Share Price and Basic Stock Data
Last Updated: November 4, 2025, 4:58 pm
| PEG Ratio | -5.19 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Manappuram Finance Ltd, operating in the Finance & Investments sector, reported a share price of ₹276 and a market capitalization of ₹23,391 Cr. The company has shown a consistent upward trend in revenue, with figures rising from ₹1,502 Cr in June 2022 to ₹2,161 Cr in September 2023. This upward trajectory continued with revenue reaching ₹2,305 Cr in December 2023. Annual revenues also reflect this growth, increasing from ₹6,061 Cr in March 2022 to ₹6,700 Cr in March 2023, and projected at ₹8,848 Cr for March 2024. The total revenue for the trailing twelve months (TTM) stood at ₹9,782 Cr, indicating a robust operational performance. The company’s ability to maintain and grow its revenue amidst competition demonstrates its strong market positioning within the financial services industry.
Profitability and Efficiency Metrics
Manappuram Finance Ltd reported a net profit of ₹780 Cr, translating to a P/E ratio of 29.2, which suggests a premium valuation compared to traditional sector averages. The company’s profitability metrics, including a return on equity (ROE) of 10.1% and return on capital employed (ROCE) of 11.0%, indicate effective utilization of equity and capital. However, there are signs of volatility in financial performance, particularly in the recent quarters, with net profit figures fluctuating. For instance, net profit decreased to ₹278 Cr in December 2024 and reported a loss of ₹203 Cr in March 2025. The financing margin percentage has also shown variability, recording a low of -7% in March 2025, which raises concerns about operational efficiency. This inconsistency highlights the need for strategic measures to stabilize profitability levels.
Balance Sheet Strength and Financial Ratios
The balance sheet of Manappuram Finance Ltd reveals a total assets figure of ₹49,205 Cr, with reserves amounting to ₹12,263 Cr. The company reported borrowings of ₹36,077 Cr, resulting in a total debt to equity ratio of 2.85, suggesting a highly leveraged position compared to typical sector benchmarks. The interest coverage ratio (ICR) stood at 1.55, indicating that while the company can cover its interest obligations, the margin is narrow, posing a risk in periods of declining earnings. With a book value per share of ₹146.88, the price to book value (P/BV) ratio of 1.58x reflects a reasonable valuation against net assets. The current ratio of 1.30 suggests adequate liquidity but indicates potential challenges in meeting short-term obligations if cash flows become constrained.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Manappuram Finance Ltd indicates a balanced distribution among stakeholders, with promoters holding 35.25% of shares, FIIs at 30.16%, DIIs at 9.17%, and the public holding 25.41%. The number of shareholders has fluctuated, reaching 5,65,794 as of September 2025. The presence of foreign institutional investors (FIIs) at over 30% reflects strong international interest and confidence in the company’s prospects. However, the recent decline in FIIs from a peak of 33.00% in June 2024 to 30.16% in September 2025 raises questions about potential shifts in investor sentiment. The relatively low DII stake suggests room for increased domestic institutional interest, which could enhance stability in share prices and overall investor confidence.
