MANAPPURAM
Manappuram Finance Limited (MANAPPURAM) Stock Analysis
Manappuram Finance Limited is a leading Indian gold loan NBFC providing short-term credit against jewellery collateral through branches and digital channels. It serves underbanked customers with quick disbursements and auctions on default. Loan growth and gold prices influence the business. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹323.80
+1.31% 1W | +16.20% 52W
Market Cap
30.4k CR
P/E Ratio
19.9
52W High
₹381.6
52W Low
₹245.2
Div. Yield
1.24%
Beta
0.8
50 DMA
₹316.2
200 DMA
₹310.7
Profit Margin
30.5%
Inst. Own.
39.5%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,030 | 2,161 | 2,305 | 2,348 | 2,488 | 2,633 | 2,560 | 2,361 | 2,262 | 2,273 | 2,354 | 2,614 | 3,034 |
| Interest | 648 | 689 | 749 | 779 | 848 | 906 | 925 | 895 | 855 | 876 | 945 | 1,109 | 1,274 |
| Expenses | 671 | 675 | 729 | 773 | 846 | 892 | 1,191 | 1,637 | 1,233 | 1,018 | 1,034 | 877 | 906 |
| Financing Profit | 710 | 796 | 827 | 796 | 793 | 835 | 444 | -172 | 174 | 380 | 375 | 627 | 854 |
| Financing Margin % | 35% | 37% | 36% | 34% | 32% | 32% | 17% | -7% | 8% | 17% | 16% | 24% | 28% |
| Other Income | 27 | 13 | 21 | 14 | 24 | 4 | 3 | 2 | 3 | 2 | 5 | 12 | 6 |
| Depreciation | 56 | 62 | 62 | 65 | 64 | 67 | 70 | 66 | 75 | 79 | 77 | 75 | 78 |
| Profit before tax | 681 | 747 | 786 | 746 | 753 | 773 | 376 | -236 | 102 | 302 | 303 | 564 | 782 |
| Tax % | 27% | 25% | 27% | 24% | 26% | 26% | 26% | -14% | -30% | 28% | 21% | 28% | 25% |
| Net Profit | 498 | 561 | 575 | 564 | 557 | 572 | 278 | -203 | 132 | 217 | 239 | 405 | 585 |
| EPS in Rs | 5.86 | 6.60 | 6.77 | 6.63 | 6.55 | 6.74 | 3.33 | -2.26 | 1.63 | 2.60 | 2.85 | 4.30 | 6.22 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,988 | 2,369 | 3,406 | 3,421 | 4,180 | 5,465 | 6,331 | 6,061 | 6,700 | 8,848 | 10,012 | 9,509 | 10,275 |
| Interest | 877 | 947 | 1,169 | 1,030 | 1,345 | 1,832 | 2,219 | 2,011 | 2,188 | 2,866 | 3,541 | 3,786 | 4,204 |
| Expenses | 648 | 820 | 1,011 | 1,344 | 1,365 | 1,547 | 1,669 | 2,133 | 2,317 | 2,848 | 4,557 | 4,162 | 3,835 |
| Financing Profit | 462 | 601 | 1,225 | 1,047 | 1,469 | 2,086 | 2,443 | 1,916 | 2,195 | 3,134 | 1,913 | 1,561 | 2,236 |
| Financing Margin % | 23% | 25% | 36% | 31% | 35% | 38% | 39% | 32% | 33% | 35% | 19% | 16% | 22% |
| Other Income | 5 | 3 | 3 | 58 | 63 | 86 | 44 | 65 | 50 | 72 | 20 | 15 | 25 |
| Depreciation | 54 | 56 | 63 | 68 | 75 | 164 | 171 | 198 | 204 | 246 | 267 | 307 | 310 |
| Profit before tax | 414 | 548 | 1,166 | 1,037 | 1,457 | 2,007 | 2,316 | 1,784 | 2,041 | 2,960 | 1,666 | 1,270 | 1,950 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 26% | 26% | 26% | 26% | 26% | 28% | 22% | |
| Net Profit | 271 | 355 | 758 | 676 | 949 | 1,480 | 1,725 | 1,329 | 1,500 | 2,197 | 1,204 | 993 | 1,445 |
| EPS in Rs | 3.23 | 4.20 | 8.98 | 8.04 | 11.16 | 17.37 | 20.37 | 15.70 | 17.67 | 25.86 | 14.37 | 10.68 | 15.97 |
| Dividend Payout % | 42% | 54% | 17% | 25% | 19% | 16% | 10% | 19% | 17% | 13% | 28% | 19% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 8.0% | 15.0% |
| Profit CAGR | -13.0% | -10.0% | 11.0% |
Shareholding Pattern
Promoters35.25%
