Manappuram Finance Limited MANAPPURAM NIFTY_SMALLNSEFINANCIAL
Company Overview
Manappuram Finance Limited, a gold loan non-banking financial company, provides fund-based and fee-based financial services in India. It operates through Gold Loan and Others, and Microfinance segments. The company offers loans, such as gold loans, gold loans at your doorstep, online gold loans, business loans, home improvement loans, housing loans, property loans, income-generating loans, and personal loans; balance transfers and top-ups; and co-lending arrangements. It also finances commercial and passenger vehicles, construction and farm equipment, and two-wheelers, as well as micro, small, and medium enterprises. In addition, the company offers foreign exchange money transfer and digital wallet services, as well as other services, such as depository services and demat account services. It serves salaried professionals, self-employed individuals, retail customers, and gold jewelry holders; small and medium-sized enterprises, large corporate entities, and institutional clients across the education and health sectors; and micro and small entrepreneurs engaged in trading and manufacturing activities. 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 headquartered in Thrissur, India.
Why Investors Should Care
Maintains a net profit margin of 18.2%.
Recent Developments
- Mar 2026 Revenue of ₹5,513.82 Cr (-12.6% YoY); net profit ₹1,003.32 Cr.
- Trailing 12 Months Year-on-year growth — revenue -12.6%, earnings -17.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 7.3%, profit CAGR -12.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 7.34% |
| 1 Year: | -12.61% |
Compounded Profit Growth
| 5 Years: | -12.47% |
| 1 Year: | -17.50% |
Stock Price Performance
| 1 Year: | +34.66% |
| 6 Months: | +29.86% |
| 3 Months: | +10.88% |
| 1 Month: | -6.41% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)42.90 · Neutral
P/E of 29.01 is above the sector median of 19.62 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 339.70 | 29.01 | ₹31,909.25 Cr | 0.55% | - | 6.25% | 7.34% | -12.47% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,776.00 Cr | 2,030.00 Cr | 2,161.00 Cr | 2,305.00 Cr | 2,348.00 Cr | 2,488.00 Cr | 2,633.00 Cr | 1,614.69 Cr | 1,443.35 Cr | 1,388.09 Cr | 2,273.00 Cr | 1,395.63 Cr | 1,496.66 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 587.00 Cr | 671.00 Cr | 675.00 Cr | 729.00 Cr | 773.00 Cr | 846.00 Cr | 892.00 Cr | 684.01 Cr | 749.33 Cr | 727.20 Cr | 1,018.00 Cr | 738.71 Cr | 717.27 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 589.00 Cr | 648.00 Cr | 689.00 Cr | 749.00 Cr | 779.00 Cr | 848.00 Cr | 906.00 Cr | 925.34 Cr | 895.38 Cr | 855.28 Cr | 876.00 Cr | 945.21 Cr | 1,109.49 Cr |
| Pretax Income | 567.00 Cr | 681.00 Cr | 747.00 Cr | 786.00 Cr | 746.00 Cr | 753.00 Cr | 773.00 Cr | 376.06 Cr | -235.88 Cr | 101.52 Cr | 302.00 Cr | 302.85 Cr | 563.81 Cr |
| Tax Provision | 153.09 Cr | 183.87 Cr | 186.75 Cr | 212.22 Cr | 179.04 Cr | 195.78 Cr | 200.98 Cr | 97.60 Cr | -32.70 Cr | -30.95 Cr | 84.56 Cr | 64.31 Cr | 159.02 Cr |
| Net Income | 415.00 Cr | 498.00 Cr | 561.00 Cr | 575.00 Cr | 564.00 Cr | 557.00 Cr | 572.00 Cr | 282.06 Cr | -191.17 Cr | 138.38 Cr | 217.00 Cr | 241.06 Cr | 403.96 Cr |
| Diluted EPS | 4.88 | 5.86 | 6.60 | 6.77 | 6.63 | 6.55 | 6.74 | 3.29 | -2.40 | 1.57 | 2.60 | 2.82 | 4.76 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,988.00 Cr | 2,369.00 Cr | 3,406.00 Cr | 3,421.00 Cr | 4,180.00 Cr | 5,465.00 Cr | 6,331.00 Cr | - | 4,458.41 Cr | 5,938.22 Cr | 6,309.52 Cr | 5,513.82 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | 648.00 Cr | 820.00 Cr | 1,011.00 Cr | 1,344.00 Cr | 1,365.00 Cr | 1,547.00 Cr | 1,669.00 Cr | - | 2,188.54 Cr | 2,465.97 Cr | 2,673.90 Cr | 2,752.40 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 877.00 Cr | 947.00 Cr | 1,169.00 Cr | 1,030.00 Cr | 1,345.00 Cr | 1,832.00 Cr | 2,219.00 Cr | - | 2,187.78 Cr | 2,865.71 Cr | 3,540.93 Cr | 3,785.61 Cr |
| Pretax Income | 414.00 Cr | 548.00 Cr | 1,166.00 Cr | 1,037.00 Cr | 1,457.00 Cr | 2,007.00 Cr | 2,316.00 Cr | - | 2,041.05 Cr | 2,959.52 Cr | 1,665.63 Cr | 1,270.22 Cr |
| Tax Provision | 140.76 Cr | 191.80 Cr | 408.10 Cr | 362.95 Cr | 509.95 Cr | 521.82 Cr | 602.16 Cr | - | 540.88 Cr | 762.02 Cr | 461.76 Cr | 277.05 Cr |
| Net Income | 271.00 Cr | 355.00 Cr | 758.00 Cr | 676.00 Cr | 949.00 Cr | 1,480.00 Cr | 1,725.00 Cr | - | 1,495.98 Cr | 2,188.68 Cr | 1,216.15 Cr | 1,003.32 Cr |
| Diluted EPS | 3.23 | 4.20 | 8.98 | 8.04 | 11.16 | 17.37 | 20.37 | - | 17.67 | 25.86 | 14.37 | 11.71 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 11,616.00 Cr | 12,839.00 Cr | 15,152.00 Cr | 17,030.00 Cr | 20,446.00 Cr | 29,535.00 Cr | 31,338.00 Cr | - | 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 | 6,080.24 Cr |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | 22.10 L | 135.94 Cr | 135.01 Cr | 185.88 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 | 36,078.98 Cr | 57,839.23 Cr |
| Total Equity | 2,633.00 Cr | 2,758.00 Cr | 3,361.00 Cr | 3,814.00 Cr | 4,547.00 Cr | 5,746.00 Cr | 7,307.00 Cr | - | 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -888.00 Cr | -1,042.00 Cr | -1,271.00 Cr | -33.00 Cr | -1,661.00 Cr | -3,620.00 Cr | -619.00 Cr | - | -3,103.24 Cr | -3,449.75 Cr | -466.57 Cr | -20,237.74 Cr |
| Investing Cash Flow | 649.00 Cr | 72.00 Cr | -25.00 Cr | -148.00 Cr | -371.00 Cr | 26.00 Cr | -186.00 Cr | - | -616.16 Cr | -600.65 Cr | -124.80 Cr | -1,631.53 Cr |
| Financing Cash Flow | 265.00 Cr | 772.00 Cr | 1,211.00 Cr | 293.00 Cr | 2,388.00 Cr | 6,049.00 Cr | 59.00 Cr | - | 3,849.11 Cr | 4,091.64 Cr | 1,132.34 Cr | 23,834.44 Cr |
| Capital Expenditure | -24.00 Cr | -79.00 Cr | -53.00 Cr | -160.00 Cr | -126.00 Cr | -96.00 Cr | -53.00 Cr | - | -172.64 Cr | -136.33 Cr | -195.82 Cr | -200.32 Cr |
| Free Cash Flow | -912.00 Cr | -1,121.00 Cr | -1,324.00 Cr | -193.00 Cr | -1,787.00 Cr | -3,716.00 Cr | -672.00 Cr | - | -3,275.88 Cr | -3,586.08 Cr | -662.38 Cr | -20,438.06 Cr |
| Net Change in Cash | 26.00 Cr | -198.00 Cr | -84.00 Cr | 112.00 Cr | 356.00 Cr | 2,455.00 Cr | -747.00 Cr | - | 129.71 Cr | 41.24 Cr | 540.97 Cr | 1,965.17 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 13.6% | 15.0% | 22.3% | 19.8% | 22.7% | 27.1% | 27.2% | - | 33.6% | 36.9% | 19.3% | 18.2% |
| ROE % | 10.3% | 12.9% | 22.6% | 17.7% | 20.9% | 25.8% | 23.6% | - | 15.5% | 19.0% | 9.8% | 6.3% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for MANAPPURAM
Earnings call transcript: Manappuram Finance posts strong Q1 2026 growth, shares slip - Investing.com
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Manappuram Finance, Muthoot Finance shares: Antique sees up to 21% upside on two gold loan stocks - Business Today
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IIFL, Muthoot, Manappuram Finance gain up to 8% as J.P. Morgan initiates coverage on gold financiers - TradingView
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Manappuram Finance Share Price in Focus After Decline - Univest
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Manappuram stock sees promoter stake jump after Q1 FY27 growth - ad-hoc-news.de
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RBL Bank, Manappuram, Paisalo Digital Among Small-Cap Stocks That Saw Rise In Promoter Holding - NDTV Profit
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MANAPPURAM — Frequently Asked Questions
What is the current share price of Manappuram Finance Limited (MANAPPURAM)?
As of 2026-09-08 04:53 IST, Manappuram Finance Limited (MANAPPURAM) trades at ₹339.70 on NSE. Its 52-week range is ₹249.98 to ₹370.78.
What is the market capitalisation of MANAPPURAM?
Manappuram Finance Limited (MANAPPURAM) has a market capitalisation of ₹31,909.25 Cr on NSE.
What is the P/E ratio of MANAPPURAM?
MANAPPURAM trades at a trailing price-to-earnings (P/E) ratio of 29.01. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.15.
Does MANAPPURAM pay a dividend?
Manappuram Finance Limited (MANAPPURAM) currently offers a dividend yield of 0.55%.
What is the return on equity (ROE) of MANAPPURAM?
MANAPPURAM has a return on equity (ROE) of 6.25%.
Is MANAPPURAM a good stock to buy?
This page provides a data-driven analysis of Manappuram Finance Limited (MANAPPURAM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.