Company Details

home / MANIPAL HOUSING FINANCE SYNDICATE LIMITED

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

www.manipalhousing.com
Sector: Banks/NBFC/Payments

CHRYSEUM SCORE: 5.50/10.00
×
MANIPAL HOUSING FINANCE SYNDICATE LIMITED

Sector: Banks/NBFC/Payments

CHRYSEUM SCORE: 5.50/10.00

Description: Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company
Evaluation is basis the latest financial year disclosures filed by the company

Valuation

Max Score: 3.50

P/B of Company

0.92

Avg P/B of Key Peers

0.59

P/B of Industry

2.19

Valuation Score

1.50

The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

Growth

Max Score: 3.50

Sales Growth

4.22%

PAT Growth

6.68%

BVPS Growth

10.95%

Growth Score

1.00

The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

Key Metrics

Max Score: 1.50

ROA

2.00

Net NPA

3.00

Capital Adequacy

3.00

Key Metrics Score

1.50

The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

Management Quality

Max Score: 1.50

Board Structure & Composition

1.00

Related Party Transactions

1.00

Timely Disclosure

1.00

Management Score

1.50

This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹69.00 0.00 (0.00%)

As on 15 Sep, 2026

L 69.00 52 Week Range H 177.00

Company Description : Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company. It is jointly promoted by the Manipal Group and Syndicate Bank.

Company Overview

Name of Company MANIPAL HOUSING FINANCE SYNDICATE LIMITED
Sector Banks/NBFC/Payments
ISIN INE03Y801013
Scrip Code MANIPAL HOUSING
CIN U65922KA1986PLC007396
Pan No AABCM1714D
Face Value 10
Price ₹ 69.00
No. of Shares outstanding 0.85 Cr.
Market Cap ₹ 58.69 Cr

Financials

Revenue from operations ₹ 74.44 Cr.
EBITDA ₹ 59.88 Cr.
EBITDA Margin % 80.44%
Profit After Tax ₹ 14.09 Cr.
PAT Margin % 18.23%
EPS 16.57
Stock P/E 4.16
Book Value Per Share 164.04
P/B 0.42
Debt/Equity 3.12

Other Key Statistics

52 week High/Low 177.00/69.00
Dividend Per Share 0.65
Dividend Yield 0.94%
Sales Growth - 3 years 10.23%
EBITDA Growth - 3 years 10.73%
PAT Growth - 3 years 9.23%
EPS Growth - 3 years 9.24%
ROE 10.10%
ROCE 12.60%
Cash Equivalents 8.82

All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY26
Company Name	Manipal Housing Finance Syndicate Ltd	GIC Housing Finance Ltd	Repco Home Finance Ltd
Listing Status	Unlisted	Listed	Listed
Revenue from Operations	74.44	1,082.23	1,685.16
Total Income	77.30	1,083.29	1,720.76
Finance Cost	40.73	686.99	965.86
Depreciation & Amortization	0.37	10.98	28.64
Total Expenses	58.52	924.08	1,137.06
EBITDA	59.88	857.18	1,578.20
PAT	14.09	154.82	435.65
No. of Shares Outstanding	0.85	5.39	6.26
EPS (in ₹)	16.57	28.75	69.64
Share Capital	9.78	53.88	62.56
Total Net Worth	139.52	2,106.40	3,427.04
Total Assets	601.87	11,298.98	14,715.73
Borrowings	435.07	7,115.14	11,139.09
Key Metrics:
CMP*	69.00	134.90	348.75
Market Cap (In Cr.)	58.69	727.11	2,183.18
Market Cap/Sales	0.76	0.67	1.27
EPS (Earnings Per Share)	16.57	28.75	69.64
BVPS (Book Value Per Share)	164.04	391.15	547.79
P/E	4.16	4.69	5.01
P/BV	0.42	0.34	0.64
EBITDA Margin	80.43%	79.20%	93.65%
ROE	10.10%	7.35%	12.71%
ROA	2.34%	1.37%	2.96%
Gross NPA	1.68%	3.96%	3.30%
Net NPA	0.00%	1.61%	1.32%
Capital Adequacy	37.96%	33.94%	33.97%

*Market Price in ₹ as on 15 Sep, 2026

Profit Loss

	FY26	FY25	FY24	FY23	FY22
Revenue from operations	74.44	62.61	54.90	55.58	55.31
Y-o-Y Revenue Growth	18.90%	14.04%	-1.22%	0.49%	-4.23%
Other Income	2.85	2.09	3.72	1.78	1.01
Total Income	77.30	64.70	58.62	57.36	56.32
Total Expenses (Excludes Interest and Depreciation)	17.42	10.97	9.62	13.25	12.25
Operating Profit (After deducting Depreciation)	56.65	51.34	44.63	41.98	42.68
OPM %	76.10	82.00	81.29	75.53	77.17
EBITDA	59.88	53.73	49.00	44.11	44.07
Depreciation	0.37	0.30	0.65	0.35	0.38
EBIT	59.50	53.43	48.35	43.76	43.69
Interest	40.73	36.85	32.84	29.30	29.97
EBT before Exceptional Items	18.78	16.58	15.51	14.46	13.72
Prior period/Exceptional /Extra Ordinary Items	0.00	0.00	0.00	0.00	0.00
Profit before tax/EBT	18.78	16.58	15.51	14.46	13.72
Tax	4.69	4.21	3.97	3.65	3.53
Net Profit	14.09	12.37	11.54	10.81	10.19
EPS in Rs	16.57	14.54	13.57	12.71	11.98
EPS Change %	13.90%	7.19%	6.75%	6.09%	6.39%
EBITDA Change %	11.44%	9.65%	11.09%	0.09%	-7.44%
Profit growth	13.90%	7.19%	6.75%	6.08%	5.49%
ROCE	12.60%	11.91%	11.80%	11.53%	11.38%
ROE	10.10%	9.81%	10.09%	10.45%	10.93%
Debt / Equity Ratio	3.12	3.24	3.23	3.50	3.77
Sales growth 3Years	10.23%
Sales growth 5Years	5.21%
Dividend per share	0.65

Balance Sheet

	FY26	FY25	FY24	FY23	FY22
Share Capital	9.78	9.77	9.78	9.78	9.78
Reserves	129.74	116.29	104.56	93.66	83.49
Total shareholders' funds	139.52	126.06	114.34	103.44	93.27
Borrowings	435.07	408.95	369.16	362.20	351.99
Other Liabilities	4.73	2.63	2.00	4.91	4.55
Total Liabilities	462.35	434.74	391.60	383.96	371.63
Fixed Assets	10.35	10.32	10.30	10.55	10.83
Capital WIP	0.00	0.00	0.00	0.00	0.00
Investments	12.15	10.87	9.71	6.15	5.30
Other Assets	1.92	1.96	1.39	6.43	1.61
Total Assets	601.87	560.81	505.94	487.39	464.89
Cash Equivalents	8.82	6.42	6.75	3.26	9.05
Total Current liability	129.53	112.04	96.09	107.94	80.84
Total Assets -Total Current liabilty	472.34	448.77	409.85	379.45	384.05

Cash Flow

	FY26	FY25	FY24	FY23	FY22
Net Cash from / (used in) Operating Activity	-22.40	-39.64	-4.23	-10.14	36.81
Net Cash from / (used in) Investing Activity	-0.36	-0.21	-2.78	-0.26	-2.14
Net Cash from / (used in) Financing Activity	25.18	39.48	6.34	9.25	-36.35
Net Inc/Dec In Cash And Cash Equivalents	2.42	-0.37	-0.67	-1.15	-1.68

Share Holding Pattern

	No. of Shares in Crs.	% Holding
Promoters	0.64	74.97%
Non Promoters	0.21	25.03%

News

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

www.manipalhousing.com
Sector: Banks/NBFC/Payments

CHRYSEUM SCORE: 5.50/10.00
×
MANIPAL HOUSING FINANCE SYNDICATE LIMITED

Sector: Banks/NBFC/Payments

CHRYSEUM SCORE: 5.50/10.00

Description: Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company
Evaluation is basis the latest financial year disclosures filed by the company

Valuation

Max Score: 3.50

P/B of Company

0.92

Avg P/B of Key Peers

0.59

P/B of Industry

2.19

Valuation Score

1.50

The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

Growth

Max Score: 3.50

Sales Growth

4.22%

PAT Growth

6.68%

BVPS Growth

10.95%

Growth Score

1.00

The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

Key Metrics

Max Score: 1.50

ROA

2.00

Net NPA

3.00

Capital Adequacy

3.00

Key Metrics Score

1.50

The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

Management Quality

Max Score: 1.50

Board Structure & Composition

1.00

Related Party Transactions

1.00

Timely Disclosure

1.00

Management Score

1.50

This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹69.00 0.00 (0.00%)

As on 15 Sep, 2026

L 69.00 52 Week Range H 177.00

Company Description : Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company. It is jointly promoted by the Manipal Group and Syndicate Bank.

