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Mangal Credit and Fincorp Limited MANCREDIT NSEFINANCIAL

Financial Services · Credit Services · India
https://mangalfincorp.com
Company Profile ↓
₹240.12
+22.62% 1Y
Mkt Cap₹506.99 Cr
P/E36.49
P/B2.94
Div. Yield0.32%
52W High₹245.33
52W Low₹157.48
Book Value₹81.79
EPS (TTM)₹6.58

Company Overview

Mangal Credit and Fincorp Limited operates as a non-banking financial company in India. The company offers small and medium enterprises, gold, and personal loans, as well as loan against property; and credit services. The company was formerly known as Tak Machinery & Leasing Limited and changed its name to Mangal Credit and Fincorp Limited in June 2013. Mangal Credit and Fincorp Limited was incorporated in 1961 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 24.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 49.7% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 21.9%.

Recent Developments

  • Mar 2026 Revenue of ₹69.90 Cr (+41.0% YoY); net profit ₹15.31 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +41.0%, earnings +17.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 49.7%, profit CAGR 24.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:49.71%
1 Year:41.00%

Compounded Profit Growth

5 Years:24.60%
1 Year:17.13%

Stock Price Performance

1 Year:+22.62%
6 Months:+44.90%
3 Months:+39.19%
1 Month:+7.17%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
₹157.48 ₹245.33
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.61 · Neutral
Price Performance
1M+7.17%
3M+39.19%
6M+44.90%
1Y+22.62%
Valuation vs Sector

P/E of 36.49 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.9%.
  • Compounding revenue at 49.7% over 5 years.
  • Profit CAGR of 24.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
36.49
Industry PE
19.81
Forward P/E est.
31.15
PEG Ratio
-
Book Value
₹81.79
Price to Book
2.94
P/S
7.27
EV/EBITDA
14.46
Dividend Yield
0.32%

Growth (CAGR)

Revenue 5Y
49.71%
Profit 5Y
24.60%
Revenue (YoY)
41.00%
Earnings (YoY)
17.13%

Profitability & Returns

ROCE
4.40%
ROE
8.86%
ROA
2.96%
Profit Margin
21.90%
Op Margin
32.07%
Gross Margin
41.32%
EPS (Latest Qtr)
₹2.59
EPS (TTM)
₹6.58

Balance Sheet & Liquidity

Debt/Equity
1.92
Quick Ratio
4.24
Current Ratio
64.70
Debt
₹331.75 Cr
Total Assets
₹516.88 Cr
Current Assets
₹476.76 Cr
Working Capital
₹469.39 Cr

Ownership

Promoter Holding
80.51%
Chg in Prom Hold
-1.18%
FII / Inst Holding
0.00%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
₹506.99 Cr
Total Revenue (TTM)
₹69.90 Cr
EBITDA
₹24.10 Cr
Free Cash Flow
₹-115.25 Cr
Operating Cash Flow
₹-114.15 Cr
Shares Outstanding
₹2.11 Cr
Gross Margin
41.32%
Payout Ratio
10.34%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MANCREDIT Mangal Credit and Fincorp Limited NSEFINANCIAL 240.12 36.49 ₹506.99 Cr 0.32% 4.40% 8.86% 49.71% 24.60%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Jun 2013Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 1.48 Cr24.22 Cr7.35 Cr14.25 Cr81.01 Cr12.34 Cr5.55 Cr8.84 Cr13.37 Cr14.47 Cr15.82 Cr18.31 Cr21.30 Cr
Cost of Revenue --------7.36 Cr8.53 Cr9.22 Cr10.87 Cr11.83 Cr
Gross Profit --------6.00 Cr5.94 Cr6.60 Cr7.44 Cr9.47 Cr
Operating Expenses 34.00 L19.11 Cr15.43 Cr3.80 Cr67.28 Cr8.45 Cr4.70 Cr4.00 Cr1.52 Cr1.45 Cr2.09 Cr1.92 Cr1.57 Cr
Operating Income --------4.49 Cr4.49 Cr4.50 Cr5.52 Cr7.90 Cr
EBITDA --------4.87 Cr4.80 Cr4.94 Cr5.98 Cr8.37 Cr
Interest Expense 83.00 L2.17 Cr2.42 Cr1.88 Cr3.82 Cr1.74 Cr1.65 Cr1.53 Cr-----
Pretax Income 29.00 L4.00 Cr-9.99 Cr8.33 Cr8.33 Cr1.54 Cr-1.32 Cr2.33 Cr3.82 Cr4.08 Cr4.13 Cr5.22 Cr7.43 Cr
Tax Provision 01.22 Cr-38.96 L39.98 L1.12 Cr52.01 L-59.99 L37.00 L1.20 Cr1.08 Cr1.14 Cr1.38 Cr1.95 Cr
Net Income 29.00 L2.78 Cr-10.39 Cr7.93 Cr7.22 Cr1.03 Cr-1.92 Cr1.96 Cr2.62 Cr3.00 Cr2.99 Cr3.83 Cr5.48 Cr
Diluted EPS 0.481.31-2.562.652.320.68-0.140.761.301.491.431.822.59

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 3.00 Cr4.00 Cr215.00 Cr240.00 Cr148.00 Cr81.00 Cr114.00 Cr104.00 Cr-20.83 Cr33.01 Cr49.58 Cr69.90 Cr
Cost of Revenue ---------6.66 Cr12.82 Cr25.43 Cr41.02 Cr
Gross Profit ---------14.17 Cr20.19 Cr24.14 Cr28.88 Cr
Operating Expenses 1.00 Cr2.00 Cr200.00 Cr213.00 Cr126.00 Cr60.00 Cr91.00 Cr79.00 Cr-2.86 Cr4.12 Cr4.88 Cr6.47 Cr
Operating Income ---------11.30 Cr16.07 Cr19.27 Cr22.41 Cr
EBITDA ---------11.66 Cr15.43 Cr20.50 Cr24.10 Cr
Interest Expense 01.00 Cr12.00 Cr19.00 Cr13.00 Cr7.00 Cr8.00 Cr9.00 Cr10.86 L35.05 L39.17 L56.30 L-
Pretax Income 1.00 Cr1.00 Cr4.00 Cr4.00 Cr3.00 Cr7.00 Cr12.00 Cr10.00 Cr-10.78 Cr14.32 Cr18.21 Cr20.85 Cr
Tax Provision 22.00 L20.00 L1.00 Cr1.32 Cr1.29 Cr2.59 Cr2.64 Cr2.80 Cr-2.86 Cr3.78 Cr5.14 Cr5.55 Cr
Net Income 1.00 Cr1.00 Cr3.00 Cr3.00 Cr2.00 Cr5.00 Cr9.00 Cr8.00 Cr-7.91 Cr10.55 Cr13.07 Cr15.31 Cr
Diluted EPS --4.823.270.882.514.353.713.154.105.456.58-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 16.00 Cr40.00 Cr303.00 Cr267.00 Cr199.00 Cr221.00 Cr229.00 Cr205.00 Cr178.00 Cr-203.07 Cr273.79 Cr349.40 Cr516.88 Cr
Current Assets ----------90.93 Cr162.54 Cr252.57 Cr476.76 Cr
Cash & Equivalents ----------11.31 Cr6.31 Cr11.84 Cr27.15 Cr
Inventory --------------
Receivables ----------0000
Total Liabilities ----------91.13 Cr146.44 Cr208.69 Cr344.19 Cr
Current Liabilities ----------53.33 Cr94.57 Cr142.61 Cr7.37 Cr
Long Term Debt ----------36.85 Cr51.06 Cr65.20 Cr328.88 Cr
Total Debt ----------87.30 Cr138.00 Cr200.49 Cr331.75 Cr
Total Equity 14.71 Cr15.70 Cr32.00 Cr33.00 Cr67.00 Cr72.00 Cr91.00 Cr93.00 Cr95.00 Cr-111.94 Cr127.35 Cr140.71 Cr172.70 Cr
Shares Outstanding ----------1.93 Cr1.96 Cr1.96 Cr2.11 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 03.00 Cr-125.00 Cr7.00 Cr44.00 Cr-7.00 Cr31.00 Cr1.00 Cr--46.11 Cr-53.98 Cr-49.36 Cr-114.15 Cr
Investing Cash Flow 0-0-36.00 Cr26.00 Cr-30.00 Cr-12.00 Cr-30.00 Cr-1.00 Cr--28.66 L-7.22 Cr-5.13 Cr-9.72 Cr
Financing Cash Flow 0-0180.00 Cr-27.00 Cr-17.00 Cr19.00 Cr1.00 Cr12.00 Cr-56.30 Cr56.20 Cr60.02 Cr139.18 Cr
Capital Expenditure -0-1.00 Cr0-7.00 Cr-9.00 Cr-14.00 Cr-9.00 Cr-9.00 Cr--29.96 L-41.63 L-80.82 L-1.10 Cr
Free Cash Flow -02.00 Cr-125.00 Cr035.00 Cr-21.00 Cr22.00 Cr-8.00 Cr--46.41 Cr-54.40 Cr-50.17 Cr-115.25 Cr
Net Change in Cash 02.00 Cr18.00 Cr5.00 Cr-4.00 Cr02.00 Cr12.00 Cr-9.90 Cr-5.00 Cr5.52 Cr15.31 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ---------68.0%61.2%48.7%41.3%
Operating Margin % ---------54.3%48.7%38.9%32.1%
Net Margin % 33.3%25.0%1.4%1.2%1.4%6.2%7.9%7.7%-38.0%31.9%26.4%21.9%
ROE % 6.8%6.4%9.4%9.1%3.0%6.9%9.9%8.6%-7.1%8.3%9.3%8.9%
ROCE % ---------7.5%9.0%9.3%4.4%

Shareholding Pattern

Insiders
80.51%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

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MANCREDIT — Frequently Asked Questions

What is the current share price of Mangal Credit and Fincorp Limited (MANCREDIT)?

As of 2026-07-15 09:52 IST, Mangal Credit and Fincorp Limited (MANCREDIT) trades at ₹240.12 on NSE. Its 52-week range is ₹157.48 to ₹245.33.

What is the market capitalisation of MANCREDIT?

Mangal Credit and Fincorp Limited (MANCREDIT) has a market capitalisation of ₹506.99 Cr on NSE.

What is the P/E ratio of MANCREDIT?

MANCREDIT trades at a trailing price-to-earnings (P/E) ratio of 36.49. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.94.

Does MANCREDIT pay a dividend?

Mangal Credit and Fincorp Limited (MANCREDIT) currently offers a dividend yield of 0.32%.

What is the return on equity (ROE) of MANCREDIT?

MANCREDIT has a return on equity (ROE) of 8.86%. Its return on capital employed (ROCE) is 4.40%.

Is MANCREDIT a good stock to buy?

This page provides a data-driven analysis of Mangal Credit and Fincorp Limited (MANCREDIT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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