Mangal Credit & Fincorp
MANCREDIT NSE
Mangal Credit & Fincorp
Financial ServicesNSE: MANCREDIT BSE: 505850 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹458 Cr
Volatility
Moderate
P/E Ratio
25.84
EBITDA
₹26.20 Cr
Return on Equity
7.41%
Debt to Equity
0.76
Book Value
₹81.79
EPS
₹6.04
52W High
₹287.27
52W Low
₹152.06
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Company is expected to give good quarter
- Company has delivered good profit growth of 21.8% CAGR over last 5 years
Weaknesses
3- Stock is trading at 2.69 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of 9.55% over last 3 years.
Growth Rate
Revenue Growth
-9.54% lower than
3Y
Net Income Growth
-20.21% lower than
3Y
Cash Flow Change
-95.93% lower than
3Y
ROE
-21.5% lower than
3Y
ROCE
2.35% lower than
3Y
EBITDA Margin (Avg.)
13.19% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | 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 | 7.49 | 7.6 | 8.68 | 9.43 | 11.87 | 11.66 | 12.68 | 13.37 | 14.47 | 15.82 | 18.31 | 21.3 | 22.16 |
| Expenses | 1.88 | 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 | 3.43 | 3.73 | 4.09 | 3.71 | 5.57 | 4.61 | 5.06 | 4.53 | 4.4 | 4.54 | 5.64 | 7.89 | 8.16 |
| Fin. Margin % | 45.79% | 49.08% | 47.12% | 39.34% | 46.93% | 39.54% | 39.91% | 33.88% | 30.41% | 28.7% | 30.8% | 37.04% | 36.82% |
| Other Income | 0.07 | 0.01 | 0 | 0 | 0 | 0 | 0 | -0.33 | 0 | 0.03 | 0.03 | 0.01 | 0 |
| Interest | 2.18 | 2.22 | 2.34 | 2.75 | 3.88 | 4.39 | 4.76 | 5.37 | 6.42 | 6.95 | 8.55 | 9.44 | 10.02 |
| Depreciation | 0.16 | 0.17 | 0.18 | 0.21 | 0.25 | 0.28 | 0.32 | 0.38 | 0.31 | 0.44 | 0.46 | 0.47 | 0.49 |
| PBT | 3.34 | 3.57 | 3.91 | 3.5 | 5.32 | 4.33 | 4.74 | 3.82 | 4.09 | 4.13 | 5.21 | 7.43 | 7.67 |
| Tax % | 26.35% | 26.33% | 26.85% | 26% | 29.51% | 25.4% | 26.58% | 31.41% | 26.41% | 27.6% | 26.68% | 26.24% | 25.81% |
| Net Profit | 2.47 | 2.63 | 2.86 | 2.59 | 3.75 | 3.22 | 3.48 | 2.62 | 3 | 2.98 | 3.83 | 5.48 | 5.69 |
| EPS in Rs | 1.28 | 1.36 | 1.48 | 1.32 | 1.92 | 1.65 | 1.78 | 1.34 | 1.53 | 1.41 | 1.81 | 2.6 | 2.69 |
| Gross NPA % | — | — | — | — | — | — | — | — | — | 1.27% | 1.31% | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | 0.69% | 0.75% | — | — |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 12 | 8 | 9 | 10 | 10 | 16 | 11 | 15 | 21 | 33 | 50 | 70 | 78 |
| Expenses | 3 | 4 | 3 | 1 | 2 | 2 | 2 | 4 | 6 | 9 | 11 | 16 | 16 |
| Financing Profit | 1 | -1 | 4 | 6 | 8 | 14 | 8 | 9 | 11 | 15 | 20 | 22 | 26 |
| Fin. Margin % | 6% | -9% | 51% | 66% | 76% | 84% | 74% | 61% | 53% | 45% | 40% | 32% | 34% |
| Other Income | 1 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 9 | 4 | 1 | 2 | 1 | 0 | 1 | 2 | 5 | 10 | 18 | 32 | 35 |
| Depreciation | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 2 |
| PBT | 1 | 1 | 4 | 6 | 8 | 14 | 8 | 9 | 11 | 14 | 18 | 21 | 24 |
| Tax % | 33% | 19% | 34% | 27% | 24% | 21% | 30% | 30% | 27% | 26% | 28% | 27% | — |
| Net Profit | 1 | 1 | 3 | 5 | 6 | 11 | 6 | 6 | 8 | 11 | 13 | 15 | 18 |
| EPS in Rs | 1.55 | 0.69 | 1.69 | 2.37 | 3.11 | 5.57 | 2.96 | 3.15 | 4.1 | 5.39 | 6.68 | 7.25 | 8.51 |
| Div. Payout % | 8% | 0% | 15% | 21% | 16% | 9% | 17% | 16% | 12% | 11% | 11% | 10% | — |
Balance Sheet
| Particulars | 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 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 48 | 0 | -8 | 15 | 2 | -9 | -5 | -11 | -46 | -54 | -49 | -114 |
| Investing | 36 | 10 | 0 | -15 | 6 | 7 | -1 | 0 | 0 | -7 | -5 | -10 |
| Financing | -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 |
Ratios
| Particulars | 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% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Mangal Credit & Fincorp insights
59 extracted metrics + investor summaries across FY11–FY26.
