Manappuram Finance Limited MANAPPURAM NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India

https://www.manappuram.com

Manappuram Finance Limited, a gold loan non-banking financial company, provides fund-based and fee-based financial services in India. It offers loans, such as gold, doorstep gold, online gold, vehicle, business, digital personal, and corporate loans; financing products, including two-wheeler finance, and micro home finance. The company also provides foreign exchange money transfer, digital wallet, and other services, such as depository services, demat account, and pan card services. In addition, it offers financing services for construction equipment and farm equipment. The company was formerly known as Manappuram General Finance and Leasing Limited and changed its name to Manappuram Finance Limited in 2011. Manappuram Finance Limited was founded in 1949 and is based in Thrissur, India.

Market & Price

Market Cap

₹30,566.00 Cr

Current Price

₹325.40

High / Low (52W)

₹330.25 / ₹230.18

Beta

0.69

Valuation

Stock P/E

27.79

Industry PE

19.12

Forward P/E

11.08

PEG Ratio

Book Value

₹191.74

Price to Book

1.70

P/S

7.31

EV/EBITDA

Dividend Yield

0.61%

Profitability & Returns

ROCE

ROE

6.97%

ROA

1.60%

Profit Margin

23.98%

Op Margin

45.02%

EPS (Latest Qtr)

₹4.76

EPS (TTM)

₹11.71

Balance Sheet & Liquidity

Debt/Equity

3.60

Quick Ratio

93.97

Current Ratio

94.12

Debt

₹57,836.61 Cr

Total Assets

₹74,559.33 Cr

Current Assets

Working Capital

Ownership

Promoter Holding

32.88%

Chg in Prom Hold

FII / Inst Holding

33.36%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹78,256.71 Cr

Total Revenue (TTM)

₹4,183.10 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-20,237.74 Cr

Shares Outstanding

₹93.93 Cr

Gross Margin

98.11%

Payout Ratio

17.08%

Growth (CAGR)

Revenue 5Y

8.28%

Profit 5Y

-12.47%

Revenue (YoY)

109.30%

Earnings (YoY)

PROS

Excellent profit margin of 24.0%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -12.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MANAPPURAM Manappuram Finance Limited NIFTY_SMALLNSEFINANCIAL	325.40	27.79	₹30,566.00 Cr	0.61%	-	6.97%	8.28%	-12.47%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Dec 2024	Mar 2025	Jun 2025	Dec 2025	Mar 2026
Revenue	1,614.69 Cr	1,443.35 Cr	1,388.09 Cr	1,395.63 Cr	1,496.66 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	684.01 Cr	749.33 Cr	727.20 Cr	738.71 Cr	717.27 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	925.34 Cr	895.38 Cr	855.28 Cr	945.21 Cr	1,109.49 Cr
Pretax Income	376.06 Cr	-235.88 Cr	101.52 Cr	302.85 Cr	563.81 Cr
Tax Provision	97.60 Cr	-32.70 Cr	-30.95 Cr	64.31 Cr	159.02 Cr
Net Income	282.06 Cr	-191.17 Cr	138.38 Cr	241.06 Cr	403.96 Cr
Diluted EPS	3.29	-2.40	1.57	2.82	4.76

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	4,458.41 Cr	5,938.22 Cr	6,409.10 Cr	5,660.22 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	2,188.54 Cr	2,465.97 Cr	2,734.39 Cr	2,834.07 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	2,187.78 Cr	2,865.71 Cr	3,540.93 Cr	3,785.61 Cr
Pretax Income	-	2,041.05 Cr	2,959.52 Cr	1,665.64 Cr	1,270.19 Cr
Tax Provision	-	540.88 Cr	762.02 Cr	461.76 Cr	277.05 Cr
Net Income	-	1,495.98 Cr	2,188.68 Cr	1,216.15 Cr	1,003.30 Cr
Diluted EPS	-	17.67	25.86	14.22	11.71

Compounded Sales Growth

5 Years:	8.28%
1 Year:	109.30%

Compounded Profit Growth

5 Years:	-12.47%
1 Year:	-

Stock Price Performance

1 Year:	+41.37%
6 Months:	+16.99%
3 Months:	+6.75%
1 Month:	+10.72%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	39,504.13 Cr	46,747.90 Cr	49,204.69 Cr	74,559.33 Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	2,929.12 Cr	2,852.85 Cr	3,574.45 Cr	6,148.86 Cr
Inventory	-	-	-	-	-
Receivables	8.77 Cr	22.10 L	135.94 Cr	126.20 Cr	-
Total Liabilities	-	29,838.91 Cr	35,170.92 Cr	36,755.83 Cr	58,502.11 Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	-	-	-	-
Total Debt	-	29,169.28 Cr	34,322.00 Cr	36,078.92 Cr	57,836.61 Cr
Total Equity	-	9,644.89 Cr	11,548.10 Cr	12,432.18 Cr	16,050.74 Cr
Shares Outstanding	-	84.64 Cr	84.64 Cr	84.64 Cr	93.93 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-3,103.24 Cr	-3,449.75 Cr	-466.57 Cr	-20,237.74 Cr
Investing Cash Flow	-	-616.16 Cr	-600.65 Cr	-124.80 Cr	-1,631.53 Cr
Financing Cash Flow	-	3,849.11 Cr	4,091.64 Cr	1,132.33 Cr	23,834.45 Cr
Capital Expenditure	-	-172.64 Cr	-136.33 Cr	-195.82 Cr	-200.32 Cr
Free Cash Flow	-	-3,275.88 Cr	-3,586.08 Cr	-662.39 Cr	-20,438.06 Cr
Net Change in Cash	-	129.71 Cr	41.24 Cr	540.96 Cr	1,965.18 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	33.6%	36.9%	19.0%	17.7%
ROE %	-	15.5%	19.0%	9.8%	6.3%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

32.88%

Institutions

33.36%

Public Float

49.70%

Analyst View

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MANAPPURAM · Financial Services