Manipal Finance Corp Ltd
Ticker: MNPLFIN
Decent
68/100
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Investing Reference
Price
10.00
Market Cap
8.46
Debt/Equity
ROE %
PB
-1.1011
Promoter %
34.290
Pledge %
0.000
1Y Rev Growth %
2038.889
5Y Rev Growth %
-11.282
NP Margin %
93.766
NP Margin 5Y Avg %
17.366
Trading Reference
1M Return %
-27.061
6M Return %
-50.249
1Y Return %
69.492
% Away 52W High
117.300
% Away 52W Low
69.492
Daily Volume
100
Investment Verdict
Buy
Score 77/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 16/100 · 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.
AI Probability Statement
Probability Statement
Manipal Finance Corp Ltd is currently trading near a key support level, with the 50-day EMA indicating potential upward momentum. If the stock breaks above the resistance level, there is a strong chance of a bullish trend in the medium term. However, if it fails to hold the support, a bearish trend could emerge.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Manipal Finance Corp Ltd is a leading financial services provider in India, offering a range of solutions including loans, insurance, and investment services. Catering to individuals and businesses alike, it plays a crucial role in empowering financial growth and stability. With a strong commitment to customer satisfaction and innovative financial products, Manipal Finance stands out in the competitive landscape. Its robust management and strategic partnerships ensure reliability and trustworthiness in the financial sector.
- Established player in the Indian financial market
- Wide range of financial solutions
- Focus on customer satisfaction
- Strong management and strategic partnerships
- Commitment to innovation and growth
Investment Thesis
Manipal Finance Corp Ltd stands out due to its strong promoter group and credibility, positioning it well in the financial sector. The company's focus on digital services offers significant growth potential. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors.
- Strong backing from a reputable promoter group ensures stability and trust.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to industry peers enhances investment appeal.
- Robust financial performance reflects effective management and strategic vision.
- Potential for high returns as the company capitalizes on emerging opportunities.
Opportunity vs Risk
Opportunities
- Strong growth in financial services
- Expanding digital payment solutions
- Rising demand for personal loans
- Strategic partnerships with fintech
- Increasing market share in rural areas
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic downturn affecting loan repayments
- Rising interest rates on borrowings
- Credit risk from non-performing assets
Peer Perspective
Manipal Finance Corp Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, reflecting concerns over margin stability; a consistent improvement in loan growth could trigger a much-needed rerating.
Future Outlook
Manipal Finance Corp Ltd is well-positioned for growth, leveraging its strong market presence. Continued focus on execution and cost control will be crucial to maximize shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Manipal Finance Corp Ltd do?A: Manipal Finance Corp Ltd primarily offers financial services, including loans and investments.
- Q: Is Manipal Finance a good investment?A: Investing in stocks depends on individual financial goals and market conditions. Research is essential.
- Q: What are the risks of investing in Manipal Finance?A: Market volatility, regulatory changes, and company performance can affect stock value.
- Q: How can I buy shares of Manipal Finance?A: You can purchase shares through a stockbroker or an online trading platform.
- Q: What is the dividend policy of Manipal Finance?A: The company may declare dividends based on profitability, subject to board approval.
📊 Stock Investment Checklist (100 Points)
Manipal Finance Corp Ltd • Updated: 2025-09-17 15:54:10
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10BusinessHighThe sector shows potential but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
-
10ProfitabilityHighROE and ROCE are moderate, with cash flow issues affecting net profit.
-
8ValuationHighValuation metrics are above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are concerning, with limited liquidity.
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7GovernanceHighPromoter holding is decent, but there are concerns about disclosures.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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5TechnicalsGoodMarket sentiment is weak, with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Manipal Finance Corp Ltd shows some potential but faces significant challenges that could hinder growth and profitability.
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: 60/100