WEBSITE BSE:544262 NSE: MANBA Inc. Year: 1996 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:58
Manba Finance Limited is a financial services company based in India, specializing in providing a range of financial products and services. Established with the aim of enhancing access to finance, the company primarily focuses on lending solutions, including personal loans, business loans, and vehicle financing. Manba Finance is committed to catering to both individual and small to medium-sized enterprise (SME) customers, helping them achieve their financial goals. The company emphasizes customer-centric services, ensuring that its offerings ...Read More
Manba Finance Limited is a financial services company based in India, specializing in providing a range of financial products and services. Established with the aim of enhancing access to finance, the company primarily focuses on lending solutions, including personal loans, business loans, and vehicle financing. Manba Finance is committed to catering to both individual and small to medium-sized enterprise (SME) customers, helping them achieve their financial goals. The company emphasizes customer-centric services, ensuring that its offerings are tailored to meet the unique needs of its clients. Manba Finance is known for its efficient loan processing and competitive interest rates, making it an attractive choice for borrowers. As part of its growth strategy, the company is continuously exploring opportunities for expansion and innovation in the financial sector, positioning itself as a reliable partner for those seeking financial support in a rapidly evolving market. ...Read Less
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Market Cap ₹538 Cr.
Stock P/E 14.2
P/B 1.3
Current Price ₹107.1
Book Value ₹ 80
Face Value 10
52W High ₹159.2
Dividend Yield 0.23%
52W Low ₹ 99.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(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 | 52 | 48 | 55 | 49 | 65 | 69 | 68 | 67 | 78 | 90 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | -0 | 0 |
| Total Income | 52 | 48 | 55 | 49 | 65 | 69 | 68 | 69 | 78 | 90 |
| Total Expenditure | 16 | 19 | 19 | 18 | 21 | 23 | 27 | 23 | 26 | 29 |
| Operating Profit | 36 | 29 | 36 | 31 | 44 | 46 | 41 | 46 | 51 | 60 |
| Interest Expense | 18 | 22 | 24 | 23 | 27 | 28 | 29 | 32 | 35 | 42 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit Before Tax | 17 | 6 | 11 | 7 | 16 | 16 | 11 | 12 | 15 | 17 |
| Provision for Tax | 3 | 1 | 1 | 1 | 4 | 4 | 3 | 2 | 4 | 4 |
| Profit After Tax | 14 | 5 | 10 | 5 | 12 | 13 | 8 | 10 | 11 | 13 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 14 | 5 | 10 | 5 | 12 | 13 | 8 | 10 | 11 | 13 |
| Adjusted Earnings Per Share | 3.7 | 0.3 | 2.6 | 1 | 2.3 | 2.6 | 1.6 | 1.9 | 2.3 | 2.6 |
| #(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 | 29 | 40 | 47 | 59 | 87 | 118 | 106 | 107 | 133 | 192 | 250 | 303 |
| Other Income | 0 | 0 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 2 |
| Total Income | 29 | 40 | 47 | 59 | 90 | 119 | 106 | 107 | 133 | 192 | 250 | 305 |
| Total Expenditure | 12 | 18 | 20 | 25 | 33 | 42 | 38 | 44 | 49 | 67 | 88 | 105 |
| Operating Profit | 17 | 22 | 27 | 34 | 57 | 76 | 67 | 63 | 84 | 125 | 163 | 198 |
| Interest Expense | 11 | 13 | 17 | 21 | 35 | 50 | 51 | 47 | 57 | 82 | 108 | 138 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 4 | 4 | 4 | 4 | 5 | 4 |
| Profit Before Tax | 6 | 8 | 10 | 12 | 21 | 24 | 13 | 13 | 23 | 39 | 50 | 55 |
| Provision for Tax | 2 | 3 | 3 | 4 | 7 | 6 | 3 | 3 | 6 | 7 | 12 | 13 |
| Profit After Tax | 4 | 5 | 6 | 8 | 14 | 18 | 9 | 10 | 17 | 31 | 38 | 42 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 4 | 5 | 6 | 8 | 14 | 18 | 9 | 10 | 17 | 31 | 38 | 42 |
| Adjusted Earnings Per Share | 2 | 0 | 3.1 | 2.9 | 4.3 | 4.1 | 2.5 | 2.6 | 4.4 | 8.3 | 7.5 | 8.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 30% | 33% | 16% | 24% |
| Operating Profit CAGR | 30% | 37% | 16% | 25% |
| PAT CAGR | 23% | 56% | 16% | 25% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -22% | NA% | NA% | NA% |
| ROE Average | 13% | 14% | 11% | 13% |
| ROCE Average | 13% | 13% | 12% | 13% |
| #(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 | 38 | 43 | 50 | 80 | 104 | 136 | 142 | 152 | 168 | 201 | 369 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 97 | 127 | 157 | 230 | 372 | 394 | 405 | 394 | 596 | 348 | 445 |
| Current Liability | 8 | 14 | 19 | 24 | 30 | 10 | 8 | 15 | 12 | 413 | 642 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 1 | 0 | -1 | -2 | 10 | 11 | 8 |
| Total Liabilities | 143 | 184 | 225 | 334 | 506 | 541 | 554 | 559 | 786 | 973 | 1464 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 783 | 1146 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18 | 27 | 23 |
| Fixed Assets | 10 | 11 | 11 | 21 | 14 | 14 | 16 | 13 | 22 | 20 | 18 |
| Other Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 1 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 133 | 174 | 213 | 311 | 491 | 527 | 538 | 547 | 746 | 144 | 277 |
| Total Assets | 143 | 184 | 225 | 334 | 506 | 541 | 554 | 559 | 786 | 973 | 1464 |
| #(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 | 0 | 5 | 5 | 9 | 7 | 18 | 11 | 14 | 50 | 109 | 125 |
| Cash Flow from Operating Activities | 0 | 9 | -7 | -65 | -114 | 7 | -7 | 47 | -124 | -141 | -324 |
| Cash Flow from Investing Activities | 0 | -1 | -2 | -11 | 3 | -1 | -1 | -1 | -19 | 1 | -15 |
| Cash Flow from Financing Activities | 0 | -8 | 13 | 74 | 123 | -13 | 11 | -10 | 202 | 156 | 453 |
| Net Cash Inflow / Outflow | 0 | 0 | 4 | -2 | 11 | -7 | 3 | 36 | 59 | 16 | 115 |
| Closing Cash & Cash Equivalent | 0 | 5 | 9 | 7 | 18 | 11 | 14 | 50 | 109 | 125 | 240 |
| # | 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) | 1.98 | 0 | 3.13 | 2.91 | 4.29 | 4.09 | 2.49 | 2.59 | 4.4 | 8.28 | 7.52 |
| CEPS(Rs) | 2.32 | 2.93 | 3.43 | 3.28 | 4.85 | 4.53 | 3.45 | 3.59 | 5.58 | 9.47 | 8.44 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.25 |
| Book NAV/Share(Rs) | 15.62 | 0 | 21.36 | 25.99 | 30.76 | 30.59 | 37.68 | 40.28 | 44.71 | 53.25 | 73.43 |
| Net Profit Margin | 13.58 | 13.34 | 13.47 | 14.01 | 16.4 | 15.44 | 8.86 | 9.14 | 12.44 | 16.27 | 15.1 |
| Operating Margin | 56.84 | 53.69 | 56.47 | 56.44 | 63.49 | 62.93 | 60.43 | 55.59 | 59.63 | 62.91 | 63.07 |
| PBT Margin | 20.02 | 19.81 | 20.4 | 20.48 | 23.95 | 20.29 | 12.17 | 11.88 | 17.09 | 20.17 | 20.01 |
| ROA(%) | 2.98 | 3.22 | 3.09 | 2.94 | 3.41 | 3.47 | 1.71 | 1.75 | 2.47 | 3.55 | 3.1 |
| ROE(%) | 13.43 | 15.41 | 15.8 | 14.11 | 16.28 | 15.24 | 6.74 | 6.63 | 10.36 | 16.9 | 13.28 |
| ROCE(%) | 13.87 | 14.51 | 14.57 | 13.18 | 14.28 | 14.76 | 11.86 | 10.84 | 12.13 | 14.04 | 13.18 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17.54 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.8 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19 |
| EV/Net Sales(x) | 3.39 | 0.01 | 3.26 | 3.93 | 4.16 | 3.36 | 3.82 | 3.35 | 3.75 | 3.47 | 5.98 |
| EV/Core EBITDA(x) | 5.88 | 0.01 | 5.65 | 6.75 | 6.33 | 5.2 | 5.98 | 5.66 | 5.95 | 5.32 | 9.22 |
| Interest Earned Growth(%) | 21.25 | 34.17 | 18.74 | 25.07 | 48.96 | 34.69 | -10.33 | 0.88 | 25.07 | 43.71 | 30.7 |
| Net Profit Growth | 35.1 | 31.83 | 19.89 | 30.05 | 74.37 | 26.84 | -48.55 | 4.03 | 70.22 | 88.05 | 21.25 |
| EPS Growth(%) | 35.1 | -100 | 0 | -6.9 | 47.46 | -4.65 | -39.28 | 4.03 | 70.22 | 88.05 | -9.09 |
| Interest Coverage(x) % | 1.54 | 1.58 | 1.57 | 1.57 | 1.61 | 1.48 | 1.25 | 1.27 | 1.4 | 1.47 | 1.46 |
| # | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Promoter | 74.98 | 74.98 | 74.98 | 74.98 | 74.98 | 74.98 | 74.98 |
| FII | 5.16 | 2.35 | 0.92 | 0.87 | 0.88 | 0.92 | 0.87 |
| DII | 2.06 | 0.42 | 0 | 0 | 0 | 0 | 0 |
| Public | 17.8 | 22.25 | 24.1 | 24.15 | 24.14 | 24.1 | 24.15 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Promoter | 3.77 | 3.77 | 3.77 | 3.77 | 3.77 | 3.77 | 3.77 |
| FII | 0.26 | 0.12 | 0.05 | 0.04 | 0.04 | 0.05 | 0.04 |
| DII | 0.1 | 0.02 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.89 | 1.12 | 1.21 | 1.21 | 1.21 | 1.21 | 1.21 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 5.02 | 5.02 | 5.02 | 5.02 | 5.02 | 5.02 | 5.02 |
* The pros and cons are machine generated.
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