Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:03 pm
| PEG Ratio | -3.28 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Manappuram Finance Ltd operates within the Finance & Investments sector, specializing in gold loans and other financial services. As of its latest reporting, the company’s stock price stood at ₹303, with a market capitalization of ₹25,625 Cr. The company reported a revenue increase from ₹1,715 Cr in December 2022 to ₹2,161 Cr by September 2023, reflecting a robust growth trajectory. The revenue for the trailing twelve months (TTM) was reported at ₹9,432 Cr, with an annual revenue of ₹10,007 Cr expected for FY 2025. This growth in revenue indicates a positive demand for its financial products, particularly in the gold loan segment, which has seen increased consumer interest amid fluctuating economic conditions. The company’s financing profit also rose significantly, peaking at ₹796 Cr in September 2023, although it experienced fluctuations thereafter. These trends highlight Manappuram’s resilience in a competitive landscape, driven by strategic positioning and market adaptability.
Profitability and Efficiency Metrics
Manappuram Finance’s profitability metrics showcased variability in recent quarters. The company reported a net profit of ₹425 Cr, with a P/E ratio of 62.8, which is relatively high compared to typical sector averages. The return on equity (ROE) for FY 2025 stood at 10.1%, while the return on capital employed (ROCE) was reported at 11.0%. These figures underline the company’s ability to generate returns on its equity and capital, though they are lower than the historical highs of 28% seen in FY 2020. The interest coverage ratio (ICR) of 1.55x indicates that the company can cover its interest expenses, although this is lower than previous years, suggesting a tightening margin. Additionally, the financing margin percentage peaked at 37% in September 2023 but declined to 16% by December 2025, indicating potential challenges in maintaining margins amid rising costs and competition.
Balance Sheet Strength and Financial Ratios
Manappuram Finance’s balance sheet reflects a solid equity capital base of ₹169 Cr and reserves amounting to ₹12,543 Cr, indicating a strong capital position. However, total borrowings rose significantly to ₹38,366 Cr, leading to a total debt-to-equity ratio of 2.85x, which is relatively high compared to industry norms. This reliance on debt financing could pose risks, especially if interest rates continue to rise. The company’s current and quick ratios both stood at 1.30, demonstrating adequate liquidity to meet short-term obligations. The book value per share increased to ₹146.88, enhancing shareholder value, while the price-to-book value ratio was reported at 1.58x, suggesting that the stock is trading at a premium relative to its book value. These financial ratios, coupled with a strategic focus on asset management, provide a mixed but generally stable view of Manappuram’s financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Manappuram Finance indicates a diversified ownership structure. Promoters held 35.25% of the shares, while foreign institutional investors (FIIs) accounted for 30.16%, reflecting strong institutional interest. Domestic institutional investors (DIIs) held 9.17%, and the public owned 25.41%, with a total of 5,65,794 shareholders reported. The gradual increase in FII holdings from 30.07% in December 2022 to 30.16% in September 2025 signals growing confidence among institutional investors. However, the decline in public shareholding from 23.16% in December 2022 to 25.41% in September 2025 may indicate a shift in retail investor confidence. This mixed pattern suggests that while institutional confidence remains robust, retail sentiment may be more cautious amid fluctuating performance metrics.
