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Manappuram Finance
Large Cap•51,004 Employees•IPO 1995
Current Price
₹256.10
0.55 (0.22%)Updated
Valuation vs Sector
P/E Ratio
54.79vs 18.25
P/B Ratio
1.76vs 2.06
Div Yield
0.98%vs 0.60%
Today's Range
251.6
₹256.10
258.05
52 Week Range
52W Low₹204.10
52W High₹321.60
₹256.10
Downside25.48%
Upside25.58%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹25,938.99 Cr
Market Cap
Total market value of companyP/E Ratio
63.55
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.87
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹4.70
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
0.23%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.00%
ROCE
Return on Capital Employed. >15% is goodNet Margin
4.41%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-3.70%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
12.94%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-9.08%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-75.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
2.90
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹146.88
Book Value
Net asset value per shareDividend Yield
0.98%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
35.20%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Manappuram Finance exhibits a robust operating profit margin (OPM) of 49.40%, showcasing efficient cost management and strong profitability in its core operations. This indicates a healthy ability to translate sales into profits.
- •The company maintains a significant promoter holding of 35.25% (as of 2025-09-01), reflecting strong confidence from the leadership in its long-term vision and future prospects.
Weaknesses
4 points- •The company's high debt-to-equity ratio of 2.90 indicates significant reliance on debt financing, which could pose challenges during economic downturns or rising interest rates.
- •A substantial decline of -75.00% in quarterly profit variation raises serious concerns about the company's short-term financial performance, requiring careful analysis.
Opportunities
4 points- •Expansion into new geographical markets or diversification into other financial products beyond gold loans could unlock significant growth avenues for the company.
- •Leveraging digital platforms for loan origination, processing, and customer service can enhance operational efficiency and expand reach, especially in rural areas.
Threats
4 points- •Intensifying competition from other NBFCs and banks in the lending space could put pressure on Manappuram Finance's market share and profit margins.
- •Adverse changes in regulatory policies, especially concerning gold loan valuations or interest rate caps, could significantly impact the company's business model and profitability.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
B.N. Raveendra Babu | 14 May 2025 | 19 May 2025 | 7.17 L | 1.00 L | ₹233 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹271.80 | +₹15.70 | +6.13% |
| R3 | ₹265.35 | +₹9.25 | +3.61% |
| R2 | ₹261.70 | +₹5.60 | +2.19% |
| R1 | ₹258.90 | +₹2.80 | +1.09% |
| PIVOT | ₹255.25 | -0.85 | -0.33% |
| CURRENT | ₹256.10 | - | - |
| S1 | ₹239.55 | -₹16.55 | -6.46% |
| S2 | ₹246.00 | -₹10.10 | -3.94% |
| S3 | ₹248.80 | -₹7.30 | -2.85% |
| S4 | ₹252.45 | -₹3.65 | -1.43% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-35.6% vs avg
3.40M
(13 Mar 2026)Delivery %-9.2% vs avg
31.2%
(13 Mar 2026)Avg Volume (20D)20-day average
5.28M
(13 Feb - 13 Mar)Avg Delivery %Trend ↑
40.4%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 Cholamandalam Financial Holdings Ltd |
 CreditAccess Grameen Ltd |
 Five-Star Business Finance Ltd |
 HDB Financial Services Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Poonawalla Fincorp Ltd |
 SBFC Finance Ltd |
 Sundaram Finance Ltd |
About
Manappuram Finance Ltd
Manappuram Finance Limited is a prominent non-banking financial company (NBFC) based in Thrissur, India, specializing in gold loans. Established in 1949 (formerly known as Manappuram General Finance and Leasing Limited), the company's core business revolves around providing retail credit and financial services across a wide spectrum of the Indian population.
Their flagship product is gold loans, secured by used household gold jewelry. This service caters to a significant portion of their clientele and is a key driver of their revenue. They also offer online gold loan applications for added convenience, further expanding their reach and accessibility. Beyond gold loans, the company diversifies its portfolio by providing microfinance loans targeted at low-income individuals in rural and semi-urban areas.
Manappuram Finance expands its service offerings beyond its core gold loan business by providing a range of financial solutions. These include loans for residential construction, home improvements, and expansions. They also act as a distributor for both life and non-life insurance products, broadening their customer base and income streams. Furthermore, the company offers IT solutions, suggesting a dedication to technological advancement within their operations.
The company’s services extend to encompass various sectors. They provide vehicle and equipment finance, including options for commercial vehicles, construction equipment, two-wheelers, cars, and farm equipment. This diversification demonstrates a strategic effort to reach a broader customer base across different financial needs. In addition to lending, Manappuram also offers supplementary fee-based services such as money transfer, foreign exchange transactions, and depository services.
Manappuram Finance serves a varied clientele, including retail customers, microfinance borrowers, small and medium enterprises (SMEs), and commercial clients. Their extensive branch network covers 28 states and 4 Union Territories across India, highlighting their wide geographical reach and commitment to nationwide service. The company's long history and comprehensive financial solutions position it as a major player in India's NBFC sector.
COMPANY FACTS - MANAPPURAM
Registered Address
IV / 470 (old) W638A (New), Manappuram House,, Valapad
Trichur
KERALA
IN
Tel: 914873050000
Website:https://www.manappuram.com/
Investor Relations:https://www.manappuram.com/investor.html
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 51,004
IPO Date: 21/08/1995
MANAGEMENT - MANAPPURAM
Dr. Shailesh Mehta
Independent Non-Executive Chairman of the Board
Mr. Deepak Reddy
Chief Executive Officer
Ms. Bindhu L.
Chief Financial Officer
Mr. Manoj V. R.
Compliance Officer, Company Secretary
Mr. Vazhappully Nandakumar
Managing Director, Executive Director
Dr. Sumitha Nandan
Executive Director
Mr. E. K. Bharat Bhushan
Independent Non-Executive Director
Mr. Harshan Kollara
Independent Non-Executive Director
Mr. T C. Suseel Kumar
Independent Non-Executive Director
Dr. Sankaran Rajagopal
Independent Non-Executive Director
Ms. Pratima Ram
Independent Non-Executive Director
Adv. Veliath Seemandini
Independent Non-Executive Director
Investor Questions Answered
Manappuram Finance Ltd (MANAPPURAM) Stock FAQs
Get answers to the most common questions about Manappuram Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Manappuram Finance Ltd (MANAPPURAM) is ₹256.1. Today, the stock has gained by ₹0.55 (0.22%), trading in a range of ₹251.6 to ₹258.05. The stock opened at ₹254 with a trading volume of 34,01,711 shares.
Manappuram Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹25,938.99 crores, P/E ratio of 63.55, ROE of 0.23%, and ROCE of 11.00%. The dividend yield stands at 0.98%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Manappuram Finance Ltd (MANAPPURAM) is ₹321.6, while the 52-week low is ₹204.1. Currently trading at ₹256.1, the stock is 44.3% away from its 52-week low and 20.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Manappuram Finance Ltd stock at ₹256.1 depends on multiple factors. The stock is currently trading with a P/E ratio of 63.55 and P/B ratio of N/A. Today's performance shows a gain of 0.22%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Manappuram Finance Ltd offers a dividend yield of 0.98%, which means for every ₹100 invested at the current price of ₹256.1, you can expect to receive approximately ₹0.98 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Manappuram Finance Ltd's key financial metrics include: P/E Ratio: 63.55, P/B Ratio: N/A, ROE: 0.23%, ROCE: 11.00%, Dividend Yield: 0.98%, EPS: ₹4.70, Book Value: ₹146.88, Debt-to-Equity: 2.90, and Current Ratio: N/A. The company's market cap stands at ₹25,938.99 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Manappuram Finance Ltd stock opened at ₹254 and is currently trading at ₹256.1, showing a gain of ₹0.55 (0.22%). The intraday high is ₹258.05 and low is ₹251.6. The trading volume stands at 34,01,711 shares, indicating strong market participation today.
Manappuram Finance Ltd has a Price-to-Earnings (P/E) ratio of 63.55, which means investors are willing to pay ₹63.55 for every ₹1 of earnings. With an EPS of ₹4.70, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Manappuram Finance Ltd has a market capitalization of ₹25,938.99 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹256.1) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Manappuram Finance Ltd has a book value of ₹146.88 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹256.1, which is 74.4% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Manappuram Finance Ltd has a Return on Equity (ROE) of 0.23% and Return on Capital Employed (ROCE) of 11.00%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Manappuram Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Manappuram Finance Ltd has a debt-to-equity ratio of 2.90, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Manappuram Finance Ltd has an Earnings Per Share (EPS) of ₹4.70, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹256.1 and P/E ratio of 63.55, investors are paying 63.55 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Manappuram Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Manappuram Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Manappuram Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (63.55), ROE (0.23%), debt-to-equity (2.90), and growth rates. 2) Technical Analysis - Check 52-week range (₹204.10 - ₹321.60), moving averages, and chart patterns. 3) Valuation - Compare current price (₹256.10) with book value (₹146.88) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Manappuram Finance Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹256.1 is 12705x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Manappuram Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹204.10 - ₹321.60). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.90 indicates leverage. 4) Liquidity Risk - Based on trading volume of 34,01,711 shares. 5) Valuation Risk - P/E of 63.55 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Manappuram Finance Ltd operates in the industry with key metrics: P/E ratio of 63.55, ROE of 0.23%, market cap of ₹25,938.99 crores, and dividend yield of 0.98%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.90), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Manappuram Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹256.1, with a 52-week range of ₹204.10 to ₹321.60. Based on fundamentals like P/E (63.55), ROE (0.23%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Manappuram Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹256.10. 2) Fundamental Deterioration - Declining ROE (currently 0.23%), increasing debt (D/E: 2.90), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Manappuram Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.98%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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