Finance
Valuation | |
|---|---|
| Market Cap | 25.47 kCr |
| Price/Earnings (Trailing) | 65.99 |
| Price/Sales (Trailing) | 2.75 |
| EV/EBITDA | 5.43 |
| Price/Free Cashflow | 9.83 |
| MarketCap/EBT | 54.13 |
| Enterprise Value | 23.56 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 9.27 kCr |
| Rev. Growth (Yr) | -8% |
| Earnings (TTM) | 385.14 Cr |
| Earnings Growth (Yr) | -14.3% |
Profitability | |
|---|---|
| Operating Margin | 5% |
| EBT Margin | 5% |
| Return on Equity | 3.03% |
| Return on Assets | 0.75% |
| Free Cashflow Yield | 10.17% |
Growth & Returns | |
|---|---|
| Price Change 1W | 5.7% |
| Price Change 1M | -5.9% |
| Price Change 6M | 16.4% |
| Price Change 1Y | 46% |
| 3Y Cumulative Return | 37% |
| 5Y Cumulative Return | 11.2% |
| 7Y Cumulative Return | 16.3% |
| 10Y Cumulative Return | 26.2% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -1.59 kCr |
| Cash Flow from Operations (TTM) | 2.62 kCr |
| Cash Flow from Financing (TTM) | -1.96 kCr |
| Cash & Equivalents | 1.91 kCr |
| Free Cash Flow (TTM) | 2.48 kCr |
| Free Cash Flow/Share (TTM) | 29.26 |
Balance Sheet | |
|---|---|
| Total Assets | 51.66 kCr |
| Total Liabilities | 38.94 kCr |
| Shareholder Equity | 12.72 kCr |
| Net PPE | 511.99 Cr |
| Inventory | 0.00 |
| Goodwill | 35.57 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.87 |
| Interest/Cashflow Ops | 1.73 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 2 |
| Dividend Yield | 0.66% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Investor Care | |
|---|---|
| Dividend Yield | 0.66% |
| Dividend/Share (TTM) | 2 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 4.56 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 40.83 |
| RSI (5d) | 80.37 |
| RSI (21d) | 42.89 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Past Returns: Outperforming stock! In past three years, the stock has provided 37% return compared to 13.2% by NIFTY 50.
Size: Market Cap wise it is among the top 20% companies of india.
Balance Sheet: Reasonably good balance sheet.
No major cons observed.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Past Returns: Outperforming stock! In past three years, the stock has provided 37% return compared to 13.2% by NIFTY 50.
Size: Market Cap wise it is among the top 20% companies of india.
Balance Sheet: Reasonably good balance sheet.
No major cons observed.
Summary of Manappuram Finance's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Understand Manappuram Finance ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Nandakumar V P | 29.05% |
| Smallcap World Fund, Inc | 6.46% |
| Sushama Nandakumar | 5.67% |
| Government Pension Fund Global | 2.48% |
| Dsp Flexi Cap Fund | 2.09% |
| Goldman Sachs Bank Europe Se - Odi | 1.53% |
| Blackrock Strategic Funds - Blackrock Emerging Markets Equity Strategies Fund |
Detailed comparison of Manappuram Finance against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 6.11 LCr | 79.39 kCr | +1.30% | +15.40% | 27.05 | 7.69 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.89 LCr |
Comprehensive comparison against sector averages
MANAPPURAM metrics compared to Finance
| Category | MANAPPURAM | Finance |
|---|---|---|
| PE | 65.99 | 29.64 |
| PS | 2.75 | 5.81 |
| Growth | -8 % | 16.7 % |
