Manba Finance Ltd

Manba Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Manba Finance Ltd

₹ 130 0.54%
24 Jun 9:31 a.m.
manbafinance.com BSE: 544262 NSE: MANBA
About

Incorporated in 1996, Manba Finance Ltd provides finance for vehicles, used cars, small business loans and personal loans[1]

Key Points

Business Overview:[1][2]
MFL is an RBI registered Non Systematically Important Non Deposit Taking Non Banking Financial Company. It used to be a DSA for ICICI Bank for two-wheeler loans and later started its own book. Currently, it provides two wheelers, three wheelers, used cars, small business loans and personal loans.

Geographic Presence & Network:[2][3]
The company has a presence across 71 locations with a network of 1,118 dealers in 6 states which includes Maharashtra ~502, Gujarat ~248, Rajasthan ~160, Madhya Pradesh ~49, Uttar Pradesh ~21, and Chhattisgarh ~138.

Website BSE NSE
  • Market Cap ₹ 653 Cr.
  • Current Price ₹ 130
  • High / Low ₹ 160 / 98.0
  • Stock P/E 14.4
  • Book Value ₹ 81.6
  • Dividend Yield 0.58 %
  • ROCE 12.5 %
  • ROE 11.6 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 29.0% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.3% 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 Financial Services

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Mar 2023 Jun 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
30 35 35 48 55 49 65 69 68 67 78 90 93
Interest 13 16 18 22 24 23 27 28 29 32 35 42 43
14 15 13 19 19 18 21 23 27 23 26 30 33
Financing Profit 3 3 4 7 12 8 17 18 12 11 16 18 18
Financing Margin % 10% 10% 12% 15% 22% 16% 26% 26% 18% 17% 21% 20% 19%
1 2 1 0 0 0 0 0 0 2 -0 0 0
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 1
Profit before tax 3 4 4 6 11 7 16 16 11 12 15 17 17
Tax % -25% 41% 36% 23% 13% 21% 27% 21% 28% 20% 25% 24% 34%
4 2 3 5 10 5 12 13 8 10 11 13 11
EPS in Rs 3.10 1.96 2.13 3.85 2.60 1.38 2.32 2.58 1.60 1.94 2.27 2.60 2.22
Gross NPA % 3.56% 3.37% 3.64% 2.83% 3.68% 3.38% 3.58%
Net NPA % 2.89% 2.70% 2.84% 2.21% 2.82% 2.57% 2.67%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
29 87 118 105 107 133 192 250 328
Interest 11 35 50 51 47 57 82 108 152
12 31 38 34 37 52 67 88 112
Financing Profit 6 22 29 21 23 25 43 55 64
Financing Margin % 21% 25% 25% 19% 21% 19% 22% 22% 20%
0 1 -3 -5 -7 1 0 -0 2
Depreciation 1 2 2 4 4 4 4 5 5
Profit before tax 6 21 24 12 12 21 39 50 62
Tax % 32% 32% 24% 25% 22% 28% 19% 25% 26%
4 14 18 9 9 15 31 38 45
EPS in Rs 7.00 15.20 14.49 7.22 7.51 12.11 8.28 7.52 9.03
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 10% 3%
Compounded Sales Growth
10 Years: %
5 Years: 26%
3 Years: 35%
TTM: 31%
Compounded Profit Growth
10 Years: %
5 Years: 29%
3 Years: 44%
TTM: 20%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -7%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 13%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 6 9 13 13 13 13 38 50 50
Reserves 32 94 123 130 140 154 163 319 360
Borrowing 97 372 394 379 395 608 763 1,084 1,556
8 31 11 6 16 15 10 13 14
Total Liabilities 143 506 541 528 564 789 974 1,466 1,979
10 15 14 16 13 22 20 18 15
CWIP 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 18 27 38 94
133 491 527 512 551 749 927 1,410 1,870
Total Assets 143 506 541 528 564 789 974 1,466 1,979

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
7 73 18 -124 -141 -324 -378
-1 -1 -1 -19 1 -15 -60
-13 -69 19 202 156 453 465
Net Cash Flow -7 3 36 59 16 115 27
Free Cash Flow 6 71 18 -125 -143 -326 -379
CFO/OP 8% 102% 27% -152% -113% -199% -175%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 10% 13% 17% 9% 10% 10% 17% 13% 12%

Insights

In beta
Mar 2014 Mar 2018 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Million

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Disbursements
INR Million
AUM Per Employee
INR Million
Average Yield on Average AUM
%
Number of Dealers
Count
Number of Locations
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
74.98% 74.98% 74.98% 74.98% 74.98% 74.98% 74.98%
5.16% 2.35% 0.92% 0.87% 0.88% 0.92% 0.87%
3.26% 0.42% 0.00% 0.00% 0.00% 0.00% 0.00%
16.60% 22.26% 24.09% 24.16% 24.15% 24.11% 24.15%
No. of Shareholders 36,35124,80723,66122,31221,18419,44618,491

* 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

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