Share Price and Basic Stock Data
Last Updated: January 3, 2026, 11:50 am
| PEG Ratio | -3.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Manappuram Finance Ltd, a prominent player in the Finance & Investments sector, reported a share price of ₹311 and a market capitalization of ₹26,337 Cr. The company has shown a consistent upward trajectory in revenue, with reported figures rising from ₹1,696 Cr in September 2022 to ₹2,161 Cr in September 2023, marking a year-on-year growth of approximately 27.4%. This growth trajectory continued into subsequent quarters, with December 2023 revenue recorded at ₹2,305 Cr and projected revenue for March 2024 at ₹2,348 Cr. On an annual basis, revenue stood at ₹6,700 Cr for the fiscal year ending March 2023, with a substantial increase anticipated to ₹10,007 Cr for the fiscal year ending March 2025. The company’s ability to drive revenue growth amidst a competitive landscape underscores its strategic positioning in the financial services sector.
Profitability and Efficiency Metrics
Manappuram Finance’s profitability metrics reflect a mixed performance, with a net profit of ₹425 Cr reported for the fiscal year ending March 2025, down from ₹1,204 Cr in March 2024. The interest coverage ratio (ICR) stood at 1.55x, indicating a moderate ability to cover interest expenses, which is critical for a financing entity. The financing profit for September 2023 was recorded at ₹796 Cr, with a financing margin of 37%, showcasing an efficient management of interest income relative to expenses. However, the company faced fluctuations in net profit margins, which declined to 12.03% in March 2025 from 24.83% in March 2024. Despite these challenges, the return on equity (ROE) stood at 10.1%, demonstrating a reasonable return on shareholders’ investments, albeit lower than previous years’ highs.
Balance Sheet Strength and Financial Ratios
Manappuram Finance’s balance sheet reveals a robust capital structure, with total reserves reported at ₹12,543 Cr as of September 2025. The company’s total liabilities amounted to ₹51,657 Cr, with borrowings increasing from ₹29,167 Cr in March 2023 to ₹38,366 Cr by September 2025. The debt-to-equity ratio stood at 2.85x, indicating a leveraged position, which could pose risks during periods of rising interest rates. The company’s book value per share increased to ₹146.88 in March 2025 from ₹113.95 in March 2023, showcasing a strengthening net asset position. Financial ratios such as the total debt to equity and interest coverage ratio indicate a cautious approach to managing leverage, although a higher debt level may amplify financial risks in adverse market conditions.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Manappuram Finance indicates a diverse ownership structure, with promoters holding 35.25% of shares, while foreign institutional investors (FIIs) accounted for 30.16%. Domestic institutional investors (DIIs) held 9.17%, and the public stake stood at 25.41%. The total number of shareholders decreased to 5,65,794 by September 2025 from a peak of 6,66,703 in December 2024, suggesting a potential shift in investor sentiment. The relatively stable promoter holding and increasing FII stake reflect confidence in the company’s long-term growth potential. However, the decline in the public shareholding may indicate a need for enhanced investor engagement strategies to maintain broader market interest and support.
Outlook, Risks, and Final Insight
Looking ahead, Manappuram Finance faces both opportunities and challenges. The company’s revenue growth trajectory and strong reserves provide a solid foundation for future expansion. However, the increasing borrowings and high debt-to-equity ratio present significant risks, especially in a rising interest rate environment, which could pressure margins and profitability. Additionally, fluctuations in net profit margins and the recent decline in net income suggest operational vulnerabilities that need addressing. To navigate these challenges successfully, the company may focus on optimizing its cost structure and enhancing operational efficiencies. Overall, while the financial outlook appears promising, vigilance regarding leverage and operational performance will be essential for sustaining growth and shareholder value.
