Manappuram Finance Ltd.

357.52.36%

2026-08-21

manappuram.comBSE: 531213NSE: MANAPPURAM
Market Cap₹ 31,970 Cr.
Current Price₹ 349
High / Low₹ 382 / 245
Stock P/E22.1
Book Value₹ 171
Price to Book1.52
Dividend Yield0.59 %
ROCE8.3 %
ROE7.1 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Gold & Other Loans: 86.9% • Microfinance: 13.1%

PROS

  • Comfortable capital adequacy - CAR of 21.3%
  • Promoters have been increasing their shareholding - up 6.4pp over 2 years
  • Solid return on assets for a lender - ROA of 2.7%
  • Asset quality is healthy - gross NPA of just 1.8%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 341.4% YoY, showing strong momentum

CONS

  • Net NPA is elevated at 1.5% - provisioning cushion is thin
  • Company has a low return on capital employed of 11.2%
  • Free cash flow has been persistently negative
  • Company has delivered a poor profit growth of -10.5% over past five years
  • Operating margins have contracted to 56.2% from 66.2%
  • Equity base is being diluted - shares outstanding up 11.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS
S.No.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.BAJFINANCE1078.6033.07671531.430.566080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1104.9022.97259981.150.983452.7759.9013400.4317.4611.4974.63
3.JIOFIN242.7077.55160258.250.25830.25155.732004.47227.282.1169.71
4.CHOLAFIN1866.2527.72159390.070.111656.2245.568856.2921.899.7070.07
5.TATACAP365.1528.68155001.390.1616281.801464.1688219.301051.008.6675.72
6.BAJAJHLDNG11322.8514.23126015.971.722708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2859.2010.09114787.871.052824.8443.088671.6036.2515.8783.76
8.ABCAPITAL396.7526.46108592.290.001223.8543.8512179.54137.848.8241.91
9.LTF315.0024.8078940.440.87915.9930.705212.9222.388.5462.13
10.SBICARD626.300.0059601.370.40664.4419.515040.557.6011.7529.83
11.HDBFS681.1526.0056579.310.59785.2038.314937.9018.719.0957.98
12.MANAPPURAM340.3522.0631970.300.59584.77341.443034.1635.418.3570.14
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
2,004
671
Operating Profit
OPM %
Other Income
27
Interest
648
Depreciation
56
681
Tax %
26.85%
Net Profit
0
6
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Sep 2023
2,149
675
Operating Profit
OPM %
Other Income
13
Interest
689
Depreciation
62
747
Tax %
24.92%
Net Profit
0
7
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Dec 2023
2,293
729
Operating Profit
OPM %
Other Income
21
Interest
749
Depreciation
62
786
Tax %
26.85%
Net Profit
0
7
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Mar 2024
2,341
773
Operating Profit
OPM %
Other Income
14
Interest
779
Depreciation
65
746
Tax %
24.41%
Net Profit
0
7
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Jun 2024
2,464
846
Operating Profit
OPM %
Other Income
24
Interest
848
Depreciation
64
753
Tax %
26.07%
Net Profit
557
7
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Sep 2024
2,628
892
Operating Profit
OPM %
Other Income
4
Interest
906
Depreciation
67
773
Tax %
25.96%
Net Profit
572
7
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Dec 2024
2,555
1,191
Operating Profit
OPM %
Other Income
3
Interest
925
Depreciation
70
376
Tax %
25.95%
Net Profit
278
3
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Mar 2025
2,291
1,637
Operating Profit
OPM %
Other Income
2
Interest
895
Depreciation
66
-236
Tax %
13.87%
Net Profit
-203
-2
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Jun 2025
2,241
1,233
Operating Profit
OPM %
Other Income
3
Interest
855
Depreciation
75
102
Tax %
-30.49%
Net Profit
132
2
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Sep 2025
2,256
1,028
Operating Profit
OPM %
Other Income
2
Interest
876
Depreciation
79
302
Tax %
28.04%
Net Profit
217
3
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Dec 2025
2,273
1,034
Operating Profit
OPM %
Other Income
6
Interest
945
Depreciation
77
303
Tax %
21.23%
Net Profit
239
3
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
169
Reserves
0
Promoter Pledge %
0.00%
Mar 2026
2,566
877
Operating Profit
OPM %
Other Income
12
Interest
1,109
Depreciation
75
564
Tax %
28.20%
Net Profit
405
5
Equity Capital
188
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
188
Reserves
0
Promoter Pledge %
0.00%
Jun 2026
3,034
2,259
Operating Profit
OPM %
Other Income
6
Interest
1,274
Depreciation
78
782
Tax %
25.20%
Net Profit
585
1
Equity Capital
188
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
188
Reserves
0
Promoter Pledge %
0.00%