Outlook, Risks, and Final Insight
Manappuram Finance Ltd faces both opportunities and challenges in its operational landscape. Strengths include a growing revenue base, significant market presence, and a diversified funding structure. However, risks such as high leverage, fluctuating profitability, and potential regulatory changes in the financial sector could impact future performance. The company’s ability to manage its interest obligations and maintain profitability amidst rising expenses will be crucial. To enhance investor confidence, a focus on improving operational efficiency and reducing debt levels is essential. In scenarios where the company successfully stabilizes its earnings and improves its financial ratios, it could potentially attract more institutional investments and see its stock price appreciate. Conversely, failure to address these risks could lead to further volatility in its financial performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Manappuram Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 528 Cr. | 1,374 | 2,400/1,151 | 62.4 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 82.5 Cr. | 49.1 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 44.0 Cr. | 81.6 | 170/68.6 | 183 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 61.2 Cr. | 47.0 | 76.2/37.0 | 29.1 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.8 Cr. | 31.7 | 165/29.0 | 42.0 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,894.62 Cr | 1,566.07 | 41.31 | 3,629.30 | 0.37% | 11.38% | 25.55% | 6.85 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,502 | 1,696 | 1,715 | 1,776 | 2,030 | 2,161 | 2,305 | 2,348 | 2,488 | 2,633 | 2,560 | 2,327 | 2,262 |
| Interest | 505 | 528 | 566 | 589 | 648 | 689 | 749 | 779 | 848 | 906 | 925 | 862 | 855 |
| Expenses | 568 | 587 | 575 | 587 | 671 | 675 | 729 | 773 | 846 | 892 | 1,191 | 1,638 | 1,233 |
| Financing Profit | 429 | 581 | 574 | 600 | 710 | 796 | 827 | 796 | 793 | 835 | 444 | -172 | 174 |
| Financing Margin % | 29% | 34% | 33% | 34% | 35% | 37% | 36% | 34% | 32% | 32% | 17% | -7% | 8% |
| Other Income | 1 | 18 | 19 | 23 | 27 | 13 | 21 | 14 | 24 | 4 | 3 | 3 | 3 |
| Depreciation | 49 | 46 | 53 | 56 | 56 | 62 | 62 | 65 | 64 | 67 | 70 | 66 | 75 |
| Profit before tax | 381 | 553 | 541 | 567 | 681 | 747 | 786 | 746 | 753 | 773 | 376 | -236 | 102 |
| Tax % | 26% | 26% | 27% | 27% | 27% | 25% | 27% | 24% | 26% | 26% | 26% | -14% | -30% |
| Net Profit | 282 | 409 | 393 | 415 | 498 | 561 | 575 | 564 | 557 | 572 | 278 | -203 | 132 |
| EPS in Rs | 3.33 | 4.82 | 4.63 | 4.88 | 5.86 | 6.60 | 6.77 | 6.63 | 6.55 | 6.74 | 3.33 | -2.26 | 1.63 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 20, 2025, 7:15 am
Below is a detailed analysis of the quarterly data for Manappuram Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 855.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 862.00 Cr. (Mar 2025) to 855.00 Cr., marking a decrease of 7.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,233.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,638.00 Cr. (Mar 2025) to 1,233.00 Cr., marking a decrease of 405.00 Cr..
- For Other Income, as of Jun 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 3.00 Cr..
- For Depreciation, as of Jun 2025, the value is 75.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 66.00 Cr. (Mar 2025) to 75.00 Cr., marking an increase of 9.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 102.00 Cr.. The value appears strong and on an upward trend. It has increased from -236.00 Cr. (Mar 2025) to 102.00 Cr., marking an increase of 338.00 Cr..
- For Tax %, as of Jun 2025, the value is -30.00%. The value appears to be improving (decreasing) as expected. It has decreased from -14.00% (Mar 2025) to -30.00%, marking a decrease of 16.00%.
- For Net Profit, as of Jun 2025, the value is 132.00 Cr.. The value appears strong and on an upward trend. It has increased from -203.00 Cr. (Mar 2025) to 132.00 Cr., marking an increase of 335.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.63. The value appears strong and on an upward trend. It has increased from -2.26 (Mar 2025) to 1.63, marking an increase of 3.89.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:53 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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,100 | 1,988 | 2,369 | 3,406 | 3,421 | 4,180 | 5,465 | 6,331 | 6,061 | 6,700 | 8,848 | 10,007 | 9,782 |
| Interest | 1,027 | 877 | 947 | 1,169 | 1,030 | 1,345 | 1,832 | 2,219 | 2,011 | 2,188 | 2,866 | 3,541 | 3,548 |
| Expenses | 678 | 648 | 820 | 1,011 | 1,344 | 1,365 | 1,547 | 1,669 | 2,133 | 2,317 | 2,848 | 4,567 | 4,954 |
| Financing Profit | 396 | 462 | 601 | 1,225 | 1,047 | 1,469 | 2,086 | 2,443 | 1,916 | 2,195 | 3,134 | 1,899 | 1,280 |
| Financing Margin % | 19% | 23% | 25% | 36% | 31% | 35% | 38% | 39% | 32% | 33% | 35% | 19% | 13% |
| Other Income | 11 | 5 | 3 | 3 | 58 | 63 | 86 | 44 | 65 | 50 | 72 | 34 | 12 |
| Depreciation | 64 | 54 | 56 | 63 | 68 | 75 | 164 | 171 | 198 | 204 | 246 | 267 | 278 |
| Profit before tax | 343 | 414 | 548 | 1,166 | 1,037 | 1,457 | 2,007 | 2,316 | 1,784 | 2,041 | 2,960 | 1,666 | 1,014 |
| Tax % | 34% | 34% | 35% | 35% | 35% | 35% | 26% | 26% | 26% | 26% | 26% | 28% | |
| Net Profit | 226 | 271 | 355 | 758 | 676 | 949 | 1,480 | 1,725 | 1,329 | 1,500 | 2,197 | 1,204 | 780 |
| EPS in Rs | 2.69 | 3.23 | 4.20 | 8.98 | 8.04 | 11.16 | 17.37 | 20.37 | 15.70 | 17.67 | 25.86 | 14.37 | 9.44 |
| Dividend Payout % | 67% | 42% | 54% | 17% | 25% | 19% | 16% | 10% | 19% | 17% | 13% | 28% |
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 (%) | 19.91% | 31.00% | 113.52% | -10.82% | 40.38% | 55.95% | 16.55% | -22.96% | 12.87% | 46.47% | -45.20% |
| Change in YoY Net Profit Growth (%) | 0.00% | 11.08% | 82.52% | -124.34% | 51.20% | 15.57% | -39.40% | -39.51% | 35.82% | 33.60% | -91.66% |
Manappuram Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
No data available for the compounded sales growth chart.
Balance Sheet
Last Updated: October 10, 2025, 2:30 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 | 168 | 168 | 168 | 168 | 169 | 169 | 169 | 169 | 169 | 169 | 169 | 169 |
| Reserves | 2,324 | 2,465 | 2,590 | 3,193 | 3,645 | 4,378 | 5,577 | 7,138 | 8,199 | 9,476 | 11,379 | 12,263 |
| Borrowing | 7,795 | 8,632 | 9,638 | 10,986 | 12,607 | 15,297 | 23,022 | 23,327 | 24,816 | 29,167 | 34,320 | 36,077 |
| Other Liabilities | 551 | 352 | 443 | 804 | 609 | 602 | 767 | 703 | 623 | 693 | 880 | 696 |
| Total Liabilities | 10,838 | 11,616 | 12,839 | 15,152 | 17,030 | 20,446 | 29,535 | 31,338 | 33,808 | 39,504 | 46,748 | 49,205 |
| Fixed Assets | 202 | 206 | 230 | 222 | 310 | 367 | 803 | 926 | 1,052 | 1,094 | 1,070 | 1,134 |
| CWIP | 5 | 1 | 0 | 1 | 0 | 1 | 3 | 8 | 13 | 17 | 33 | 11 |
| Investments | 796 | 217 | 49 | 5 | 5 | 174 | 90 | 338 | 421 | 534 | 726 | 788 |
| Other Assets | 9,836 | 11,193 | 12,560 | 14,925 | 16,715 | 19,904 | 28,639 | 30,066 | 32,322 | 37,860 | 44,918 | 47,272 |
| Total Assets | 10,838 | 11,616 | 12,839 | 15,152 | 17,030 | 20,446 | 29,535 | 31,338 | 33,808 | 39,504 | 46,748 | 49,205 |
Below is a detailed analysis of the balance sheet data for Manappuram 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 169.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 169.00 Cr..
