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Mangal Credit & Fincorp
Small Cap•124 Employees•IPO 1993
Current Price
₹170.45
1.9 (1.13%)Updated
Valuation vs Sector
P/E Ratio
-vs 20.04
P/B Ratio
-vs 2.26
Div Yield
0.04%vs 0.54%
Today's Range
₹165.75
₹171.99
₹170.45
52 Week Range
52W Low₹145.00
52W High₹215.75
₹170.45
Downside17.55%
Upside26.58%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹354.82 Cr
Market Cap
Total market value of companyP/E Ratio
29.35
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
2.41
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹5.96
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
3.76%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.40%
ROCE
Return on Capital Employed. >15% is goodNet Margin
21.46%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
3.37%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
41.10%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-38.00%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-71.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.42
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹71.92
Book Value
Net asset value per shareDividend Yield
0.04%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
55.20%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Promoter holding is a healthy 55.25% as of September 2025, indicating significant insider confidence and commitment to the company's long-term vision and stability. This level of ownership often aligns management interests with shareholder value creation.
- •The company demonstrates a strong Return on Capital Employed (ROCE) of 11.40%, which is competitive and even surpasses some industry peers, indicating efficient utilization of capital in generating profits.
Weaknesses
5 points- •The stock trades at a high P/E ratio of 56.50, significantly above the sector P/E of 39.34 and most peers, suggesting it might be overvalued or expectations for future growth are very high.
- •The company experienced a substantial decline in quarterly profit by 71.50%, indicating significant operational challenges or adverse market conditions impacting recent financial performance.
Opportunities
4 points- •As an NBFC in the Financial Services sector, the company can capitalize on the growing demand for credit and financial products, especially in underserved markets, driving future business expansion.
- •Given its relatively small market cap of 395 Cr compared to large peers, there's significant scope for market share expansion and diversification into new geographical areas or product offerings.
Threats
4 points- •The NBFC sector is highly competitive, with larger, well-established players like Bajaj Finance and Cholaman.Inv.&Fn posing significant threats to market share and pricing power.
- •Stricter regulations or changes in monetary policy by central banks could impact lending rates, capital adequacy requirements, and overall profitability for NBFCs.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹185.52 | +₹15.07 | +8.84% |
| R3 | ₹179.28 | +₹8.83 | +5.18% |
| R2 | ₹175.64 | +₹5.19 | +3.04% |
| R1 | ₹173.04 | +₹2.59 | +1.52% |
| PIVOT | ₹169.40 | -1.05 | -0.62% |
| CURRENT | ₹170.45 | - | - |
| S1 | ₹154.32 | -₹16.13 | -9.46% |
| S2 | ₹160.56 | -₹9.89 | -5.80% |
| S3 | ₹163.16 | -₹7.29 | -4.28% |
| S4 | ₹166.80 | -₹3.65 | -2.14% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+136.8% vs avg
1.28L
(02 Mar 2026)Delivery %+9.6% vs avg
41.9%
(02 Mar 2026)Avg Volume (20D)20-day average
0.54L
(03 Feb - 02 Mar)Avg Delivery %Trend ↑
32.3%
(03 Feb - 02 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Bajaj Finance Ltd
20.10 %
Highest Dividend Yield
Bajaj Finance Ltd
0.55 %
Peer Comparison
| Company Name |
|---|
 Akme Fintrade (India) Ltd |
 Bajaj Finance Ltd |
 Delphi World Money Ltd |
 Muthoot Capital Services Ltd |
 SRG Housing Finance Ltd |
About
Mangal Credit & Fincorp Ltd
Mangal Credit and Fincorp Limited (MANCREDIT) is a non-banking financial company (NBFC) based in Mumbai, India. Established in 1961 and formerly known as Tak Machinery & Leasing Limited, the company underwent a name change in June 2013 to reflect its expanded business focus.
MANCREDIT's core business revolves around providing a range of lending services primarily targeting the Indian market. Their offerings cater to diverse customer segments, encompassing small and medium-sized enterprises (SMEs), individuals, and those seeking secured loans.
A significant portion of MANCREDIT's lending portfolio consists of loans extended to SMEs, a crucial sector within the Indian economy. These loans likely play a vital role in supporting business growth and development within this segment. The specifics of loan amounts, terms, and conditions offered to SMEs are not detailed in the provided information.
Another key area of MANCREDIT's operations is personal lending. This involves providing unsecured loans to individuals for various personal needs, such as debt consolidation, home improvements, or other expenses. The eligibility criteria and interest rates for these personal loans are not specified.
In addition to unsecured personal loans, MANCREDIT also facilitates secured lending options. These include gold loans, where the borrower pledges gold as collateral, and loans against property, using real estate as security. These secured loans likely offer lower interest rates compared to unsecured loans due to the reduced risk for the lender.
Finally, MANCREDIT provides broader credit services beyond direct lending. While the exact nature of these services is not specified, they likely encompass activities such as credit risk assessment, loan processing, and potentially other related financial services that support their primary lending operations.
