Manappuram Finance Ltd

Manappuram Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Manappuram Finance Ltd

₹ 316 -0.09%
08 May - close price
manappuram.com BSE: 531213 NSE: MANAPPURAM
About

Manappuram Finance is 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. The Company is a Systemically Important Non-Deposit taking NBFC(NBFC-ND).(Source : 202003 Annual Report Page No:120)

Key Points

Business Segments:
1) Gold Loans & Others (70% in H1 FY25 vs 77% in FY22): [1] [2] The company is the 2nd-largest gold finance NBFC in India, specializes in offering credit against the security of used household gold jewelry. It also provides housing finance, loans against property, commercial vehicle finance, etc.[3] [4]

Website BSE NSE
  • Market Cap ₹ 26,747 Cr.
  • Current Price ₹ 316
  • High / Low ₹ 322 / 225
  • Stock P/E 26.7
  • Book Value ₹ 190
  • Dividend Yield 1.11 %
  • ROCE 8.26 %
  • ROE 7.04 %
  • Face Value ₹ 2.00
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Pros

  • Company has been maintaining a healthy dividend payout of 21.3%

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -3.48%
  • The company has delivered a poor sales growth of 8.48% over past five years.
  • Company has a low return on equity of 12.0% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50 BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
1,776 2,030 2,161 2,305 2,348 2,488 2,633 2,560 2,361 2,262 2,273 2,354 2,614
Interest 589 648 689 749 779 848 906 925 895 855 876 945 1,109
587 671 675 729 773 846 892 1,191 1,637 1,233 1,018 1,034 877
Financing Profit 600 710 796 827 796 793 835 444 -172 174 380 375 627
Financing Margin % 34% 35% 37% 36% 34% 32% 32% 17% -7% 8% 17% 16% 24%
23 27 13 21 14 24 4 3 2 3 2 5 12
Depreciation 56 56 62 62 65 64 67 70 66 75 79 77 75
Profit before tax 567 681 747 786 746 753 773 376 -236 102 302 303 564
Tax % 27% 27% 25% 27% 24% 26% 26% 26% -14% -30% 28% 21% 28%
415 498 561 575 564 557 572 278 -203 132 217 239 405
EPS in Rs 4.88 5.86 6.60 6.77 6.63 6.55 6.74 3.33 -2.26 1.63 2.60 2.85 4.77
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1,988 2,369 3,406 3,421 4,180 5,465 6,331 6,061 6,700 8,848 10,007 9,509
Interest 877 947 1,169 1,030 1,345 1,832 2,219 2,011 2,188 2,866 3,541 3,786
648 820 1,011 1,344 1,365 1,547 1,669 2,133 2,317 2,848 4,567 4,162
Financing Profit 462 601 1,225 1,047 1,469 2,086 2,443 1,916 2,195 3,134 1,899 1,561
Financing Margin % 23% 25% 36% 31% 35% 38% 39% 32% 33% 35% 19% 16%
5 3 3 58 63 86 44 65 50 72 34 15
Depreciation 54 56 63 68 75 164 171 198 204 246 267 307
Profit before tax 414 548 1,166 1,037 1,457 2,007 2,316 1,784 2,041 2,960 1,666 1,270
Tax % 34% 35% 35% 35% 35% 26% 26% 26% 26% 26% 28% 22%
271 355 758 676 949 1,480 1,725 1,329 1,500 2,197 1,204 993
EPS in Rs 3.23 4.20 8.98 8.04 11.16 17.37 20.37 15.70 17.67 25.86 14.37 11.85
Dividend Payout % 42% 54% 17% 25% 19% 16% 10% 19% 17% 13% 28% 23%
Compounded Sales Growth
10 Years: 15%
5 Years: 8%
3 Years: 12%
TTM: -5%
Compounded Profit Growth
10 Years: 11%
5 Years: -10%
3 Years: -12%
TTM: -17%
Stock Price CAGR
10 Years: 22%
5 Years: 15%
3 Years: 40%
1 Year: 38%
Return on Equity
10 Years: 17%
5 Years: 13%
3 Years: 12%
Last Year: 7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 168 168 168 169 169 169 169 169 169 169 169 188
Reserves 2,465 2,590 3,193 3,645 4,378 5,577 7,138 8,199 9,476 11,379 12,263 15,863
Borrowing 8,632 9,638 10,986 12,607 15,297 23,022 23,327 24,816 29,167 34,320 36,077 57,837
352 443 804 609 602 767 703 623 693 880 696 672
Total Liabilities 11,616 12,839 15,152 17,030 20,446 29,535 31,338 33,808 39,504 46,748 49,205 74,559
206 230 222 310 367 803 926 1,052 1,094 1,070 1,134 1,057
CWIP 1 0 1 0 1 3 8 13 17 33 11 27
Investments 217 49 5 5 174 90 338 421 534 726 788 2,051
11,193 12,560 14,925 16,715 19,904 28,639 30,066 32,322 37,860 44,918 47,272 71,424
Total Assets 11,616 12,839 15,152 17,030 20,446 29,535 31,338 33,808 39,504 46,748 49,205 74,559

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-888 -1,042 -1,271 -33 -1,661 -3,620 -619 -423 -3,103 -3,450 -467 -20,238
649 72 -25 -148 -371 26 -186 -193 -616 -601 -125 -1,632
265 772 1,211 293 2,388 6,049 59 438 3,849 4,092 1,132 23,834
Net Cash Flow 26 -198 -84 112 356 2,455 -747 -177 130 41 541 1,965
Free Cash Flow -912 -1,121 -1,324 -193 -1,787 -3,716 -672 -585 -3,275 -3,585 -662 -20,427
CFO/OP -56% -56% -36% 17% -40% -81% -0% 2% -60% -44% 5% -369%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 11% 13% 25% 19% 22% 28% 26% 17% 17% 21% 10% 7%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Dec 2026 (P)
Consolidated Gold Holdings
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Gold Loan AUM Per Branch
Rs Cr
Gold Loan Customer Base
Lakh
Microfinance Number of Borrowers (Asirvad)
Lakh
Microfinance Number of Branches (Asirvad)
Nos
Number of Gold Loan Branches
Nos ・Standalone data
Average Gold Loan Ticket Size
Rs '000
Share of Online Gold Loan (OGL) in Total Gold AUM
%
Consolidated Employee Strength
Nos

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
35.20% 35.20% 35.20% 35.20% 35.24% 35.25% 35.25% 35.25% 35.25% 35.25% 35.25% 31.77%
30.73% 27.08% 28.95% 31.99% 33.00% 30.36% 27.01% 28.43% 29.71% 30.16% 28.78% 23.23%
10.65% 12.25% 12.15% 9.50% 9.34% 10.97% 7.88% 7.99% 8.61% 9.17% 11.15% 12.96%
23.42% 25.47% 23.69% 23.32% 22.42% 23.41% 29.84% 28.33% 26.41% 25.41% 24.84% 32.03%
No. of Shareholders 3,70,9933,50,7103,85,1174,37,4884,52,0905,74,7266,66,7036,26,1375,99,5015,65,7945,51,9275,54,109

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

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