WEBSITE BSE:531213 NSE: MANAP FIN Inc. Year: 1992 Industry: Finance - NBFC
Last updated: 09:59
Manappuram Finance Ltd is an primarily India based NBFC. The Company provides various retail credit products and economic services. It operates through two segments: Gold mortgage & others and Microfinance. Its product services consist of gold loans, microfinance, housing finance commercial enterprise, car and equipment finance commercial enterprise and others. It gives 3 styles of loan under microfinance, consisting of Income producing program (IGP) mortgage, product loan and small and medium-sized organizations small and medium establishments...Read More
Manappuram Finance Ltd is an primarily India based NBFC. The Company provides various retail credit products and economic services. It operates through two segments: Gold mortgage & others and Microfinance. Its product services consist of gold loans, microfinance, housing finance commercial enterprise, car and equipment finance commercial enterprise and others. It gives 3 styles of loan under microfinance, consisting of Income producing program (IGP) mortgage, product loan and small and medium-sized organizations small and medium establishments (SME) loan. It gives business vehicle loans and device finance. Its other products and services encompass forex and money transfer and insurance dealer. The Company’s subsidiaries encompass Asirvad Microfinance Ltd (AML), Manappuram Home Finance Ltd (MHF) and Manappuram Insurance Brokers Ltd (MAIBRO). ...Read Less
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Market Cap ₹25698 Cr.
Stock P/E 21.3
P/B 2
Current Price ₹303.6
Book Value ₹ 153
Face Value 2
52W High ₹321
Dividend Yield 1.32%
52W Low ₹ 169.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2161 | 2305 | 2348 | 2488 | 2633 | 2560 | 2360 | 2262 | 2283 | 2353 |
| Other Income | 13 | 21 | 14 | 24 | 4 | 3 | 4 | 3 | 2 | 6 |
| Total Income | 2174 | 2327 | 2362 | 2512 | 2637 | 2563 | 2363 | 2265 | 2285 | 2359 |
| Total Expenditure | 675 | 729 | 773 | 846 | 892 | 1191 | 1638 | 1233 | 1028 | 1034 |
| Operating Profit | 1499 | 1598 | 1590 | 1665 | 1745 | 1372 | 725 | 1032 | 1257 | 1325 |
| Interest Expense | 689 | 749 | 779 | 848 | 906 | 925 | 895 | 855 | 876 | 945 |
| Depreciation | 63 | 62 | 65 | 64 | 67 | 70 | 66 | 75 | 79 | 77 |
| Profit Before Tax | 747 | 786 | 746 | 753 | 773 | 376 | -236 | 102 | 302 | 303 |
| Provision for Tax | 186 | 211 | 182 | 196 | 201 | 98 | -33 | -31 | 85 | 64 |
| Profit After Tax | 561 | 575 | 564 | 557 | 572 | 278 | -203 | 132 | 217 | 239 |
| Adjustments | -2 | -2 | -2 | -2 | -1 | 4 | 12 | 6 | 3 | 3 |
| Profit After Adjustments | 558 | 573 | 562 | 555 | 571 | 282 | -191 | 138 | 220 | 241 |
| Adjusted Earnings Per Share | 6.6 | 6.8 | 6.6 | 6.6 | 6.7 | 3.3 | -2.3 | 1.6 | 2.6 | 2.8 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1986 | 2360 | 3385 | 3421 | 4180 | 5465 | 6331 | 6061 | 6700 | 8848 | 10007 | 9258 |
| Other Income | 7 | 11 | 24 | 58 | 63 | 86 | 44 | 65 | 50 | 72 | 34 | 15 |
