Manappuram Finance Ltd

Manappuram Finance is engaged in a Non-Banking Finance Company (NBFC), which provides a wide range of fund based and fee based services including gold loans, money exchange facilities, etc.(Source : 201903 Annual Report Page No: 146)

Pros:
Company has good consistent profit growth of 32.51% over 5 years
Company has been maintaining a healthy dividend payout of 20.41%
Cons:

Peer Comparison Sector: Finance // Industry: Finance & Investments

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Revenue 842 901 899 831 831 872 887 936 1,014 1,081 1,085 1,174
Interest 296 317 290 258 245 260 268 294 317 354 354 380
242 258 293 328 338 339 340 325 341 340 350 351
Financing Profit 304 325 316 246 248 273 280 317 356 387 381 443
Financing Margin % 36% 36% 35% 30% 30% 31% 32% 34% 35% 36% 35% 38%
Other Income 7 5 7 25 10 10 14 11 13 20 18 11
Depreciation 16 16 16 16 17 17 18 19 19 19 19 40
Profit before tax 295 314 306 255 241 265 276 309 350 388 380 414
Tax % 34% 35% 35% 35% 34% 35% 34% 35% 36% 36% 32% 34%
Net Profit 192 203 201 167 159 171 181 200 224 247 258 272
EPS in Rs 2.29 2.41 2.38 1.99 1.89 2.04 2.15 2.36 2.66 2.93 3.07 3.23
Gross NPA % 0.90% 0.00% 2.00% 1.10% 1.20% 0.70% 0.70% 0.70% 0.70% 0.58% 0.55% 0.71%
Net NPA % 0.70% 0.00% 1.70% 0.90% 0.00% 0.00% 0.30% 0.30% 0.20% 0.00% 0.30% 0.40%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2008 Mar 2009 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Revenue 20 44 80 165 2,100 1,988 2,369 3,406 3,421 4,116 4,355
Interest 7 9 14 39 1,027 877 947 1,169 1,030 1,319 1,405
7 18 32 78 678 648 820 1,011 1,344 1,357 1,383
Financing Profit 7 17 34 48 396 462 601 1,225 1,047 1,440 1,567
Financing Margin % 33% 40% 42% 29% 19% 23% 25% 36% 31% 35% 36%
Other Income 0 0 0 1 11 5 3 3 58 63 62
Depreciation 0 1 2 3 64 54 56 63 68 75 96
Profit before tax 6 17 33 46 343 414 548 1,166 1,037 1,427 1,532
Tax % 35% 35% 34% 35% 34% 34% 35% 35% 35% 35%
Net Profit 4 11 21 30 226 271 353 756 677 922 1,002
EPS in Rs 0.17 0.47 0.94 0.82 2.38 2.97 3.74 8.67 8.04 10.94 11.89
Dividend Payout % 20% 18% 10% 15% 67% 42% 54% 17% 25% 20%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:37.92%
5 Years:14.40%
3 Years:20.23%
TTM:23.53%
Compounded Profit Growth
10 Years:41.03%
5 Years:32.51%
3 Years:37.72%
TTM:40.88%
Return on Equity
10 Years:%
5 Years:18.53%
3 Years:21.77%
Last Year:22.12%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2008 Mar 2009 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
8 15 62 21 168 168 168 168 169 169
Reserves 11 14 32 144 2,324 2,465 2,590 3,193 3,645 4,356
Borrowings 66 93 174 451 7,795 8,632 9,638 10,986 12,607 15,297
29 30 77 50 555 355 445 805 609 636
Total Liabilities 110 148 294 662 10,842 11,620 12,841 15,153 17,030 20,458
5 11 16 28 202 206 230 222 310 367
CWIP 0 0 0 0 5 1 0 1 0 1
Investments 2 2 2 1 796 217 49 5 5 174
104 135 275 633 9,840 11,196 12,561 14,925 16,715 19,916
Total Assets 110 148 294 662 10,842 11,620 12,841 15,153 17,030 20,458

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2008 Mar 2009 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-0 -26 -57 -235 2,924 -888 -1,042 -1,271 -33 -343
-2 -6 -6 -10 2 649 72 -25 -148 -370
1 20 109 290 -2,923 265 772 1,211 293 1,069
Net Cash Flow -1 -12 46 46 4 26 -198 -84 112 356

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2008 Mar 2009 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 46% 35% 23% 11% 13% 25% 19% 22%

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