COMPANY FACTS - MANCREDIT
Registered Address
1701-1702 A Wing, Lotus Corporate Park, Ram Mandir Road, Off Western Highway, Goregaon (East)
Mumbai
MAHARASHTRA
IN
Tel: 912242461300
Website:https://www.mangalfincorp.com/
Investor Relations:https://www.mangalfincorp.com/investerZone.aspx
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 124
IPO Date: 13/07/1993
MANAGEMENT - MANCREDIT
Shri. Meghraj Jain
Executive Chairman of the Board, Managing Director
Mr. Nilesh Jain
Chief Financial Officer
Mr. Chirag Parmar
Compliance Officer, Company Secretary
Mr. Hardik Jain
Additional Director
Mr. Sujan Sinha
Non-Executive Non-Independent Director
Mr. Ramanathan Annamalai
Non-Executive Independent Director
Mr. Subramanyam Ganesh
Non-Executive Independent Director
Ms. Vineeta Patel
Additional Non-Executive Independent Director
Mr. Sriram Sankaranaryanan
Non-Executive Independent Director
Investor Questions Answered
Mangal Credit & Fincorp Ltd (MANCREDIT) Stock FAQs
Get answers to the most common questions about Mangal Credit & Fincorp Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Mangal Credit & Fincorp Ltd (MANCREDIT) is ₹170.45. Today, the stock has gained by ₹1.90 (1.13%), trading in a range of ₹165.75 to ₹171.99. The stock opened at ₹171.99 with a trading volume of 1,27,567 shares.
Mangal Credit & Fincorp Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹354.82 crores, P/E ratio of 29.35, ROE of 3.76%, and ROCE of 11.40%. The dividend yield stands at 0.04%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Mangal Credit & Fincorp Ltd (MANCREDIT) is ₹215.75, while the 52-week low is ₹145. Currently trading at ₹170.45, the stock is 36.0% away from its 52-week low and 21.0% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Mangal Credit & Fincorp Ltd stock at ₹170.45 depends on multiple factors. The stock is currently trading with a P/E ratio of 29.35 and P/B ratio of N/A. Today's performance shows a gain of 1.13%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Mangal Credit & Fincorp Ltd offers a dividend yield of 0.04%, which means for every ₹100 invested at the current price of ₹170.45, you can expect to receive approximately ₹0.04 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Mangal Credit & Fincorp Ltd's key financial metrics include: P/E Ratio: 29.35, P/B Ratio: N/A, ROE: 3.76%, ROCE: 11.40%, Dividend Yield: 0.04%, EPS: ₹5.96, Book Value: ₹71.92, Debt-to-Equity: 1.42, and Current Ratio: N/A. The company's market cap stands at ₹354.82 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Mangal Credit & Fincorp Ltd stock opened at ₹171.99 and is currently trading at ₹170.45, showing a gain of ₹1.90 (1.13%). The intraday high is ₹171.99 and low is ₹165.75. The trading volume stands at 1,27,567 shares, indicating moderate market participation today.
Mangal Credit & Fincorp Ltd has a Price-to-Earnings (P/E) ratio of 29.35, which means investors are willing to pay ₹29.35 for every ₹1 of earnings. With an EPS of ₹5.96, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Mangal Credit & Fincorp Ltd has a market capitalization of ₹354.82 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹170.45) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Mangal Credit & Fincorp Ltd has a book value of ₹71.92 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹170.45, which is 137.0% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Mangal Credit & Fincorp Ltd has a Return on Equity (ROE) of 3.76% and Return on Capital Employed (ROCE) of 11.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Mangal Credit & Fincorp Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Mangal Credit & Fincorp Ltd has a debt-to-equity ratio of 1.42, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Mangal Credit & Fincorp Ltd has an Earnings Per Share (EPS) of ₹5.96, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹170.45 and P/E ratio of 29.35, investors are paying 29.35 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Mangal Credit & Fincorp Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Mangal Credit & Fincorp Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Mangal Credit & Fincorp Ltd stock, consider: 1) Fundamental Analysis - Review P/E (29.35), ROE (3.76%), debt-to-equity (1.42), and growth rates. 2) Technical Analysis - Check 52-week range (₹145.00 - ₹215.75), moving averages, and chart patterns. 3) Valuation - Compare current price (₹170.45) with book value (₹71.92) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Mangal Credit & Fincorp Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹170.45 is 1604x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Mangal Credit & Fincorp Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹145.00 - ₹215.75). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.42 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,27,567 shares. 5) Valuation Risk - P/E of 29.35 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Mangal Credit & Fincorp Ltd operates in the industry with key metrics: P/E ratio of 29.35, ROE of 3.76%, market cap of ₹354.82 crores, and dividend yield of 0.04%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.42), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Mangal Credit & Fincorp Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹170.45, with a 52-week range of ₹145.00 to ₹215.75. Based on fundamentals like P/E (29.35), ROE (3.76%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Mangal Credit & Fincorp Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹170.45. 2) Fundamental Deterioration - Declining ROE (currently 3.76%), increasing debt (D/E: 1.42), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Mangal Credit & Fincorp Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.04%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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