Mangal Credit & Fincorp
Mangal Credit & Fincorp Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Mangal Credit & Fincorp Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Mangal Credit & Fincorp Ltd trades at a P/E of 30.54× and P/B of 2.70×, against the Financial Services sector median P/E of 18.17×.
Valuation
Profitability
Growth
Financial Health
Mangal Credit & Fincorp Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Mangal Credit & Fincorp Ltd, switchable between annual and quarterly views, consolidated or standalone.
Mangal Credit & Fincorp Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹469.15 Cr and reported EPS of ₹7.24.
| Period | 2019 |
|---|---|
| Revenue from Operations | 8 |
| Other Income | 2 |
| Total Income | 10 |
| Gross Profit | 8 |
| +Operating Expenses | 2 |
| EBITDA | 7 |
| +Non-Operating Expenses | 1 |
| Profit Before Tax (PBT) | 8 |
| +Tax Expense | 2 |
| Profit After Tax (PAT) | 6 |
| Earnings Per Share (EPS) | 2.96 |
| Diluted Shares Outstanding (Nos.) | 2 |
| +Additional Disclosures | 3 |
| Employee Cost % | 10 |
| Other Cost % | 9 |
| OPM % | 81 |
| Tax % | 24 |
| Gross Margin % | 0.00 |
| EBITDA Margin % | 0.00 |
| Interest Coverage Ratio | 0.00 |
| Additional Fields | 7 |
Mangal Credit & Fincorp segment analysis: revenue and profit mix.
Disclosed business segments at Mangal Credit & Fincorp with their share of revenue and profit, switchable between consolidated and standalone reporting.
Mangal Credit & Fincorp discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Mangal Credit & Fincorp Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Mangal Credit & Fincorp Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Mangal Credit & Fincorp Ltd's investment case rests on 8 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
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.
With a debt-to-equity ratio of 0.62, the company maintains a manageable level of debt, suggesting a relatively healthy financial structure and lower risk compared to highly leveraged peers.
An impressive Operating Profit Margin (OPM) of 21.60% highlights the company's operational efficiency and strong ability to control costs relative to its revenue, contributing to overall profitability.
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.
What can break it.
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.
Quarterly sales have seen a sharp decline of 38.00%, raising concerns about revenue generation capabilities and market demand for its services in the short term.
A Return on Equity (ROE) of 7.68% is relatively low, suggesting that the company is not generating sufficient returns for its shareholders from the equity invested.
While current promoter holding is 55.25%, it has decreased from 63.41% in Sep 2022, which could signal a slight reduction in insider confidence over the longer term.
What would change my mind.
Trim if P/E re-rates above 40 (~2.2× the sector multiple of 18.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 192.60. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Mangal Credit & Fincorp Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Mangal Credit & Fincorp Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Mangal Credit & Fincorp Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Mangal Credit & Fincorp Ltd — derived from the live tape, not yesterday's close.
Mangal Credit & Fincorp Ltd last traded at ₹222.19 with an intraday range of ₹219.51–₹226.74 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹222.19| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 240.58 | +18.39 | +8.28% |
| R3 | 233.35 | +11.16 | +5.02% |
| R2 | 230.04 | +7.85 | +3.53% |
| R1 | 226.12 | +3.93 | +1.77% |
| PIVOT | 222.81 | 0.62 | 0.28% |
| CURRENT | 222.19 | — | — |
| S1 | 204.43 | -17.76 | -7.99% |
| S2 | 211.66 | -10.53 | -4.74% |
| S3 | 215.58 | -6.61 | -2.97% |
| S4 | 218.89 | -3.30 | -1.49% |
MANCREDIT is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: 224.4 ~ 226.74
Trading Inside opening range
Mangal Credit & Fincorp Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Mangal Credit & Fincorp Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Mangal Credit & Fincorp Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Mangal Credit & Fincorp Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Mangal Credit & Fincorp Ltd stood at 8.3% of traded volume, against a 20-day average of 23.5%.
Mangal Credit & Fincorp announcements: results, concalls, ratings, M&A.
Filings Mangal Credit & Fincorp sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Mangal Credit & Fincorp files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 47 documents below.
