Manappuram Fin. (MANAPPURAM)
Slow GrowerFairStock Score: 45/100 — MIXED
Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 0/1
Key Financials
| Current Price | ₹349 |
| Market Cap | ₹32,782.83 Cr |
| P/E Ratio | 21.32 |
| ROCE | 11.03% |
| ROE | 3.28% |
| Dividend Yield | 1.15% |
| Profit Growth | 288.5% |
| Debt/Equity | 3.6 |
| Sales Growth | 80.1% |
| Free Cash Flow | ₹-592 Cr |
| Promoter Holding | 35.25% |
| 52-Week Range | ₹245.15 — ₹381.55 |
| Sector | Finance |
| Book Value | ₹170.87 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
When I look at Manappuram Finance, I see a business that is unquestionably in trouble. The numbers say sales fell 8.11% and profits collapsed 79.27%. At ₹292.85, the market is paying 58.74 times earnings for a company whose return on equity is a thin 3.28%. That is not value investing; that is hope. The balance sheet compares poorly to what I would need. Debt-to-equity stands at 2.90, free cash flow is negative at ₹592 Cr, and the Altman Z-score of 1.02 puts the company in the danger zone. The Piotroski F-score of 4/9 further tells me the financial health is deteriorating. Book value is ₹146.88, so a P/B of 1.99 gives no margin of safety; Graham's number, at ₹126.21, is only 43% of the current price. I cannot call this undervalued when the margin of safety is minus 124%.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer