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Manappuram Finance Limited (IN:MANAPPURAM)
:MANAPPURAM
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Manappuram Finance Limited
(MANAPPURAM)
Rating:56Neutral
Price Target:
₹278.00
▲(6.35% Upside)
Manappuram Finance Limited (MANAPPURAM) vs. iShares MSCI India ETF (INDA)
Market Cap
₹221.26B
Dividend Yield1.15%
Average Volume (3M)192.90K
Price to Earnings (P/E)27.8
Beta (1Y)1.12
Revenue Growth4.83%
EPS Growth-64.41%
CountryIN
Employees51,004
SectorFinancial
Sector Strength73
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.58
Shares Outstanding846,434,750
10 Day Avg. Volume102,404
30 Day Avg. Volume192,902
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹281.60Price Target Upside7.73% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
Manappuram Finance Limited Business Overview & Revenue Model
Company DescriptionManappuram Finance Limited (MANAPPURAM) is a leading non-banking financial company (NBFC) in India, primarily engaged in providing gold loans, along with a diverse range of financial services including microfinance, vehicle loans, and insurance products. Established in 1992, the company has built a strong presence in the financial sector, catering to a wide customer base, particularly in rural and semi-urban areas. Its core offerings include secured gold loans, which leverage gold jewelry as collateral, thus providing immediate liquidity to borrowers.
How the Company Makes MoneyManappuram generates revenue primarily through the interest income earned on gold loans, which are its main financial product. The company charges interest on the loan amount extended against the value of gold pledged by customers. In addition to gold loans, Manappuram earns income from other segments, including microfinance, where small loans are provided to low-income individuals, and vehicle financing. The company also generates revenue through insurance products and investments in financial instruments. Significant partnerships with banks and financial institutions enhance its lending capabilities and expand its customer reach. Furthermore, the company benefits from a strong brand reputation and an extensive branch network, which contribute to a steady inflow of new customers and repeat business, thus bolstering its overall earnings.
Manappuram Finance Limited Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 65.00B | 54.18B | 45.37B | 40.38B | 41.18B |
| Gross Profit | 65.00B | 59.59B | 43.08B | 38.14B | 39.27B |
| EBITDA | 55.68B | 32.06B | 0.00 | 0.00 | 0.00 |
| Net Income | 12.16B | 21.89B | 14.96B | 13.28B | 17.24B |
Balance Sheet | |||||
| Total Assets | 492.05B | 467.48B | 395.04B | 338.11B | 313.38B |
| Cash, Cash Equivalents and Short-Term Investments | 38.08B | 28.30B | 25.00B | 23.71B | 25.48B |
| Total Debt | 349.19B | 343.20B | 291.67B | 248.20B | 233.19B |
| Total Liabilities | 367.56B | 351.71B | 298.39B | 254.26B | 239.83B |
| Stockholders Equity | 124.32B | 115.48B | 96.45B | 83.68B | 73.07B |
Cash Flow | |||||
| Free Cash Flow | -6.62B | -35.19B | -32.76B | -5.86B | -6.73B |
| Operating Cash Flow | -4.67B | -33.83B | -31.03B | -4.23B | -6.19B |
| Investing Cash Flow | -1.25B | -5.93B | -6.16B | -1.93B | -1.86B |
| Financing Cash Flow | 11.32B | 40.25B | 38.49B | 4.38B | 585.15M |
Manappuram Finance Limited Technical Analysis
Neutral
261.40
Price Trends
265.64
Negative
251.02
Positive
219.61
Positive
Market Momentum
0.71
Negative
47.82
Neutral
34.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MANAPPURAM, the sentiment is Neutral. The current price of 261.4 is above the 20-day moving average (MA) of 261.01, below the 50-day MA of 265.64, and above the 200-day MA of 219.61, indicating a neutral trend. The MACD of 0.71 indicates Negative momentum. The RSI at 47.82 is Neutral, neither overbought nor oversold. The STOCH value of 34.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:MANAPPURAM.
Manappuram Finance Limited Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹1.06T | 17.45 | 0.99% | 38.22% | 37.80% | ||
68 Neutral | $17.90B | 11.92 | 10.28% | 3.72% | 9.73% | 1.69% | |
56 Neutral | ₹221.26B | 27.82 | 1.15% | 4.83% | -64.41% | ||
56 Neutral | ₹181.66B | 56.04 | 0.75% | 2.65% | -81.55% | ||
46 Neutral | ₹305.12B | 5.47 | 1.80% | 4.57% | 15.87% | ||
| ― | ₹360.57B | 14.50 | 6.59% | ― | ― | ||
51 Neutral | ₹333.31B | 170.63 | 0.94% | 29.15% | -118.68% |
* Financial Sector Average
Performance Comparison
IN:MANAPPURAM
Manappuram Finance Limited
261.40
52.20
24.95%
IN:IIFL
IIFL Finance Limited
427.45
-29.85
-6.53%
IN:LICHSGFIN
LIC Housing Finance Ltd
554.70
-109.06
-16.43%
IN:M&MFIN
Mahindra & Mahindra Financial Services Ltd.
253.95
-51.56
-16.88%
IN:MUTHOOTFIN
Muthoot Finance Ltd
2,636.05
697.27
35.96%
IN:POONAWALLA
Poonawalla Fincorp Limited
431.05
42.85
11.04%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.