Manappuram Finance Limited, a gold loan non-banking financial company, provides retail credit products and financial services in India. It offers loans against the security of used household gold jewelry; gold loans and online gold loans; microfinance loans and other financial services to low-income populations in rural and semi-urban areas; loans for construction, extension, purchase, and improvement of homes; life and non-life insurance products; and IT solutions. The company also provides depository services; and fee-based services, which include money transfer, foreign exchange, and depository services. In addition, it offers vehicle and equipment finance, including commercial vehicle, construction equipment, two wheeler, car, and farm equipment finance. The company serves retail, microfinance, small and medium enterprises, and commercial customers. It operates branches in 28 states and 4 Union Territories. 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.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
MANAPPURAM vs Finance (2021 - 2026)
| 1.28% |
| Cohesion Mk Best Ideas Sub-Trust | 1.07% |
| Sbi Flexicap Fund | 1.04% |
| Jyothy Prasannan | 0.53% |
| Directors / Relatives | 0.32% |
| Sooraj Nandan | 0% |
| Suhas Nandan | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 47.12 kCr |
| +0.70% |
| +77.00% |
| 20.61 |
| 4 |
| - |
| - |
| MUTHOOTFIN | MUTHOOT FINANCE | 1.49 LCr | 24.69 kCr | -6.50% | +65.80% | 20.28 | 6.02 | - | - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.47 LCr | 30.11 kCr | -2.50% | +26.10% | 30.26 | 4.88 | - | - |
| IIFL | IIFL FINANCE | 21.94 kCr | 12.3 kCr | -21.50% | +43.50% | 17.1 | 1.78 | - | - |
| 7.9% |
| 945 |
| 876 |
| 855 |
| 895 |
| 925 |
| 906 |
| Depreciation and Amortization | -2.6% | 77 | 79 | 75 | 66 | 70 | 67 |
| Fees and commission expenses | -10.5% | 18 | 20 | 22 | 24 | 23 | - |
| Impairment on financial instruments | -4.1% | 354 | 369 | 559 | 919 | 555 | - |
| Other expenses | -18% | 160 | 195 | 178 | 195 | 166 | 167 |
| Profit Before exceptional items and Tax | 0.3% | 303 | 302 | 102 | -235.88 | 376 | 773 |
| Total profit before tax | 0.3% | 303 | 302 | 102 | -235.88 | 376 | 773 |
| Current tax | 10.9% | 143 | 129 | 72 | 96 | 120 | 213 |
| Deferred tax | -77% | -78.57 | -43.95 | -103.02 | -128.92 | -22.16 | -12.2 |
| Tax expense | -25% | 64 | 85 | -30.95 | -32.7 | 98 | 201 |
| Total profit (loss) for period | 10.2% | 239 | 217 | 132 | -203.18 | 278 | 572 |
| Other comp. income net of taxes | -90.4% | 4.07 | 33 | -23.89 | -66.6 | 50 | 22 |
| Total Comprehensive Income | -2.8% | 243 | 250 | 109 | -269.78 | 329 | 594 |
| Earnings Per Share, Basic | 15.9% | 2.82 | 2.57 | 1.57 | -2.4 | 3.29 | 6.75 |
| Earnings Per Share, Diluted | 15.9% | 2.82 | 2.57 | 1.57 | -2.4 | 3.29 | 6.75 |
| -98.3% |
| 2.55 |
| 91 |
| 50 |
| 20 |
| 25 |
| 1.13 |
| Other income | -70.4% | 8.11 | 25 | 25 | 24 | 21 | 41 |
| Total Expenses | 24.9% | 4,539 | 3,633 | 3,121 | 2,837 | 2,924 | 2,672 |
| Employee Expense | 14.6% | 1,171 | 1,022 | 1,003 | 808 | 625 | 649 |
| Finance costs | 30% | 2,376 | 1,828 | 1,498 | 1,392 | 1,720 | 1,391 |
| Depreciation and Amortization | 7% | 201 | 188 | 163 | 157 | 156 | 154 |
| Fees and commission expenses | 60% | 81 | 51 | 25 | 26 | 20 | 24 |
| Impairment on financial instruments | 144.9% | 263 | 108 | 45 | 81 | 130 | 85 |
| Other expenses | 2.3% | 446 | 436 | 386 | 373 | 274 | 369 |
| Profit Before exceptional items and Tax | 6.9% | 2,376 | 2,222 | 1,706 | 1,750 | 2,270 | 1,680 |
| Exceptional items before tax | - | 20 | 0 | 0 | 0 | 0 | 0 |
| Total profit before tax | 7.8% | 2,396 | 2,222 | 1,706 | 1,750 | 2,270 | 1,680 |
| Current tax | 7% | 613 | 573 | 454 | 420 | 600 | 430 |