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
3,385
1,011
Operating Profit
2,398
OPM %
71
Other Income
24
Interest
1,169
Depreciation
63
1,166
Tax %
35
Net Profit
758
EPS
9
Dividend Payout %
22
Minority Interest
-3
Share of Associates
0
Adjusted EPS
9
Minority Interest
-3
Share of Associates
0
Adjusted EPS
9
Mar 2018
3,421
1,344
Operating Profit
2,136
OPM %
62
Other Income
58
Interest
1,030
Depreciation
68
1,037
Tax %
35
Net Profit
676
EPS
8
Dividend Payout %
25
Minority Interest
0
Share of Associates
0
Adjusted EPS
8
Minority Interest
0
Share of Associates
0
Adjusted EPS
8
Mar 2019
4,180
1,365
Operating Profit
2,877
OPM %
69
Other Income
63
Interest
1,345
Depreciation
75
1,457
Tax %
35
Net Profit
949
EPS
11
Dividend Payout %
19
Minority Interest
0
Share of Associates
0
Adjusted EPS
11
Minority Interest
0
Share of Associates
0
Adjusted EPS
11
Mar 2020
5,465
1,548
Operating Profit
4,004
OPM %
73
Other Income
86
Interest
1,832
Depreciation
164
2,007
Tax %
26
Net Profit
1,480
EPS
17
Dividend Payout %
16
Minority Interest
-13
Share of Associates
0
Adjusted EPS
17
Minority Interest
-13
Share of Associates
0
Adjusted EPS
17
Mar 2021
6,331
1,669
Operating Profit
4,706
OPM %
74
Other Income
44
Interest
2,219
Depreciation
171
2,316
Tax %
26
Net Profit
1,725
EPS
20
Dividend Payout %
6
Minority Interest
-1
Share of Associates
0
Adjusted EPS
20
Minority Interest
-1
Share of Associates
0
Adjusted EPS
20
Mar 2022
6,061
2,134
Operating Profit
3,993
OPM %
66
Other Income
65
Interest
2,011
Depreciation
198
1,784
Tax %
26
Net Profit
1,329
EPS
16
Dividend Payout %
19
Minority Interest
-0
Share of Associates
0
Adjusted EPS
16
Minority Interest
-0
Share of Associates
0
Adjusted EPS
16
Mar 2023
6,700
2,317
Operating Profit
4,433
OPM %
66
Other Income
50
Interest
2,188
Depreciation
204
2,041
Tax %
26
Net Profit
1,500
EPS
18
Dividend Payout %
17
Minority Interest
-4
Share of Associates
0
Adjusted EPS
18
Minority Interest
-4
Share of Associates
0
Adjusted EPS
18
Mar 2024
8,848
2,848
Operating Profit
6,072
OPM %
69
Other Income
72
Interest
2,866
Depreciation
246
2,960
Tax %
26
Net Profit
2,197
EPS
26
Dividend Payout %
13
Minority Interest
-9
Share of Associates
0
Adjusted EPS
26
Minority Interest
-9
Share of Associates
0
Adjusted EPS
26
Mar 2025
10,011
4,557
Operating Profit
5,474
OPM %
55
Other Income
20
Interest
3,541
Depreciation
267
1,666
Tax %
28
Net Profit
1,204
EPS
14
Dividend Payout %
28
Minority Interest
12
Share of Associates
0
Adjusted EPS
14
Minority Interest
12
Share of Associates
0
Adjusted EPS
14
Mar 2026
9,509
4,162
Operating Profit
5,362
OPM %
56
Other Income
15
Interest
3,786
Depreciation
307
1,270
Tax %
22
Net Profit
993
EPS
11
Dividend Payout %
19
Minority Interest
10
Share of Associates
0
Adjusted EPS
11
Minority Interest
10
Share of Associates
0
Adjusted EPS
11
TTM
10,129
5,198
Operating Profit
OPM %
Other Income
26
Interest
4,204
Depreciation
310
1,950
Tax %
26
Net Profit
1,445
EPS
Dividend Payout %
Minority Interest
0
Share of Associates
0
Adjusted EPS
Minority Interest
0
Share of Associates
0
Adjusted EPS