Documents
1
Board Meeting Outcome for Outcome Of Board Meeting Held On May 7, 2026.
7 May - Board approved secured NCD issues of ₹10 crore and ₹20 crore on private placement basis. 7 May - Board approved secured NCD issues of ₹10 crore and ₹20 crore on private placement basis.
2
Intimation Regarding Opening Of New Branch In The State Of Maharashtra.
5 May - Mangal Credit & Fincorp will open Nallasopara branch in Maharashtra on May 6, 2026. 5 May - Mangal Credit & Fincorp will open Nallasopara branch in Maharashtra on May 6, 2026.
3
Board Meeting Intimation for Considering And Approving The Proposal Of Fund Raising By Way Of Issuing Non Convertible Debentures.
4 May - Board meeting on May 7, 2026 to consider NCD fund raising. 4 May - Board meeting on May 7, 2026 to consider NCD fund raising.
4
Board Meeting Intimation for Considering And Approving The Proposal Of Fund Raising By Way Of Issuing Non Convertible Debentures.
4 May - Board meeting on May 7, 2026 to consider NCD fund raising. 4 May - Board meeting on May 7, 2026 to consider NCD fund raising.
5
Intimation Of Registration Of The Company To Act As Corporate Agent (Composite) With IRDAI Under IRDAI (Registration Of Corporate Agents) Regulations, 2015.
24 Apr - IRDAI granted Composite Corporate Agent licence to Mangal Credit & Fincorp from April 24, 2026 to April 23, 2029. 24 Apr - IRDAI granted Composite Corporate Agent licence to Mangal Credit & Fincorp from April 24, 2026 to April 23, 2029.
Frequently Asked Questions about Mangal Credit & Fincorp
What does Mangal Credit & Fincorp Ltd do?
Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]
Where is Mangal Credit & Fincorp Ltd (MANCREDIT) listed?
Mangal Credit & Fincorp Ltd trades as MANCREDIT on the NSE and under code 505850 on the BSE.
Which sector does Mangal Credit & Fincorp Ltd belong to?
Mangal Credit & Fincorp Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd has a market capitalisation of ₹457.79 Cr, which places it in the Small Cap band.
What is the PE ratio of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd trades at a PE ratio of 25.84, on earnings per share of ₹6.04, against a book value of ₹81.79 per share.
What is the 52-week high and low of Mangal Credit & Fincorp Ltd?
Over the last 52 weeks Mangal Credit & Fincorp Ltd has traded between ₹152.06 and ₹287.27.
Does Mangal Credit & Fincorp Ltd pay dividends?
Mangal Credit & Fincorp Ltd has a dividend yield of 0.34%.
What is the Return on Equity (ROE) of Mangal Credit & Fincorp Ltd?
Mangal Credit & Fincorp Ltd reported a return on equity of 7.41%. Its debt-to-equity ratio is 0.76.
Company Information
Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]
Website mangalfincorp.com
CEO Mr. Meghraj Sohanlal Jain
Employees 124
Listed 2024-08-16
Face Value ₹ 10
Issued Size 2,11,13,986
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