Mangal Credit & Fincorp Ltd
Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]
- Market Cap ₹ 313 Cr.
- Current Price ₹ 160
- High / Low ₹ 169 / 99.8
- Stock P/E 46.7
- Book Value ₹ 49.2
- Dividend Yield 0.37 %
- ROCE 11.4 %
- ROE 7.68 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 20.0% CAGR over last 5 years
Cons
- Stock is trading at 2.97 times its book value
- The company has delivered a poor sales growth of -13.4% over past five years.
- Company has a low return on equity of 7.96% over last 3 years.
- Promoter holding has decreased over last 3 years: -10.2%
* 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | TTM | |
---|---|---|---|---|---|---|---|---|---|
3 | 4 | 215 | 240 | 148 | 81 | 114 | 104 | 108 | |
1 | 2 | 200 | 213 | 126 | 60 | 91 | 79 | 84 | |
Operating Profit | 2 | 1 | 14 | 27 | 23 | 21 | 24 | 25 | 23 |
OPM % | 55% | 35% | 7% | 11% | 15% | 26% | 21% | 24% | 22% |
0 | 1 | 3 | 1 | 1 | 2 | 2 | 1 | 5 | |
Interest | 0 | 1 | 12 | 19 | 13 | 7 | 8 | 9 | 9 |
Depreciation | 0 | 0 | 2 | 6 | 7 | 9 | 6 | 7 | 8 |
Profit before tax | 1 | 1 | 4 | 4 | 3 | 7 | 12 | 10 | 11 |
Tax % | 22% | 20% | 25% | 33% | 43% | 37% | 22% | 28% | |
1 | 1 | 3 | 3 | 2 | 5 | 9 | 8 | 8 | |
EPS in Rs | 4.82 | 3.27 | 0.88 | 2.51 | 4.35 | 3.71 | 3.62 | ||
Dividend Payout % | 18% | 15% | 10% | 4% | 0% | 10% | 11% | 13% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | -13% |
3 Years: | -11% |
TTM: | -9% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 20% |
3 Years: | 133% |
TTM: | -16% |
Stock Price CAGR | |
---|---|
10 Years: | 14% |
5 Years: | 29% |
3 Years: | 22% |
1 Year: | 36% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 7% |
3 Years: | 8% |
Last Year: | 8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Sep 2019 | |
---|---|---|---|---|---|---|---|---|---|
Equity Capital | 0.71 | 0.70 | 1 | 1 | 16 | 16 | 19 | 19 | 19 |
Reserves | 14 | 15 | 31 | 32 | 51 | 56 | 72 | 74 | 76 |
0 | 20 | 189 | 164 | 67 | 78 | 67 | 73 | 59 | |
2 | 4 | 81 | 70 | 64 | 71 | 71 | 39 | 24 | |
Total Liabilities | 16 | 40 | 303 | 267 | 199 | 221 | 229 | 205 | 178 |
0 | 1 | 24 | 21 | 22 | 29 | 28 | 23 | 24 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 |
Investments | 2 | 3 | 1 | 2 | 2 | 0 | 15 | 15 | 16 |
14 | 37 | 277 | 244 | 174 | 192 | 186 | 160 | 138 | |
Total Assets | 16 | 40 | 303 | 267 | 199 | 221 | 229 | 205 | 178 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
---|---|---|---|---|---|---|---|---|
0 | 3 | -125 | 7 | 44 | -7 | 31 | 1 | |
0 | -0 | -36 | 26 | -30 | -12 | -30 | -1 | |
0 | -0 | 180 | -27 | -17 | 19 | 1 | 12 | |
Net Cash Flow | 0 | 2 | 18 | 5 | -4 | 0 | 2 | 12 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
---|---|---|---|---|---|---|---|---|
Debtor Days | 0 | 7 | 101 | 66 | 55 | 113 | 93 | 93 |
Inventory Days | 679 | 795 | 164 | 176 | 55 | 253 | 89 | 0 |
Days Payable | 791 | 916 | 113 | 60 | 135 | 304 | 141 | 138 |
Cash Conversion Cycle | -112 | -115 | 152 | 182 | -25 | 62 | 41 | -44 |
Working Capital Days | -78 | 2,890 | 262 | 233 | 169 | 320 | 216 | 212 |
ROCE % | 8% | 12% | 10% | 8% | 9% | 12% | 11% |
Documents
Announcements
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Resubmission Of Financial Results For The Quarter And Half Year Ended 30Th September, 2024 In Searchable Format, Without Any Change From The Original Submission.
10 Dec - Resubmission of unaudited financial results for Q2 2024.
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Opening Of New Branch In Ambernath(East)
8 Nov - Company opened a new branch in Ambernath.
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Newspaper Clippings Of Unaudited Financial Results For The Quarter End Half Year Ended 30Th September, 2024.
8 Nov - Submission of unaudited financial results for Q2 2024.
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Unaudited Financial Results For The Quarter And Half Year Ended 30Th September, 2024.
7 Nov - Board approved unaudited financial results for Q2 2024.
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Board Meeting Outcome for Outcome Of The Board Meeting Dated 7Th November, 2024
7 Nov - Board approved unaudited financial results for Q2 2024.
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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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.