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GOLD 24K (10g)₹75,420+0.38%
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MANBA FINANCE LIMITED

MANBA FINANCE LIMITED

NSE: MANBA
Credit ServicesFinancial ServicesSMALL CAPMCap ₹731.9 Cr
₹145.69₹5.05 (+3.59%)

Market Closed • NSE

Market cap₹731.9 Cr
Enterprise value₹2.00k Cr
P/E TTM14.99
P/B1.79
EPS TTM₹9.72
D/E3.80
Dividend yield0.01%
52W high₹154.00
52W low₹98.00
Price chart(1Y)
1Y Return:+22.09% (+₹26.36)
H: ₹154L: ₹115
1W+2.54%
1M+8.92%
3M+5.71%
6M+36.54%
1Y+9.37%
Today at a glance

Day range

₹140.83₹146.96

52 week range

₹98.00₹154.00
Volume128.7K0.63x 20D avg
Free float50.00%-36.70% volume

MANBA FINANCE LIMITED closed at INR145.69 (+3.59%) on volume 0.63x its 20-day average, trading 5.4% below its 52-week high.

Technical analysis
RSI (14)64.8Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹5.24High
SMA 20₹139.75BULLISH
SMA 50₹134.38BULLISH
SMA 100₹132.43BULLISH
SMA 200₹126.06BULLISH
CPR bottom₹141.23
Pivot₹141.03
CPR top₹140.84
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved -14.9% QoQ

2026-09-18

DIVIDEND Announced

Dividend - Re 0.25 Per Share

2026-08-07

DIVIDEND Announced

Interim Dividend - Re 0.25 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹1.56k Cr₹731.9 Cr212.53%≤ 33%FAIL
Non-halal income ratio–₹313.5 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹1.80k Cr₹1.98k Cr91.01%≥ 20%PASS
Receivables ratio–₹1.98k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E14.9916.50
Forward P/E——
P/B1.791.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield6.706.10
Growth & profitability
RevenuePAT
FY23PAT margin 13.30%
FY24PAT margin 18.50%
FY25PAT margin 15.90%
FY26PAT margin 14.50%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+35.90%
Revenue CAGR 5Y—
PAT CAGR 3Y+39.90%
PAT CAGR 5Y—
Operating margin47.79%
Net margin33.83%
Financial health & cash flow
Net debt₹1.38k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-7.34x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-37807.8 Lakh
Capital expenditure–
Free cash flow₹-37917.3 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation75/100
Profitability50/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 15.0x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 3.80x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2024

Ownership distribution

Dec 2024Latest holding

Category trends

Hover over a period for exact holdings

80%53%27%0%Sept 2024Dec 2024
1.29%Institutional holding
24.15%Public holding
2Periods available
0.00%Promoter pledged
18.49KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
18 Sept 2026Dividend₹0.25 / share—18 Sept 2026
07 Aug 2026Dividend₹0.25 / share—07 Aug 2026
06 Feb 2026Dividend₹0.25 / share—06 Feb 2026
21 Nov 2025Dividend₹0.50 / share—21 Nov 2025
12 Sept 2025Dividend₹0.25 / share—12 Sept 2025
05 Feb 2025Dividend₹0.25 / share—05 Feb 2025
04 Nov 2024Dividend₹0.25 / share—04 Nov 2024
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)48.24%-9.36% latest vs average
Highest delivery77.60%on 14 Oct
Average volume (20D)203.2KTrading-session average
Conviction trendWeakening-9.36% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About MANBA FINANCE LIMITED
MANBA FINANCE LIMITED

Incorporated in 1996, Manba Finance Ltd provides finance for vehicles, used cars, small business loans and personal loans[1]

IndiaFinancial Services

Questions investors ask
Is MANBA FINANCE LIMITED Shariah compliant?

MANBA FINANCE LIMITED is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (212.53%) exceeds AAOIFI threshold (≤ 33%).

What is MANBA FINANCE LIMITED's current valuation relative to peers?

MANBA FINANCE LIMITED trades at a P/E of 15.0x compared to the sector median of 16.5x, and a Price-to-Book of 1.8x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 3.80x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.