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Mangal Credit & Fincorp Ltd.

Mangal Credit & Fincorp Ltd.

204.85
INR
-6.40
(-3.03%)
8.54EPS
28.09P/E
5.11BMarket Cap
Mangal Credit & Fincorp Ltd.
BSE:MANCREDIT
(Bombay Stock Exchange)

Recent

price

204.85

P/E

ratio

28.09

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
3.56
6.55
8.82
272.14
281.3
156.05
49.96
61.39
4.6
4.59
5.85
7.07
10.79
17.07
24.79
32.99
37.12
Revenue per Share
10.55
2.33
2.21
3.67
2.32
1.53
2.53
4.68
3.11
5.57
2.96
3.15
4.1
5.45
6.68
7.46
8.61
Basic EPS, GAAP
- -
-23.68
4.57
-181.45
-0.01
37.81
-13.09
12.15
1.02
-4.93
-2.85
-5.61
-24.03
-28.13
-25.64
-56.17
- -
Free Cash Flow per Basic Share
- -
0.33
0.42
0.36
0.33
0.09
0.02
0.26
0.55
0.57
0.5
0.5
0.5
0.5
0.6
0.72
- -
Dividend per Share
- -
33.8
37.85
38.53
40
42.41
44.66
37.09
39.58
49.13
51.66
54.84
57.96
65.09
71.92
81.79
- -
Book Value per Share
- -
33.8
37.85
36.01
37.19
41.36
43.78
37.09
39.57
49.09
51.64
54.83
57.95
64.96
71.82
81.67
- -
Tangible Book Value per Share
4
4
4
8
8
9
16
18
19
19
19
19
19
19
20
21
21
Basic Weighted Avg Shares
15
28
37
2,146
2,378
1,434
792
1,102
89
89
113
136
208
330
485
677
776
Sales/Revenue/Turnover
374.35
55.18
48.51
5.96
8.19
8.03
12.7
12.91
73.27
76.3
74.75
64.48
54.26
48.67
40.12
34.9
33.25
Operating Margin (%)
1
- -
1
16
57
71
91
56
2
1
2
4
5
7
12
17
19
Depreciation Expense
45
10
9
29
20
14
40
84
60
108
57
61
79
105
131
153
180
Net Income, GAAP
20.93
21.46
19.93
24.92
32.97
43.08
36.98
21.89
24.59
20.63
30.21
29.96
26.58
26.38
28.22
26.6
26.37
Effective Tax Rate (%)
295.95
35.63
25.08
1.35
0.82
0.98
5.07
7.62
67.6
121.43
50.52
44.57
37.99
31.95
26.94
22.61
23.2
Profit Margin (%)
- -
7
115
144
241
597
609
199
176
190
190
133
376
680
1,100
794
- -
Working Capital
- -
- -
2
91
95
213
305
399
330
- -
46
85
378
519
661
1,682
- -
LT Debt
- -
143
160
397
473
759
793
801
850
949
998
1,059
1,119
1,273
1,407
1,727
- -
Total Equity
- -
- -
3.69
2.31
1.23
1.09
4.32
7.85
3.87
4.38
5.2
4.84
4.84
4.78
4.43
3.74
- -
Return on Invested Capital (%)
- -
- -
8.14
8.91
6.07
4.46
4.7
9.08
9.09
9.74
5.35
4.95
4.89
4.66
4.44
3.8
- -
Return on Capital (%)
- -
- -
6.17
11.92
5.9
2.79
5.78
11.7
8.11
12.57
5.87
5.91
7.26
8.81
9.75
9.77
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
1,636
- -
LT Borrowings
- -
1,664
- -
LT Finance Leases
- -
18
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
3,547
3,534
5,107

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
2,553
- -
Cash, Cash Equivalents & STI
- -
524
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
1,760
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
1,636
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.72%
11.76%
22.73%
Free Cash Flow
-51.49%
112.9%
129.73%
Net Income, GAAP
40.92%
22.18%
17.13%
Sales/Revenue/Turnover
14.81%
43.67%
39.59%
Total Cash Common Dividend
- -
- -
25.17%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
119
117
127
134
485
2026
145
158
183
213
677
2027
222
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.92
1.65
1.78
1.34
6.68
2026
1.53
1.48
1.82
2.59
7.46
2027
2.7
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.6
2026
- -
- -
- -
- -
0.72
2027
- -
- -
- -
- -
- -
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Business
Mangal Credit and Fincorp Limited Mangal Credit and Fincorp Limited (MCFL), a non-banking financial company (NBFC) listed on the BSE and NSE, provides a diversified portfolio of secured and unsecured lending products including gold loans against jewelry with multiple variants offering up to Rs 50 lakhs instantly and minimal documentation; SME and MSME business loans starting from Rs 20 lakhs for working capital and expansion needs with flexible tenures up to three years; loans against property (LAP) up to Rs 3 crores against residential or commercial assets for tenures up to ten years; personal loans up to Rs 10 lakhs without collateral for personal requirements; and emerging products such as electric vehicle (EV) financing and affordable LAP. Incorporated in 1961 and headquartered at Lotus Corporate Park, Western Express Highway, Goregaon East, Mumbai, Maharashtra, India, the company operates 25 branches across Maharashtra (16 branches), Gujarat (5 branches), Rajasthan (2 branches), and West Bengal (2 branches), targeting underserved MSME, individual, and retail borrowers in Tier 2 and Tier 3 markets with a customer-centric approach emphasizing quick disbursals, competitive rates, and digital processes via its Mangal mobile app for applications, tracking, and officer verification. In FY2024-25, MCFL achieved 29% AUM growth to Rs 294.56 crores with 7,758 active loans and Rs 434.89 crores in disbursements; expanded geographically by entering Rajasthan and growing branches 20%; launched four gold loan variants, EV financing, and affordable LAP; listed on the National Stock Exchange (NSE) in August 2024; issued its first Rs 25 crore non-convertible debentures (NCDs); received promoter infusion of Rs 7 crores; enhanced digital infrastructure with customized LOS-LMS and CRM systems; and maintained strong asset quality at 1.19% GNPA and 0.66% NNPA alongside a 41.15% capital adequacy ratio.