| Management target | Revenue 37.5% FY27 |
|---|
| Margins | NIMs expected to stabilize at 13-14%; yield increasing with high-IRR products. |
|---|---|
| Demand visibility | Strong core vehicle finance demand; festive season expected to drive Q2/Q3. |
| Management confidence | High; confident in 35-40% growth targets. |
Growth
NII grew 36% YoY to INR 42 Cr. Disbursements rose 37% YoY to INR 226 Cr.
Outlook
Management guides for 35%-40% AUM growth in FY27, targeting 3.5% ROA and 13-14% NIMs.
Risks
Potential AUM seasonality in Q1; increasing cost of borrowing (up 15-20 bps); dependency on two-wheeler segment (84%).
Last quarter's promises, checked
Delivered
- Guided 25-30% AUM growth → delivered 29% (= BEAT)
- Targeted cost of borrowing reduction → delivered 10.64% from 10.80% (= BEAT)
- Launch MSME LAP product → delivered launched in Mumbai/Pune (= BEAT)
Partly delivered
- Targeted 2-Wheeler share reduction → delivered 84% from 84.5% (= PARTIAL)
Investor Presentation filed with BSE, NSE: MANBA. Summary written with AI assistance from the document.
Manba Finance Ltd: key numbers
- Share price
- ₹139.35
- Market cap
- ₹700.1 Cr
- Revenue (annual)
- ₹328.2 Cr
- Net profit (annual)
- ₹45.36 Cr
- P/E (TTM)
- 14.3×Sector 22.0×
- Promoter holding
- 74.98%+0.00% QoQ
- FII holding
- 0.92%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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