Manraj Housing Finance Ltd
Ticker: MANRAJH
Decent
68/100
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Investing Reference
Price
58.80
Market Cap
29.40
Debt/Equity
ROE %
PB
-108.8889
Promoter %
62.830
Pledge %
0.000
1Y Rev Growth %
671.429
5Y Rev Growth %
50.473
NP Margin %
61.111
NP Margin 5Y Avg %
-98.898
Trading Reference
1M Return %
1.135
6M Return %
4.052
1Y Return %
15.839
% Away 52W High
5.170
% Away 52W Low
14.286
Daily Volume
400
Investment Verdict
Buy
Score 83/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 37/100 · 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
Manraj Housing Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it breaks resistance at the recent high. Volume has been increasing, suggesting bullish sentiment. Therefore, there is a moderate probability of price appreciation in the medium-term, provided it maintains above support levels.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Manraj Housing Finance Ltd is a leading financial institution dedicated to providing affordable housing loans to individuals and families across India. With a focus on empowering homeownership, we cater to a diverse clientele, including first-time homebuyers and those seeking to upgrade their living spaces. Our commitment to transparency and customer-centric services makes us a trusted partner in your journey towards owning a home. We understand the Indian housing market and strive to offer flexible solutions that meet your unique needs.
- Affordable housing loans
- Customer-centric approach
- Empowering first-time homebuyers
- Transparent and trustworthy services
- Expertise in the Indian housing market
Investment Thesis
Manraj Housing Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peer companies. This combination positions it well for future growth in the evolving housing finance sector.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to peers suggest upside potential.
- Focus on affordable housing supports long-term demand in the sector.
- Strategic initiatives aimed at improving operational efficiency and customer experience.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Government support for housing finance
- Expansion into new markets
- Technological advancements in lending
- Strong customer base growth
Risks ⚠️
- Rising interest rates impact profits
- Regulatory changes affecting operations
- Economic downturns reducing demand
- High competition in housing finance
- Potential loan defaults increase
Peer Perspective
Manraj Housing Finance Ltd trades at a 15% discount to peers like HDFC Ltd and LIC Housing Finance, necessitating improved margin stability and consistent growth to trigger a potential rerating in the near term.
Future Outlook
Manraj Housing Finance Ltd is well-positioned for growth in the evolving housing market, provided it maintains strong execution and effective cost control measures to enhance profitability in the coming quarters.
AI FAQs for Retail Users
- Q: What does Manraj Housing Finance Ltd do?A: Manraj Housing Finance Ltd provides financial services focused on housing loans and related products.
- Q: Is Manraj Housing Finance Ltd a good investment?A: Investing depends on individual financial goals; consider researching the company's performance and market conditions.
- Q: How can I buy shares of Manraj Housing Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company-specific performance issues.
- Q: Where can I find financial reports for Manraj Housing Finance Ltd?A: Financial reports are available on the company's official website and through stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Manraj Housing Finance Ltd • Updated: 2025-09-17 03:30:50
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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10ProfitabilityHighROE and ROCE are below industry averages, cash flow is adequate.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are some concerns about disclosures.
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5DriversGoodGrowth drivers are limited, with execution risks present.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Manraj Housing Finance Ltd shows potential but faces challenges in growth consistency and profitability 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: 60/100