Manappuram Finance Limited
MANAPPURAM · NBFC · NSE
₹318
Current Market Price
Fair Value (P/B + Residual Income)
₹392
Discount to FV
+23.2%
Updated 1h ago
YieldIQ Score
45/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
90%
ROE
6.3%
Debt/Equity
3.60
Cost of Equity
11.0%
Market Cap
₹29,913 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.8%
Return on capital employed
Revenue CAGR (3Y)
8.3%
3-year revenue growth
Revenue CAGR (5Y)
-2.2%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹318.45
Bear case
Margin of Safety -19.0%
Implied upside -16.0%
Base case
Margin of Safety +15.8%
Implied upside +18.8%
Bull case
Margin of Safety +27.3%
Implied upside +37.5%
Ratio Trends
MANAPPURAM · last 8 annual periods
ROE
6.3%
ROCE
12.7%
Operating Margin
—
Debt / Equity
3.60×
PE
23.5×
EV / EBITDA
—
Historical Financials
MANAPPURAM · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹4038 Cr | ₹4458 Cr | ₹5938 Cr | ₹6409 Cr | ₹5660 Cr | +8.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹3795 Cr | ₹4229 Cr | ₹5825 Cr | — | — | +11.3% |
| PAT | ₹1328 Cr | ₹1496 Cr | ₹2189 Cr | ₹1216 Cr | ₹1003 Cr | -6.8% |
| EPS (diluted) | ₹15.70 | ₹17.72 | ₹25.96 | — | — | +13.4% |
| CFO | ₹-423 Cr | ₹-3103 Cr | ₹-3450 Cr | ₹-467 Cr | ₹-20.2K Cr | — |
| CapEx | ₹-163 Cr | ₹-173 Cr | ₹-136 Cr | ₹-196 Cr | ₹-200 Cr | — |
| FCF | ₹-586 Cr | ₹-3276 Cr | ₹-3586 Cr | ₹-662 Cr | ₹-20.4K Cr | — |
| Total Assets | ₹33.8K Cr | ₹39.5K Cr | ₹46.7K Cr | ₹49.2K Cr | ₹74.6K Cr | +21.9% |
| Total Debt | ₹24.8K Cr | ₹29.2K Cr | ₹34.3K Cr | ₹36.1K Cr | ₹57.8K Cr | +23.6% |
| Shareholders' Equity | ₹8368 Cr | ₹9645 Cr | ₹11.5K Cr | ₹12.4K Cr | ₹16.1K Cr | +17.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
MANAPPURAM vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 CHOLAHLDNG Cholamandalam Financial Holdings Limited | +23.2%+30.2% upside | 50 | Below Fair Value | 15.8% | 10.5× |
 CREDITACC CREDITACCESS GRAMEEN LIMITED | -48.8%-32.8% upside | 50 | Above Fair Value | 9.9% | 23.9× |
 POONAWALLA Poonawalla Fincorp Limited | -11.7%-10.5% upside | 28 | Near Fair Value | 5.2% | — |
 IREDA Indian Renewable Energy Development Agency Limited | +0.5%+0.5% upside | 54 | Near Fair Value | 13.6% | — |
 PIRAMALFIN Piramal Finance Limited | +35.2%+54.4% upside | 40 | Below Fair Value | 5.3% | — |
Click a ticker to view its fair-value analysis.
Dividend History
38 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹14.55/sh
Last payout
2026-02-06
₹0.50
Peak payout
₹1.00
Trailing yield
0.47%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Manappuram Finance Limited (MANAPPURAM.NS) trades at 318.45 vs a model fair value of 392.24, a gap of 23.2%. Piotroski F-score: 4/9. Moat...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of MANAPPURAM →
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ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for MANAPPURAM →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse MANAPPURAMNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.