Mangal Credit and Fincorp Limited MANCREDIT NSEFINANCIAL
Financial Services · Credit Services · India
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.
READ MORE ›₹200.39
+2.90% 1Y
Market & Price
Market Cap
₹423.10 Cr
Current Price
₹200.39
High / Low (52W)
₹210.05 / ₹157.48
Beta
-
Valuation
Stock P/E
33.45
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹81.65
Price to Book
2.45
P/S
6.05
EV/EBITDA
12.54
Dividend Yield
0.37%
Profitability & Returns
ROCE
9.08%
ROE
9.77%
ROA
7.85%
Profit Margin
21.88%
Op Margin
81.40%
EPS (Latest Qtr)
₹1.82
EPS (TTM)
₹5.99
Balance Sheet & Liquidity
Debt/Equity
1.92
Quick Ratio
7.14
Current Ratio
64.70
Debt
₹331.75 Cr
Total Assets
₹349.40 Cr
Current Assets
₹252.57 Cr
Working Capital
₹109.96 Cr
Ownership
Promoter Holding
81.69%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹703.24 Cr
Total Revenue (TTM)
₹69.97 Cr
EBITDA
₹56.08 Cr
Free Cash Flow
₹-103.23 Cr
Operating Cash Flow
₹-114.15 Cr
Shares Outstanding
₹2.11 Cr
Gross Margin
100.00%
Payout Ratio
12.50%
Growth (CAGR)
Revenue 5Y
52.61%
Profit 5Y
29.04%
Revenue (YoY)
59.50%
Earnings (YoY)
99.10%
PROS
- Excellent profit margin of 21.9%.
- Compounding revenue at 52.6% over 5 years.
- Profit CAGR of 29.0% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
- RSI at 82 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | MANCREDIT Mangal Credit and Fincorp Limited NSEFINANCIAL | 200.39 | 33.45 | ₹423.10 Cr | 0.37% | 9.08% | 9.77% | 52.61% | 29.04% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Ad space
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | - | 12.68 Cr | 12.29 Cr | 14.47 Cr | 15.82 Cr | 18.31 Cr |
| Cost of Revenue | - | 6.52 Cr | 4.65 Cr | 8.53 Cr | 9.22 Cr | 10.87 Cr |
| Gross Profit | - | 6.16 Cr | 7.64 Cr | 5.94 Cr | 6.60 Cr | 7.44 Cr |
| Operating Expenses | - | 1.18 Cr | 2.96 Cr | 1.45 Cr | 2.09 Cr | 1.92 Cr |
| Operating Income | - | 4.98 Cr | 4.68 Cr | 4.49 Cr | 4.50 Cr | 5.52 Cr |
| EBITDA | - | 5.30 Cr | 4.37 Cr | 4.80 Cr | 4.94 Cr | 5.98 Cr |
| Interest Expense | - | - | - | - | - | - |
| Pretax Income | - | 4.74 Cr | 3.82 Cr | 4.08 Cr | 4.13 Cr | 5.22 Cr |
| Tax Provision | - | 1.26 Cr | 1.20 Cr | 1.08 Cr | 1.14 Cr | 1.38 Cr |
| Net Income | - | 3.48 Cr | 2.62 Cr | 3.00 Cr | 2.99 Cr | 3.83 Cr |
| Diluted EPS | 1.63 | 1.75 | - | 1.49 | 1.43 | 1.82 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 13.65 Cr | 20.83 Cr | 33.01 Cr | 48.50 Cr |
| Cost of Revenue | 3.21 Cr | 6.66 Cr | 12.82 Cr | 22.73 Cr |
| Gross Profit | 10.44 Cr | 14.17 Cr | 20.19 Cr | 25.78 Cr |
| Operating Expenses | 1.64 Cr | 2.86 Cr | 4.12 Cr | 6.32 Cr |
| Operating Income | 8.80 Cr | 11.30 Cr | 16.07 Cr | 19.46 Cr |
| EBITDA | 9.19 Cr | 11.66 Cr | 15.43 Cr | 20.00 Cr |
| Interest Expense | 10.86 L | 35.05 L | 39.17 L | 56.30 L |
| Pretax Income | 8.68 Cr | 10.78 Cr | 14.32 Cr | 18.21 Cr |
| Tax Provision | 2.60 Cr | 2.86 Cr | 3.78 Cr | 5.14 Cr |
| Net Income | 6.08 Cr | 7.91 Cr | 10.55 Cr | 13.07 Cr |
| Diluted EPS | 3.15 | 4.10 | 5.45 | 6.58 |
Compounded Sales Growth
| 5 Years: | 52.61% |
| 1 Year: | 59.50% |
Compounded Profit Growth
| 5 Years: | 29.04% |
| 1 Year: | 99.10% |
Stock Price Performance
| 1 Year: | +2.90% |
| 6 Months: | +15.45% |
| 3 Months: | +12.95% |
| 1 Month: | +14.25% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 137.74 Cr | 203.07 Cr | 273.79 Cr | 349.40 Cr |
| Current Assets | 36.61 Cr | 90.93 Cr | 162.54 Cr | 252.57 Cr |
| Cash & Equivalents | 1.41 Cr | 11.31 Cr | 6.31 Cr | 11.84 Cr |
| Inventory | - | - | - | - |
| Receivables | 0 | 0 | 0 | 0 |
| Total Liabilities | 31.81 Cr | 91.13 Cr | 146.44 Cr | 208.69 Cr |
| Current Liabilities | 23.26 Cr | 53.33 Cr | 94.57 Cr | 142.61 Cr |
| Long Term Debt | 7.75 Cr | 36.85 Cr | 51.06 Cr | 65.20 Cr |
| Total Debt | 29.33 Cr | 87.30 Cr | 138.00 Cr | 200.49 Cr |
| Total Equity | 105.92 Cr | 111.94 Cr | 127.35 Cr | 140.71 Cr |
| Shares Outstanding | 1.93 Cr | 1.93 Cr | 1.96 Cr | 1.96 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | -10.75 Cr | -46.11 Cr | -53.98 Cr | -49.36 Cr |
| Investing Cash Flow | -16.22 L | -28.66 L | -7.22 Cr | -5.13 Cr |
| Financing Cash Flow | 11.92 Cr | 56.30 Cr | 56.20 Cr | 60.02 Cr |
| Capital Expenditure | -9.42 L | -29.96 L | -41.63 L | -80.82 L |
| Free Cash Flow | -10.84 Cr | -46.41 Cr | -54.40 Cr | -50.17 Cr |
| Net Change in Cash | 1.01 Cr | 9.90 Cr | -5.00 Cr | 5.52 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | 76.5% | 68.0% | 61.2% | 53.1% |
| Operating Margin % | 64.5% | 54.3% | 48.7% | 40.1% |
| Net Margin % | 44.6% | 38.0% | 31.9% | 26.9% |
| ROE % | 5.7% | 7.1% | 8.3% | 9.3% |
| ROCE % | 7.7% | 7.5% | 9.0% | 9.4% |
Shareholding Pattern
Insiders
81.69%
Institutions
0.00%
Public Float
0.00%
Analyst View
Loading analyst coverage…
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for MANCREDIT
No recent headlines available.