Company Overview

Name of Company MANIPAL HOUSING FINANCE SYNDICATE LIMITED
Sector Banks/NBFC/Payments
ISIN INE03Y801013
Scrip Code MANIPAL HOUSING
CIN U65922KA1986PLC007396
Pan No AABCM1714D
Face Value 10
Price ₹ 69.00
No. of Shares outstanding 0.85 Cr.
Market Cap ₹ 58.69 Cr

Financials

Revenue from operations ₹ 74.44 Cr.
EBITDA ₹ 59.88 Cr.
EBITDA Margin % 80.44%
Profit After Tax ₹ 14.09 Cr.
PAT Margin % 18.23%
EPS 16.57
Stock P/E 4.16
Book Value Per Share 164.04
P/B 0.42
Debt/Equity 3.12

Other Key Statistics

52 week High/Low 177.00/69.00
Dividend Per Share 0.65
Dividend Yield 0.94%
Sales Growth - 3 years 10.23%
EBITDA Growth - 3 years 10.73%
PAT Growth - 3 years 9.23%
EPS Growth - 3 years 9.24%
ROE 10.10%
ROCE 12.60%
Cash Equivalents 8.82

All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY26
Company Name	Manipal Housing Finance Syndicate Ltd	GIC Housing Finance Ltd	Repco Home Finance Ltd
Listing Status	Unlisted	Listed	Listed
Revenue from Operations	74.44	1,082.23	1,685.16
Total Income	77.30	1,083.29	1,720.76
Finance Cost	40.73	686.99	965.86
Depreciation & Amortization	0.37	10.98	28.64
Total Expenses	58.52	924.08	1,137.06
EBITDA	59.88	857.18	1,578.20
PAT	14.09	154.82	435.65
No. of Shares Outstanding	0.85	5.39	6.26
EPS (in ₹)	16.57	28.75	69.64
Share Capital	9.78	53.88	62.56
Total Net Worth	139.52	2,106.40	3,427.04
Total Assets	601.87	11,298.98	14,715.73
Borrowings	435.07	7,115.14	11,139.09
Key Metrics:
CMP*	69.00	134.90	348.75
Market Cap (In Cr.)	58.69	727.11	2,183.18
Market Cap/Sales	0.76	0.67	1.27
EPS (Earnings Per Share)	16.57	28.75	69.64
BVPS (Book Value Per Share)	164.04	391.15	547.79
P/E	4.16	4.69	5.01
P/BV	0.42	0.34	0.64
EBITDA Margin	80.43%	79.20%	93.65%
ROE	10.10%	7.35%	12.71%
ROA	2.34%	1.37%	2.96%
Gross NPA	1.68%	3.96%	3.30%
Net NPA	0.00%	1.61%	1.32%
Capital Adequacy	37.96%	33.94%	33.97%

*Market Price in ₹ as on 15 Sep, 2026

Profit Loss

	FY26	FY25	FY24	FY23	FY22
Revenue from operations	74.44	62.61	54.90	55.58	55.31
Y-o-Y Revenue Growth	18.90%	14.04%	-1.22%	0.49%	-4.23%
Other Income	2.85	2.09	3.72	1.78	1.01
Total Income	77.30	64.70	58.62	57.36	56.32
Total Expenses (Excludes Interest and Depreciation)	17.42	10.97	9.62	13.25	12.25
Operating Profit (After deducting Depreciation)	56.65	51.34	44.63	41.98	42.68
OPM %	76.10	82.00	81.29	75.53	77.17
EBITDA	59.88	53.73	49.00	44.11	44.07
Depreciation	0.37	0.30	0.65	0.35	0.38
EBIT	59.50	53.43	48.35	43.76	43.69
Interest	40.73	36.85	32.84	29.30	29.97
EBT before Exceptional Items	18.78	16.58	15.51	14.46	13.72
Prior period/Exceptional /Extra Ordinary Items	0.00	0.00	0.00	0.00	0.00
Profit before tax/EBT	18.78	16.58	15.51	14.46	13.72
Tax	4.69	4.21	3.97	3.65	3.53
Net Profit	14.09	12.37	11.54	10.81	10.19
EPS in Rs	16.57	14.54	13.57	12.71	11.98
EPS Change %	13.90%	7.19%	6.75%	6.09%	6.39%
EBITDA Change %	11.44%	9.65%	11.09%	0.09%	-7.44%
Profit growth	13.90%	7.19%	6.75%	6.08%	5.49%
ROCE	12.60%	11.91%	11.80%	11.53%	11.38%
ROE	10.10%	9.81%	10.09%	10.45%	10.93%
Debt / Equity Ratio	3.12	3.24	3.23	3.50	3.77
Sales growth 3Years	10.23%
Sales growth 5Years	5.21%
Dividend per share	0.65

Balance Sheet

	FY26	FY25	FY24	FY23	FY22
Share Capital	9.78	9.77	9.78	9.78	9.78
Reserves	129.74	116.29	104.56	93.66	83.49
Total shareholders' funds	139.52	126.06	114.34	103.44	93.27
Borrowings	435.07	408.95	369.16	362.20	351.99
Other Liabilities	4.73	2.63	2.00	4.91	4.55
Total Liabilities	462.35	434.74	391.60	383.96	371.63
Fixed Assets	10.35	10.32	10.30	10.55	10.83
Capital WIP	0.00	0.00	0.00	0.00	0.00
Investments	12.15	10.87	9.71	6.15	5.30
Other Assets	1.92	1.96	1.39	6.43	1.61
Total Assets	601.87	560.81	505.94	487.39	464.89
Cash Equivalents	8.82	6.42	6.75	3.26	9.05
Total Current liability	129.53	112.04	96.09	107.94	80.84
Total Assets -Total Current liabilty	472.34	448.77	409.85	379.45	384.05

Cash Flow

	FY26	FY25	FY24	FY23	FY22
Net Cash from / (used in) Operating Activity	-22.40	-39.64	-4.23	-10.14	36.81
Net Cash from / (used in) Investing Activity	-0.36	-0.21	-2.78	-0.26	-2.14
Net Cash from / (used in) Financing Activity	25.18	39.48	6.34	9.25	-36.35
Net Inc/Dec In Cash And Cash Equivalents	2.42	-0.37	-0.67	-1.15	-1.68

Share Holding Pattern

	No. of Shares in Crs.	% Holding
Promoters	0.64	74.97%
Non Promoters	0.21	25.03%

News

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Company Details

home / MANIPAL HOUSING FINANCE SYNDICATE LIMITED

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

Evaluation is basis the latest financial year disclosures filed by the company

Valuation

Max Score: 3.50

P/B of Company

Avg P/B of Key Peers

P/B of Industry

Valuation Score

Growth

Max Score: 3.50

Sales Growth

PAT Growth

BVPS Growth

Growth Score

Key Metrics

Max Score: 1.50

ROA

Net NPA

Capital Adequacy

Key Metrics Score

Management Quality

Max Score: 1.50

Board Structure & Composition

Related Party Transactions

Timely Disclosure

Management Score

₹69.00 0.00 (0.00%)

As on 15 Sep, 2026

Company Description : Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company. It is jointly promoted by the Manipal Group and Syndicate Bank.

Peer Comparison

Profit Loss

Balance Sheet

Cash Flow

Share Holding Pattern

News

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

MANIPAL HOUSING FINANCE SYNDICATE LIMITED

Evaluation is basis the latest financial year disclosures filed by the company

Valuation

Max Score: 3.50

P/B of Company

Avg P/B of Key Peers

P/B of Industry

Valuation Score

Growth

Max Score: 3.50

Sales Growth

PAT Growth

BVPS Growth

Growth Score

Key Metrics

Max Score: 1.50

ROA

Net NPA

Capital Adequacy

Key Metrics Score

Management Quality

Max Score: 1.50

Board Structure & Composition

Related Party Transactions

Timely Disclosure

Management Score

₹69.00 0.00 (0.00%)

As on 15 Sep, 2026

Company Description : Manipal Housing Finance (MHFSL) is a NHB registered Housing Finance Company. It is jointly promoted by the Manipal Group and Syndicate Bank.

Peer Comparison

Profit Loss

Balance Sheet

Cash Flow

Share Holding Pattern

News