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Manappuram Finance Limited (MANAPPURAM.NS)
Thrissur, IN
Operating as a non-banking financial company (NBFC) with a primary focus on gold loans, Manappuram Finance Limited delivers a range of retail credit products and financial solutions throughout India. The company's core business involves providing secured loans, particularly against used household gold jewelry, alongside digital gold loan options. Additionally, it extends microfinance and related financial assistance to lower-income communities in both rural and semi-urban regions, offers housing finance solutions for construction, expansion, acquisition, and renovation, and provides a range of life and general insurance products, in addition to IT services. Furthermore, a suite of fee-based offerings encompasses money transfer, foreign exchange, and depository facilities. The company also ventures into vehicle and equipment financing, covering automobiles, two-wheelers, construction machinery, and agricultural equipment. Its diverse client base includes retail customers, microfinance recipients, small and medium-sized enterprises (SMEs), and commercial entities. By March 31, 2022, the company had established a significant operational footprint with 3,526 branches spread across 22 states and 6 Union Territories. Its origins trace back to 1949, and its corporate headquarters are located in Thrissur, India. Initially established as Manappuram General Finance and Leasing Limited, the company adopted its current name, Manappuram Finance Limited, in 2011.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.01% | -6.03% | +9.57% | -5.01% | +6.99% | -4.97% | +27.07% | +166.67% | +91.88% | +599.76% | +701.53% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 9 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-3.7% Q1'26: +17.3% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-18.5% Q1'26: +319.4% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+12.5% Q1'26: -97.9% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+13.3% Q1'26: +21.5% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+1.5% Q1'26: +2.4% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.2% Q1'26: -3.6% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×36.68× Q1'26: 22.63× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2010 actual |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 8 Rev. Ana. 11 EPS Ana. |
Mar 2027 7 Rev. Ana. 10 EPS Ana. |
Mar 2028 8 Rev. Ana. 10 EPS Ana. |
Mar 2029 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3.41B
est: 3.50B (-2.5%)
|
15.67B
est: 15.61B (+0.4%)
|
22.56B
est: 12.65B (+78.3%)
|
20.99B
est: 11.58B (+81.3%)
|
19.85B
est: 11.33B (+75.2%)
|
23.61B
est: 11.80B (+100.0%)
|
33.94B
est: 21.89B (+55.0%)
|
34.60B
est: 24.75B (+39.8%)
|
42.06B
est: 26.71B (+57.5%)
|
55.19B
est: 35.69B (+54.6%)
|
63.37B
est: 41.18B (+53.9%)
|
60.49B
est: 40.87B (+48.0%)
|
66.46B
est: 44.88B (+48.1%)
|
88.04B
est: 60.40B (+45.8%)
|
98.93B
est: 66.14B (+49.6%)
|
58.92B
55.89B – 63.41B
-10.9% YoY
|
72.11B
69.82B – 77.55B
+22.4% YoY
|
84.35B
79.76B – 94.30B
+17.0% YoY
|
101.40B
96.94B – 111.37B
+20.2% YoY
|
| EBITDA |
1.88B
est: 1.13B (+65.6%)
|
9.25B
est: 8.65B (+6.9%)
|
3.68B
est: 7.68B (-52.1%)
|
4.07B
est: 3.67B (+11.0%)
|
4.68B
est: 3.66B (+27.6%)
|
6.04B
est: 4.13B (+46.3%)
|
12.29B
est: 9.42B (+30.5%)
|
11.05B
est: 14.48B (-23.7%)
|
15.32B
est: 13.03B (+17.6%)
|
21.71B
est: 18.32B (+18.5%)
|
24.87B
est: 24.54B (+1.3%)
|
19.82B
est: 27.75B (-28.6%)
|
22.45B
est: 31.68B (-29.1%)
|
32.06B
est: 35.36B (-9.3%)
|
19.33B
est: 40.25B (-52.0%)
|
16.39B
15.54B – 17.63B
-59.3% YoY
|
20.05B
19.42B – 21.56B
+22.4% YoY
|
23.46B
22.18B – 26.22B
+17.0% YoY
|
28.20B
26.96B – 30.97B
+20.2% YoY
|
| EBIT |
1.82B
est: 1.03B (+76.4%)
|
8.77B
est: 7.74B (+13.3%)
|
3.07B
est: 6.78B (-54.8%)
|
3.43B
est: 2.38B (+44.3%)
|
4.14B
est: 3.33B (+24.1%)
|
5.48B
est: 2.68B (+104.8%)
|
11.66B
est: 8.40B (+38.8%)
|
10.37B
est: 13.52B (-23.3%)
|
14.57B
est: 11.53B (+26.4%)
|
20.07B
est: 16.76B (+19.8%)
|
23.16B
est: 21.84B (+6.0%)
|
17.84B
est: 24.70B (-27.8%)
|
20.41B
est: 28.20B (-27.6%)
|
29.60B
est: 31.47B (-6.0%)
|
16.66B
est: 16.24B (+2.6%)
|
14.61B
13.86B – 15.72B
-10.0% YoY
|
17.88B
17.31B – 19.23B
+22.4% YoY
|
20.92B
19.78B – 23.38B
+17.0% YoY
|
25.14B
24.04B – 27.61B
+20.2% YoY
|
| Net Income |
1.20B
est: 853.35M (+40.3%)
|
5.91B
est: 5.34B (+10.8%)
|
2.08B
est: 4.79B (-56.5%)
|
2.26B
est: 1.91B (+18.5%)
|
2.71B
est: 2.84B (-4.6%)
|
3.53B
est: 2.15B (+64.4%)
|
7.56B
est: 5.52B (+36.8%)
|
6.77B
est: 8.93B (-24.1%)
|
9.40B
est: 7.97B (+18.0%)
|
14.68B
est: 11.31B (+29.8%)
|
17.24B
est: 16.68B (+3.4%)
|
13.28B
est: 18.87B (-29.6%)
|
14.96B
est: 21.54B (-30.5%)
|
21.89B
est: 24.04B (-9.0%)
|
12.16B
est: 27.36B (-55.6%)
|
10.82B
9.97B – 11.47B
-60.5% YoY
|
20.24B
20.08B – 21.22B
+87.1% YoY
|
24.45B
22.23B – 26.72B
+20.8% YoY
|
29.51B
27.82B – 33.28B
+20.7% YoY
|
| SGA |
1.00B
est: 54.48M (+1,736.8%)
|
3.32B
est: 6.71B (-50.5%)
|
575.52M
est: 5.13B (-88.8%)
|
716.62M
est: 6.39B (-88.8%)
|
723.73M
est: 176.28M (+310.6%)
|
857.41M
est: 7.20B (-88.1%)
|
754.83M
est: 12.22B (-93.8%)
|
7.81B
est: 10.81B (-27.8%)
|
650.36M
est: 13.08B (-95.0%)
|
8.98B
est: 8.66B (+3.7%)
|
674.10M
est: 14.05B (-95.2%)
|
12.50B
est: 15.89B (-21.3%)
|
15.68B
est: 18.14B (-13.6%)
|
17.13B
est: 20.25B (-15.4%)
|
19.85B
est: 10.97B (+80.9%)
|
9.87B
9.36B – 10.62B
-10.0% YoY
|
12.08B
11.70B – 12.99B
+22.4% YoY
|
14.13B
13.36B – 15.80B
+17.0% YoY
|
16.99B
16.24B – 18.66B
+20.2% YoY
|
| EPS |
2.16
est: 1.00 (+116.5%)
|
7.06
est: 6.68 (+5.6%)
|
2.48
est: 4.55 (-45.5%)
|
2.69
est: 3.23 (-16.6%)
|
3.23
est: 3.33 (-2.9%)
|
4.20
est: 3.41 (+23.3%)
|
8.98
est: 8.19 (+9.7%)
|
7.97
est: 8.14 (-2.0%)
|
10.95
est: 10.22 (+7.1%)
|
17.39
est: 16.96 (+2.5%)
|
20.39
est: 20.41 (-0.1%)
|
15.70
est: 15.90 (-1.3%)
|
17.67
est: 17.30 (+2.2%)
|
25.86
est: 25.86 (+0.0%)
|
14.37
est: 20.39 (-29.5%)
|
12.63
11.64 – 13.39
-38.1% YoY
|
23.62
23.43 – 24.77
+87.1% YoY
|
28.53
25.94 – 31.19
+20.8% YoY
|
34.44
32.48 – 38.85
+20.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | C+ | 2/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-08 | C+ | 2/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-07 | C+ | 2/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-06 | C+ | 2/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-05 | C+ | 2/5 | 3/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-04 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.05% | 6.76M | 0.06% |
| 2 | State Street SPDR S&P Emerging Asia Pacific ETF GMF | 0.04% | 167.7K | 0.49% |
| 3 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.02% | 224.4K | 0.48% |
| 4 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.02% | 506.3K | 0.26% |
| 5 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.02% | 2.73M | 0.07% |
| 6 | Vanguard FTSE Emerging Markets ETF VWO | 0.02% | 24.98M | 0.06% |
| 7 | Vanguard ESG International Stock ETF VSGX | 0.01% | 380.9K | 0.10% |
| 8 | Vanguard Total International Stock ETF VXUS | 0.00% | 27.09M | 0.05% |
| 9 | Vanguard ESG Global All Cap UCITS ETF (USD) Distributing V3AL.L | 0.00% | 45.6K | 0.24% |
| 10 | Vanguard ESG Global All Cap UCITS ETF (USD) Accumulating V3AA.L | 0.00% | 45.6K | 0.24% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Vazhappully Padmanabhan Nandakumar | Chairman of the Board & MD | 238M | male |
| Sumitha Nandan | Whole-time Director | 25M | — |
| A. L. Bindu | Chief Financial Officer | 18M | female |
| Vilakkithala Raman Manoj Kumar | Company Secretary | 5M | male |
| Narayanan Easwaran | Group Chief Technology Officer | — | male |
| R. Renjith | Chief Human Resource Officer | — | male |
| Sanjay Gangadharan Nambiar | Group General Counsel | — | male |
| Satheesh Kumar | Business Head of Digital Personal Loan | — | male |
| Sreekanth | President & Group Head of Operations, Services and Digital | — | male |
| Deepak Kumar Gupta Reddy | Chief Executive Officer | — | male |
| Buvanesh Tharashankar | Group Chief Financial Officer | — | male |
| Ashish Chandak | Group Chief Compliance Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for MANAPPURAM.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