FIIs30.16%
DIIs9.17%
Public25.41%
Promoters35.25%
FIIs28.78%
DIIs11.15%
Public24.84%
Promoters31.77%
FIIs23.23%
DIIs12.96%
Public32.03%
Promoters41.66%
FIIs22.30%
DIIs14.85%
Public21.20%
Promoters41.66%
FIIs21.04%
DIIs17.56%
Public19.76%
Promoters35.20%
FIIs30.17%
DIIs13.54%
Public21.11%
Promoters35.20%
FIIs31.99%
DIIs9.50%
Public23.32%
Promoters35.25%
FIIs28.43%
DIIs7.99%
Public28.33%
Promoters31.77%
FIIs23.23%
DIIs12.96%
Public32.03%
Promoters41.66%
FIIs21.04%
DIIs17.56%
Public19.76%
MANAPPURAM
Holdings Analysis
Key strengths & risk signals
63
Overall
50
Fundamental
77
Technical
Risks (1)
Cannot calculate PEG - insufficient growth data.
Strengths (4)
EXCELLENT EFFICIENCY! 30.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (316.2) is above 200-day average (310.7) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
STRONG POSITION! Current price (323.8) is above both moving averages.
Fundamental & Technical Analysis
63Overall
50Fundamental
77Technical
Fundamental Breakdown
Growth Quality
10/30
Revenue CAGR: 7.3% (MODERATE, 8/15). Profit CAGR: -12.5% (DECLINING, 2/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 30.5% profit margin - company keeps strong profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
5/10
LOW DIVIDEND! 1.24% yield - minimal income contribution.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.90 - significant risk.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 23.42% public ownership - balanced ownership structure.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (316.2) is above 200-day average (310.7) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (323.8) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
6/10
POSITIVE YEAR! Stock gained 16.2% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 4,454,881 vs down days: 3,848,266. Ratio: 1.16x
RSI
3/5
NEUTRAL! RSI at 51.1 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 57.6% of 52W range - neutral zone.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 1.3% (1 week), 2.8% (1 month), -10.1% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
MANAPPURAM
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-11 | Concall PDF | |
| Q3FY262026-02-03 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MANAPPURAM | ₹323.80 | 19.9 | 30.5% | 7.3% | -12.5% | +16.2% | 63 | BREAKOUT | +322.4% | +44.7% | +26.1% | +16.9% |
| IREDA | ₹119.70 | 17 | 69.2% | 34.5% | 29.4% | -25.1% | 83 | BREAKOUT | – | +63.1% | – | +4.2% |
| HUDCO | ₹169.10 | 7.6 | 93.1% | 10.0% | 33.3% | -30.0% | 74 | BREAKOUT | +28.3% | +7.0% | +14.8% | +1.4% |
| IIFL | ₹627.00 | 10.7 | 26.1% | 13.6% | 3.4% | +16.2% | 68 | BREAKOUT | – | +13.5% | – | +7.6% |
| CHOLAHLDNG | ₹1,424.40 | 9.3 | 11.9% | 28.0% | 23.7% | -22.8% | 65 | CONSOLIDATING DOWN | +16.9% | -20.3% | +20.9% | +6.5% |
| CGCL | ₹245.20 | 18.1 | 36.4% | 49.7% | 66.8% | +22.5% | 90 | BREAKDOWN | – | +18.4% | +57.9% | +13.3% |
| M&MFIN | ₹280.20 | 10.8 | 32.0% | 13.3% | 11.3% | -8.8% | 69 | BREAKDOWN | – | -1.8% | – | +2.0% |
| POONAWALLA | ₹474.40 | 37.1 | 26.7% | 51.4% | -7.5% | +2.6% | 75 | BREAKOUT | – | +21.8% | – | +15.2% |
Data from TradeAlone · Updated daily