Outlook, Risks, and Final Insight
Looking ahead, Manappuram Finance faces both opportunities and challenges. The increase in revenue and the strong interest from institutional investors signal potential for continued growth. However, risks such as rising interest rates, which could affect borrowing costs, and the high debt-to-equity ratio may constrain profitability. Additionally, fluctuations in gold prices could impact the core business of gold loans. The company must effectively manage these risks while leveraging its strengths in market positioning and operational efficiency. In a scenario where interest rates stabilize and consumer demand for gold loans remains strong, Manappuram could see substantial growth. Conversely, any downturn in the economy or significant regulatory changes could impact its performance adversely. Overall, the company’s ability to adapt to changing market conditions will be crucial for its sustained success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 373 Cr. | 970 | 1,890/884 | 48.2 | 287 | 0.03 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 68.0 Cr. | 40.4 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 43.7 Cr. | 81.0 | 105/68.6 | 182 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 51.4 Cr. | 41.8 | 68.5/36.6 | 21.8 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.3 Cr. | 33.1 | 165/26.5 | 81.8 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,514.41 Cr | 1,423.41 | 179.05 | 3,633.97 | 0.41% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,715 | 1,776 | 2,030 | 2,161 | 2,305 | 2,348 | 2,488 | 2,633 | 2,560 | 2,327 | 2,262 | 2,273 | 2,353 |
| Interest | 566 | 589 | 648 | 689 | 749 | 779 | 848 | 906 | 925 | 862 | 855 | 876 | 945 |
| Expenses | 575 | 587 | 671 | 675 | 729 | 773 | 846 | 892 | 1,191 | 1,638 | 1,233 | 1,018 | 1,034 |
| Financing Profit | 574 | 600 | 710 | 796 | 827 | 796 | 793 | 835 | 444 | -172 | 174 | 380 | 374 |
| Financing Margin % | 33% | 34% | 35% | 37% | 36% | 34% | 32% | 32% | 17% | -7% | 8% | 17% | 16% |
| Other Income | 19 | 23 | 27 | 13 | 21 | 14 | 24 | 4 | 3 | 3 | 3 | 2 | 6 |
| Depreciation | 53 | 56 | 56 | 62 | 62 | 65 | 64 | 67 | 70 | 66 | 75 | 79 | 77 |
| Profit before tax | 541 | 567 | 681 | 747 | 786 | 746 | 753 | 773 | 376 | -236 | 102 | 302 | 303 |
| Tax % | 27% | 27% | 27% | 25% | 27% | 24% | 26% | 26% | 26% | -14% | -30% | 28% | 21% |
| Net Profit | 393 | 415 | 498 | 561 | 575 | 564 | 557 | 572 | 278 | -203 | 132 | 217 | 239 |
| EPS in Rs | 4.63 | 4.88 | 5.86 | 6.60 | 6.77 | 6.63 | 6.55 | 6.74 | 3.33 | -2.26 | 1.63 | 2.60 | 2.85 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 5, 2026, 2:05 am
Below is a detailed analysis of the quarterly data for Manappuram Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 945.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 876.00 Cr. (Sep 2025) to 945.00 Cr., marking an increase of 69.00 Cr..
- For Expenses, as of Dec 2025, the value is 1,034.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,018.00 Cr. (Sep 2025) to 1,034.00 Cr., marking an increase of 16.00 Cr..
- For Other Income, as of Dec 2025, the value is 6.00 Cr.. The value appears strong and on an upward trend. It has increased from 2.00 Cr. (Sep 2025) to 6.00 Cr., marking an increase of 4.00 Cr..
- For Depreciation, as of Dec 2025, the value is 77.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 79.00 Cr. (Sep 2025) to 77.00 Cr., marking a decrease of 2.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 303.00 Cr.. The value appears strong and on an upward trend. It has increased from 302.00 Cr. (Sep 2025) to 303.00 Cr., marking an increase of 1.00 Cr..
- For Tax %, as of Dec 2025, the value is 21.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.00% (Sep 2025) to 21.00%, marking a decrease of 7.00%.
- For Net Profit, as of Dec 2025, the value is 239.00 Cr.. The value appears strong and on an upward trend. It has increased from 217.00 Cr. (Sep 2025) to 239.00 Cr., marking an increase of 22.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 2.85. The value appears strong and on an upward trend. It has increased from 2.60 (Sep 2025) to 2.85, marking an increase of 0.25.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:00 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 | 9,432 |
| Interest | 1,027 | 877 | 947 | 1,169 | 1,030 | 1,345 | 1,832 | 2,219 | 2,011 | 2,188 | 2,866 | 3,541 | 3,518 |
| Expenses | 678 | 648 | 820 | 1,011 | 1,344 | 1,365 | 1,547 | 1,669 | 2,133 | 2,317 | 2,848 | 4,567 | 5,090 |
| Financing Profit | 396 | 462 | 601 | 1,225 | 1,047 | 1,469 | 2,086 | 2,443 | 1,916 | 2,195 | 3,134 | 1,899 | 824 |
| Financing Margin % | 19% | 23% | 25% | 36% | 31% | 35% | 38% | 39% | 32% | 33% | 35% | 19% | 9% |
| Other Income | 11 | 5 | 3 | 3 | 58 | 63 | 86 | 44 | 65 | 50 | 72 | 34 | 10 |
| Depreciation | 64 | 54 | 56 | 63 | 68 | 75 | 164 | 171 | 198 | 204 | 246 | 267 | 291 |
| Profit before tax | 343 | 414 | 548 | 1,166 | 1,037 | 1,457 | 2,007 | 2,316 | 1,784 | 2,041 | 2,960 | 1,666 | 544 |
| 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 | 425 |
| 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 | 5.30 |
| 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: February 1, 2026, 1:02 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 168 | 168 | 168 | 168 | 169 | 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 | 12,543 |
| 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 | 38,366 |
| Other Liabilities | 551 | 352 | 443 | 804 | 609 | 602 | 767 | 703 | 623 | 693 | 880 | 696 | 578 |
| 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 | 51,657 |
| Fixed Assets | 202 | 206 | 230 | 222 | 310 | 367 | 803 | 926 | 1,052 | 1,094 | 1,070 | 1,134 | 1,117 |
| CWIP | 5 | 1 | 0 | 1 | 0 | 1 | 3 | 8 | 13 | 17 | 33 | 11 | 13 |
| Investments | 796 | 217 | 49 | 5 | 5 | 174 | 90 | 338 | 421 | 534 | 726 | 788 | 1,239 |
| 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 | 49,288 |
| 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 | 51,657 |
Below is a detailed analysis of the balance sheet data for Manappuram Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 169.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 169.00 Cr..
