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Banking And Finance | Small Cap
Health Score : 3.63Mangal Credit & Fincorp Ltd, operating in the Non-Bank Finance sector, demonstrates a mixed financial performance. While the company shows strength in managing its debt and capital expenditures, it struggles with liquidity, growth, and profitability. The company has good debt management and uses capital effectively for investments, it needs to improve its ability to meet short-term obligations and generate profits. The company faces challenges in expanding its revenue, operating profit, and earnings per share, and shows low returns on its assets and equity. Future performance will depend on how well Mangal Credit & Fincorp can address these weaknesses while maintaining its strengths in debt management and investments. The company's ability to improve its financial health will be critical for its long-term success.
Health Score : 3.63Mangal Credit & Fincorp Ltd, operating in the Non-Bank Finance sector, demonstrates a mixed financial performance. While the company shows strength in managing its debt and capital expenditures, it struggles with liquidity, growth, and profitability. The company has good debt management and uses capital effectively for investments, it needs to improve its ability to meet short-term obligations and generate profits. The company faces challenges in expanding its revenue, operating profit, and earnings per share, and shows low returns on its assets and equity. Future performance will depend on how well Mangal Credit & Fincorp can address these weaknesses while maintaining its strengths in debt management and investments. The company's ability to improve its financial health will be critical for its long-term success.
Overall Valuation Score
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P/E RATIO (TTM)
31.75
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
62.05
P/B RATIO
4.68
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
4.40
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
18.70
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹230.19 as on Sep 1, 2026.
Growth Score : 2.00The company shows poor growth performance across all metrics. The company is not expanding its revenue, operating profit, earnings, assets, and net income. This suggests the company faces challenges in capturing new market opportunities and improving its financial performance. The company should focus on implementing growth strategies to improve its financial performance.
Revenue Growth RatePoorOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RatePoorNet Income Growth RatePoor| Growth Ratios | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 11.63 | -38.33 | -45.27 | 40.74 | -8.77 |
| Operating Profit Growth Rate | 350 | 11.11 | 40 | 14.29 | 0 |
| Earnings Per Share (EPS) Growth | -32.16 | -73.09 | 185.23 | 73.31 | -14.71 |
| Asset Growth Rate | -25.47 | 11.06 | 3.62 | -10.48 | |
| Net Income Growth Rate | 0 | -33.33 | 150 | 80 | -11.11 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
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Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Baid Finserv Ltd | 8.63 | 10.46 | Undervalued | 19.00 | 0.97 | 15.00 |
| 2 | Akme Fintrade (India) Ltd | 8.27 | 9.53 | Undervalued | 55.00 | 0.99 | 42.00 |
| 3 | Avonmore Capital & Management Services Ltd | 8.02 | 27.22 | Neutral | 14.00 | 0.03 | 22.00 |
| 4 | Keynote Financial Services Ltd | 7.94 | 21.22 | Neutral | 8.19 | -2.98 | 6.66 |
| 5 | Starteck Finance Ltd | 7.94 | 10.50 | Neutral | 10.00 | 17.31 | 24.00 |
| 6 | IBL Finance Ltd | 7.50 | 61.62 | Neutral | 3.61 | 0.99 | 2.44 |
| 7 | Usha Financial Services Ltd | 7.25 | 9.36 | Neutral | 32.00 | 5.17 | 22.00 |
| 8 | Naga Dhunseri Group Ltd | 6.97 | -29.29 | Neutral | -39.00 | -108.80 | -10.00 |
| 9 | Consolidated Finvest & Holdings Ltd | 6.65 | 2.21 | Neutral | 13.00 | 16.74 | 450.00 |
| 10 | Industrial Investment Trust Ltd | 5.70 | -27.77 | Neutral | -13.00 | -5.91 | -12.00 |
| 11 | U. Y. Fincorp Ltd | 4.85 | 48.88 | Neutral | -2.83 | 2.54 | -0.66 |
| 12 | Muthoot Capital Services Ltd | 4.27 | 36.12 | Neutral | 13.00 | 6.79 | 11.00 |
| 13 | Mangal Credit & Fincorp Ltd | 3.63 | 62.05 | Neutral | 15.00 | 7.25 | 8.00 |
| 14 | SAKTHIFIN | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
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Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
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Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
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Volatility Score
Strong Bearish
Bearish
Neutral
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Strong Bullish
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Volume Score
Strong Bearish
Bearish
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Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
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Mangal Credit & Fincorp Ltd is a Rajasthan-based Non-Banking Financial Company (NBFC) engaged in providing financial solutions primarily to MSMEs and individuals. Its core activities include lending against property, vehicle finance, business loans, and gold loans, focusing on underbanked segments to foster financial inclusion across semi-urban and rural areas.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Mangal Credit & Fincorp Ltd's P/E ratio (TTM) is 31.75, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Mangal Credit & Fincorp Ltd's P/B ratio is 4.68, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Mangal Credit & Fincorp Ltd's P/S ratio is 4.40, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Mangal Credit & Fincorp Ltd's PEG ratio is 1.15.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Mangal Credit & Fincorp Ltd's EV/EBITDA ratio is 18.70.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Mangal Credit & Fincorp Ltd's ROE is 8.60%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Mangal Credit & Fincorp Ltd's ROA is 7.80%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Mangal Credit & Fincorp Ltd's ROCE is 11%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Mangal Credit & Fincorp Ltd's operating margin is 15.38%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Mangal Credit & Fincorp Ltd's net margin is 7.69%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Mangal Credit & Fincorp Ltd's current ratio is 2.11.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Mangal Credit & Fincorp Ltd's debt-to-equity ratio is 0.39.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Mangal Credit & Fincorp Ltd's interest coverage ratio is 2.11.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Mangal Credit & Fincorp Ltd's DPS is ₹0.48.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Mangal Credit & Fincorp Ltd's EPS is -14.71.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹230.19. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1994
Headquarters: Jaipur, Rajasthan
Core Offerings: Loans Against Property (LAP), Vehicle Finance, Business Loans, Gold Loans, Personal Loans
Stock Listing: NSE (MANCREDIT), BSE (505850)
Promoter: Mangal Family Group / Mr. Sanjay Mangal
Mangal Credit & Fincorp Ltd was incorporated in 1994 as Mangal Credit & Fincorp Private Limited. In 2000, it was converted into a Public Limited Company. Over the decades, the company has steadily expanded its financial services portfolio and geographical presence, primarily within Rajasthan, focusing on secured and unsecured lending to individuals and MSMEs. It has diversified its loan book to include Loans Against Property, Vehicle Finance, Gold Loans, and Business Loans, becoming a key player in its target markets.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Loans Against Property (LAP) | ~60% of AUM | Operating Profit |
| Vehicle Finance | ~20% of AUM | Operating Profit |
| Gold Loans | ~10% of AUM | Operating Profit |
| Other Loans (Business & Personal) | ~10% of AUM | Operating Profit |
Loans Against Property (LAP): Provides secured loans against residential or commercial properties to individuals and MSMEs for business expansion, working capital, or personal requirements.
Vehicle Finance: Offers financing solutions for new and used commercial vehicles, passenger vehicles, and two-wheelers, catering to both individuals and small transport operators, facilitating mobility and business growth.
Gold Loans: Provides quick and easy access to credit against gold jewellery, serving immediate liquidity needs for customers, a popular product in semi-urban and rural areas.
Business & Personal Loans: Offers unsecured loans to MSMEs for working capital and business growth, and personal loans for various individual requirements, contributing to financial inclusion.
Mr. Sanjay Mangal - Chairman & Managing Director. A visionary leader and the founder of the company, he has been instrumental in shaping its strategic direction and driving its growth since inception.
No major subsidiaries reported.
Notable corporate actions include a Bonus Issue in 2023 (1:1), a Rights Issue in 2022, and a Stock Split in 2023 (from ₹10 to ₹1 face value).
The Mangal Credit & Fincorp Ltd share price today is ₹230.19 on NSE (MANCREDIT), as of 28 Sept 2026.
As of 28 Sept 2026, