AD Manum Finance

BSE: ADMANUM · Non Banking Financial Company (NBFC)

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Snapshot

Unlock AD Manum Finance's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

AD Manum Finance is an Indore-based NBFC specialising in asset-based financing for rural and semi-urban sectors. The company primarily provides loans for commercial vehicles, including heavy, medium, and light vehicles, alongside personal and business loans.

Business Model

The company generates revenue through interest income earned on vehicle, personal, and business loans provided to small road transport operators and individual entrepreneurs. It leverages a branch network in Central India to reach underserved clients lacking access to traditional banking.

Growth Outlook

Growth is driven by the expansion of credit access to small-scale entrepreneurs and transport operators in rural and semi-urban markets. The firm aims to maintain its niche market position by catering to segments underserved by formal banking institutions.

Key Risks

  • Credit Risk. The company faces potential defaults from small road transport operators and individual entrepreneurs who may have limited credit histories.
  • Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its target customer base.
  • Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact operational compliance and capital requirements.
  • Geographic Concentration. The company's heavy reliance on operations in Central India exposes it to regional economic downturns or localised market disruptions.

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Key Metrics

REVENUE

₹14 Cr

TTM · standalone

+2.9%YoY

NET PROFIT

₹10 Cr

TTM · standalone

+13.1%YoY

EPS

₹13.43

TTM · standalone

+13.1%YoY

RETURN ON EQUITY

12.2%

TTM · standalone

+0.0 ppYoY

P/E

4.5x

Q4 FY26 · standalone

4.5 vs 9.5x5Y avg

NET PROFIT MARGIN

83.4%

Q4 FY26 · standalone

+17.7 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
AD Manum FinanceADMANUM
₹41 Cr4.102.9%12.2%-22.8%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials