Manappuram Finance Ltd.
NSE: MANAPPURAM · Non Banking Financial Company (NBFC)
Snapshot
Unlock Manappuram Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Manappuram Finance Limited is a prominent Indian non-banking financial company primarily focused on gold-backed lending. It provides a diversified suite of retail credit products, including microfinance, vehicle finance, home loans, and various fee-based financial services.
Business Model
The company generates revenue primarily through interest income earned on gold loans and other retail credit portfolios. It also earns fee-based income from money transfer, foreign exchange, and insurance distribution services.
- Branch Network:3,526
Growth Outlook
Growth is driven by the expansion of its microfinance and vehicle finance portfolios alongside its core gold loan business. The company continues to leverage its extensive branch network across rural and semi-urban India to penetrate deeper into unbanked markets.
Key Risks
- Gold Price Volatility. A significant decline in gold prices could reduce the collateral value of loans and increase the risk of defaults.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact lending margins.
- Credit Risk. The company's exposure to microfinance and unsecured lending segments carries inherent risks of higher non-performing assets during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's cost of funds and net interest margins.
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Key Metrics
REVENUE
₹10,285 Cr
TTM · consolidated
NET PROFIT
₹1,445 Cr
TTM · consolidated
EPS
₹16.39
TTM · consolidated
RETURN ON EQUITY
10.1%
TTM · consolidated
P/E
18.8×
Q1 FY27 · consolidated
NET PROFIT MARGIN
19.3%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Manappuram Finance Ltd.MANAPPURAM | ₹30,096 Cr | 18.8× | — | 4.8% | — | 10.1% | — | +7.9% |
Authum Investment & Infrastructure Ltd.AIIL | ₹47,680 Cr | 7.9× | — | -34.5% | — | 14.2% | — | -82.5% |
Poonawalla Fincorp Ltd.POONAWALLA | ₹42,162 Cr | 45.6× | — | 72.6% | — | 8.5% | — | -13.7% |
IIFL Finance Ltd.IIFL | ₹26,936 Cr | 11.8× | — | 35.9% | — | 17.1% | — | +29.1% |
Capri Global Capital Ltd.CGCL | ₹25,843 Cr | 21.3× | — | 50.1% | — | 19.6% | — | +32.0% |
Five-Star Business Finance Ltd.FIVESTAR | ₹16,226 Cr | 13.5× | — | 9.8% | — | 16.1% | — | -5.6% |
As of Q1 FY27
Financials
Manappuram Finance Ltd.
NSE: MANAPPURAM · Non Banking Financial Company (NBFC)
Snapshot
Unlock Manappuram Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Manappuram Finance Limited is a prominent Indian non-banking financial company primarily focused on gold-backed lending. It provides a diversified suite of retail credit products, including microfinance, vehicle finance, home loans, and various fee-based financial services.
Business Model
The company generates revenue primarily through interest income earned on gold loans and other retail credit portfolios. It also earns fee-based income from money transfer, foreign exchange, and insurance distribution services.
- Branch Network:3,526
Growth Outlook
Growth is driven by the expansion of its microfinance and vehicle finance portfolios alongside its core gold loan business. The company continues to leverage its extensive branch network across rural and semi-urban India to penetrate deeper into unbanked markets.
Key Risks
- Gold Price Volatility. A significant decline in gold prices could reduce the collateral value of loans and increase the risk of defaults.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact lending margins.
- Credit Risk. The company's exposure to microfinance and unsecured lending segments carries inherent risks of higher non-performing assets during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's cost of funds and net interest margins.
Start your research today
Unlock AI insights, financials, peers and live data on Manappuram Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹10,285 Cr
TTM · consolidated
NET PROFIT
₹1,445 Cr
TTM · consolidated
EPS
₹16.39
TTM · consolidated
RETURN ON EQUITY
10.1%
TTM · consolidated
P/E
18.8x
Q1 FY27 · consolidated
NET PROFIT MARGIN
19.3%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27