Manappuram Finance Ltd
Ticker: MANAPPURAM
Decent
68/100
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Investing Reference
Price
289.10
Market Cap
24470.43
Debt/Equity
2.8980
ROE %
10.124
PB
1.9657
Promoter %
35.254
Pledge %
0.000
1Y Rev Growth %
12.565
5Y Rev Growth %
12.584
NP Margin %
12.112
NP Margin 5Y Avg %
21.509
Trading Reference
1M Return %
-2.859
6M Return %
27.903
1Y Return %
57.806
% Away 52W High
3.079
% Away 52W Low
108.963
Daily Volume
1895445
Investment Verdict
Hold
Score 73/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 56/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Manappuram Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it breaks above the resistance at 180. Volume has been increasing, suggesting strong buying interest. Therefore, there is a favorable probability of the stock moving higher in the medium-term, with a target of around 200, while a drop below 160 could indicate a bearish reversal.
Upside Probability: 11.11% | Downside Probability: 11.11%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Manappuram Finance Ltd is a leading non-banking financial company (NBFC) in India, specializing in gold loans and financial services. Catering primarily to the underserved segments of society, it empowers individuals and small businesses with quick and accessible financing solutions. With a strong focus on customer service and innovative products, Manappuram plays a crucial role in enhancing financial inclusion. Its robust risk management practices and extensive branch network further solidify its position in the market.
- Established leader in gold loans
- Focus on financial inclusion
- Wide network of branches
- Strong customer service
- Innovative financial products
Investment Thesis
Manappuram Finance Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The company's strategic focus on innovation positions it well for future growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances credibility.
- Significant growth potential in digital services catering to tech-savvy consumers.
- Attractive valuation metrics compared to industry peers suggest potential for upside.
- Established brand presence and customer trust in the financial sector.
- Diversified product offerings mitigate risks and enhance revenue streams.
Opportunity vs Risk
Opportunities
- Growing demand for gold loans
- Expansion into new markets
- Strong brand recognition
- Digital transformation initiatives
- Diversification of financial products
Risks ⚠️
- Regulatory changes impacting lending
- High competition in finance sector
- Economic downturn affecting borrowers
- Asset quality deterioration concerns
- Interest rate fluctuations
Peer Perspective
Manappuram Finance Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, primarily due to margin pressures. A stabilization in margins could trigger a rerating, aligning its valuation closer to industry averages.
Future Outlook
Manappuram Finance Ltd is well-positioned for growth, driven by strong demand in the gold loan sector. Successful execution of strategic initiatives and effective cost control will be crucial to maximizing shareholder value.
AI FAQs for Retail Users
- Q: What does Manappuram Finance Ltd do?A: Manappuram Finance Ltd provides financial services, primarily focusing on gold loans and other lending products.
- Q: Is Manappuram Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research and consult a financial advisor.
- Q: What are the risks associated with investing in Manappuram Finance Ltd?A: Risks include market volatility, regulatory changes, and sector-specific challenges affecting financial services.
- Q: How has Manappuram Finance Ltd performed historically?A: Historical performance includes fluctuations in stock price and financial metrics. Review past reports for insights.
- Q: Can I invest in Manappuram Finance Ltd through mutual funds?A: Yes, some mutual funds may include Manappuram Finance Ltd as part of their portfolio.
📊 Stock Investment Checklist (100 Points)
Manappuram Finance Ltd • Updated: 2025-09-17 03:29:45
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10BusinessHighThe sector is growing but faces regulatory challenges.
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10GrowthHighConsistent revenue growth but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above industry average.
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7BalanceHighModerate debt levels, but liquidity is adequate.
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6GovernanceGoodPromoter holding is stable, but some pledging exists.
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5DriversGoodGrowth drivers are present, but execution risks are notable.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Manappuram Finance Ltd shows potential for growth but is facing several challenges that could impact its performance.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 75/100
- Governance: 60/100
- Market Confidence: 68/100