Manappuram Fin. Q1 FY27 Share Price & Earnings Call Analysis

Financials of Manappuram Fin.

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Manappuram Fin.

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,7762,0302,1612,3052,3482,4882,6332,5602,3612,2622,2732,3542,614
Interest5896486897497798489069258958558769451,109
Expenses +5876716757297738468921,1911,6371,2331,0181,034877
Financing Profit600710796827796793835444-172174380375627
Financing Margin %34%35%37%36%34%32%32%17%-7%8%17%16%24%
Other Income +23271321142443232512
Depreciation56566262656467706675797775
Profit before tax567681747786746753773376-236102302303564
Tax %27%27%25%27%24%26%26%26%-14%-30%28%21%28%
Net Profit +415498561575564557572278-203132217239405
EPS in Rs4.885.866.606.776.636.556.743.33-2.261.632.602.854.77
Gross NPA %
Net NPA %

Financials of Manappuram Fin.

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1,9882,3693,4063,4214,1805,4656,3316,0616,7008,84810,0079,509
Interest8779471,1691,0301,3451,8322,2192,0112,1882,8663,5413,786
Expenses +6488201,0111,3441,3651,5471,6692,1332,3172,8484,5674,162
Financing Profit4626011,2251,0471,4692,0862,4431,9162,1953,1341,8991,561
Financing Margin %23%25%36%31%35%38%39%32%33%35%19%16%
Other Income +533586386446550723415
Depreciation5456636875164171198204246267307
Profit before tax4145481,1661,0371,4572,0072,3161,7842,0412,9601,6661,270
Tax %34%35%35%35%35%26%26%26%26%26%28%22%
Net Profit +2713557586769491,4801,7251,3291,5002,1971,204993
EPS in Rs3.234.208.988.0411.1617.3720.3715.7017.6725.8614.3711.85
Dividend Payout %42%54%17%25%19%16%10%19%17%13%28%23%

Financials of Manappuram Fin.

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital168168168169169169169169169169169188
Reserves2,4652,5903,1933,6454,3785,5777,1388,1999,47611,37912,26315,863
Borrowing8,6329,63810,98612,60715,29723,02223,32724,81629,16734,32036,07757,837
Other Liabilities +352443804609602767703623693880696672
Total Liabilities11,61612,83915,15217,03020,44629,53531,33833,80839,50446,74849,20574,559
Fixed Assets +2062302223103678039261,0521,0941,0701,1341,057
CWIP10101381317331127
Investments2174955174903384215347267882,051
Other Assets +11,19312,56014,92516,71519,90428,63930,06632,32237,86044,91847,27271,424
Total Assets11,61612,83915,15217,03020,44629,53531,33833,80839,50446,74849,20574,559

Financials of Manappuram Fin.

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-888-1,042-1,271-33-1,661-3,620-619-423-3,103-3,450-467-20,238
Cash from Investing Activity +64972-25-148-37126-186-193-616-601-125-1,632
Cash from Financing Activity +2657721,2112932,3886,049594383,8494,0921,13223,834
Net Cash Flow26-198-841123562,455-747-177130415411,965
Free Cash Flow-912-1,121-1,324-193-1,787-3,716-672-585-3,275-3,585-662-20,427
CFO/OP-56%-56%-36%17%-40%-81%-0%2%-60%-44%5%-369%

Financials of Manappuram Fin.

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%13%25%19%22%28%26%17%17%21%10%7%

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What Manappuram Fin.'s management said in earlier quarters

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