| Total Income | 1993 | 2371 | 3409 | 3479 | 4242 | 5552 | 6375 | 6126 | 6750 | 8920 | 10041 | 9272 |
| Total Expenditure | 648 | 820 | 1011 | 1344 | 1365 | 1548 | 1669 | 2134 | 2317 | 2848 | 4567 | 4933 |
| Operating Profit | 1345 | 1552 | 2398 | 2136 | 2877 | 4004 | 4706 | 3993 | 4433 | 6072 | 5474 | 4339 |
| Interest Expense | 877 | 947 | 1169 | 1030 | 1345 | 1832 | 2219 | 2011 | 2188 | 2866 | 3541 | 3571 |
| Depreciation | 54 | 56 | 63 | 68 | 75 | 164 | 171 | 198 | 204 | 246 | 267 | 297 |
| Profit Before Tax | 414 | 548 | 1166 | 1037 | 1457 | 2007 | 2316 | 1784 | 2041 | 2960 | 1666 | 471 |
| Provision for Tax | 142 | 193 | 407 | 361 | 508 | 527 | 591 | 455 | 541 | 762 | 462 | 85 |
| Profit After Tax | 271 | 355 | 758 | 676 | 949 | 1480 | 1725 | 1329 | 1500 | 2197 | 1204 | 385 |
| Adjustments | -0 | -2 | -3 | 0 | 0 | -13 | -1 | -0 | -4 | -9 | 12 | 24 |
| Profit After Adjustments | 271 | 353 | 756 | 676 | 949 | 1468 | 1724 | 1328 | 1496 | 2189 | 1216 | 408 |
| Adjusted Earnings Per Share | 3.2 | 4.2 | 9 | 8 | 11.3 | 17.4 | 20.4 | 15.7 | 17.7 | 25.9 | 14.4 | 4.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 13% | 18% | 13% | 18% |
| Operating Profit CAGR | -10% | 11% | 6% | 15% |
| PAT CAGR | -45% | -3% | -4% | 16% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 48% | 38% | 12% | 26% |
| ROE Average | 10% | 16% | 18% | 19% |
| ROCE Average | 11% | 12% | 13% | 14% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 2638 | 2758 | 3362 | 3813 | 4547 | 5746 | 7307 | 8368 | 9645 | 11548 | 12432 |
| Minority's Interest | 15 | 21 | 24 | 29 | 46 | 58 | 47 | 16 | 20 | 29 | 17 |
| Borrowings | 1642 | 1600 | 3122 | 4780 | 5605 | 13687 | 17344 | 15925 | 21961 | 12711 | 16442 |
| Current Liability | 7211 | 8333 | 8520 | 8374 | 10204 | 9990 | 6476 | 9441 | 7812 | 21662 | 19570 |
| Other Liabilities & Provisions | 79 | 84 | 46 | -77 | -32 | -47 | -22 | -117 | -83 | 597 | 5714 |
| Total Liabilities | 11585 | 12796 | 15075 | 16920 | 20369 | 29434 | 31152 | 33634 | 39356 | 46546 | 54175 |
| Loans | 106 | 484 | 759 | 3398 | 4840 | 6671 | 6485 | 7934 | 12738 | 40948 | 42252 |
| Investments | 5 | 5 | 5 | 5 | 0 | 0 | 307 | 414 | 534 | 721 | 470 |
| Fixed Assets | 206 | 230 | 222 | 310 | 367 | 803 | 926 | 1052 | 1094 | 1070 | 1134 |
| Other Loans | 156 | 135 | 116 | 168 | 226 | 205 | 130 | 210 | 157 | 75 | 5500 |
| Other Non Current Assets | 44 | 48 | 63 | 32 | 43 | 5 | 34 | 43 | 60 | 250 | 265 |
| Current Assets | 11068 | 11893 | 13910 | 13007 | 14893 | 21751 | 23270 | 23981 | 24773 | 3483 | 4555 |
| Total Assets | 11585 | 12796 | 15075 | 16920 | 20369 | 29434 | 31152 | 33634 | 39356 | 46546 | 54175 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 651 | 677 | 427 | 373 | 484 | 840 | 3296 | 2548 | 2371 | 2500 | 2542 |
| Cash Flow from Operating Activities | -888 | -1042 | -1271 | -33 | -1661 | -3620 | -619 | -423 | -3103 | -3450 | -467 |
| Cash Flow from Investing Activities | 598 | 72 | -25 | -148 | -371 | 26 | -186 | -193 | -616 | -601 | -125 |
| Cash Flow from Financing Activities | 265 | 772 | 1211 | 293 | 2388 | 6049 | 59 | 438 | 3849 | 4092 | 1132 |
| Net Cash Inflow / Outflow | -25 | -198 | -84 | 112 | 356 | 2455 | -747 | -177 | 130 | 41 | 541 |
| Closing Cash & Cash Equivalent | 677 | 479 | 343 | 484 | 840 | 3296 | 2548 | 2371 | 2500 | 2542 | 3083 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 3.23 | 4.19 | 8.98 | 8.02 | 11.25 | 17.37 | 20.37 | 15.7 | 17.67 | 25.86 | 14.37 |
| CEPS(Rs) | 3.87 | 4.89 | 9.76 | 8.83 | 12.15 | 19.46 | 22.4 | 18.04 | 20.13 | 28.87 | 17.38 |
| DPS(Rs) | 1.35 | 2.25 | 2 | 2 | 2.15 | 2.75 | 1.25 | 3 | 3 | 3.3 | 4 |
| Book NAV/Share(Rs) | 31.3 | 32.79 | 39.93 | 44.98 | 53.58 | 67.3 | 86.18 | 98.71 | 113.79 | 136.43 | 146.88 |
| Net Profit Margin | 13.67 | 15.05 | 22.4 | 19.76 | 22.7 | 27.09 | 27.25 | 21.92 | 22.39 | 24.84 | 12.03 |
| Operating Margin | 64.99 | 63.37 | 68.96 | 60.44 | 67.03 | 70.25 | 71.64 | 62.61 | 63.12 | 65.84 | 52.03 |
| PBT Margin | 20.83 | 23.23 | 34.43 | 30.31 | 34.85 | 36.73 | 36.59 | 29.43 | 30.46 | 33.45 | 16.65 |
| ROA(%) | 2.42 | 2.91 | 5.44 | 4.23 | 5.09 | 5.94 | 5.69 | 4.1 | 4.11 | 5.12 | 2.39 |
| ROE(%) | 10.6 | 13.18 | 24.79 | 18.91 | 22.84 | 29.02 | 26.58 | 16.98 | 16.68 | 20.75 | 10.04 |
| ROCE(%) | 11.98 | 12.64 | 17.46 | 13.44 | 15.45 | 15.94 | 15.55 | 12.14 | 11.98 | 14.06 | 11.31 |
| Price/Earnings(x) | 10.03 | 8.33 | 10.92 | 13.62 | 11.07 | 5.45 | 7.32 | 7.24 | 7 | 6.69 | 16.19 |
| Price/Book(x) | 1.03 | 1.07 | 2.45 | 2.43 | 2.33 | 1.41 | 1.73 | 1.15 | 1.09 | 1.27 | 1.58 |
| Dividend Yield(%) | 4.17 | 6.44 | 2.04 | 1.83 | 1.73 | 2.9 | 0.84 | 2.64 | 2.42 | 1.91 | 1.72 |
| EV/Net Sales(x) | 5.32 | 5.07 | 5.52 | 6.16 | 5.89 | 4.92 | 5.12 | 5.12 | 5.36 | 5.06 | 5.09 |
| EV/Core EBITDA(x) | 7.86 | 7.72 | 7.79 | 9.87 | 8.56 | 6.72 | 6.89 | 7.77 | 8.1 | 7.38 | 9.31 |
| Interest Earned Growth(%) | -5.43 | 18.82 | 43.44 | 1.04 | 22.18 | 30.76 | 15.83 | -4.26 | 10.54 | 32.07 | 13.1 |
| Net Profit Growth | 20.13 | 30.82 | 113.56 | -10.88 | 40.32 | 56.06 | 16.53 | -22.97 | 12.9 | 46.48 | -45.22 |
| EPS Growth(%) | 20.06 | 30.04 | 114.06 | -10.64 | 40.28 | 54.34 | 17.29 | -22.96 | 12.61 | 46.3 | -44.43 |
| Interest Coverage(x) % | 1.47 | 1.58 | 2 | 2.01 | 2.08 | 2.1 | 2.04 | 1.89 | 1.93 | 2.03 | 1.47 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 35.2 | 35.2 | 35.2 | 35.24 | 35.25 | 35.25 | 35.25 | 35.25 | 35.25 | 35.25 |
| FII | 27.08 | 28.95 | 31.99 | 33 | 30.36 | 27.01 | 28.42 | 29.71 | 30.16 | 28.77 |
| DII | 12.24 | 12.15 | 9.5 | 9.34 | 10.97 | 7.87 | 8 | 8.62 | 9.17 | 11.14 |
| Public | 25.48 | 23.7 | 23.31 | 22.42 | 23.42 | 29.86 | 28.33 | 26.42 | 25.42 | 24.83 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 29.8 | 29.8 | 29.8 | 29.83 | 29.84 | 29.84 | 29.84 | 29.84 | 29.84 | 29.84 |
| FII | 22.92 | 24.5 | 27.08 | 27.93 | 25.7 | 22.86 | 24.06 | 25.15 | 25.53 | 24.35 |
| DII | 10.36 | 10.28 | 8.04 | 7.91 | 9.28 | 6.66 | 6.77 | 7.3 | 7.76 | 9.43 |
| Public | 21.56 | 20.06 | 19.73 | 18.97 | 19.82 | 25.28 | 23.98 | 22.36 | 21.51 | 21.02 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 | 84.64 |
* The pros and cons are machine generated.
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