| Deferred tax | 83.6% | -0.63 | -8.91 | -14.42 | 25 | -28.7 | 20 |
| Tax expense | 8.5% | 612 | 564 | 440 | 445 | 572 | 450 |
| Total profit (loss) for period | 7.5% | 1,783 | 1,658 | 1,266 | 1,305 | 1,698 | 1,230 |
| Other comp. income net of taxes | 88.3% | -0.24 | -9.59 | 25 | -11.33 | -14.59 | -5.43 |
| Total Comprehensive Income | 8.2% | 1,783 | 1,648 | 1,291 | 1,293 | 1,683 | 1,225 |
| Earnings Per Share, Basic | 8% | 21.07 | 19.59 | 14.96 | 15.41 | 20.076 | 14.58 |
| Earnings Per Share, Diluted | 8% | 21.07 | 19.59 | 14.96 | 15.41 | 20.076 | 14.53 |
| Debt equity ratio | - | - | - | - | - | - | - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Property, plant and equipment | 2.2% | 419 | 410 | 393 | 360 | 362 | 358 |
| Capital work-in-progress | 20% | 13 | 11 | 7.49 | 33 | 24 | 16 |
| Total non-financial assets | -2.5% | 1,056 | 1,083 | - | - | - | - |
| Total assets | 11.1% | 44,238 | 39,836 | 38,838 | 33,973 | 33,106 | 29,338 |
| Equity share capital | 0% | 169 | 169 | 169 | 169 | 169 | 169 |
| Total equity | 5.9% | 12,483 | 11,793 | 11,113 | 10,349 | 9,650 | 8,980 |
| Derivative financial instruments | - | - | - | - | 11 | - | 3.28 |
| Debt securities | 17.7% | 7,240 | 6,151 | - | 4,434 | 5,069 | 4,961 |
| Borrowings | 12.8% | 23,577 | 20,895 | - | 18,033 | 17,264 | 14,268 |
| Subordinated liabilities | - | - | - | - | - | - | 574 |
| Total financial liabilities | 13.3% | 31,646 | 27,922 | - | - | - | - |
| Current tax liabilities | - | - | - | - | - | 11 | 0 |
| Provisions | -19.7% | 50 | 62 | - | 57 | 47 | 58 |
| Total non financial liabilities | -10.1% | 108 | 120 | - | - | - | - |
| Total liabilities | 13.2% | 31,754 | 28,043 | 27,725 | 23,623 | 23,456 | 20,358 |
| Total equity and liabilities | 11.1% | 44,238 | 39,836 | 38,838 | 33,973 | 33,106 | 29,338 |
| 22.8% |
| 2,218 |
| 1,806 |
| 1,554 |
| 1,406 |
| - |
| - |
| Interest received | 28.7% | 6,399 | 4,971 | 4,580 | 4,809 | - | - |
| Income taxes paid (refund) | 0.5% | 627 | 624 | 400 | 465 | - | - |
| Net Cashflows From Operating Activities | 4.5% | -2,733.72 | -2,862.92 | -298.38 | -111.85 | - | - |
| Proceeds from sales of PPE | 196.6% | 1.28 | 0.71 | 1.06 | 1.13 | - | - |
| Purchase of property, plant and equipment | 51.1% | 143 | 95 | 112 | 104 | - | - |
| Purchase of investment property | -82.3% | 56 | 311 | 239 | 15 | - | - |
| Dividends received | -107.1% | 0 | 15 | 8.04 | 0 | - | - |
| Interest received | 79.8% | 152 | 85 | 73 | 23 | - | - |
| Other inflows/outflows of cash | -94869.9% | -1,480.53 | -0.56 | -11.2 | -22.29 | - | - |
| Net Cashflows From Investing Activities | -396.3% | -1,526.25 | -306.75 | -279.81 | -117.62 | - | - |
| Proceeds from issuing shares | -100% | 0 | 0.5 | 0 | 0.37 | - | - |
| Proceeds from issuing debt etc | - | 0 | 0 | -0.6 | -4.21 | - | - |
| Proceeds from borrowings | -25.2% | 2,821 | 3,772 | 4,120 | 2,420 | - | - |
| Repayments of borrowings | -426.6% | -1,716.75 | 527 | 2,842 | 2,134 | - | - |
| Payments of lease liabilities | 0.7% | 141 | 140 | 135 | 129 | - | - |
| Dividends paid | 21.6% | 339 | 279 | 254 | 254 | - | - |
| Other inflows (outflows) of cash | - | -0.88 | 0 | 0 | 0 | - | - |
| Net Cashflows From Financing Activities | 43.6% | 4,057 | 2,826 | 888 | -100.04 | - | - |
| Net change in cash and cash eq. | 40.8% | -202.71 | -343.31 | 310 | -329.51 | - | - |
Analysis of Manappuram Finance's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| Gold loan and others | 87.2% | 2.1 kCr |
| Micro finance | 12.8% | 301.3 Cr |
| Total | 2.4 kCr |