Manba Finance Ltd

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

Manba Finance Ltd

₹ 135 -1.21%
27 May - close price
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 ₹ 678 Cr.
  • Current Price ₹ 135
  • High / Low ₹ 202 / 119
  • Stock P/E 17.9
  • Book Value ₹ 73.4
  • Dividend Yield 0.37 %
  • ROCE 13.1 %
  • ROE 13.3 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.4% 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

Sector: Finance Industry: Finance & Investments

Part of BSE IPO

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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
30.19 34.74 35.15 48.08 55.22 49.01 64.59 68.87 67.94
Interest 13.10 15.99 17.61 21.80 24.12 23.48 27.06 28.29 29.01
14.16 15.44 13.25 18.84 18.80 17.90 20.52 22.98 26.51
Financing Profit 2.93 3.31 4.29 7.44 12.30 7.63 17.01 17.60 12.42
Financing Margin % 9.71% 9.53% 12.20% 15.47% 22.27% 15.57% 26.34% 25.56% 18.28%
0.98 1.87 0.99 0.00 0.05 0.01 0.02 0.00 0.00
Depreciation 0.81 1.06 1.13 1.13 1.10 1.11 1.12 1.14 1.23
Profit before tax 3.10 4.12 4.15 6.31 11.25 6.53 15.91 16.46 11.19
Tax % -25.48% 40.53% 35.66% 23.45% 12.98% 20.67% 26.90% 21.26% 28.33%
3.89 2.46 2.68 4.83 9.79 5.18 11.64 12.96 8.02
EPS in Rs 3.10 1.96 2.13 3.85 2.60 1.38 2.32 2.58 1.60
Gross NPA % 3.56% 3.64% 2.83%
Net NPA % 2.89% 2.84% 2.21%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
87 118 105 107 133 192 250
Interest 35 50 51 47 57 82 108
31 38 34 37 52 67 88
Financing Profit 22 29 21 23 25 43 55
Financing Margin % 25% 25% 19% 21% 19% 22% 22%
1 -3 -5 -7 1 0 0
Depreciation 2 2 4 4 4 4 5
Profit before tax 21 24 12 12 21 39 50
Tax % 32% 24% 25% 22% 28% 19% 25%
14 18 9 9 15 31 38
EPS in Rs 15.20 14.49 7.22 7.51 12.11 8.28 7.52
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 16%
3 Years: 33%
TTM: 31%
Compounded Profit Growth
10 Years: %
5 Years: 13%
3 Years: 36%
TTM: 21%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 13%
Last Year: 13%

Balance Sheet

Figures in Rs. Crores

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

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
7 73 18 -124 -141 -324
-1 -1 -1 -19 1 -15
-13 -69 19 202 156 453
Net Cash Flow -7 3 36 59 16 115

Ratios

Figures in Rs. Crores

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

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025
74.98% 74.98% 74.98%
5.16% 2.35% 0.92%
3.26% 0.42% 0.00%
16.60% 22.26% 24.09%
No. of Shareholders 36,35124,80723,661

* 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

No data available.

DRHP

Credit ratings

Concalls