COMPOUNDED SALES GROWTH

10 Years:
15%
5 Years:
8%
3 Years:
12%

COMPOUNDED PROFIT GROWTH

10 Years:
11%
5 Years:
-10%
3 Years:
-12%

STOCK PRICE CAGR

10 Years:
15%
5 Years:
17%
3 Years:
33%
1 Year:
31%

RETURN ON EQUITY

10 Years:
19%
5 Years:
14%
3 Years:
13%
Last Year:
7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Aug 17

₹ 0.50

Rs.1.0000 per share(50%)Interim Dividend

2026

May 11

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2026

Feb 6

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2025

Nov 7

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2025

Aug 14

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2025

May 15

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2025

Feb 21

₹ 0.50

Rs.1.0000 per share(50%)Interim Dividend

2024

Nov 18

₹ 0.50

Rs.1.0000 per share(50%)Interim Dividend

2024

Aug 26

₹ 0.50

Rs.1.0000 per share(50%)Interim Dividend

2024

Jun 5

₹ 0.50

Rs.1.0000 per share(50%)Interim Dividend

2024

Feb 16

₹ 0.45

Rs.0.9000 per share(45%)Interim Dividend

2023

Nov 24

₹ 0.42

Rs.0.8500 per share(42.5%)Interim Dividend

2023

Aug 23

₹ 0.40

Rs.0.8000 per share(40%)Interim Dividend

2023

May 24

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2023

Feb 15

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2022

Nov 22

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2022

May 27

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2022

Feb 24

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2021

Nov 24

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2021

Aug 20

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2021

Jun 4

₹ 0.37

Rs.0.7500 per share(37.5%)Interim Dividend

2021

Feb 10

₹ 0.32

Rs.0.6500 per share(32.5%)Interim Dividend

2020

Nov 18

₹ 0.30

Rs.0.6000 per share(30%)Interim Dividend

2019

Feb 15

Rs.0.5500 per share(27.5%)Interim Dividend

2018

Aug 23

Rs.0.5500 per share(27.5%)Interim Dividend

2018

May 29

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2018

Feb 20

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2017

Nov 16

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2017

Aug 22

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2017

Jun 5

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2017

Feb 16

₹ 0.25

09/03/2017 Equity Rs.0.5000 per share(25%)Interim Dividend

2016

Nov 22

₹ 0.25

Rs.0.5000 per share(25%)Interim Dividend

2016

Aug 22

₹ 0.25

08/09/2016 Equity Rs.0.5000 per share(25%)Interim Dividend

2016

Mar 22

Rs.0.4500 per share(22.5%)Interim Dividend

2016

Feb 23

Rs.0.4500 per share(22.5%)Interim Dividend

2015

Nov 24

Rs.0.4500 per share(22.5%)Interim Dividend

2015

Sep 4

12/09/2015 Equity Rs.0.4500 per share(22.5%)Interim Dividend

2015

Aug 14

Rs.0.4500 per share(22.5%)Interim Dividend

2015

Nov 16

Rs.0.4500 per share(22.5%)Interim Dividend

Mar 2017
Equity Capital
168
3,193
7,775
Trade Payables
73
3,864
Total Liabilities
15,075
222
Capital Work in Progress
1
5
0
Cash & Bank
555
14,292
Total Assets
15,075
Total Debt
10,986
Net Working Capital
5,390
Contingent Liabilities
37
Book Value per Share
39.93
Face Value
2.00
Total Debt
10,986
Net Working Capital
5,390
Contingent Liabilities
37
Book Value per Share
39.93
Face Value
2.00
Mar 2018
Equity Capital
169
3,621
7,827
Trade Payables
118
5,185
Total Liabilities
16,920
310
Capital Work in Progress
0
5
0
Cash & Bank
724
15,881
Total Assets
16,920
Total Debt
12,607
Net Working Capital
4,633
Contingent Liabilities
95
Book Value per Share
44.98
Face Value
2.00
Total Debt
12,607
Net Working Capital
4,633
Contingent Liabilities
95
Book Value per Share
44.98
Face Value
2.00
Mar 2019
Equity Capital
169
4,347
9,693
Trade Payables
133
6,028
Total Liabilities
20,369
367
Capital Work in Progress
1
174
0
Cash & Bank
1,164
18,663
Total Assets
20,369
Total Debt
15,297
Net Working Capital
4,689
Contingent Liabilities
165
Book Value per Share
53.58
Face Value
2.00
Total Debt
15,297
Net Working Capital
4,689
Contingent Liabilities
165
Book Value per Share
53.58
Face Value
2.00
Mar 2020
Equity Capital
169
5,518
8,887
Trade Payables
109
14,751
Total Liabilities
29,434
803
Capital Work in Progress
3
90
0
Cash & Bank
3,667
24,870
Total Assets
29,434
Total Debt
22,574
Net Working Capital
11,761
Contingent Liabilities
97
Book Value per Share
67.30
Face Value
2.00
Total Debt
22,574
Net Working Capital
11,761
Contingent Liabilities
97
Book Value per Share
67.30
Face Value
2.00
Mar 2021
Equity Capital
169
7,125
5,372
Trade Payables
124
18,362
Total Liabilities
31,152
926
Capital Work in Progress
8
338
0
Cash & Bank
2,912
26,968
Total Assets
31,152
Total Debt
22,716
Net Working Capital
16,794
Contingent Liabilities
81
Book Value per Share
86.18
Face Value
2.00
Total Debt
22,716
Net Working Capital
16,794
Contingent Liabilities
81
Book Value per Share
86.18
Face Value
2.00
Mar 2022
Equity Capital
169
8,185
8,193
Trade Payables
142
16,944
Total Liabilities
33,634
1,052
Capital Work in Progress
11
421
0
Cash & Bank
2,697
29,453
Total Assets
33,634
Total Debt
24,118
Net Working Capital
14,540
Contingent Liabilities
82
Book Value per Share
98.71
Face Value
2.00
Total Debt
24,118
Net Working Capital
14,540
Contingent Liabilities
82
Book Value per Share
98.71
Face Value
2.00
Mar 2023
Equity Capital
169
9,462
6,522
Trade Payables
106
23,097
Total Liabilities
39,356
1,094
Capital Work in Progress
16
534
0
Cash & Bank
3,035
34,677
Total Assets
39,356
Total Debt
28,483
Net Working Capital
16,961
Contingent Liabilities
156
Book Value per Share
113.79
Face Value
2.00
Total Debt
28,483
Net Working Capital
16,961
Contingent Liabilities
156
Book Value per Share
113.79
Face Value
2.00
Mar 2024
Equity Capital
169
11,379
20,456
Trade Payables
122
14,420
Total Liabilities
46,546
1,070
Capital Work in Progress
33
726
0
Cash & Bank
3,012
41,705
Total Assets
46,546
Total Debt
33,167
Net Working Capital
-18,179
Contingent Liabilities
107
Book Value per Share
136.43
Face Value
2.00
Total Debt
33,167
Net Working Capital
-18,179
Contingent Liabilities
107
Book Value per Share
136.43
Face Value
2.00
Mar 2025
Equity Capital
169
12,263
18,980
Trade Payables
112
22,651
Total Liabilities
54,175
1,134
Capital Work in Progress
11
790
0
Cash & Bank
3,676
48,564
Total Assets
54,175
Total Debt
35,421
Net Working Capital
-14,857
Contingent Liabilities
196
Book Value per Share
146.88
Face Value
2.00
Total Debt
35,421
Net Working Capital
-14,857
Contingent Liabilities
196
Book Value per Share
146.88
Face Value
2.00
Mar 2026
Equity Capital
188
15,315
27,854
Trade Payables
191
31,526
Total Liabilities
75,074
1,057
Capital Work in Progress
27
2,051
0
Cash & Bank
6,046
65,892
Total Assets
75,074
Total Debt
57,246
Net Working Capital
-20,886
Contingent Liabilities
136
Book Value per Share
165.04
Face Value
2.00
Total Debt
57,246
Net Working Capital
-20,886
Contingent Liabilities
136
Book Value per Share
165.04
Face Value
2.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
-1,271
Cash from Investing
-25
Cash from Financing
1,211
-84
Free Cash Flow
-1,295
OCF / Net Profit
-1.68
Cumulative 5-Year FCF
0
OCF / Net Profit
-1.68
Cumulative 5-Year FCF
0
Mar 2018
-33
Cash from Investing
-148
Cash from Financing
293
112
Free Cash Flow
-33
OCF / Net Profit
-0.05
Cumulative 5-Year FCF
0
OCF / Net Profit
-0.05
Cumulative 5-Year FCF
0
Mar 2019
-1,661
Cash from Investing
-371
Cash from Financing
2,388
356
Free Cash Flow
-1,791
OCF / Net Profit
-1.75
Cumulative 5-Year FCF
0
OCF / Net Profit
-1.75
Cumulative 5-Year FCF
0
Mar 2020
-3,620
Cash from Investing
26
Cash from Financing
6,049
2,455
Free Cash Flow
-4,113
OCF / Net Profit
-2.45
Cumulative 5-Year FCF
0
OCF / Net Profit
-2.45
Cumulative 5-Year FCF
0
Mar 2021
-619
Cash from Investing
-186
Cash from Financing
59
-747
Free Cash Flow
-821
OCF / Net Profit
-0.36
Cumulative 5-Year FCF
-8,052
OCF / Net Profit
-0.36
Cumulative 5-Year FCF
-8,052
Mar 2022
-423
Cash from Investing
-193
Cash from Financing
438
-177
Free Cash Flow
-740
OCF / Net Profit
-0.32
Cumulative 5-Year FCF
-7,497
OCF / Net Profit
-0.32
Cumulative 5-Year FCF
-7,497
Mar 2023
-3,103
Cash from Investing
-616
Cash from Financing
3,849
130
Free Cash Flow
-3,107
OCF / Net Profit
-2.07
Cumulative 5-Year FCF
-10,571
OCF / Net Profit
-2.07
Cumulative 5-Year FCF
-10,571
Mar 2024
-3,450
Cash from Investing
-601
Cash from Financing
4,092
41
Free Cash Flow
-3,680
OCF / Net Profit
-1.57
Cumulative 5-Year FCF
-12,460
OCF / Net Profit
-1.57
Cumulative 5-Year FCF
-12,460
Mar 2025
-467
Cash from Investing
-125
Cash from Financing
1,132
541
Free Cash Flow
-627
OCF / Net Profit
-0.39
Cumulative 5-Year FCF
-8,974
OCF / Net Profit
-0.39
Cumulative 5-Year FCF
-8,974
Mar 2026
-20,238
Cash from Investing
-1,632
Cash from Financing
23,834
1,965
Free Cash Flow
-20,238
OCF / Net Profit
-20.38
Cumulative 5-Year FCF
-28,391
OCF / Net Profit
-20.38
Cumulative 5-Year FCF
-28,391

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
EPS (₹)
8.98
Book Value (₹)
39.93
Dividend per Share (₹)
2.00
Cash EPS (₹)
9.76
Operating Margin %
70.82%
Net Margin %
22.40%
ROE %
24.79%
ROCE %
17.46%
5.44%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.27x
Interest Coverage (x)
2.00x
1.63x
Revenue Growth %
43.44%
Operating Profit Growth %
54.53%
Net Profit Growth %
113.56%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2018
EPS (₹)
8.02
Book Value (₹)
44.98
Dividend per Share (₹)
2.00
Cash EPS (₹)
8.83
Operating Margin %
62.43%
Net Margin %
19.76%
ROE %
18.91%
ROCE %
13.44%
4.23%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.33x
Interest Coverage (x)
2.01x
1.55x
Revenue Growth %
1.04%
Operating Profit Growth %
-10.93%
Net Profit Growth %
-10.88%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2019
EPS (₹)
11.25
Book Value (₹)
53.58
Dividend per Share (₹)
2.15
Cash EPS (₹)
12.15
Operating Margin %
68.83%
Net Margin %
22.70%
ROE %
22.84%
ROCE %
15.45%
5.09%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.39x
Interest Coverage (x)
2.08x
1.46x
Revenue Growth %
22.18%
Operating Profit Growth %
34.70%
Net Profit Growth %
40.32%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2020
EPS (₹)
17.37
Book Value (₹)
67.30
Dividend per Share (₹)
2.75
Cash EPS (₹)
19.46
Operating Margin %
73.26%
Net Margin %
27.09%
ROE %
29.02%
ROCE %
15.94%
5.94%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.97x
Interest Coverage (x)
2.10x
2.18x
Revenue Growth %
30.76%
Operating Profit Growth %
39.17%
Net Profit Growth %
56.06%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2021
EPS (₹)
20.37
Book Value (₹)
86.18
Dividend per Share (₹)
1.25
Cash EPS (₹)
22.40
Operating Margin %
74.34%
Net Margin %
27.25%
ROE %
26.58%
ROCE %
15.55%
5.69%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.11x
Interest Coverage (x)
2.04x
3.59x
Revenue Growth %
15.83%
Operating Profit Growth %
17.54%
Net Profit Growth %
16.53%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2022
EPS (₹)
15.70
Book Value (₹)
98.71
Dividend per Share (₹)
3.00
Cash EPS (₹)
18.04
Operating Margin %
65.88%
Net Margin %
21.92%
ROE %
16.98%
ROCE %
12.14%
4.10%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
2.89x
Interest Coverage (x)
1.89x
2.54x
Revenue Growth %
-4.26%
Operating Profit Growth %
-15.15%
Net Profit Growth %
-22.97%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2023
EPS (₹)
17.67
Book Value (₹)
113.79
Dividend per Share (₹)
3.00
Cash EPS (₹)
20.13
Operating Margin %
66.16%
Net Margin %
22.39%
ROE %
16.68%
ROCE %
11.98%
4.11%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
2.96x
Interest Coverage (x)
1.93x
3.17x
Revenue Growth %
10.54%
Operating Profit Growth %
11.01%
Net Profit Growth %
12.90%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2024
EPS (₹)
25.86
Book Value (₹)
136.43
Dividend per Share (₹)
3.30
Cash EPS (₹)
28.87
Operating Margin %
67.81%
Net Margin %
24.84%
ROE %
20.75%
ROCE %
14.06%
5.12%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
2.87x
Interest Coverage (x)
2.03x
0.16x
Revenue Growth %
32.07%
Operating Profit Growth %
36.98%
Net Profit Growth %
46.48%
46.30%
P/E (x)
6.69x
P/B (x)
1.27x
Dividend Yield %
1.91%
7.38x
Mar 2025
EPS (₹)
14.37
Book Value (₹)
146.88
Dividend per Share (₹)
4.00
Cash EPS (₹)
17.38
Operating Margin %
54.48%
Net Margin %
12.03%
ROE %
10.04%
ROCE %
11.25%
2.39%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
2.85x
Interest Coverage (x)
1.47x
0.40x
Revenue Growth %
13.15%
Operating Profit Growth %
-9.84%
Net Profit Growth %
-45.22%
-44.43%
P/E (x)
16.19x
P/B (x)
1.58x
Dividend Yield %
1.72%
9.40x
Mar 2026
EPS (₹)
10.68
Book Value (₹)
165.04
Dividend per Share (₹)
2.00
Cash EPS (₹)
13.84
Operating Margin %
56.23%
Net Margin %
10.44%
ROE %
7.11%
ROCE %
8.35%
1.54%
Debtor Days
0
Inventory Days
0
Payable Days
0
0
Debt to Equity (x)
3.69x
Interest Coverage (x)
1.34x
0.30x
Revenue Growth %
-5.01%
Operating Profit Growth %
-2.04%
Net Profit Growth %
-17.50%
-25.66%
P/E (x)
23.50x
P/B (x)
1.52x
Dividend Yield %
0.80%
13.94x

Shareholding Pattern

Numbers in percentages

TRADES
Jun 2024
35.24
33.00
9.34
Government
0.00
22.42
Sep 2024
35.25
30.36
10.97
Government
0.00
23.42
Dec 2024
35.25
27.01
7.87
Government
0.00
29.87
Mar 2025
35.25
28.43
7.99
Government
0.00
28.33
Jun 2025
35.25
29.71
8.61
Government
0.00
26.41
Sep 2025
35.25
30.16
9.17
Government
0.00
25.42
Dec 2025
35.25
28.78
11.15
Government
0.00
24.83
Mar 2026
31.77
23.23
12.96
Government
0.00
32.03
Jun 2026
41.66
22.30
14.84
Government
0.00
21.20

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Credit Ratings

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