Manappuram Finance Limited

BSE

MANAPPURAM

Stock

Yield per half year: +35.93%
Dividend yield: 2.33%
Sector: Financials

Reporting Manappuram Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ₹										110.07
Выручка, млрд ₹	23.6	33.88	34.21	41.8	54.65	62.59	59.44	65.8	59.59	60.04	60.41	1.75
Чистая прибыль, млрд ₹	3.53	7.56	6.77	9.4	14.68	17.24	13.28	14.96	21.89	21.89	16.41	8.32
EV, млрд ₹				220.08	333.02	339.51	354.67	352.83	457.74	442.48	367.55	6.57
Баланс стоимость, млрд ₹	27.58	33.63	38.16	45.47	57.46	73.07	83.68	96.45	115.48	115.48	85.23	14.98
FCF, млрд ₹			-12.34	-4.71	-37.26	-6.73	-5.86	-32.76	-35.19	-35.19	-23.5600	-1.14
Операционный денежный поток, млрд ₹	-10.42	-12.71	-0.3317	-16.61	-36.2	-6.19	-4.23	-31.03	-33.83	-33.83	-22.2960	-1.35
Операционная прибыль, млрд ₹	5.37	11.44	9.78	13.94	19.21	22.5	16.66	18.71	18.71	18.71	19.16	-0.53
CAPEX, млрд ₹	0.7986	0.5421	1.61	1.28	1	0.5323	1.63	1.73	1.36	1.36	1.25	6.34

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹										16.42	16.84	17.63	19.71	21.29	15.63	15.24	16.46	17.14	16.15	16.12	0.66
Чистая прибыль, млрд ₹										4.08	3.92	4.13	4.96	5.58	5.73	5.62	5.55	5.71	2.82	5.09	-13.22
EV, млрд ₹				325.88		356.47		317.47		289.14		343.69		392.5		454.48		505.75		397.11	11.83
Баланс стоимость, млрд ₹		57.46	64.51	73.07		79.68		83.68		89.58		96.45		105.72		115.48		125.29		106.50	6.94
Операционный денежный поток, млрд ₹	-21.9	-36.25	-12.36	-6.19		-1.24		-4.23		9.7		-31.03		-10.97						-7.5540	54.65
Операционная прибыль, млрд ₹					5.55	4.47	3.18	2.8	3.7	4.81	4.9	5.31	5.95	7.02						5.60	7.85
CAPEX, млрд ₹	0.5188	1	0.1937	0.5323		0.7263		1.63		0.5948		1.73		0.6794						1.07	-1.33

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ₹		3.73	4.84	8.4	32.93	12.1	12.73	13.86	28.3	31.81	19.98	-2.98
Long term investments ₹		0.0505	0.0505	2.48	3.69	7.01	5.72	8.86	11.68		7.39	25.92
Total Receivables ₹		139.08	155.17	181.81	242.72	264.87	288.5				226.61	13.21
Total Current Assets ₹		146.31	164.1	195.78	282.97	295.99	318.58				251.48	14.19
Чистые активы, млрд ₹	1.92	1.84	2.69	3.13	7.5	8.7	10.01	10.44			7.96	27.24
Активы, млрд ₹	128.39	149.83	170.23	204.46	289.51	313.38	338.11	395.04	467.48	467.48	360.70	10.06
Short Term Debt ₹	67.67				19.74	11.42	6.94				26.44	-43.41
Long Term Debt ₹	16	109.93	125.93	152.88	218.13	215.74	234.26	291.69			222.54	13.79
Задолженность, млрд ₹	100.81	116.2	132.07	158.99	232.05	240.3	254.42	298.59	351.71	351.71	275.41	8.67
Чистый долг, млрд ₹			117.65	139.97	183.5	198.04	215.36	254.48	308.26	304.73	231.93	10.93
Долг, млрд ₹	83.67			152.99	237.86	227.16	241.21			291.67	188.58	23.58
Interest income ₹		33.21	33.42	40.12	52.17	0.2235	0.5239	1.04	84.55		27.70	10.14
Расходы на обслуживание долга ₹				13.13	18.32	22.19	20.11	21.88	28.66	28.66	22.23	9.36
Чист. проц. доходы, млрд ₹		21.93	23.47	26.99	33.85	39.71	38.28	42.53	55.89	84.55	42.05	10.55
Goodwill ₹	0.3557	0.3557	0.3557	0.3557	0.3557	0.3557	0.3557	0.3557	0.3556		0.3557	-0.01
Себестоимость, млрд ₹	9.55	11.81	10.77	14.12	19.06	22.27	20.19	22.54			19.64	9.81

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹		36.46	47	29.12		45.78		25.85		56.34		30.35		48.71		28.3		49.4		42.62	-2.59
Long term investments ₹	7.11	3.69	3.7	7.01		5.86		5.72		9.03		8.86		10.51						8.00	12.39
Total Receivables ₹	210.34	236.97	0.0251	0.0257						290.76										147.62	6.69
Total Current Assets ₹	228.67	276.44								348.83										284.65	15.12
Чистые активы, млрд ₹	4.99	7.5	7.85	8.7		9.17		10.01		10.13		10.44		10.48						10.05	2.71
Активы, млрд ₹		289.51	322.61	313.38		342.78		338.11		370.03		395.04		443.08		467.48		524.16		439.96	7.21
Long Term Debt ₹	183.46	218.17	247.35	227.16		250.24		241.18		267.57		291.67		329.22						275.98	5.64
Задолженность, млрд ₹		232.05	258.1	240.3		263.1		254.42		280.45		298.59		337.36		351.71		398.55		333.33	7.28
Чистый долг, млрд ₹			200.35	198.04		204.46		215.36		211.23		254.48		273.66		308.26		335.37		276.60	9.69
Долг, млрд ₹				233.17		256.77														244.97	4.94
Interest income ₹						0.2559	0.074	0.6349	0.1044	0.5411	0.303	0.0886	0.5511	0.2742	22.01					4.65	135.63
Расходы на обслуживание долга ₹										5.28	5.66	5.89	6.48	6.89	7.49	7.79	8.48	9.06	9.25	8.41	4.31
Чист. проц. доходы, млрд ₹							9.15	8.98	9.57	10.79	10.92	11.25	12.88	13.54	14.52	22.73				14.98	15.10
Goodwill ₹	0.3556	0.3557	0.3557	0.3557		0.3557		0.3557		0.3556		0.3557		0.3556						0.3557	-0.01
Себестоимость, млрд ₹					5.02	4.97	5.39	4.99	5.1	5.37	5.72	5.94	6.58	7						6.12	5.44

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	3.03	8.15	8.17	10.07	15.74	19.52	18.14	17.67	25.86			25.86	19.39	10.44
Цена акции ао			123.3	92.85	177.4	165.75	164.6	116.2	171.95	188.25	279.6	279.6	184.12	11.18
Число акций ао, млн				842.81	844.99	846.36	846.39	846.39	846.43			846.43	846.11	0.03
FCF/акцию				-5.59	-44.09	-7.95	-6.92	-38.7	-41.57			-41.57	-27.8460	-1.17

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	3.08	3.33	4.82	4.63	4.88	5.88	6.6	6.79	6.63	6.74			6.53	2.77
Цена акции ао	138.69	102.57	99.07	110.25	114.29	119.74	139.59	152.29			232.15	279.6	184.67	18.48

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	12.81	22.47	17.73	20.68	25.54	23.6	15.87	16.61	20.65			18.95	13.90	20.45	-4.16
ROA, %	2.75	5.04	3.98	4.6	5.07	5.5	3.93	4.08	5.08			4.68	2.81	4.73	0.04
ROIC, %	4.88				5.77	6.11	4.87						5.22	5.41	-0.05
ROS, %			19.78	22.5	26.86	27.55	22.35	22.73	36.73	36.45	36.45	36.45	59.46	30.94	10.28
ROCE, %											0	0	2.58
Ebit margin, %											0	0
Рентаб EBITDA, %											0	0	10.96
Чистая рентаб, %	14.97	22.31	19.78	22.5	26.86	27.55	22.35	22.73	36.73			36.45	59.46	27.24	6.46
Operation Margin, %			28.6	33.35	35.16	35.94	28.03	28.44	28.43	31.16	31.16	31.16	14.46	29.44	2.14

	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	6.87	6.29	6.41	4.64		3.12		4.56		5.73		11.05		7.96		6.03			13.90	7.07	5.75
ROA, %	1.36	1.26	1.49	1.08		0.7723		1.1		2.09		2.52		1.23		1.15			2.81	1.62	0.89
ROS, %									23.29	23.45	25.16	26.22	36.66	36.85	33.69	33.29	17.47	36.45	59.46	31.55	-0.22
Чистая рентаб, %								24.87	23.29	23.45	25.16	26.22	36.66	36.85	33.69	33.29	17.47		59.46	31.59	-13.78
Operation Margin, %				29.67	21.56	19.78	24.78	29.28	29.12	30.11	30.18	32.97						31.16	14.46	30.71	1.36