- For Reserves, as of Mar 2025, the value is 12,263.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,379.00 Cr. (Mar 2024) to 12,263.00 Cr., marking an increase of 884.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 696.00 Cr.. The value appears to be improving (decreasing). It has decreased from 880.00 Cr. (Mar 2024) to 696.00 Cr., marking a decrease of 184.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 49,205.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 46,748.00 Cr. (Mar 2024) to 49,205.00 Cr., marking an increase of 2,457.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,134.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,070.00 Cr. (Mar 2024) to 1,134.00 Cr., marking an increase of 64.00 Cr..
- For CWIP, as of Mar 2025, the value is 11.00 Cr.. The value appears to be declining and may need further review. It has decreased from 33.00 Cr. (Mar 2024) to 11.00 Cr., marking a decrease of 22.00 Cr..
- For Investments, as of Mar 2025, the value is 788.00 Cr.. The value appears strong and on an upward trend. It has increased from 726.00 Cr. (Mar 2024) to 788.00 Cr., marking an increase of 62.00 Cr..
- For Other Assets, as of Mar 2025, the value is 47,272.00 Cr.. The value appears strong and on an upward trend. It has increased from 44,918.00 Cr. (Mar 2024) to 47,272.00 Cr., marking an increase of 2,354.00 Cr..
- For Total Assets, as of Mar 2025, the value is 49,205.00 Cr.. The value appears strong and on an upward trend. It has increased from 46,748.00 Cr. (Mar 2024) to 49,205.00 Cr., marking an increase of 2,457.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
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 | 671.00 | 640.00 | 811.00 | -9.00 | -11.00 | -14.00 | -22.00 | -22.00 | -22.00 | -27.00 | -32.00 | -32.00 |
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.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 11% | 13% | 25% | 19% | 22% | 28% | 26% | 17% | 17% | 21% | 10% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| DSP Small Cap Fund | 7,859,923 | 0.95 | 158.26 | 7,859,923 | 2025-04-22 17:25:27 | 0% |
| SBI Arbitrage Opportunities Fund | 4,914,000 | 0.32 | 98.94 | 4,914,000 | 2025-04-22 17:25:27 | 0% |
| Nippon India Arbitrage Fund | 4,683,000 | 0.62 | 94.29 | 4,683,000 | 2025-04-22 17:25:27 | 0% |
| Kotak Equity Arbitrage Fund - Regular Plan | 3,822,000 | 0.14 | 76.96 | 3,822,000 | 2025-04-22 17:25:27 | 0% |
| SBI Flexi Cap Fund | 3,749,439 | 0.32 | 75.5 | 3,749,439 | 2025-04-22 17:25:27 | 0% |
| ICICI Prudential Equity - Arbitrage Fund | 3,717,000 | 0.31 | 74.84 | 3,717,000 | 2025-04-22 17:25:27 | 0% |
| Bandhan Small Cap Fund | 3,693,889 | 0.88 | 74.38 | 3,693,889 | 2025-04-22 17:25:27 | 0% |
| Edelweiss Arbitrage Fund | 3,162,000 | 0.52 | 63.67 | 3,162,000 | 2025-04-22 17:25:27 | 0% |
| Quant Quantamental Fund | 3,000,000 | 2.29 | 60.41 | 3,000,000 | 2025-04-22 17:25:27 | 0% |
| DSP Arbitrage Fund | 2,781,000 | 0.91 | 56 | 2,781,000 | 2025-04-22 17:25:27 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 14.22 | 25.96 | 17.72 | 15.70 | 20.40 |
