Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.60 | 8.68 | 9.43 | 11.87 | 11.66 | 12.68 | 13.37 | 14.47 | 15.82 | 18.31 | 21.30 | 22.16 |
| Interest | 2.22 | 2.34 | 2.75 | 3.88 | 4.39 | 4.76 | 5.37 | 6.42 | 6.95 | 8.55 | 9.44 | 10.02 |
| Expenses | 1.65 | 2.25 | 2.97 | 2.42 | 2.66 | 2.86 | 3.47 | 3.65 | 4.33 | 4.12 | 3.97 | 3.98 |
| Financing Profit | 3.73 | 4.09 | 3.71 | 5.57 | 4.61 | 5.06 | 4.53 | 4.40 | 4.54 | 5.64 | 7.89 | 8.16 |
| Financing Margin % | 49.08% | 47.12% | 39.34% | 46.93% | 39.54% | 39.91% | 33.88% | 30.41% | 28.70% | 30.80% | 37.04% | 36.82% |
| Other Income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.33 | 0.00 | 0.03 | 0.03 | 0.01 | 0.00 |
| Depreciation | 0.17 | 0.18 | 0.21 | 0.25 | 0.28 | 0.32 | 0.38 | 0.31 | 0.44 | 0.46 | 0.47 | 0.49 |
| Profit before tax | 3.57 | 3.91 | 3.50 | 5.32 | 4.33 | 4.74 | 3.82 | 4.09 | 4.13 | 5.21 | 7.43 | 7.67 |
| Tax % | 26.33% | 26.85% | 26.00% | 29.51% | 25.40% | 26.58% | 31.41% | 26.41% | 27.60% | 26.68% | 26.24% | 25.81% |
| Net Profit | 2.63 | 2.86 | 2.59 | 3.75 | 3.22 | 3.48 | 2.62 | 3.00 | 2.98 | 3.83 | 5.48 | 5.69 |
| EPS in Rs | 1.36 | 1.48 | 1.32 | 1.92 | 1.65 | 1.78 | 1.34 | 1.53 | 1.41 | 1.81 | 2.60 | 2.69 |
| Gross NPA % | 1.27% | 1.31% | ||||||||||
| Net NPA % | 0.69% | 0.75% |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 | 9 | 10 | 10 | 16 | 11 | 15 | 21 | 33 | 50 | 70 | 78 |
| Interest | 4 | 1 | 2 | 1 | 0 | 1 | 2 | 5 | 10 | 18 | 32 | 35 |
| Expenses | 4 | 3 | 1 | 2 | 2 | 2 | 4 | 6 | 9 | 11 | 16 | 16 |
| Financing Profit | -1 | 4 | 6 | 8 | 14 | 8 | 9 | 11 | 15 | 20 | 22 | 26 |
| Financing Margin % | -9% | 51% | 66% | 76% | 84% | 74% | 61% | 53% | 45% | 40% | 32% | 34% |
| Other Income | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Depreciation | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 1 | 4 | 6 | 8 | 14 | 8 | 9 | 11 | 14 | 18 | 21 | 24 |
| Tax % | 19% | 34% | 27% | 24% | 21% | 30% | 30% | 27% | 26% | 28% | 27% | |
| Net Profit | 1 | 3 | 5 | 6 | 11 | 6 | 6 | 8 | 11 | 13 | 15 | 18 |
| EPS in Rs | 0.69 | 1.69 | 2.37 | 3.11 | 5.57 | 2.96 | 3.15 | 4.10 | 5.39 | 6.68 | 7.25 | 8.51 |
| Dividend Payout % | 0% | 15% | 21% | 16% | 9% | 17% | 16% | 12% | 11% | 11% | 10% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 24% | 44% | 49% | 49% | ||
| Compounded Profit Growth | 41% | 22% | 25% | 43% | ||
| Stock Price CAGR | 13% | 24% | 31% | 19% | ||
| Return on Equity | 8% | 9% | 10% | 10% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1 | 16 | 16 | 19 | 19 | 19 | 19 | 19 | 19 | 20 | 20 | 21 |
| Reserves | 30 | 48 | 51 | 61 | 66 | 76 | 80 | 87 | 93 | 108 | 121 | 152 |
| Borrowing | 46 | 3 | 18 | 8 | 2 | 6 | 14 | 29 | 87 | 138 | 200 | 332 |
| Other Liabilities | 13 | 11 | 4 | 2 | 2 | 3 | 2 | 2 | 4 | 8 | 8 | 12 |
| Total Liabilities | 91 | 77 | 89 | 90 | 89 | 104 | 116 | 138 | 203 | 274 | 349 | 517 |
| Fixed Assets | 1 | 1 | 2 | 1 | 2 | 1 | 14 | 15 | 15 | 15 | 15 | 18 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 26 | 16 | 15 | 32 | 26 | 15 | 15 | 17 | 16 | 14 | 14 | 20 |
| Other Assets | 63 | 60 | 72 | 57 | 61 | 87 | 86 | 106 | 173 | 244 | 320 | 479 |