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		8.52	10.19	8.2	10.49	6.57	6.83			6.29	29.44	8.46	-7.69
P/BV		1.76	2.6	1.94	1.66	1.02	1.29			1.19	3.11	1.70	-13.08
P/S		1.92	2.74	2.26	2.34	1.49	2.51			2.29	12.17	2.27	-1.74
P/FCF							-3.36	-3.13	-3.13	-3.13	5.03	-3.2067	-2.34
E/P							0.1359	0.1988	0.1988	0.1988	0.10	0.1778	13.52
EV/EBIT								0	0	0
EV/S			5.74	5.51	6.07	5.36	7.68	7.37	7.37	7.37	8.39	6.77	3.96
EV/FCF			-8.43	-51.3	-61.6	-10.77	-13.01	-12.57	-12.57	-12.57	-4.06	-22.1040	-27.23
Debt/EBITDA							0	0	0	0	1.02
Netdebt/Ebitda							0	0	0	0	0.86
Debt/Ratio	0.6517		0.8216	0.7249	0.7134		0.7383	0.6239	0.6239	0.6239	0.24	0.6849	-2.96
Debt/Equity	3.03		4.14	3.11	2.88		0	0	3.04	3.04	7.38	3.24	0.07
Debt/Net Income	23.68		16.21	13.17	18.16		19.5	13.33	13.33	13.33	12.45	15.50	0.24
PEG									1.66	1.66		1.66	0.00
Бета							1.71	3.19	4.31	4.31	1.15	3.07	36.09
Индекс Альтмана							0.5539	0.4765	0.4765	0.4765	1.07	0.5023	-4.89

	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	27.3	18.14	9.29	11.64	10.86	12.23	9.54	10.08			29.44	10.87	-2.84
P/BV	1.75	1.91	1.22	0.8698	0.9249	1.12	1.26	1.36			3.11	1.11	9.35
P/S	8.04	4.91	2.26	2.55	2.62	3.05	2.7	3.17			12.17	2.82	4.45
P/FCF										-3.13	5.03	-3.1300	0.00
E/P										0.1988	0.10	0.1988	0.00
EV/S						18.43	29.83	29.5		7.37	8.39	21.28	-20.48
EV/FCF										-12.57	-4.06	-12.5700	0.00
Debt/Ratio										0.6239	0.24	0.6239	0.00
Debt/Equity										3.04	7.38	3.04	0.00
Debt/Net Income										13.33	12.45	13.33	0.00
PEG										1.66		1.66	0.00
Бета									-5.03	4.31	1.15	-0.3600	-192.57
Индекс Альтмана									0.4765	0.4765	1.07	0.4765	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.9	1.26	1.68	1.81	2.37	1.11	2.54	2.94	2.94			3.94		2.38	4.40
Дивиденд			2	2.1	2.2	1.7	2.9	3	3.3	4	0.5	3.5		2.74	-29.64
Див доход, ао, %			2.07	2.07	1.7	1.12	1.69	2.65	1.73	2.44	1.73	2.33	1.58	2.05	0.47
Дивиденды / прибыль, %	53.72	16.7	24.89	19.26	16.16	6.43	19.11	17.51	13.45			13.45	17.85	14.53	-3.60
Dividend Coverage Ratio											5.56	5.56		5.56	0.00

	2019Q3	2020Q1	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.12	2.86	1.11	1.27		2.54		1.32		2.62		1.39				1.83	1.82
Дивиденд				0.75	0.75	0.75	0.75	0.75	0.75	0.75	0.75	0.8	0.85			0.7800	2.53
Див доход, ао, %				0.422	0.4071	0.5408	0.7312	0.757	0.6803	0.6562	0.6264	0.5731	0.5581		1.58	0.6188	-3.88
Дивиденды / прибыль, %	26.12	72.4	23.66	34.33		97.25		32.32		63.37		24.94			17.85	50.44	-6.19
Dividend Coverage Ratio														5.56		5.56	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2019	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Выручка, %	1.84	0.8504	2.74	2.62	2.29		4.47
Персонал, чел					48 369	48 369	0.00

	CAGR 5

	CAGR 5