💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Manappuram Finance Limited is an India-based non-banking financial company (NBFC). The Company is a retail financial services provider and engages in activities, such as providing loans against gold jeweler, loans against property, loans for purchase of commercial vehicles,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection — carrying meaningful debt.
Manappuram Finance is scored on the nbfc / financials framework. It keeps a healthy 10.4% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at -13%/yr. Book value itself has compounded 18%/yr — the hallmark of a genuine compounder. Return on equity is a weak 6.3%. In the latest quarter profit grew 44% versus the prior quarter.
At 28× earnings, the stock sits at the 94th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~10%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 21.15 | 10.88 | worse |
| P/B | 1.97 | 1.4 | worse |
| EV/EBITDA | 12.73 | 14.13 | better |
| ROE | 6.25 | — | — |
| ROCE | 6.84 | — | — |
| ROA | 1.94 | — | — |
| Quick Ratio | 1.75 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 12% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (12% vs -13%) — costs are rising faster than the top line.
Operating margin has compressed from 30% to 13% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 6% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 9pp.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -13% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 16% sequentially — momentum is building. Run-rate stepping up — recent quarters average 22% above earlier ones.
Profit jumped 44% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (10% → 19%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 41.7% — dispersed ownership; institutional flows drive the stock. Promoters added 9.9pp over 4 quarters — creeping acquisition signals conviction. FIIs trimmed 2.2pp — foreign money is rotating out. MF holding up 4.8pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.