Manappuram Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 8, 2025, 5:20 pm

Quick Insight

Manappuram Finance Ltd, currently trading at ₹266 with a market capitalization of ₹22,486 crore, presents a mixed picture for potential investors. The company's P/E ratio of 18.7 suggests a moderate valuation relative to its earnings, while a return on equity (ROE) of 10.0% and return on capital employed (ROCE) of 11.0% indicate reasonable efficiency in generating returns from its capital. Notably, with institutional investors holding 41.33% of the stock (30.36% by FIIs and 10.97% by DIIs), there is significant confidence in the company's prospects. However, the absence of data on reserves and borrowings necessitates caution. Given the current metrics, investors should weigh the growth potential against the lack of transparency and consider this stock as a speculative addition to a diversified portfolio.

Competitors of Manappuram Finance Ltd

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Quarterly Result

Last Updated: May 31, 2025, 8:29 am

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

• For Interest, as of Mar 2025, the value is 895.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 925.00 Cr. (Dec 2024) to 895.00 Cr., marking a decrease of 30.00 Cr..
• For Expenses, as of Mar 2025, the value is 1,638.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,191.00 Cr. (Dec 2024) to 1,638.00 Cr., marking an increase of 447.00 Cr..
• For Other Income, as of Mar 2025, the value is 4.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Dec 2024) to 4.00 Cr., marking an increase of 1.00 Cr..
• For Depreciation, as of Mar 2025, the value is 66.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 70.00 Cr. (Dec 2024) to 66.00 Cr., marking a decrease of 4.00 Cr..
• For Profit before tax, as of Mar 2025, the value is -236.00 Cr.. The value appears to be declining and may need further review. It has decreased from 376.00 Cr. (Dec 2024) to -236.00 Cr., marking a decrease of 612.00 Cr..
• For Tax %, as of Mar 2025, the value is -14.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Dec 2024) to -14.00%, marking a decrease of 40.00%.
• For Net Profit, as of Mar 2025, the value is -203.00 Cr.. The value appears to be declining and may need further review. It has decreased from 278.00 Cr. (Dec 2024) to -203.00 Cr., marking a decrease of 481.00 Cr..
• For EPS in Rs, as of Mar 2025, the value is -2.26. The value appears to be declining and may need further review. It has decreased from 3.33 (Dec 2024) to -2.26, marking a decrease of 5.59.

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

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 5:58 am

Growth

Last Updated: Unknown

Cash Flow

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
• For Basic EPS (Rs.), as of Mar 24, the value is 25.96. This value is within the healthy range. It has increased from 17.72 (Mar 23) to 25.96, marking an increase of 8.24.
• For Diluted EPS (Rs.), as of Mar 24, the value is 25.96. This value is within the healthy range. It has increased from 17.72 (Mar 23) to 25.96, marking an increase of 8.24.
• For Cash EPS (Rs.), as of Mar 24, the value is 28.87. This value is within the healthy range. It has increased from 20.13 (Mar 23) to 28.87, marking an increase of 8.74.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 136.77. It has increased from 114.19 (Mar 23) to 136.77, marking an increase of 22.58.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 136.77. It has increased from 114.19 (Mar 23) to 136.77, marking an increase of 22.58.
• For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 104.53. It has increased from 78.97 (Mar 23) to 104.53, marking an increase of 25.56.
• For PBDIT / Share (Rs.), as of Mar 24, the value is 71.73. This value is within the healthy range. It has increased from 52.37 (Mar 23) to 71.73, marking an increase of 19.36.
• For PBIT / Share (Rs.), as of Mar 24, the value is 68.82. This value is within the healthy range. It has increased from 49.96 (Mar 23) to 68.82, marking an increase of 18.86.
• For PBT / Share (Rs.), as of Mar 24, the value is 34.96. This value is within the healthy range. It has increased from 24.11 (Mar 23) to 34.96, marking an increase of 10.85.
• For Net Profit / Share (Rs.), as of Mar 24, the value is 25.96. This value is within the healthy range. It has increased from 17.72 (Mar 23) to 25.96, marking an increase of 8.24.
• For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 25.86. This value is within the healthy range. It has increased from 17.67 (Mar 23) to 25.86, marking an increase of 8.19.
• For PBDIT Margin (%), as of Mar 24, the value is 68.62. This value is within the healthy range. It has increased from 66.31 (Mar 23) to 68.62, marking an increase of 2.31.
• For PBIT Margin (%), as of Mar 24, the value is 65.83. This value exceeds the healthy maximum of 20. It has increased from 63.26 (Mar 23) to 65.83, marking an increase of 2.57.
• For PBT Margin (%), as of Mar 24, the value is 33.44. This value is within the healthy range. It has increased from 30.53 (Mar 23) to 33.44, marking an increase of 2.91.
• For Net Profit Margin (%), as of Mar 24, the value is 24.83. This value exceeds the healthy maximum of 10. It has increased from 22.44 (Mar 23) to 24.83, marking an increase of 2.39.
• For NP After MI And SOA Margin (%), as of Mar 24, the value is 24.73. This value exceeds the healthy maximum of 20. It has increased from 22.38 (Mar 23) to 24.73, marking an increase of 2.35.
• For Return on Networth / Equity (%), as of Mar 24, the value is 18.95. This value is within the healthy range. It has increased from 15.51 (Mar 23) to 18.95, marking an increase of 3.44.
• For Return on Capital Employeed (%), as of Mar 24, the value is 49.09. This value is within the healthy range. It has increased from 25.53 (Mar 23) to 49.09, marking an increase of 23.56.
• For Return On Assets (%), as of Mar 24, the value is 4.68. This value is below the healthy minimum of 5. It has increased from 3.78 (Mar 23) to 4.68, marking an increase of 0.90.
• For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.69 (Mar 23) to 0.00, marking a decrease of 0.69.
• For Total Debt / Equity (X), as of Mar 24, the value is 2.91. This value exceeds the healthy maximum of 1. It has decreased from 2.95 (Mar 23) to 2.91, marking a decrease of 0.04.
• For Asset Turnover Ratio (%), as of Mar 24, the value is 0.20. It has increased from 0.15 (Mar 23) to 0.20, marking an increase of 0.05.
• For Current Ratio (X), as of Mar 24, the value is 1.30. This value is below the healthy minimum of 1.5. It has decreased from 1.66 (Mar 23) to 1.30, marking a decrease of 0.36.
• For Quick Ratio (X), as of Mar 24, the value is 1.30. This value is within the healthy range. It has decreased from 1.66 (Mar 23) to 1.30, marking a decrease of 0.36.
• For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 17.51 (Mar 23) to 0.00, marking a decrease of 17.51.
• For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 15.41 (Mar 23) to 0.00, marking a decrease of 15.41.
• For Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 82.49 (Mar 23) to 0.00, marking a decrease of 82.49.
• For Cash Earning Retention Ratio (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 84.59 (Mar 23) to 0.00, marking a decrease of 84.59.
• For Interest Coverage Ratio (X), as of Mar 24, the value is 2.12. This value is below the healthy minimum of 3. It has increased from 2.03 (Mar 23) to 2.12, marking an increase of 0.09.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.77. This value is below the healthy minimum of 3. It has increased from 1.69 (Mar 23) to 1.77, marking an increase of 0.08.
• For Enterprise Value (Cr.), as of Mar 24, the value is 45,148.91. It has increased from 35,942.32 (Mar 23) to 45,148.91, marking an increase of 9,206.59.
• For EV / Net Operating Revenue (X), as of Mar 24, the value is 5.10. This value exceeds the healthy maximum of 3. It has decreased from 5.38 (Mar 23) to 5.10, marking a decrease of 0.28.
• For EV / EBITDA (X), as of Mar 24, the value is 7.44. This value is within the healthy range. It has decreased from 8.11 (Mar 23) to 7.44, marking a decrease of 0.67.
• For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.66. This value is within the healthy range. It has increased from 1.57 (Mar 23) to 1.66, marking an increase of 0.09.
• For Retention Ratios (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 82.48 (Mar 23) to 0.00, marking a decrease of 82.48.
• For Price / BV (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has increased from 1.09 (Mar 23) to 1.27, marking an increase of 0.18.
• For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.66. This value is within the healthy range. It has increased from 1.57 (Mar 23) to 1.66, marking an increase of 0.09.
• For EarningsYield, as of Mar 24, the value is 0.14. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.14.

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

Fair Value

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Strength and Weakness