV (X)	0.56	0.58	0.59	0.49	0.22
Price / Net Operating Revenue (X)	3.39	3.74	4.03	3.32	1.31
EarningsYield	0.19	0.18	0.13	0.08	0.22

After reviewing the key financial ratios for AD Manum Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 25, the value is 11.87. This value is within the healthy range. It has increased from 10.27 (Mar 24) to 11.87, marking an increase of 1.60.
For Diluted EPS (Rs.), as of Mar 25, the value is 11.87. This value is within the healthy range. It has increased from 10.27 (Mar 24) to 11.87, marking an increase of 1.60.
For Cash EPS (Rs.), as of Mar 25, the value is 11.94. This value is within the healthy range. It has increased from 10.34 (Mar 24) to 11.94, marking an increase of 1.60.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 106.69. It has increased from 94.48 (Mar 24) to 106.69, marking an increase of 12.21.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 106.69. It has increased from 94.48 (Mar 24) to 106.69, marking an increase of 12.21.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 17.73. It has increased from 14.71 (Mar 24) to 17.73, marking an increase of 3.02.
For PBDIT / Share (Rs.), as of Mar 25, the value is 16.92. This value is within the healthy range. It has increased from 15.50 (Mar 24) to 16.92, marking an increase of 1.42.
For PBIT / Share (Rs.), as of Mar 25, the value is 16.85. This value is within the healthy range. It has increased from 15.43 (Mar 24) to 16.85, marking an increase of 1.42.
For PBT / Share (Rs.), as of Mar 25, the value is 15.26. This value is within the healthy range. It has increased from 13.53 (Mar 24) to 15.26, marking an increase of 1.73.
For Net Profit / Share (Rs.), as of Mar 25, the value is 11.87. This value is within the healthy range. It has increased from 10.27 (Mar 24) to 11.87, marking an increase of 1.60.
For PBDIT Margin (%), as of Mar 25, the value is 95.43. This value is within the healthy range. It has decreased from 105.39 (Mar 24) to 95.43, marking a decrease of 9.96.
For PBIT Margin (%), as of Mar 25, the value is 95.02. This value exceeds the healthy maximum of 20. It has decreased from 104.91 (Mar 24) to 95.02, marking a decrease of 9.89.
For PBT Margin (%), as of Mar 25, the value is 86.04. This value is within the healthy range. It has decreased from 92.03 (Mar 24) to 86.04, marking a decrease of 5.99.
For Net Profit Margin (%), as of Mar 25, the value is 66.94. This value exceeds the healthy maximum of 10. It has decreased from 69.82 (Mar 24) to 66.94, marking a decrease of 2.88.
For Return on Networth / Equity (%), as of Mar 25, the value is 11.12. This value is below the healthy minimum of 15. It has increased from 10.86 (Mar 24) to 11.12, marking an increase of 0.26.
For Return on Capital Employeed (%), as of Mar 25, the value is 15.69. This value is within the healthy range. It has decreased from 16.18 (Mar 24) to 15.69, marking a decrease of 0.49.
For Return On Assets (%), as of Mar 25, the value is 10.08. This value is within the healthy range. It has increased from 9.71 (Mar 24) to 10.08, marking an increase of 0.37.
For Total Debt / Equity (X), as of Mar 25, the value is 0.09. This value is within the healthy range. It has decreased from 0.10 (Mar 24) to 0.09, marking a decrease of 0.01.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.15. It has increased from 0.14 (Mar 24) to 0.15, marking an increase of 0.01.
For Current Ratio (X), as of Mar 25, the value is 11.34. This value exceeds the healthy maximum of 3. It has increased from 9.92 (Mar 24) to 11.34, marking an increase of 1.42.
For Quick Ratio (X), as of Mar 25, the value is 11.34. This value exceeds the healthy maximum of 2. It has increased from 9.92 (Mar 24) to 11.34, marking an increase of 1.42.
For Interest Coverage Ratio (X), as of Mar 25, the value is 10.63. This value is within the healthy range. It has increased from 8.18 (Mar 24) to 10.63, marking an increase of 2.45.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 8.46. This value is within the healthy range. It has increased from 6.42 (Mar 24) to 8.46, marking an increase of 2.04.
For Enterprise Value (Cr.), as of Mar 25, the value is 52.21. It has increased from 48.18 (Mar 24) to 52.21, marking an increase of 4.03.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.93. This value exceeds the healthy maximum of 3. It has decreased from 4.37 (Mar 24) to 3.93, marking a decrease of 0.44.
For EV / EBITDA (X), as of Mar 25, the value is 4.11. This value is below the healthy minimum of 5. It has decreased from 4.14 (Mar 24) to 4.11, marking a decrease of 0.03.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.39. This value exceeds the healthy maximum of 3. It has decreased from 3.74 (Mar 24) to 3.39, marking a decrease of 0.35.
For Price / BV (X), as of Mar 25, the value is 0.56. This value is below the healthy minimum of 1. It has decreased from 0.58 (Mar 24) to 0.56, marking a decrease of 0.02.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.39. This value exceeds the healthy maximum of 3. It has decreased from 3.74 (Mar 24) to 3.39, marking a decrease of 0.35.
For EarningsYield, as of Mar 25, the value is 0.19. This value is below the healthy minimum of 5. It has increased from 0.18 (Mar 24) to 0.19, marking an increase of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of AD Manum Finance Ltd as of September 13, 2025 is: 50.28

