Check Before You Invest : Manraj Housing Finance Ltd

Q: Which industry/sub-sector does Manraj Housing Finance Ltd belong to?

Manraj Housing Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q: Is Manraj Housing Finance Ltd a good quality company?

Manraj Housing Finance Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Manraj Housing Finance Ltd undervalued or overvalued?

Manraj Housing Finance Ltd appears Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: -, Historic Median: -. Price to Book, Current: -30.14, Historic Median: -34.80. Price to Sales, Current: -, Historic Median: -. EV to EBITDA, Current: -87.17, Historic Median: -170.54

Q: Is Manraj Housing Finance Ltd a good buy now?

Manraj Housing Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Operating Income growth is NA% for FY-2025, which is above its 5-year CAGR of -100%, indicating faster growth.

Q: Return on Assets of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Return on Asset is 1.7%, which is above its 5-year historical median of -0.6%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -, Historic Median: -2245. PPOP (%), Current: -587.5, Historic Median: -108.99. RoA (%), Current: 1.7, Historic Median: -0.6

Q: Return on Equity (ROE) of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Return on Equity is 0% for FY-2025, which is above its 5-year historical median of -81.8%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -587.5% for FY-2025, which is below its 5-year median(-108.99%), indicating decreasing margins.

Q: Net Profit Margin of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 0% for FY-2025, which is above its 5-year median( -2245%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Manraj Housing Finance Ltd return on invested capital (ROIC) is 1.75% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Manraj Housing Finance Ltd

BSE: 530537 NSE: ISIN: INE948I01015

| Sector: BFSI | Industry: Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does Manraj Housing Finance Ltd belong to?

Manraj Housing Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.2 Is Manraj Housing Finance Ltd a good quality company?

Manraj Housing Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Manraj Housing Finance Ltd undervalued or overvalued?

Manraj Housing Finance Ltd appears Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	-	-
Price to Book	-30.14	-34.80
Price to Sales	-	-
EV to EBITDA	-87.17	-170.54

Q.4 Is Manraj Housing Finance Ltd a good buy now?

Manraj Housing Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Operating Income growth is NA% for FY-2025, which is above its 5-year CAGR of -100%, indicating faster growth.

Q.2 Return on Assets of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Return on Asset is 1.7%, which is above its 5-year historical median of -0.6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-	-2245
PPOP (%)	-587.5	-108.99
RoA (%)	1.7	-0.6

Q.3 Return on Equity (ROE) of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Return on Equity is 0% for FY-2025, which is above its 5-year historical median of -81.8%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -587.5% for FY-2025, which is below its 5-year median(-108.99%), indicating decreasing margins.

Q.5 Net Profit Margin of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 0% for FY-2025, which is above its 5-year median( -2245%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Manraj Housing Finance Ltd return on invested capital (ROIC) is 1.75% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Manraj Housing Finance Ltd?

Manraj Housing Finance Ltd Total Asset growth is -0.15% for FY-2025, which is below its 5-year CAGR of 0.01%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Manraj Housing Finance Ltd?

Q.1 Promoter shareholding and pledge status of Manraj Housing Finance Ltd?

Promoters hold 62.83% of the Manraj Housing Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Manraj Housing Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Manraj Housing Finance Ltd vs Industry Peers?

Manraj Housing Finance Ltd AUM CAGR is 0.01%, compared to the 5-year industry median CAGR of 4.02%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Manraj Housing Finance Ltd vs industry peers

Manraj Housing Finance Ltd profit metrics are below the industry median level of 10.39%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	-	17.47
PPOP (%)	-587.5	11.85
RoA (%)	1.7	1.85

Q.3 Operating efficiency of Manraj Housing Finance Ltd vs industry peers?

Manraj Housing Finance Ltd ROCE (-0.6) is below the industry median of (8.9); while the current ROE (-81.8) are below than the 5-year average Industry ROE (12.3). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	-	17.47
PPOP (%)	-587.5	11.85
RoA (%)	1.7	1.85
ROCE (%)	1.8	8.9
ROE (%)	-	12.3

Valuation & price assessment

Q.1 Stock return of Manraj Housing Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 9.9% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	9.9%	21.9%	14.9%	-22.5%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	-	-	14.87
Price to Book	-30.14	-34.80	1.28
Price to Sales	-	-	3.57
EV to EBITDA	-87.17	-170.54	10.71

Q.3 Valuation ratios of Manraj Housing Finance Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of -30.14 is higher than its historical median of -34.80, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Manraj Housing Finance Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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