| Total Assets | 91 | 77 | 89 | 90 | 89 | 104 | 116 | 138 | 203 | 274 | 349 | 517 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 48 | -0 | -8 | 15 | 2 | -9 | -5 | -11 | -46 | -54 | -49 | -114 |
| Cash from Investing Activity | 36 | 10 | 0 | -15 | 6 | 7 | -1 | -0 | -0 | -7 | -5 | -10 |
| Cash from Financing Activity | -81 | -12 | 8 | -1 | -8 | 3 | 5 | 12 | 56 | 56 | 60 | 139 |
| Net Cash Flow | 3 | -3 | 0 | -1 | 0 | 1 | -1 | 1 | 10 | -5 | 6 | 15 |
| Free Cash Flow | 48 | -1 | -8 | 15 | 2 | -10 | -5 | -11 | -46 | -54 | -50 | -115 |
| CFO/OP | 498% | 190% | -133% | 192% | 41% | -52% | -27% | -84% | -276% | -208% | -119% | -199% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 1% | 1% | 4% | 6% | 7% | 12% | 6% | 6% | 7% | 9% | 10% | 10% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 55.46% | 50.65% | 51.61% | 51.70% | 51.70% | 51.70% | 51.70% | 51.70% | 55.25% | 55.25% | 55.25% | 55.25% |
| FIIs | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.00% | 0.15% | 0.01% | 0.05% | 0.00% | 0.12% |
| DIIs | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.11% | 0.10% | 0.01% |
| Public | 44.53% | 49.34% | 48.37% | 48.28% | 48.28% | 48.19% | 48.28% | 48.13% | 44.73% | 44.59% | 44.65% | 44.62% |
| No. of Shareholders | 4,401 | 4,267 | 4,453 | 4,503 | 4,676 | 3,491 | 3,472 | 3,423 | 3,402 | 3,329 | 3,226 | 3,331 |
Fundamentals
Market Cap₹ 459 Cr.
Current Price₹ 217
Stock P/E25.5
Book Value₹ 81.8
ROCE12.5 %
ROE9.77 %
Dividend Yield0.35 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)49%
Compounded Profit Growth (TTM)43%
Standalone figures.
Valuation
Market capRs 462 Cr
Enterprise valueRs 742 Cr
P/E (TTM)25.72x
Price to book2.68x
Price to sales5.96x
EV / EBITDA12.11x
EV / EBIT12.49x
EV / sales9.56x
Earnings yield3.89%
Dividend yield0.34%
P/E, 3-year average22.88x
P/B, 3-year average2.02x
P/E, 5-year average25.55x
P/B, 5-year average1.90x
Profitability
Operating margin (excl. other income)77.81%
Operating margin (incl. other income)77.91%
EBITDA margin78.95%
Pre-tax margin31.50%
Net profit margin23.17%
Net margin, latest quarter25.68%
ROE9.77%
ROCE12.48%
ROA3.53%
ROE, 3-year average9.45%
ROCE, 3-year average11.60%
ROA, 3-year average4.05%
ROE, 5-year average8.30%
ROCE, 5-year average10.48%
ROA, 5-year average4.32%
ROIC (approx.)9.64%
Tax rate26.61%
Other income / net worth0.04%
Growth
Sales growth (latest year)40.98%
Profit growth (latest year)17.14%
Sales CAGR, 3 years48.70%
Sales CAGR, 5 years43.92%
Profit CAGR, 3 years24.62%
Profit CAGR, 5 years21.81%
Sales growth QoQ4.04%
Profit growth QoQ3.83%
Sales growth YoY (latest quarter)53.14%
Profit growth YoY (latest quarter)89.67%
Per share
EPS (TTM)Rs 8.51
EPS (latest quarter)Rs 2.69
EPS, 3-year averageRs 6.04
EPS, 5-year averageRs 4.83
Book value per shareRs 81.77
Sales per shareRs 36.74
Cash flow per shareRs -54.05
Free cash flow per shareRs -54.45
Dividend per share, 3-year averageRs 0.67
Dividend per share, 5-year averageRs 0.59
Dividends
Dividend payout10.32%
Dividend payout, 3-year average10.89%
Dividend payout, 5-year average12.17%
Efficiency
Asset turnover0.14x
Fixed asset turnover3.98x
Leverage
Total debtRs 332 Cr
Cash and bankRs 52 Cr
Net debtRs 279 Cr
Debt to equity1.92x
Net debt / EBITDA4.56x
Interest coverage1.70x
Owners' fund to total sources33.41%