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of September 13, 2025, AD Manum Finance Ltd is Overvalued by 29.18% compared to the current share price 71.00

Intrinsic Value of AD Manum Finance Ltd as of September 13, 2025 is: 63.69

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of September 13, 2025, AD Manum Finance Ltd is Overvalued by 10.30% compared to the current share price 71.00

Last 5 Year EPS CAGR: 26.67%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has higher reserves (46.50 cr) compared to borrowings (26.83 cr), indicating strong financial stability. The company has shown consistent growth in sales (13.13 cr) and profit (3.95 cr) over the years.	The stock has a low average ROCE of 9.67%, which may not be favorable. The stock has a high average Working Capital Days of 195.83, which may not be favorable. The stock has a high average Cash Conversion Cycle of 24.17, which may not be favorable.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in AD Manum Finance Ltd:
1. Net Profit Margin: 66.94%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 15.69% (Industry Average ROCE: 15.86%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 11.12% (Industry Average ROE: 8.89%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 8.46
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 11.34
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 4.88 (Industry average Stock P/E: 101.18)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0.09
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Ad-Manum Finance Ltd. is a Public Limited Listed company incorporated on 06/05/1986 and has its registered office in the State of Madhya Pradesh, India. Company's Corporate Identification Number(CIN) is L52520MP1986PLC003405 and registration number is 003405. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 13.30 Cr. and Equity Capital is Rs. 7.50 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	'Agarwal House', Indore Madhya Pradesh 452003	cs@admanumfinance.com http://www.admanumfinance.com

Management
Name	Position Held
Mr. Dharmendra Agrawal	Whole Time Director
Mr. Sanjeev Sharma	Whole Time Director
Mr. Sahive Alam Khan	Independent Director
Mr. Aseem Trivedi	Independent Director
Mr. Dhawal Bagmar	Independent Director
Ms. Priyanka Jha	Independent Woman Director

FAQ

What is the intrinsic value of AD Manum Finance Ltd?

AD Manum Finance Ltd's intrinsic value (as of 12 September 2025) is 50.28 which is 29.18% lower the current market price of 71.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹53.3 Cr. market cap, FY2025-2026 high/low of 142/60.0, reserves of ₹73 Cr, and liabilities of 88 Cr.

What is the Market Cap of AD Manum Finance Ltd?

The Market Cap of AD Manum Finance Ltd is 53.3 Cr..

What is the current Stock Price of AD Manum Finance Ltd as on 12 September 2025?

The current stock price of AD Manum Finance Ltd as on 12 September 2025 is 71.0.

What is the High / Low of AD Manum Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of AD Manum Finance Ltd stocks is 142/60.0.

What is the Stock P/E of AD Manum Finance Ltd?

The Stock P/E of AD Manum Finance Ltd is 4.88.

What is the Book Value of AD Manum Finance Ltd?

The Book Value of AD Manum Finance Ltd is 107.

What is the Dividend Yield of AD Manum Finance Ltd?

The Dividend Yield of AD Manum Finance Ltd is 0.00 %.

What is the ROCE of AD Manum Finance Ltd?

The ROCE of AD Manum Finance Ltd is 15.2 %.

What is the ROE of AD Manum Finance Ltd?

The ROE of AD Manum Finance Ltd is 11.8 %.

What is the Face Value of AD Manum Finance Ltd?

The Face Value of AD Manum Finance Ltd is 10.0.