Manappuram Finance Limited (MANAPPURAM) Price & Analysis

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MANAPPURAM Stock Chart & Stats

₹309.35

-₹2.11(-1.16%)

At close: Jan 08 4:00 PM EST

₹309.35

-₹2.11(-1.16%)

Day’s Range― - ―

52-Week Range₹207.85 - ₹320.95

Previous CloseN/A

Volume5.53M

Average Volume (3M)124.77K

Market Cap

₹217.32B

Enterprise Value₹575.98B

Total Cash (Recent Filing)₹25.09B

Total Debt (Recent Filing)₹383.66B

Price to Earnings (P/E)27.1

Beta1.25

Next Earnings

May 15, 2026

EPS Estimate

4.91

Next Dividend Ex-DateN/A

Dividend Yield0.8%

Share Statistics

EPS (TTM)2.80

Shares Outstanding846,434,750

10 Day Avg. Volume165,223

30 Day Avg. Volume124,768

Financial Highlights & Ratios

PEG Ratio-0.37

Price to Book (P/B)1.60

Price to Sales (P/S)2.01

P/FCF Ratio-29.97

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)13.34

Revenue Forecast (FY)₹59.53B

Bulls Say, Bears Say

Bulls Say

Secured Gold-loans Business ModelGold-backed lending is collateralized with short tenors and frequent renewals, producing repeat customers and predictable interest income. This durable business model reduces unsecured credit risk, supports high portfolio turnover, and sustains cash generation potential across credit cycles.

Very High Gross MarginsConsistently >90% gross margins indicate strong lending spreads and tight direct cost control on core products. Such a margin buffer gives the company structural resilience to absorb higher funding costs or credit losses and underpins long-term operating leverage if origination volumes are preserved.

Large Origination ScaleA workforce of over 51,000 signals broad distribution and servicing reach across retail markets. Scale supports customer acquisition, collection capabilities and cross-sell, creating a durable competitive advantage in retail secured lending that is costly and time-consuming for smaller entrants to replicate.

Bears Say

High LeverageElevated leverage increases refinancing and interest-rate risk for an NBFC whose margins depend on funding spreads. Structurally high debt limits financial flexibility, amplifies earnings volatility through funding-cost shifts, and constrains the company’s ability to invest or absorb prolonged stress.

Negative Operating & Free Cash FlowPersistent negative operating and free cash flows signal weak cash conversion despite reported profits. This structural cash shortfall forces reliance on external funding, raises refinancing and liquidity risk, and limits capacity to de-lever, invest in growth, or return capital over coming quarters.

Declining Revenue And EPSNegative revenue growth and a steep EPS decline reflect weakening demand or margin compression in core retail lending. If persistent, this erodes return on equity, undermines scale economics and reduces reinvestment capacity, posing a structural threat to medium-term earnings recovery.

Manappuram Finance Limited News

RBI Fines Manappuram Finance for Breach of Variable Pay Rules

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has provided an announcement. Manappuram Finance Limited has disclosed that the Reserve...

5d ago

Manappuram Finance CEO Deepak Reddy Takes Overseas Medical Leave

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has provided an announcement. Manappuram Finance has disclosed that its Chief Executive...

21d ago

Manappuram Finance Uploads Q3 FY26 Results Call Transcript for Investor Access

An update from Manappuram Finance Limited ( ($IN:MANAPPURAM) ) is now available. Manappuram Finance Limited has notified the...

1M ago

Manappuram Finance Uploads Q3 FY26 Earnings Call Audio for Investors

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has issued an announcement. Manappuram Finance Limited has notified the stock exchanges...

2M ago

Manappuram Rejects Report of Regulatory Delay in Bain Capital Deal

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has shared an announcement. Manappuram Finance Limited has clarified to stock exchanges...

2M ago

Manappuram Finance Calls EGM to Raise Borrowing Limits and Revise Director Pay

The latest update is out from Manappuram Finance Limited ( ($IN:MANAPPURAM) ). Manappuram Finance Limited has called an...

3M ago

Manappuram Finance Hikes Borrowing Limit to Rs 75,000 Crore, Names New Group CFO

The latest update is out from Manappuram Finance Limited ( ($IN:MANAPPURAM) ). Manappuram Finance Limited’s board has approved...

3M ago

Manappuram Finance Boosts Borrowing Limits, Names Group CFO and Raises Stake in Microfinance Arm

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has issued an announcement. Manappuram Finance Limited’s board has approved a significant...

3M ago

Manappuram Finance Transfers Unclaimed Shares to IEPF

Manappuram Finance Limited ( ($IN:MANAPPURAM) ) has shared an update. Manappuram Finance Limited has announced the transfer of...

3M ago

Manappuram Finance Releases Q2 FY 2025-26 Results Conference Call Recording

The latest update is out from Manappuram Finance Limited ( ($IN:MANAPPURAM) ). Manappuram Finance Limited announced the availability...

5M ago

MANAPPURAM FAQ

What was Manappuram Finance Limited’s price range in the past 12 months?

Manappuram Finance Limited lowest stock price was ₹207.85 and its highest was ₹320.95 in the past 12 months.

What is Manappuram Finance Limited’s market cap?

Manappuram Finance Limited’s market cap is ₹217.32B.

When is Manappuram Finance Limited’s upcoming earnings report date?

Manappuram Finance Limited’s upcoming earnings report date is May 15, 2026 which is in 57 days.

How were Manappuram Finance Limited’s earnings last quarter?

Manappuram Finance Limited released its earnings results on Jan 29, 2026. The company reported ₹2.8 earnings per share for the quarter, missing the consensus estimate of ₹3.455 by -₹0.655.

Is Manappuram Finance Limited overvalued?

According to Wall Street analysts Manappuram Finance Limited’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Manappuram Finance Limited pay dividends?

Manappuram Finance Limited pays a Quarterly dividend of ₹0.5 which represents an annual dividend yield of 0.8%. See more information on Manappuram Finance Limited dividends here

What is Manappuram Finance Limited’s EPS estimate?

Manappuram Finance Limited’s EPS estimate is 4.91.

How many shares outstanding does Manappuram Finance Limited have?

Manappuram Finance Limited has 846,434,750 shares outstanding.

What happened to Manappuram Finance Limited’s price movement after its last earnings report?

Manappuram Finance Limited reported an EPS of ₹2.8 in its last earnings report, missing expectations of ₹3.455. Following the earnings report the stock price went up 1.766%.

Which hedge fund is a major shareholder of Manappuram Finance Limited?

Currently, no hedge funds are holding shares in IN:MANAPPURAM

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Manappuram Finance Limited

Manappuram Finance Limited, a gold loan non-banking financial company, provides retail credit products and financial services in India. It offers loans against the security of used household gold jewelry; gold loans and online gold loans; microfinance loans and other financial services to low-income populations in rural and semi-urban areas; loans for building, extension, purchase, and improvement of homes; life and non-life insurance products; and IT solutions. The company also provides fee-based services, which include money transfer, foreign exchange, and depository services. In addition, it offers vehicle and equipment finance, including auto loans, as well as two-wheeler, construction equipment, and farm equipment finance. The company serves retail, microfinance, small and medium enterprises, and commercial customers. As of March 31, 2022, it operated 3,526 branches in 22 states and 6 Union Territories. 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.