| Diluted EPS (Rs.) | 14.22 | 25.96 | 17.72 | 15.70 | 20.40 |
| Cash EPS (Rs.) | 17.38 | 28.87 | 20.13 | 18.04 | 22.40 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 146.88 | 136.43 | 113.95 | 99.06 | 86.90 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 146.88 | 136.43 | 113.95 | 99.06 | 86.90 |
| Revenue From Operations / Share (Rs.) | 118.22 | 104.53 | 78.97 | 71.61 | 74.80 |
| PBDIT / Share (Rs.) | 64.67 | 71.73 | 52.37 | 47.17 | 55.60 |
| PBIT / Share (Rs.) | 61.51 | 68.82 | 49.96 | 44.84 | 53.58 |
| PBT / Share (Rs.) | 19.68 | 34.96 | 24.11 | 21.07 | 27.36 |
| Net Profit / Share (Rs.) | 14.22 | 25.96 | 17.72 | 15.70 | 20.38 |
| NP After MI And SOA / Share (Rs.) | 14.37 | 25.86 | 17.67 | 15.70 | 20.37 |
| PBDIT Margin (%) | 54.70 | 68.62 | 66.31 | 65.87 | 74.33 |
| PBIT Margin (%) | 52.03 | 65.83 | 63.26 | 62.61 | 71.63 |
| PBT Margin (%) | 16.64 | 33.44 | 30.53 | 29.42 | 36.58 |
| Net Profit Margin (%) | 12.03 | 24.83 | 22.44 | 21.92 | 27.24 |
| NP After MI And SOA Margin (%) | 12.15 | 24.73 | 22.38 | 21.91 | 27.23 |
| Return on Networth / Equity (%) | 9.78 | 18.95 | 15.51 | 15.87 | 23.59 |
| Return on Capital Employeed (%) | 41.31 | 49.09 | 25.53 | 20.83 | 23.83 |
| Return On Assets (%) | 2.47 | 4.68 | 3.78 | 3.92 | 5.50 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.69 | 1.15 | 1.57 |
| Total Debt / Equity (X) | 2.85 | 2.91 | 2.95 | 2.88 | 3.11 |
| Asset Turnover Ratio (%) | 0.20 | 0.20 | 0.18 | 0.15 | 0.18 |
| Current Ratio (X) | 1.30 | 1.30 | 1.66 | 2.08 | 2.45 |
| Quick Ratio (X) | 1.30 | 1.30 | 1.66 | 2.08 | 2.45 |
| Dividend Payout Ratio (NP) (%) | 27.83 | 13.44 | 17.51 | 19.11 | 6.13 |
| Dividend Payout Ratio (CP) (%) | 22.82 | 12.08 | 15.41 | 16.63 | 5.58 |
| Earning Retention Ratio (%) | 72.17 | 86.56 | 82.49 | 80.89 | 93.87 |
| Cash Earning Retention Ratio (%) | 77.18 | 87.92 | 84.59 | 83.37 | 94.42 |
| Interest Coverage Ratio (X) | 1.55 | 2.12 | 2.03 | 1.99 | 2.12 |
| Interest Coverage Ratio (Post Tax) (X) | 1.34 | 1.77 | 1.69 | 1.66 | 1.78 |
| Enterprise Value (Cr.) | 51314.17 | 45148.65 | 35942.32 | 31052.28 | 32474.57 |
| EV / Net Operating Revenue (X) | 5.13 | 5.10 | 5.38 | 5.12 | 5.13 |
| EV / EBITDA (X) | 9.37 | 7.44 | 8.11 | 7.78 | 6.90 |
| MarketCap / Net Operating Revenue (X) | 1.97 | 1.66 | 1.57 | 1.59 | 1.99 |
| Retention Ratios (%) | 72.16 | 86.55 | 82.48 | 80.88 | 93.86 |
| Price / BV (X) | 1.58 | 1.27 | 1.09 | 1.15 | 1.73 |
| Price / Net Operating Revenue (X) | 1.97 | 1.66 | 1.57 | 1.59 | 1.99 |
| EarningsYield | 0.06 | 0.14 | 0.14 | 0.13 | 0.13 |
After reviewing the key financial ratios for Manappuram 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 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 14.22. This value is within the healthy range. It has decreased from 25.96 (Mar 24) to 14.22, marking a decrease of 11.74.
- For Diluted EPS (Rs.), as of Mar 25, the value is 14.22. This value is within the healthy range. It has decreased from 25.96 (Mar 24) to 14.22, marking a decrease of 11.74.
