ALFA Finder| Revenue growth | Total Income grew 34.2% YoY in Q1-FY27. |
|---|---|
| Margins | NIM at 12.13% for Q1-FY27; Cost of Borrowings 10.86%. |
| Demand visibility | Strong demand in core vehicle finance and EV segments. |
| Management confidence | High; expanding into new geographies and product verticals. |
Growth
Q1-FY27 Total AUM grew 22.3% YoY to INR 17,308 Mn; NII rose 35.9% to INR 416 Mn.
Outlook
Expanding into Karnataka and Tamil Nadu; scaling MSME LAP and used car financing to diversify the book.
Risks
Gross NPA at 3.41%; reliance on 2-wheeler segment (84.1% of AUM) remains high despite diversification.
Last quarter's promises, checked
Delivered
- Guided 25-30% AUM growth → delivered 22.3% (= MISS)
- Guided focus on UP/MP expansion → delivered strengthened portfolio in these states (= BEAT)
- Guided launching MSME LAP → delivered launched in Mumbai and Pune (= BEAT)
Partly delivered
- Guided Karnataka expansion in Q2 → delivered South India operations launch (= BEAT)
- Guided reducing 2W dependency to 65% in 3 years → delivered 84.1% (= PARTIAL)
Missed
- Guided average cost of borrowing < 10.50% → delivered 10.86% (= MISS)
Investor Presentation filed with NSE, NSE: MANBA. Summary written with AI assistance from the document.
Manba Finance Ltd: key numbers
- Share price
- ₹145.99
- Market cap
- ₹795.6 Cr
- Revenue (annual)
- ₹328.2 Cr
- Net profit (annual)
- ₹45.36 Cr
- P/E (TTM)
- 15.5×Sector 20.8×
- Promoter holding
- 74.98%+0.00% QoQ
- FII holding
- 1.07%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Manba Finance Ltd
All →Manba Finance Convertible Warrants
Promoter Manba Investments acquired 22,22,223 preferential convertible warrants in Manba Finance. Its fully diluted stake rises from 27.68% to 27.98%.
Manba Finance Preferential Issue
Manba Finance allotted equity shares and convertible warrants under a preferential issue at ₹135 per security. The equity subscription outcome totals ₹57.50 Crore from 13 investors.
- Value
- ₹57.50 Cr
Manba Finance Preferential Issue
Manba Finance allotted 42.59 lakh equity shares and 24.07 lakh warrants on a preferential basis. Aggregate issue consideration is ₹90.00 Crore, with promoters receiving warrants.
- Value
- ₹90.00 Cr
Manba Finance Earnings Call Transcript: Key Takeaways
Solid growth in AUM and profitability driven by two-wheeler demand and geographical expansion.
- Call
- Guides 35% growth
Manba Finance Investor Presentation: Key Takeaways
H1 FY27: AUM INR 18,108 Mn (+20.7% YoY), NII INR 938 Mn (+37.5%), PAT INR 270 Mn (+27.7%). Q2 PAT INR 137 Mn (+20.2% YoY). Credit rating upgraded to A-.
Manba Finance Management Change
Manba Finance appointed Mrs. Neelam Tater as Non-Executive Independent Director. Mr. Parameshwaran relinquished his Chairperson role while continuing as Independent Director.