Manappuram Finance Limited
Manappuram Finance Limited, a gold loan non-banking financial company, provides fund-based and fee-based financial services in India. It offers loans, such as gold, doorstep gold, online gold, vehicle, business, digital personal, and corporate loans; financing products, including two-wheeler finance, and micro home finance. The company also provides foreign exchange money transfer, digital wallet, and other services, such as depository services, demat account, and pan card services. In addition, it offers financing services for construction equipment and farm equipment. The company was formerly known as Manappuram General Finance and Leasing Limited and changed its name to Manappuram Finance Limited in 2011. Manappuram Finance Limited was founded in 1949 and is based in Thrissur, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Healthy return on equity of 15.1%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ6.91 K Cr | β | βΉ1.78 K Cr | β | β | β | 18.5% | 7.5% |
| Mar 2024 | βΉ5.83 K Cr | β | βΉ1.66 K Cr | β | β | β | 21.1% | 31.0% |
| Mar 2023 | βΉ4.82 K Cr | β | βΉ1.27 K Cr | β | β | β | 5.5% | -3.0% |
| Mar 2022 | βΉ4.56 K Cr | β | βΉ1.30 K Cr | β | β | β | -11.8% | -23.1% |
| Mar 2021 | βΉ5.17 K Cr | β | βΉ1.70 K Cr | β | β | β | 20.0% | 38.0% |
| Mar 2020 | βΉ4.31 K Cr | β | βΉ1.23 K Cr | β | β | β | 26.1% | 55.7% |
| Mar 2019 | βΉ3.42 K Cr | β | βΉ790.00 Cr | β | β | β | 16.8% | 14.7% |
| Mar 2018 | βΉ2.93 K Cr | β | βΉ689.00 Cr | β | β | β | -2.7% | -5.1% |
| Mar 2017 | βΉ3.01 K Cr | β | βΉ726.00 Cr | β | β | β | 35.9% | 115.4% |
| Mar 2016 | βΉ2.21 K Cr | β | βΉ337.00 Cr | β | β | β | 12.0% | 24.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 7,101 |
| Finance Costs | 2,571 |
| Total Expenses | 2,130 |
| Financing Profit | 2,399 |
| Financing Margin % | 34% |
| Other Income | 10 |
| Depreciation & Amortisation | 216 |
| Profit Before Tax | 2,193 |
| Tax % | - |
| Net Profit / PAT | 1,636 |
| EPS (βΉ) | 19.33 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Manappuram Finance Limitedthis co. | βΉ26.07 K Cr | βΉ6.91 K Cr | 15.90 | 2.10 | 0.00 | 18.5% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |