Manappuram Finance Limited
Financial trend (100/100) does the heavy lifting; valuation (42/100) is the drag.
Fair valueOur blended model reads Manappuram Finance Limited as a Buy at 68/100. On 27.2x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹371.85. Financial health scores 52/100, with a Piotroski F-score of 1/9. The average analyst target of ₹322.46 implies about 13% downside across 13 analysts. It clears 5 of 11 investability checks, with durability 57, valuation 56 and momentum 90 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹256.71.
Analyst views
1-year price
EOD · 2026-07-3152-week range
+0.00% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy68Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 7.0%
- Fail: Low debt (D/E < 0.5): 3.60x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 109%
- No data: Earnings growing
- Pass: Net margin ≥ 10%: 24.0%
- Pass: Current ratio > 1.5: 94.12
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter32.9%
- Institutions38.2%
- Public & other28.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (24.0%).
- Trading near its 52-week high.
Opportunities
- Revenue growing (109% YoY).
Bear case
Weaknesses
- Low return on equity (7.0%).
- High debt relative to equity.
- Weak Piotroski score (1/9).
About Manappuram Finance Limited
Manappuram Finance Limited is a non-banking financial company offering gold loans and related financial services across India. Its product portfolio includes gold loans in multiple formats, vehicle and business loans, two-wheeler financing, micro home finance, and digital personal loans. The company also provides foreign exchange transfers, digital wallet services, depository services, and demat accounts.
Manappuram Finance Limited — frequently asked questions
Is Manappuram Finance Limited a buy, hold or sell?
StocksWizard currently rates Manappuram Finance Limited (MANAPPURAM) a Buy, based on a blended score of 68/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Manappuram Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Manappuram Finance Limited's fair value at about ₹320.89, versus a current price of ₹371.85 — roughly 14% downside. On that basis the stock looks overvalued by 14%.
Is Manappuram Finance Limited financially healthy?
Manappuram Finance Limited scores 52/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has Manappuram Finance Limited's share price performed?
Manappuram Finance Limited is up 21% over three months, and last traded at ₹371.85. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.