Debt to assets64.18%
Cash flow
Cash from Operating Activity (latest year)Rs -114 Cr
Cash from Investing Activity (latest year)Rs -10 Cr
Cash from Financing Activity (latest year)Rs 139 Cr
Net Cash Flow (latest year)Rs 15 Cr
Free cash flow (latest year)Rs -115 Cr
FCFE (approx.: FCF + change in debt)Rs 16 Cr
Cash from ops / profit, 5 years-5.17x
Statement figures
Net sales (TTM)Rs 78 Cr
Net sales (latest year)Rs 70 Cr
Sales (latest quarter)Rs 22 Cr
Operating profit excl. other income (latest year)Rs 54 Cr
Operating profit (latest quarter)Rs 18 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 61 Cr
PBDT (TTM)Rs 26 Cr
Profit before tax (TTM)Rs 24 Cr
Tax (latest year)Rs 6 Cr
Net profit (TTM)Rs 18 Cr
Net profit (latest year)Rs 15 Cr
Net profit (latest quarter)Rs 6 Cr
Depreciation (TTM)Rs 2 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 35 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 16 Cr
Total income (latest year)Rs 70 Cr
Share capitalRs 21 Cr
ReservesRs 152 Cr
Shareholders' fundsRs 173 Cr
Total assetsRs 517 Cr
Net blockRs 18 Cr
InvestmentsRs 20 Cr
Other liabilitiesRs 12 Cr
Shares outstanding (crore)2.11
Ownership
Promoter holding55.25% (+3.55 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 23.8 is at the 40th percentile of its own 9.4-year range
(median 25.6, low 6.8, high 44.2).
P/B 2.48 is at the 87th percentile (median 1.70).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | MANCREDIT | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -1.6% | -2.8% | +1.2 pts |
| 1 month | -4.9% | -6.8% | +1.9 pts |
| 3 months | -10.7% | -7.6% | -3.1 pts |
| 6 months | +30.6% | +0.4% | +30.2 pts |
| 1 year | +17.5% | -9.9% | +27.4 pts |
| 2 years | +56.5% | -13.6% | +70.0 pts |
| 3 years | +124.6% | +14.2% | +110.4 pts |
| 5 years | +190.4% | +27.9% | +162.5 pts |
Red flags
F-score 2 of 8| explain | Weak cash conversion Cash from operations was -559% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 25% of total assets in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹22 Cr +53.1% vs Jun 2025.
Net profit ₹6 Cr +89.7%.
Against our estimate for Jun 2026: sales +0.8%, profit +24.3% beat. Our estimate for Sep 2026: sales Rs 25 Cr, profit Rs 6 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-09-11 | Dividend - Re 0.75 Per Share | |
| 2025-09-17 | Dividend - Re 0.75 Per Share | |
| 2024-09-17 | Dividend - Re 0.60 Per Sh | |
| 2024-09-17 | Annual General Meeting |
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Less than 100 unique PAN traded in previous 30 days
Quick answers
What is the market cap of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd (MANCREDIT) has a market capitalisation of Rs 459 Cr. at the 2026-10-01 close.
What is the P/E ratio of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd trades at a P/E of 25.5 on trailing twelve-month profit, at the 2026-10-01 close.
What were Mangal Credit & Fincorp Ltd's latest quarterly results?
In the Jun 2026 quarter, Mangal Credit & Fincorp Ltd revenue was Rs 22 Cr (+53.1% vs Jun 2025) and net profit was Rs 6 Cr.
What is the 52-week high and low of Mangal Credit & Fincorp Ltd?
The 52-week high is Rs 287.27 and the 52-week low is Rs 152.06.