- For Reserves, as of Sep 2025, the value is 12,543.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,263.00 Cr. (Mar 2025) to 12,543.00 Cr., marking an increase of 280.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 578.00 Cr.. The value appears to be improving (decreasing). It has decreased from 696.00 Cr. (Mar 2025) to 578.00 Cr., marking a decrease of 118.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 51,657.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 49,205.00 Cr. (Mar 2025) to 51,657.00 Cr., marking an increase of 2,452.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,117.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,134.00 Cr. (Mar 2025) to 1,117.00 Cr., marking a decrease of 17.00 Cr..
- For CWIP, as of Sep 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Mar 2025) to 13.00 Cr., marking an increase of 2.00 Cr..
- For Investments, as of Sep 2025, the value is 1,239.00 Cr.. The value appears strong and on an upward trend. It has increased from 788.00 Cr. (Mar 2025) to 1,239.00 Cr., marking an increase of 451.00 Cr..
- For Other Assets, as of Sep 2025, the value is 49,288.00 Cr.. The value appears strong and on an upward trend. It has increased from 47,272.00 Cr. (Mar 2025) to 49,288.00 Cr., marking an increase of 2,016.00 Cr..
- For Total Assets, as of Sep 2025, the value is 51,657.00 Cr.. The value appears strong and on an upward trend. It has increased from 49,205.00 Cr. (Mar 2025) to 51,657.00 Cr., marking an increase of 2,452.00 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
| 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
| 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 Flexi Cap Fund | 5,962,850 | 1.49 | 183.98 | N/A | N/A | N/A |
| SBI Flexicap Fund | 4,500,000 | 0.59 | 138.85 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 4,323,000 | 0.67 | 133.39 | 4,392,000 | 2026-01-26 07:24:43 | -1.57% |
| Bandhan Small Cap Fund | 3,836,895 | 0.62 | 118.39 | 4,256,895 | 2026-01-26 07:24:43 | -9.87% |
| DSP Small Cap Fund | 3,331,650 | 0.61 | 102.8 | 7,859,923 | 2025-12-08 01:43:27 | -57.61% |
| DSP ELSS Tax Saver Fund | 3,251,658 | 0.57 | 100.33 | N/A | N/A | N/A |
| DSP Large & Mid Cap Fund | 2,898,677 | 0.51 | 89.44 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 2,731,940 | 1.71 | 84.29 | N/A | N/A | N/A |
| ICICI Prudential Multicap Fund | 2,469,690 | 0.47 | 76.2 | N/A | N/A | N/A |
| Mahindra Manulife Multi Cap Fund | 2,012,466 | 1.01 | 62.09 | N/A | N/A | N/A |
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
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: 64 (Industry average Stock P/E: 179.05)
- 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 | Contact not found |
| 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 12 February 2026) is ₹631.31 which is 104.31% higher the current market price of ₹309.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹26,121 Cr. market cap, FY2025-2026 high/low of ₹322/169, reserves of ₹12,543 Cr, and liabilities of ₹51,657 Cr.
What is the Market Cap of Manappuram Finance Ltd?
The Market Cap of Manappuram Finance Ltd is 26,121 Cr..
What is the current Stock Price of Manappuram Finance Ltd as on 12 February 2026?
The current stock price of Manappuram Finance Ltd as on 12 February 2026 is ₹309.
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 ₹322/169.
What is the Stock P/E of Manappuram Finance Ltd?
The Stock P/E of Manappuram Finance Ltd is 64.0.
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 1.13 %.
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.