Mangal Credit & Fincorp Ltd

Mangal Credit Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Mangal Credit & Fincorp Ltd

₹ 186 1.58%
04 Nov 4:01 p.m.
mangalfincorp.com BSE: 505850 NSE: MANCREDIT
About

Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]

Key Points

Business Overview:[1][2]
MCFL is registered as a Non-Systematically Important Non-Deposit Taking NBFC. It has 6 branches in Maharashtra, 2 branches in Gujarat with 1 in Surat and 1 in Rajkot.

Website BSE NSE
  • Market Cap ₹ 393 Cr.
  • Current Price ₹ 186
  • High / Low ₹ 219 / 134
  • Stock P/E 31.3
  • Book Value ₹ 71.9
  • Dividend Yield 0.40 %
  • ROCE 12.2 %
  • ROE 9.93 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Promoter holding has increased by 3.54% over last quarter.

Cons

  • Stock is trading at 2.56 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 8.76% over last 3 years.
  • Promoter holding has decreased over last 3 years: -8.16%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
3.88 4.84 5.85 6.61 7.49 7.60 8.68 9.43 11.87 11.66 12.68 13.37 14.47
0.93 1.18 1.44 1.97 1.88 1.65 2.25 2.97 2.42 2.66 2.86 3.47 3.65
Operating Profit 2.95 3.66 4.41 4.64 5.61 5.95 6.43 6.46 9.45 9.00 9.82 9.90 10.82
OPM % 76.03% 75.62% 75.38% 70.20% 74.90% 78.29% 74.08% 68.50% 79.61% 77.19% 77.44% 74.05% 74.78%
0.05 0.05 0.09 0.03 0.07 0.01 0.00 0.00 0.00 0.00 0.00 -0.33 0.00
Interest 0.71 0.85 1.42 1.60 2.18 2.22 2.34 2.75 3.88 4.39 4.76 5.37 6.42
Depreciation 0.10 0.13 0.13 0.17 0.16 0.17 0.18 0.21 0.25 0.28 0.32 0.38 0.31
Profit before tax 2.19 2.73 2.95 2.90 3.34 3.57 3.91 3.50 5.32 4.33 4.74 3.82 4.09
Tax % 28.31% 25.27% 27.80% 25.17% 26.35% 26.33% 26.85% 26.00% 29.51% 25.40% 26.58% 31.41% 26.41%
1.57 2.04 2.13 2.17 2.47 2.63 2.86 2.59 3.75 3.22 3.48 2.62 3.00
EPS in Rs 0.81 1.06 1.10 1.12 1.28 1.36 1.48 1.32 1.92 1.65 1.78 1.34 1.53
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
11 12 8 9 10 10 16 11 15 21 33 50 52
3 3 4 3 1 2 2 2 4 6 9 11 13
Operating Profit 8 10 4 6 8 9 14 9 11 16 24 38 40
OPM % 75% 79% 46% 65% 86% 84% 85% 79% 73% 74% 74% 77% 76%
0 1 3 0 0 0 0 0 0 0 0 -0 -0
Interest 7 9 4 1 2 1 0 1 2 5 10 18 21
Depreciation 0 1 1 0 0 0 0 0 0 1 1 1 1
Profit before tax 1 1 1 4 6 8 14 8 9 11 14 18 17
Tax % 19% 33% 19% 34% 27% 24% 21% 30% 30% 27% 26% 28%
1 1 1 3 5 6 11 6 6 8 11 13 12
EPS in Rs 1.45 1.55 0.69 1.69 2.37 3.11 5.57 2.96 3.15 4.10 5.39 6.68 6.30
Dividend Payout % 32% 8% 0% 15% 21% 16% 9% 17% 16% 12% 11% 11%
Compounded Sales Growth
10 Years: 15%
5 Years: 25%
3 Years: 50%
TTM: 39%
Compounded Profit Growth
10 Years: 40%
5 Years: 4%
3 Years: 30%
TTM: 6%
Stock Price CAGR
10 Years: 17%
5 Years: 33%
3 Years: 15%
1 Year: 29%
Return on Equity
10 Years: 7%
5 Years: 8%
3 Years: 9%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 1 1 16 16 19 19 19 19 19 19 20 20
Reserves 29 30 48 51 61 66 76 80 87 93 108 121
127 46 3 18 8 2 6 14 29 87 138 200
15 13 11 4 2 2 3 2 2 4 8 8
Total Liabilities 173 91 77 89 90 89 104 116 138 203 274 349
2 1 1 2 1 2 1 14 15 15 15 15
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 36 26 16 15 32 26 15 15 17 16 14 14
135 63 60 72 57 61 87 86 106 173 244 320
Total Assets 173 91 77 89 90 89 104 116 138 203 274 349

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-60 48 -0 -8 15 2 -9 -5 -11 -46 -54 -49
-51 36 10 0 -15 6 7 -1 -0 -0 -7 -5
110 -81 -12 8 -1 -8 3 5 12 56 56 60
Net Cash Flow -1 3 -3 0 -1 0 1 -1 1 10 -5 6

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 1 0 0 0 0 0 0 0 0 0 0 0
Inventory Days 719
Days Payable 887
Cash Conversion Cycle -168 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -1,195 -103 1,975 1,982 1,666 122 271 -15 -28 -34 -74 -52
ROCE % 9% 8% 6% 7% 10% 10% 15% 8% 8% 9% 10% 12%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
63.53% 55.36% 55.43% 55.46% 50.65% 51.61% 51.70% 51.70% 51.70% 51.70% 51.70% 55.25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.08% 0.00% 0.15% 0.01%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
36.46% 44.63% 44.56% 44.53% 49.34% 48.37% 48.28% 48.28% 48.19% 48.28% 48.13% 44.73%
No. of Shareholders 4,3554,2934,2934,4014,2674,4534,5034,6763,4913,4723,4233,402

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Aug 2021
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  • May 2021
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  • Feb 2021
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  • Nov 2020
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  • Sep 2020
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  • Feb 2020
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  • Dec 2019
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  • Jun 2019
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  • Sep 2016
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