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Manappuram Finance Limited

Manappuram Finance Limited

286.10
INR
-15.80
(-5.23%)
15.36EPS
20.86P/E
304.53BMarket Cap
Nov 09Next Earn
Manappuram Finance Limited
NSE:MANAPPURAM
(National Stock Exchange of India)

Recent

price

286.10

P/E

ratio

20.86

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
-2.28
19.18
13.25
13.04
13.54
17.16
26.92
28.91
33.95
43.68
48.69
47.71
52.68
70.16
74.54
65.04
68.5
Revenue per Share
1.9
7.06
2.48
2.69
3.23
4.2
8.98
8.04
11.16
17.39
20.39
15.7
17.67
25.86
14.37
11.84
15.54
Basic EPS, GAAP
-31.66
-26.38
14.25
34.45
-10.86
-13.34
-15.74
-0.39
-19.72
-42.88
-7.32
-5
-36.66
-40.76
-6.12
-238.74
- -
Free Cash Flow per Basic Share
0.11
1.1
1.47
1.35
1.35
2.26
1.5
2.41
2.59
3.39
1.31
3
3.09
3.48
4
2
- -
Dividend per Share
23.08
28.31
29.04
29.62
31.3
32.79
39.95
45.29
53.95
68
86.34
98.87
113.95
136.43
146.88
170.87
- -
Book Value per Share
22.93
28.22
28.95
29.49
30.85
32.33
39.49
44.8
53.3
67.34
85.59
98.12
113.17
135.59
145.83
169.94
- -
Tangible Book Value per Share
1,486
837
841
841
841
841
842
842
843
844
846
846
846
846
846
848
880
Basic Weighted Avg Shares
-3,392
16,058
11,142
10,972
11,394
14,437
22,653
24,344
28,608
36,871
41,180
40,381
44,584
59,382
63,095
55,138
60,307
Sales/Revenue/Turnover
293.17
220.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
213
483
617
639
540
558
632
683
752
1,642
1,709
1,980
2,039
2,464
2,674
3,093
3,055
Depreciation Expense
2,827
5,915
2,084
2,260
2,713
3,534
7,558
6,772
9,405
14,678
17,243
13,284
14,960
21,887
12,161
10,033
13,680
Net Income, GAAP
33.32
32.57
32
34.12
34.37
35.24
34.93
34.81
34.88
26.25
25.52
25.5
26.5
25.75
27.72
21.81
22.25
Effective Tax Rate (%)
-83.34
36.83
18.71
20.6
23.81
24.48
33.37
27.82
32.87
39.81
41.87
32.9
33.55
36.86
19.27
18.2
22.68
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,939
92,957
98,425
77,956
86,354
96,418
110,035
126,095
152,992
230,250
233,291
248,202
291,693
343,220
360,790
578,392
- -
LT Debt
19,240
23,810
24,429
24,918
26,482
27,792
33,845
38,453
45,925
58,044
73,546
83,845
96,652
115,770
124,489
160,572
- -
Total Equity
-13.62
18.14
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
5.81
4.52
1.34
2
2.51
2.97
5.62
4.39
5.13
5.97
5.79
4.16
4.14
5.15
2.6
1.66
- -
Return on Capital (%)
22.31
27.48
8.64
9.16
10.59
13.11
24.7
18.86
22.49
28.52
26.42
16.95
16.61
20.65
10.14
7.05
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
846
939
939
Market Capitalization
261,167
235,867
304,533

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
60,802
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.35%
17.12%
28.99%
Free Cash Flow
920.21%
867.38%
3,808.92%
Net Income, GAAP
18.99%
-5.2%
-17.5%
Sales/Revenue/Turnover
15.78%
7.06%
-12.61%
Total Cash Common Dividend
11.42%
21.95%
-50%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
16,461
17,143
16,147
14,434
63,095
2026
13,881
- -
13,956
14,967
55,138
2027
17,503
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.58
6.75
3.29
-2.4
14.37
2026
1.57
- -
2.82
4.77
11.84
2027
6.23
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
4
2026
- -
- -
- -
- -
2
2027
- -
- -
- -
- -
- -
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Business
Manappuram Finance Limited is a non-banking financial company (NBFC) primarily engaged in providing a diverse range of financial products and services, including gold loans, microfinance, housing finance, vehicle finance, and SME loans. The company also offers insurance products and asset management services, operating largely within India with a focus on retail customers and small businesses. Founded in 1949 and headquartered in Valapad, Kerala, India, Manappuram Finance is recognized for its strong presence in gold loan financing, which constitutes a significant portion of its portfolio. Manappuram Finance's main products and services include secured gold loans under various schemes; microfinance loans targeting economically weaker sections; housing finance products such as home loans and loan against property; vehicle loans for two-wheelers and commercial vehicles; SME loans designed to support small and medium enterprises; along with distribution of insurance products and mutual funds. The company employs a widespread branch network across India to serve these products and maintain customer proximity. In the last 1-2 years, Manappuram Finance has undergone notable strategic expansions and operational changes. These include strengthening its digital lending platform to enhance customer experience and operational efficiency, expanding its microfinance and housing finance segments to diversify its revenue base, and forging new partnerships to broaden its insurance and asset management offerings. Additionally, the company has made key acquisitions to enhance its market position in vehicle and SME financing. There have been no recent changes in the company name or major rebranding initiatives. Manappuram Finance operates within the financial services industry, catering to individual retail customers, small business owners, and micro-entrepreneurs across urban, semi-urban, and rural areas in India. Its operations are supported by several subsidiaries that focus on specialized financial services. The company is publicly listed with the ticker MANAPPURAM.NS and complies with stringent regulatory norms under the Reserve Bank of India, confirming its commitment to responsible lending and financial inclusion.