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 | 423 Cr. | 1,102 | 1,900/1,000 | 54.8 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 67.3 Cr. | 40.0 | 55.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 45.8 Cr. | 85.0 | 161/68.6 | 191 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 58.9 Cr. | 45.2 | 68.5/37.0 | 52.1 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 10.9 Cr. | 29.4 | 165/26.5 | 68.1 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,226.41 Cr | 1,492.98 | 47.97 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,696 | 1,715 | 1,776 | 2,030 | 2,161 | 2,305 | 2,348 | 2,488 | 2,633 | 2,560 | 2,327 | 2,262 | 2,283 |
| Interest | 528 | 566 | 589 | 648 | 689 | 749 | 779 | 848 | 906 | 925 | 862 | 855 | 876 |
| Expenses | 587 | 575 | 587 | 671 | 675 | 729 | 773 | 846 | 892 | 1,191 | 1,638 | 1,233 | 1,028 |
| Financing Profit | 581 | 574 | 600 | 710 | 796 | 827 | 796 | 793 | 835 | 444 | -172 | 174 | 380 |
| Financing Margin % | 34% | 33% | 34% | 35% | 37% | 36% | 34% | 32% | 32% | 17% | -7% | 8% | 17% |
| Other Income | 18 | 19 | 23 | 27 | 13 | 21 | 14 | 24 | 4 | 3 | 3 | 3 | 2 |
| Depreciation | 46 | 53 | 56 | 56 | 62 | 62 | 65 | 64 | 67 | 70 | 66 | 75 | 79 |
| Profit before tax | 553 | 541 | 567 | 681 | 747 | 786 | 746 | 753 | 773 | 376 | -236 | 102 | 302 |
| Tax % | 26% | 27% | 27% | 27% | 25% | 27% | 24% | 26% | 26% | 26% | -14% | -30% | 28% |
| Net Profit | 409 | 393 | 415 | 498 | 561 | 575 | 564 | 557 | 572 | 278 | -203 | 132 | 217 |
| EPS in Rs | 4.82 | 4.63 | 4.88 | 5.86 | 6.60 | 6.77 | 6.63 | 6.55 | 6.74 | 3.33 | -2.26 | 1.63 | 2.60 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 30, 2025, 1:37 am
Below is a detailed analysis of the quarterly data for Manappuram Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 876.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 855.00 Cr. (Jun 2025) to 876.00 Cr., marking an increase of 21.00 Cr..
- For Expenses, as of Sep 2025, the value is 1,028.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,233.00 Cr. (Jun 2025) to 1,028.00 Cr., marking a decrease of 205.00 Cr..
- For Other Income, as of Sep 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Jun 2025) to 2.00 Cr., marking a decrease of 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 79.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 75.00 Cr. (Jun 2025) to 79.00 Cr., marking an increase of 4.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 302.00 Cr.. The value appears strong and on an upward trend. It has increased from 102.00 Cr. (Jun 2025) to 302.00 Cr., marking an increase of 200.00 Cr..
- For Tax %, as of Sep 2025, the value is 28.00%. The value appears to be increasing, which may not be favorable. It has increased from -30.00% (Jun 2025) to 28.00%, marking an increase of 58.00%.
- For Net Profit, as of Sep 2025, the value is 217.00 Cr.. The value appears strong and on an upward trend. It has increased from 132.00 Cr. (Jun 2025) to 217.00 Cr., marking an increase of 85.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 2.60. The value appears strong and on an upward trend. It has increased from 1.63 (Jun 2025) to 2.60, marking an increase of 0.97.
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: December 10, 2025, 3:03 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 | 1.37 | 169.91 | N/A | N/A | N/A |
| SBI Flexicap Fund | 4,500,000 | 0.54 | 128.23 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 4,392,000 | 0.62 | 125.15 | 1,614,000 | 2025-12-15 04:27:26 | 172.12% |
| Bandhan Small Cap Fund | 4,256,895 | 0.67 | 121.3 | 3,693,889 | 2025-12-08 01:43:27 | 15.24% |
| DSP Small Cap Fund | 3,331,650 | 0.56 | 94.94 | 7,859,923 | 2025-12-08 01:43:27 | -57.61% |
| DSP ELSS Tax Saver Fund | 3,251,658 | 0.53 | 92.66 | N/A | N/A | N/A |
| DSP Large & Mid Cap Fund | 2,898,677 | 0.48 | 82.6 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 2,731,940 | 1.54 | 77.85 | N/A | N/A | N/A |
| ICICI Prudential Multicap Fund | 2,469,690 | 0.44 | 70.37 | N/A | N/A | N/A |
| DSP Focused Fund | 1,824,610 | 1.92 | 51.99 | 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: 58.6 (Industry average Stock P/E: 47.97)
- 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 04 January 2026) is ₹718.19 which is 130.93% higher the current market price of ₹311.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹26,337 Cr. market cap, FY2025-2026 high/low of ₹319/169, 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 26,337 Cr..
What is the current Stock Price of Manappuram Finance Ltd as on 04 January 2026?
The current stock price of Manappuram Finance Ltd as on 04 January 2026 is ₹311.
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 ₹319/169.
What is the Stock P/E of Manappuram Finance Ltd?
The Stock P/E of Manappuram Finance Ltd is 58.6.
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 1.12 %.
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.