- For Cash EPS (Rs.), as of Mar 25, the value is 17.38. This value is within the healthy range. It has decreased from 28.87 (Mar 24) to 17.38, marking a decrease of 11.49.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 146.88. It has increased from 136.43 (Mar 24) to 146.88, marking an increase of 10.45.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 146.88. It has increased from 136.43 (Mar 24) to 146.88, marking an increase of 10.45.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 118.22. It has increased from 104.53 (Mar 24) to 118.22, marking an increase of 13.69.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 64.67. This value is within the healthy range. It has decreased from 71.73 (Mar 24) to 64.67, marking a decrease of 7.06.
- For PBIT / Share (Rs.), as of Mar 25, the value is 61.51. This value is within the healthy range. It has decreased from 68.82 (Mar 24) to 61.51, marking a decrease of 7.31.
- For PBT / Share (Rs.), as of Mar 25, the value is 19.68. This value is within the healthy range. It has decreased from 34.96 (Mar 24) to 19.68, marking a decrease of 15.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 14.22. This value is within the healthy range. It has decreased from 25.96 (Mar 24) to 14.22, marking a decrease of 11.74.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 14.37. This value is within the healthy range. It has decreased from 25.86 (Mar 24) to 14.37, marking a decrease of 11.49.
- For PBDIT Margin (%), as of Mar 25, the value is 54.70. This value is within the healthy range. It has decreased from 68.62 (Mar 24) to 54.70, marking a decrease of 13.92.
- For PBIT Margin (%), as of Mar 25, the value is 52.03. This value exceeds the healthy maximum of 20. It has decreased from 65.83 (Mar 24) to 52.03, marking a decrease of 13.80.
- For PBT Margin (%), as of Mar 25, the value is 16.64. This value is within the healthy range. It has decreased from 33.44 (Mar 24) to 16.64, marking a decrease of 16.80.
- For Net Profit Margin (%), as of Mar 25, the value is 12.03. This value exceeds the healthy maximum of 10. It has decreased from 24.83 (Mar 24) to 12.03, marking a decrease of 12.80.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 12.15. This value is within the healthy range. It has decreased from 24.73 (Mar 24) to 12.15, marking a decrease of 12.58.
- For Return on Networth / Equity (%), as of Mar 25, the value is 9.78. This value is below the healthy minimum of 15. It has decreased from 18.95 (Mar 24) to 9.78, marking a decrease of 9.17.
- For Return on Capital Employeed (%), as of Mar 25, the value is 41.31. This value is within the healthy range. It has decreased from 49.09 (Mar 24) to 41.31, marking a decrease of 7.78.
- For Return On Assets (%), as of Mar 25, the value is 2.47. This value is below the healthy minimum of 5. It has decreased from 4.68 (Mar 24) to 2.47, marking a decrease of 2.21.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 2.85. This value exceeds the healthy maximum of 1. It has decreased from 2.91 (Mar 24) to 2.85, marking a decrease of 0.06.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.20. There is no change compared to the previous period (Mar 24) which recorded 0.20.
- For Current Ratio (X), as of Mar 25, the value is 1.30. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 24) which recorded 1.30.
- For Quick Ratio (X), as of Mar 25, the value is 1.30. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.30.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 27.83. This value is within the healthy range. It has increased from 13.44 (Mar 24) to 27.83, marking an increase of 14.39.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 22.82. This value is within the healthy range. It has increased from 12.08 (Mar 24) to 22.82, marking an increase of 10.74.
- For Earning Retention Ratio (%), as of Mar 25, the value is 72.17. This value exceeds the healthy maximum of 70. It has decreased from 86.56 (Mar 24) to 72.17, marking a decrease of 14.39.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 77.18. This value exceeds the healthy maximum of 70. It has decreased from 87.92 (Mar 24) to 77.18, marking a decrease of 10.74.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.55. This value is below the healthy minimum of 3. It has decreased from 2.12 (Mar 24) to 1.55, marking a decrease of 0.57.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.34. This value is below the healthy minimum of 3. It has decreased from 1.77 (Mar 24) to 1.34, marking a decrease of 0.43.
