Manappuram Finance (MANAPPURAM) | Financial Analysis & Statements
Manappuram Finance Ltd. Large-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Jun 2025Income Metrics
Revenue
13.9B
Net Income
1.3B
9.54%
EPS (Diluted)
₹1.57
Balance Sheet Metrics
Total Assets
492.0B
Total Liabilities
367.6B
Shareholders Equity
124.5B
Debt to Equity
2.95
Cash Flow Metrics
Revenue & Profitability Trend
Quarter Income Flow
Jun 30, 2025
Annual Income Flow
2025
Manappuram Finance Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 63.5B | 59.6B | 44.6B | 40.4B | 41.2B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 1.6B | 1.3B | 1.1B | 1.2B | 674.1M |
| Other Operating Expenses | 4.4B | 4.2B | 3.5B | 3.2B | 2.6B |
| Total Operating Expenses | 6.0B | 5.5B | 4.5B | 4.4B | 3.3B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 16.7B | 29.6B | 20.4B | 17.8B | 23.2B |
| Income Tax | 4.6B | 7.6B | 5.4B | 4.5B | 5.9B |
| Effective Tax Rate % | 27.7% | 25.7% | 26.5% | 25.5% | 25.5% |
| Net Income | 12.0B | 22.0B | 15.0B | 13.3B | 17.2B |
| Net Margin % | 19.0% | 36.9% | 33.6% | 32.9% | 41.9% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | ₹14.37 | ₹25.86 | ₹17.67 | ₹15.70 | ₹20.40 |
| EPS (Diluted) | ₹14.37 | ₹25.86 | ₹17.67 | ₹15.70 | ₹20.40 |
| Basic Shares Outstanding | 846434729 | 846417680 | 846394729 | 846382729 | 845729191 |
| Diluted Shares Outstanding | 846434729 | 846417680 | 846394729 | 846382729 | 845729191 |
Income Statement Trend
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Manappuram Finance Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 35.7B | 28.3B | 29.3B | 25.8B | 27.3B |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | 5.6B | 5.7B | 6.0B | 6.4B | 5.9B |
| Goodwill | 1.2B | 1.1B | 1.0B | 995.0M | 988.8M |
| Intangible Assets | 528.8M | 355.5M | 304.0M | 283.8M | 277.5M |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 492.0B | 467.5B | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 2.2B | 2.1B | 1.6B | 1.7B | 1.4B |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 360.8B | 343.2B | 291.7B | 248.2B | 233.3B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 367.6B | 351.7B | - | - | - |
| Equity | |||||
| Common Stock | 1.7B | 1.7B | 1.7B | 1.7B | 1.7B |
| Retained Earnings | 75.2B | 70.0B | 55.2B | 45.7B | 38.1B |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 124.5B | 115.8B | 96.7B | 83.8B | 73.5B |
| Key Metrics | |||||
| Total Debt | 360.8B | 343.2B | 291.7B | 248.2B | 233.3B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Manappuram Finance Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 16.7B | 29.6B | 20.4B | 17.8B | 23.2B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 0 | 430.0K | 280.0K | -370.0K | -125.4M |
| Working Capital Changes | -690.8M | 565.7M | 186.0M | 385.5M | -2.4B |
| Operating Cash Flow | -19.8B | 302.0M | -6.0B | -7.7B | -19.2B |
| Investing Activities | |||||
| Capital Expenditures | -511.7M | 8.8M | 10.7M | 11.4M | 8.8M |
| Acquisitions | - | 0 | 0 | 0 | -217.9M |
| Investment Purchases | -1.5B | - | - | - | - |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -2.3B | -371.1M | -1.7B | 581.6M | -138.7M |
| Financing Activities | |||||
| Share Repurchases | 0 | 0 | -20.0K | 0 | -323.1M |
| Dividends Paid | -3.4B | -2.9B | -2.6B | -2.5B | -1.1B |
| Debt Issuance | 16.2B | - | - | - | - |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | 12.8B | -2.1B | -119.6M | -2.5B | -1.3B |
| Free Cash Flow | -6.6B | -35.2B | -32.8B | -5.9B | -6.7B |
| Net Change in Cash | -9.3B | -2.2B | -7.8B | -9.6B | -20.6B |
Cash Flow Trend
Manappuram Finance Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
62.64
Forward P/E
11.30
Price to Book
1.99
Price to Sales
7.87
PEG Ratio
-1.08
Profitability Ratios
Profit Margin
11.59%
Operating Margin
28.58%
Return on Equity
9.77%
Return on Assets
2.47%
Financial Health
Debt to Equity
301.61
Beta
0.63
Per Share Data
EPS (TTM)
₹4.71
Book Value per Share
₹148.59
Revenue per Share
₹41.05
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| MANAPPURAM | 271.8B | 62.64 | 1.99 | 9.77% | 11.59% | 301.61 |
| Bajaj Finance | 5.7T | 31.69 | 5.53 | 16.82% | 43.68% | 310.29 |
| Shriram Finance | 2.4T | 20.78 | 3.13 | 16.92% | 45.95% | 279.08 |
| Power Finance | 1.6T | 6.14 | 1.22 | 14.82% | 50.51% | 603.34 |
| Muthoot Finance | 1.4T | 16.50 | 4.04 | 26.69% | 51.14% | 384.60 |
| Indian Railway | 1.4T | 19.72 | 2.44 | 12.90% | 97.32% | 744.59 |
Financial data is updated regularly. All figures are in the company's reporting currency.




