Manappuram Finance Ltd
MANAPPURAM
Finance
₹ 231.81
Price
₹ 19,632
Market Cap
Mid Cap
16.74
P/E Ratio
📊 Score Snapshot
6.55 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
43.55 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -23.81 | -49.91 | -45.23 | -20.08 | -11.17 | -45.04 | -19.70 | -15.03 |
| Adj Cash PAT | -2,058 | -4,217 | -3,825 | -1,697 | -944.37 | -3,794 | -1,651 | -1,267 |
| Adj Cash PAT To PAT | -1.75 | -1.92 | -2.55 | -1.28 | -0.55 | -2.56 | -1.74 | -1.87 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 14.37 | 25.86 | 17.68 | 15.71 | 20.38 | 17.38 | 11.16 | 8.04 |
| Adj Number Of Shares | 84.62 | 84.65 | 84.66 | 84.59 | 84.63 | 84.51 | 84.23 | 84.20 |
| Adj PE | 16.75 | 7.42 | 7.00 | 7.68 | 7.71 | 5.32 | 10.82 | 14.62 |
| Adj Peg | - | 0.16 | 0.56 | - | 0.45 | 0.10 | 0.28 | - |
| Bvps | - | 136.76 | 114.16 | 99.11 | 86.90 | 68.68 | 54.53 | 45.64 |
| Cash Revenue | 10,041 | 17,690 | 13,401 | 12,120 | 12,662 | 10,930 | 8,358 | 6,841 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.49 | 1.75 | 2.43 | 2.47 | 1.30 | 3.01 | 1.76 | 1.71 |
| Fcfe | -371.00 | 272.44 | 204.60 | -838.29 | -531.37 | 2,661 | 904.41 | 21,215 |
| Fcfe Margin | -3.69 | 1.54 | 1.53 | -6.92 | -4.20 | 24.34 | 10.82 | 310.12 |
| Fcfe To Adj PAT | -0.32 | 0.12 | 0.14 | -0.63 | -0.31 | 1.80 | 0.95 | 31.37 |
| Market Cap | 19,643 | 16,244 | 10,477 | 10,206 | 13,300 | 7,813 | 10,175 | 9,885 |
| PB | - | 1.40 | 1.08 | 1.22 | 1.81 | 1.35 | 2.22 | 2.57 |
| PE | 16.15 | 7.42 | 7.00 | 7.68 | 7.71 | 5.32 | 10.82 | 14.60 |
| Peg | - | 0.16 | 0.56 | - | 0.45 | 0.10 | 0.28 | - |
| PS | 1.96 | 0.92 | 0.78 | 0.84 | 1.05 | 0.71 | 1.22 | 1.44 |
| ROE | - | 20.69 | 16.63 | 16.90 | 26.23 | 28.49 | 22.51 | 18.71 |
| Share Price | 232.13 | 191.90 | 123.75 | 120.65 | 157.15 | 92.45 | 120.80 | 117.40 |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,360 | 5,120 | 5,266 | 4,976 | 4,708 | 4,614 | 4,322 | 4,060 | 3,552 | 3,430 | 3,392 | 3,004 | 2,962 | 1,484 |
| Interest | 895.00 | 925.00 | 906.00 | 848.00 | 779.00 | 749.00 | 689.00 | 648.00 | 589.00 | 566.00 | 528.00 | 505.00 | 495.00 | 531.00 |
| Expenses - | 1,638 | 1,191 | 892.00 | 846.00 | 773.00 | 729.00 | 675.00 | 671.00 | 587.00 | 575.00 | 587.00 | 568.00 | 584.00 | 572.00 |
| Financing Profit | -173.00 | 444.00 | 835.00 | 793.00 | 796.00 | 827.00 | 796.00 | 710.00 | 600.00 | 574.00 | 581.00 | 429.00 | 402.00 | 381.00 |
| Financing Margin % | -7.33 | 8.67 | 15.86 | 15.94 | 16.91 | 17.92 | 18.42 | 17.49 | 16.89 | 16.73 | 17.13 | 14.28 | 13.57 | 25.67 |
| Other Income - | 3.52 | 2.91 | 4.04 | 23.71 | 14.12 | 21.40 | 13.34 | 27.04 | 23.00 | 19.36 | 17.86 | 0.75 | 9.96 | 22.40 |
| Depreciation | 66.00 | 70.00 | 67.00 | 64.00 | 65.00 | 62.00 | 62.00 | 56.00 | 56.00 | 53.00 | 46.00 | 49.00 | 58.00 | 56.00 |
| Profit Before Tax | -236.00 | 376.00 | 773.00 | 753.00 | 746.00 | 786.00 | 747.00 | 681.00 | 567.00 | 541.00 | 553.00 | 381.00 | 354.00 | 348.00 |
| Tax % | 13.98 | 26.06 | 26.00 | 26.03 | 24.40 | 26.84 | 24.90 | 26.87 | 26.81 | 27.36 | 26.04 | 25.98 | 26.27 | 25.00 |
| Net Profit - | -203.00 | 278.00 | 572.00 | 557.00 | 564.00 | 575.00 | 561.00 | 498.00 | 415.00 | 393.00 | 409.00 | 282.00 | 261.00 | 261.00 |
| Minority Share | 12.00 | 4.00 | -1.00 | -2.00 | -2.00 | -2.00 | -2.00 | -2.00 | -2.00 | -1.00 | -1.00 | - | - | - |
| Profit For PE | -191.00 | 278.00 | 571.00 | 555.00 | 562.00 | 573.00 | 558.00 | 496.00 | 413.00 | 392.00 | 408.00 | 282.00 | 261.00 | 261.00 |
| Profit For EPS | -191.00 | 282.00 | 571.00 | 555.00 | 562.00 | 573.00 | 558.00 | 496.00 | 413.00 | 392.00 | 408.00 | 282.00 | 261.00 | 261.00 |
| EPS In Rs | -2.26 | 3.33 | 6.74 | 6.55 | 6.63 | 6.77 | 6.60 | 5.86 | 4.88 | 4.63 | 4.82 | 3.33 | 3.08 | 3.08 |
| PAT Margin % | -8.60 | 5.43 | 10.86 | 11.19 | 11.98 | 12.46 | 12.98 | 12.27 | 11.68 | 11.46 | 12.06 | 9.39 | 8.81 | 17.59 |
| PBT Margin | -10.00 | 7.34 | 14.68 | 15.13 | 15.85 | 17.04 | 17.28 | 16.77 | 15.96 | 15.77 | 16.30 | 12.68 | 11.95 | 23.45 |
| Tax | -33.00 | 98.00 | 201.00 | 196.00 | 182.00 | 211.00 | 186.00 | 183.00 | 152.00 | 148.00 | 144.00 | 99.00 | 93.00 | 87.00 |
| Yoy Profit Growth % | -134.00 | -51.00 | 2.00 | 12.00 | 36.00 | 46.00 | 37.00 | 76.00 | 58.00 | 50.00 | 10.00 | -35.00 | -44.00 | -46.00 |
| Adj PAT | -203.00 | 278.00 | 572.00 | 557.00 | 564.00 | 575.00 | 561.00 | 498.00 | 415.00 | 393.00 | 409.00 | 282.00 | 261.00 | 261.00 |
| Adj PAT Margin | -8.60 | 5.43 | 10.86 | 11.19 | 11.98 | 12.46 | 12.98 | 12.27 | 11.68 | 11.46 | 12.06 | 9.39 | 8.81 | 17.59 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10,041 | 17,696 | 13,400 | 12,122 | 12,662 | 10,930 | 8,360 | 6,842 | 6,812 | 4,738 | 3,976 | 4,200 |
| Interest | 3,575 | 2,866 | 2,188 | 2,011 | 2,219 | 1,832 | 1,345 | 1,030 | 1,169 | 947.00 | 877.00 | 1,027 |
| Expenses - | 4,567 | 2,848 | 2,317 | 2,133 | 1,669 | 1,547 | 1,365 | 1,344 | 1,011 | 820.00 | 648.00 | 678.00 |
| Financing Profit | 1,899 | 3,134 | 2,195 | 1,916 | 2,443 | 2,086 | 1,469 | 1,047 | 1,225 | 601.00 | 462.00 | 396.00 |
| Financing Margin % | 18.91 | 17.71 | 16.38 | 15.81 | 19.29 | 19.09 | 17.57 | 15.30 | 17.98 | 12.68 | 11.62 | 9.43 |
| Other Income - | 3.18 | 71.49 | 49.47 | 64.35 | 43.24 | 84.65 | 61.89 | 58.12 | 2.86 | 2.04 | 4.67 | 10.89 |
| Exceptional Items | - | 0.59 | 0.81 | 0.95 | 0.84 | 1.22 | 0.63 | 0.31 | 0.52 | 0.69 | 0.71 | 0.48 |
| Depreciation | 267.00 | 246.00 | 204.00 | 198.00 | 171.00 | 164.00 | 75.00 | 68.00 | 63.00 | 56.00 | 54.00 | 64.00 |
| Profit Before Tax | 1,635 | 2,960 | 2,041 | 1,784 | 2,316 | 2,007 | 1,457 | 1,037 | 1,166 | 548.00 | 414.00 | 343.00 |
| Tax % | 28.26 | 25.78 | 26.51 | 25.50 | 25.52 | 26.26 | 34.87 | 34.81 | 34.99 | 35.22 | 34.54 | 34.11 |
| Net Profit - | 1,173 | 2,197 | 1,500 | 1,329 | 1,725 | 1,480 | 949.00 | 676.00 | 758.00 | 355.00 | 271.00 | 226.00 |
| Minority Share | 43.00 | -9.00 | -4.00 | - | -1.00 | -13.00 | -8.00 | 1.00 | -3.00 | -2.00 | - | - |
| Exceptional Items At | - | - | 1.00 | 1.00 | 1.00 | 1.00 | - | - | - | - | - | - |
| Profit For PE | 1,173 | 2,188 | 1,495 | 1,328 | 1,724 | 1,467 | 940.00 | 676.00 | 756.00 | 353.00 | 271.00 | 226.00 |
| Profit For EPS | 1,216 | 2,189 | 1,496 | 1,328 | 1,724 | 1,468 | 940.00 | 677.00 | 756.00 | 353.00 | 271.00 | 226.00 |
| EPS In Rs | 14.37 | 25.86 | 17.67 | 15.70 | 20.37 | 17.37 | 11.16 | 8.04 | 8.98 | 4.20 | 3.23 | 2.69 |
| Dividend Payout % | 24.00 | 13.00 | 17.00 | 19.00 | 10.00 | 16.00 | 19.00 | 25.00 | 17.00 | 54.00 | 42.00 | 67.00 |
| PAT Margin % | 11.68 | 12.42 | 11.19 | 10.96 | 13.62 | 13.54 | 11.35 | 9.88 | 11.13 | 7.49 | 6.82 | 5.38 |
| PBT Margin | 16.28 | 16.73 | 15.23 | 14.72 | 18.29 | 18.36 | 17.43 | 15.16 | 17.12 | 11.57 | 10.41 | 8.17 |
| Tax | 462.00 | 763.00 | 541.00 | 455.00 | 591.00 | 527.00 | 508.00 | 361.00 | 408.00 | 193.00 | 143.00 | 117.00 |
| Adj PAT | 1,173 | 2,197 | 1,501 | 1,330 | 1,726 | 1,481 | 949.41 | 676.20 | 758.34 | 355.45 | 271.46 | 226.32 |
| Adj PAT Margin | 11.68 | 12.42 | 11.20 | 10.97 | 13.63 | 13.55 | 11.36 | 9.88 | 11.13 | 7.50 | 6.83 | 5.39 |
🏦 Balance Sheet
| Metric | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 512.00 | - | 407.00 | 344.00 | 262.00 | 189.00 | 134.00 | 62.00 | 323.00 |
| Advance From Customers | - | - | - | 6.00 | 6.00 | 21.00 | 290.00 | 3.00 | - | - |
| Average Total Assets | 48,362 | 43,126 | - | 36,656 | 32,573 | 30,436 | 24,990 | 18,738 | 16,091 | 13,996 |
| Average Total Equity | 11,562 | 10,621 | - | 9,024 | 7,869 | 6,579 | 5,198 | 4,218 | 3,614 | 3,082 |
| Borrowing | 39,148 | 34,320 | - | 29,167 | 24,816 | 23,327 | 23,022 | 15,297 | 12,607 | 10,986 |
| Cwip | 7.00 | 33.00 | 24.00 | 17.00 | 13.00 | 8.00 | 3.00 | 1.00 | - | 1.00 |
| Cash Equivalents | - | 3,181 | 4,871 | 3,035 | 2,697 | 2,912 | 3,667 | 1,164 | 724.00 | 555.00 |
| Fixed Assets | 1,130 | 1,070 | 1,093 | 1,094 | 1,052 | 926.00 | 803.00 | 367.00 | 310.00 | 222.00 |
| Gross Block | - | 1,582 | - | 1,500 | 1,396 | 1,189 | 991.00 | 501.00 | 372.00 | 545.00 |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Investments | 814.00 | 726.00 | 543.00 | 534.00 | 421.00 | 338.00 | 90.00 | 174.00 | 5.00 | 5.00 |
| Lease Liabilities | 672.00 | - | 684.00 | - | - | - | 449.00 | - | - | - |
| Loans N Advances | - | 109.00 | - | 79.00 | 123.00 | 47.00 | 97.00 | 170.00 | 106.00 | 12,820 |
| Long Term Borrowings | 38,476 | - | 32,237 | - | - | - | 20,600 | 12,016 | 9,697 | 3,122 |
| Net Debt | 38,334 | 30,413 | 27,508 | 25,598 | 21,698 | 20,077 | 19,265 | 13,959 | 11,878 | 10,426 |
| Non Controlling Interest | - | 29.00 | 24.00 | 20.00 | 16.00 | 47.00 | 58.00 | 46.00 | 29.00 | 24.00 |
| Other Asset Items | - | 41,628 | 37,776 | 34,746 | 29,502 | 27,104 | 24,872 | 18,568 | 15,884 | 1,550 |
| Other Borrowings | - | 34,320 | - | 29,167 | 24,816 | 23,327 | - | - | - | 1,583 |
| Other Liability Items | - | 729.00 | 669.00 | 560.00 | 459.00 | 511.00 | 309.00 | 420.00 | 462.00 | 707.00 |
| Reserves | 12,359 | 11,379 | 10,403 | 9,476 | 8,199 | 7,138 | 5,577 | 4,378 | 3,645 | 3,193 |
| Share Capital | 169.00 | 169.00 | 169.00 | 169.00 | 169.00 | 169.00 | 169.00 | 169.00 | 169.00 | 168.00 |
| Short Term Borrowings | - | - | - | - | - | - | 1,974 | 3,281 | 2,910 | 6,281 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | 12,820 |
| Total Assets | 52,416 | 46,748 | 44,308 | 39,504 | 33,808 | 31,338 | 29,535 | 20,446 | 17,030 | 15,152 |
| Total Borrowings | 39,148 | 34,320 | 32,922 | 29,167 | 24,816 | 23,327 | 23,022 | 15,297 | 12,607 | 10,986 |
| Total Equity | 12,528 | 11,577 | 10,596 | 9,665 | 8,384 | 7,354 | 5,804 | 4,593 | 3,843 | 3,385 |
| Total Equity And Liabilities | 52,416 | 46,748 | 44,308 | 39,504 | 33,808 | 31,338 | 29,535 | 20,446 | 17,030 | 15,152 |
| Total Liabilities | 39,888 | 35,171 | 33,712 | 29,839 | 25,424 | 23,984 | 23,731 | 15,853 | 13,187 | 11,767 |
| Trade Payables | - | 122.00 | 121.00 | 106.00 | 142.00 | 124.00 | 109.00 | 133.00 | 118.00 | 73.00 |
| Trade Receivables | - | - | - | - | - | 3.00 | 2.00 | 3.00 | 1.00 | - |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | - | 4,025 | 3,849 | 438.00 | 59.00 | 6,049 | 2,388 | 293.00 |
| Cash From Investing Activity | - | -593.00 | -616.00 | -193.00 | -186.00 | 26.00 | -371.00 | -148.00 |
| Cash From Operating Activity | - | -3,383 | -3,103 | -423.00 | -619.00 | -3,620 | -1,661 | -33.00 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | -22.00 | - | - | - |
| Cash Paid For Loan Advances | -2,778 | -6,449 | -5,534 | -3,092 | -2,441 | -5,565 | -2,641 | -2,016 |
| Cash Paid For Purchase Of Fixed Assets | -196.00 | -136.00 | -173.00 | -163.00 | -53.00 | -100.00 | -128.00 | -161.00 |
| Cash Paid For Purchase Of Investments | -146.00 | -563.00 | -359.00 | -15.00 | -247.00 | - | -170.00 | - |
| Cash Paid For Redemption And Cancellation Of Shares | - | - | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | - | - | - | - | - | - | -846.00 | -205.00 |
| Cash Paid For Repayment Of Borrowings | - | -995.00 | -3,179 | -2,006 | -3,007 | - | -28,204 | -13,512 |
| Cash Receipts From Deposits | - | - | - | - | - | -2.00 | 2.00 | - |
| Cash Received From Borrowings | 1,616 | 5,373 | 7,177 | 2,829 | 3,323 | 6,387 | 31,012 | 36,090 |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | 644.00 | 200.00 |
| Cash Received From Issue Of Shares | - | 150.00 | 250.00 | - | 13.00 | 48.00 | 6.00 | 5.00 |
| Cash Received From Sale Of Fixed Assets | - | 1.00 | 1.00 | 1.00 | 1.00 | 4.00 | 2.00 | 2.00 |
| Cash Received From Sale Of Investments | - | - | - | - | - | 84.00 | - | - |
| Change In Other Working Capital Items | -454.00 | 31.00 | 247.00 | 49.00 | -244.00 | 247.00 | 26.00 | 70.00 |
| Change In Payables | 1.00 | 10.00 | -41.00 | 18.00 | 15.00 | 44.00 | 14.00 | 4.00 |
| Change In Receivables | - | -6.00 | 1.00 | -2.00 | - | - | -2.00 | -1.00 |
| Change In Working Capital | -3,231 | -6,414 | -5,326 | -3,027 | -2,670 | -5,275 | -2,600 | -1,943 |
| Direct Taxes Paid | -717.00 | -840.00 | -469.00 | -513.00 | -603.00 | -461.00 | -539.00 | -389.00 |
| Dividends Paid | -339.00 | -294.00 | -262.00 | -254.00 | -111.00 | -286.00 | -218.00 | -203.00 |
| Dividends Received | - | - | 8.00 | 11.00 | 13.00 | 9.00 | 5.00 | 2.00 |
| Interest Paid | - | -67.00 | - | - | - | - | - | -1,092 |
| Interest Received | 247.00 | 144.00 | 73.00 | - | 115.00 | 67.00 | 5.00 | 33.00 |
| Net Cash Flow | - | 49.00 | 130.00 | -177.00 | -747.00 | 2,455 | 356.00 | 112.00 |
| Other Cash Financing Items Paid | -145.00 | -143.00 | -137.00 | -131.00 | -159.00 | -100.00 | -6.00 | -20,992 |
| Other Cash Investing Items Paid | -1,493 | -38.00 | -167.00 | -27.00 | 7.00 | -39.00 | -85.00 | -23.00 |
| Profit From Operations | 3,482 | 3,871 | 2,692 | 3,117 | 2,654 | 2,117 | 1,477 | 2,299 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Manappuram | 2025-03-31 | - | 28.43 | 7.99 | 28.33 | 0.00 |
| Manappuram | 2024-12-31 | - | 27.01 | 7.88 | 29.84 | 0.00 |
| Manappuram | 2024-09-30 | - | 30.36 | 10.97 | 23.41 | 0.00 |
| Manappuram | 2024-06-30 | - | 33.00 | 9.34 | 22.42 | 0.00 |
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