- For Enterprise Value (Cr.), as of Mar 25, the value is 51,314.17. It has increased from 45,148.65 (Mar 24) to 51,314.17, marking an increase of 6,165.52.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.13. This value exceeds the healthy maximum of 3. It has increased from 5.10 (Mar 24) to 5.13, marking an increase of 0.03.
- For EV / EBITDA (X), as of Mar 25, the value is 9.37. This value is within the healthy range. It has increased from 7.44 (Mar 24) to 9.37, marking an increase of 1.93.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.97. This value is within the healthy range. It has increased from 1.66 (Mar 24) to 1.97, marking an increase of 0.31.
- For Retention Ratios (%), as of Mar 25, the value is 72.16. This value exceeds the healthy maximum of 70. It has decreased from 86.55 (Mar 24) to 72.16, marking a decrease of 14.39.
- For Price / BV (X), as of Mar 25, the value is 1.58. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.58, marking an increase of 0.31.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.97. This value is within the healthy range. It has increased from 1.66 (Mar 24) to 1.97, marking an increase of 0.31.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.14 (Mar 24) to 0.06, marking a decrease of 0.08.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.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 Manappuram Finance Ltd:
- Net Profit Margin: 12.03%
- 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.
- ROCE: 41.31% (Industry Average ROCE: 11.38%)
- 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.
- ROE%: 9.78% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.34
- 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.
- Quick Ratio: 1.3
- 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.
- Stock P/E: 50.2 (Industry average Stock P/E: 41.31)
- 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.
- Total Debt / Equity: 2.85
- 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.
Stock Rating: - Net Profit Margin: 12.03%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | W-4/638 A, Manappuram House, Valapad P.O, Thrissur Kerala 680567 | cosecretary@manappuram.com http://www.manappuram.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Shailesh Jayantilal Mehta | Chairman(NonExe.&Ind.Director) |
| Mr. V P Nandakumar | Managing Director & CEO |
| Dr. Sumitha Nandan | Executive Director |
| Mr. E K Bharat Bhushan | Ind. Non-Executive Director |
| Dr. Sankaran Nair Rajagopal | Ind. Non-Executive Director |
| Ms. Pratima Ram | Ind. Non-Executive Director |
| Mr. Abhijit Sen | Ind. Non-Executive Director |
| Mr. V P Seemanthini | Ind. Non-Executive Director |
| Mr. Harshan Kollara | Ind. Non-Executive Director |
| Mr. T C Suseel Kumar | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Manappuram Finance Ltd?
Manappuram Finance Ltd's intrinsic value (as of 04 November 2025) is 616.39 which is 131.73% higher the current market price of 266.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 22,549 Cr. market cap, FY2025-2026 high/low of 298/148, reserves of ₹12,263 Cr, and liabilities of 49,205 Cr.
What is the Market Cap of Manappuram Finance Ltd?
The Market Cap of Manappuram Finance Ltd is 22,549 Cr..
What is the current Stock Price of Manappuram Finance Ltd as on 04 November 2025?
The current stock price of Manappuram Finance Ltd as on 04 November 2025 is 266.
What is the High / Low of Manappuram Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Manappuram Finance Ltd stocks is 298/148.
What is the Stock P/E of Manappuram Finance Ltd?
The Stock P/E of Manappuram Finance Ltd is 50.2.
What is the Book Value of Manappuram Finance Ltd?
The Book Value of Manappuram Finance Ltd is 150.
What is the Dividend Yield of Manappuram Finance Ltd?
The Dividend Yield of Manappuram Finance Ltd is 1.31 %.
What is the ROCE of Manappuram Finance Ltd?
The ROCE of Manappuram Finance Ltd is 11.0 %.
What is the ROE of Manappuram Finance Ltd?
The ROE of Manappuram Finance Ltd is 10.1 %.
What is the Face Value of Manappuram Finance Ltd?
The Face Value of Manappuram Finance Ltd is 2.00.