Manba Finance Ltd
Ticker: MANBA
Risky
48/100
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Investing Reference
Price
141.58
Market Cap
711.29
Debt/Equity
2.9381
ROE %
13.278
PB
1.9281
Promoter %
74.980
Pledge %
0.000
1Y Rev Growth %
30.695
5Y Rev Growth %
16.145
NP Margin %
15.097
NP Margin 5Y Avg %
12.021
Trading Reference
1M Return %
1.172
6M Return %
9.803
1Y Return %
1.629
% Away 52W High
41.122
% Away 52W Low
18.975
Daily Volume
107651
Investment Verdict
Buy
Score 79/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 27/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Manba Finance Ltd shows potential for growth in the competitive finance sector, but faces challenges in profitability and market volatility.
✅ Positives
- Strong loan growth in recent quarters
- Diverse financial product offerings
- Improving asset quality metrics
⚠️ Negatives
- High competition in the finance sector
- Recent decline in profit margins
- Regulatory risks affecting operations
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 30/10/2025
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Business Overview
Manba Finance Ltd is a leading financial services provider in India, dedicated to offering innovative solutions tailored for individuals and small businesses. With a focus on accessibility and customer-centric services, we aim to empower our clients to achieve their financial goals. Our commitment to transparency and integrity sets us apart in the industry, making us a trusted partner for your financial needs.
- Tailored financial solutions for individuals and small businesses
- Focus on accessibility and customer-centric services
- Commitment to transparency and integrity
- Empowers clients to achieve their financial goals
- Strong reputation in the Indian financial market
Investment Thesis
Manba Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. The company is well-positioned to capture market share in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Attractive valuation metrics make it a compelling buy against industry peers.
- Strategic initiatives aimed at expanding customer base and service offerings.
- Positive outlook driven by increasing demand for innovative financial solutions.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Increasing digital payments adoption
- Expansion into rural markets
- Partnerships with major banks
Risks ⚠️
- Regulatory changes in finance
- High competition in fintech
- Economic downturn impact
- Cybersecurity threats to operations
Peer Perspective
Manba Finance Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, but for a rerating, it needs to demonstrate consistent margin stability and accelerated growth in its loan book.
Future Outlook
Manba Finance Ltd is poised for growth, driven by strategic initiatives in expanding its retail offerings. Successful execution and effective cost control will be crucial in navigating market challenges and achieving sustainable profitability.
AI FAQs for Retail Users
- Q: What does Manba Finance Ltd do?A: Manba Finance Ltd provides financial services including loans and investment solutions to individuals and businesses.
- Q: Is Manba Finance Ltd a listed company?A: Yes, Manba Finance Ltd is listed on Indian stock exchanges, allowing public trading of its shares.
- Q: What factors affect Manba Finance Ltd's stock price?A: Factors include company performance, market conditions, economic trends, and investor sentiment.
- Q: How can I invest in Manba Finance Ltd?A: You can invest through a brokerage account by purchasing shares on the stock exchange.
- Q: What are the risks of investing in Manba Finance Ltd?A: Risks include market volatility, company performance, and changes in financial regulations.
📊 Stock Investment Checklist (100 Points)
Manba Finance Ltd • Updated: 2025-09-17 03:30:07
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8BusinessHighThe finance sector is evolving with digital transformation, but competition is high.
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10GrowthHighRevenue growth has been inconsistent, with recent fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with cash flow showing some volatility.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth catalysts are limited, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Manba Finance Ltd shows potential in a growing sector but faces significant risks and inconsistencies in performance metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100