Manba Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Promoters have been increasing their shareholding - up 44.3pp over 2 years
- Comfortable capital adequacy - CAR of 30.1%
- Solid return on assets for a lender - ROA of 3.1%
CONS
- Net NPA is elevated at 2.5% - provisioning cushion is thin
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| MANBA | 131.90 | 46.23 | 662.66 | 0.19 | 13.26 | 36.03 | 92.61 | 46.90 | 13.18 | 65.69 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
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Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|
| 47 | 59 | 87 | |
| 20 | 25 | 33 | |
| Operating Profit | 27 | 34 | 55 |
| OPM % | 57.72% | 58.12% | 62.35% |
| 0 | 0 | 3 | |
| Interest | 17 | 21 | 35 |
| Depreciation | 1 | 1 | 2 |
| Profit before Tax | 10 | 12 | 21 |
| Tax % | 33.95% | 31.58% | 31.55% |
| Net Profit | 6 | 8 | 14 |
| EPS | 0.00 | 0.00 | 0.00 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
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- 5 Years:
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- 3 Years:
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COMPOUNDED PROFIT GROWTH
- 10 Years:
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- 5 Years:
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STOCK PRICE CAGR
- 10 Years:
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- 3 Years:
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- 1 Year:
- -4%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
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- 3 Years:
- 15%
- Last Year:
- 16%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|
| Equity Capital | 6 | 8 | 9 |
| 44 | 72 | 94 | |
| 157 | 230 | 372 | |
| Trade Payables | 5 | 9 | 10 |
| 14 | 15 | 21 | |
| Total Liabilities | 225 | 334 | 506 |
| 12 | 22 | 15 | |
| Cash & Bank | 9 | 7 | 18 |
| 204 | 304 | 473 | |
| Total Assets | 225 | 334 | 506 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|
| -4 | -61 | -108 | |
| Cash from Investing | -2 | -11 | 3 |
| Cash from Financing | 13 | 74 | 123 |
| 4 | -2 | 11 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-04 - Manba Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-09-03 - Manba Finance Limited has informed the Exchange regarding 'letter to shareholder'.
2026-09-02 - Manba Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-01 - Manba Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 26, 2026
2026-09-01 - Manba Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-31 - Manba Finance Limited has informed the Exchange that Record date for the purpose of Dividend is 18-Sep-2026.
2026-08-31 - Manba Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on August 31, 2026.
2026-08-24 - Manba Finance Limited has informed the Exchange regarding allotment of 9000 securities pursuant to Non Convertible Securities at its meeting held on August 24, 2026
2026-07-30 - Manba Finance Limited has informed the Exchange about Transcript
News
Recent coverage and analyst commentary for MANBA
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Manba Finance Ltd.
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