Copy of Newspaper Publication
Mangal Credit and Fincorp Limited has informed the Exchange about Copy of Newspaper Publication containing the extract of Audited Financial Results…
Addendum
Mangal Credit and Fincorp Limited has informed the Exchange about Addendum to Prior Intimation of the Board Meeting scheduled to be held on May 28,…
Updates
The Board of Directors of the Company may recommend the Final dividend at the ensuing Board Meeting'.
Outcome of Board Meeting
Outcome of Board Meeting held on May 07, 2026.
- 24 Apr 2026Granting/withdrawal/surrender/cancellation/suspension of key licenses/ regulatory approvalsView PDF
Granting/withdrawal/surrender/cancellation/suspension of key licenses/ regulatory approvals
Mangal Credit and Fincorp Limited has informed the Exchange about Registration of the Company to act as Corporate Agent (Composite) with IRDAI under…
Investor decks & rating reports.
Mangal Credit & Fincorp dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Mangal Credit & Fincorp has declared, sequenced by announce and record date.
Mangal Credit & Fincorp corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Mangal Credit & Fincorp Ltd: business, sector, key facts.
What Mangal Credit & Fincorp Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Mangal Credit & Fincorp Ltd operates in the Financial Services, listed as NSE: MANCREDIT, BSE: 505850.
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.
Questions investors ask about Mangal Credit & Fincorp Ltd (MANCREDIT).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Mangal Credit & Fincorp Ltd (MANCREDIT)?
The current share price of Mangal Credit & Fincorp Ltd (MANCREDIT) is ₹222.19. Today, the stock has declined by ₹1.87 (0.83%), trading in a range of ₹219.51 to ₹226.74. The stock opened at ₹226.3 with a trading volume of 1,97,567 shares.
02Is Mangal Credit & Fincorp Ltd stock a good investment for long-term?
Mangal Credit & Fincorp Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹469.15 crores, P/E ratio of 30.54, ROE of 9.77%, and ROCE of 11.40%. The dividend yield stands at 0.34%. 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.
03What is the 52-week high and low price of Mangal Credit & Fincorp Ltd stock?
The 52-week high price of Mangal Credit & Fincorp Ltd (MANCREDIT) is ₹231, while the 52-week low is ₹152.06. Currently trading at ₹222.19, the stock is 88.8% away from its 52-week low and 3.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Mangal Credit & Fincorp Ltd stock at the current price?
Whether to buy Mangal Credit & Fincorp Ltd stock at ₹222.19 depends on multiple factors. The stock is currently trading with a P/E ratio of 30.54 and P/B ratio of 2.70. Today's performance shows a loss of 0.83%. 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.
05What is the dividend yield of Mangal Credit & Fincorp Ltd and when is the next dividend?
Mangal Credit & Fincorp Ltd offers a dividend yield of 0.34%, which means for every ₹100 invested at the current price of ₹222.19, you can expect to receive approximately ₹0.34 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.
06What are the key financial ratios and metrics of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd's key financial metrics include: P/E Ratio: 30.54, P/B Ratio: 2.70, ROE: 9.77%, ROCE: 11.40%, Dividend Yield: 0.34%, EPS: ₹7.24, Book Value: ₹81.79, and Debt-to-Equity: 192.10. The company's market cap stands at ₹469.15 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Mangal Credit & Fincorp Ltd stock performing today in the market?
Mangal Credit & Fincorp Ltd stock opened at ₹226.3 and is currently trading at ₹222.19, showing a decline of ₹1.87 (0.83%). The intraday high is ₹226.74 and low is ₹219.51. The trading volume stands at 1,97,567 shares, indicating moderate market participation today.
08What is the P/E ratio of Mangal Credit & Fincorp Ltd and what does it indicate?
Mangal Credit & Fincorp Ltd has a Price-to-Earnings (P/E) ratio of 30.54, which means investors are willing to pay ₹30.54 for every ₹1 of earnings. With an EPS of ₹7.24, 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.
The data, ratios and commentary about Mangal Credit & Fincorp Ltd (MANCREDIT) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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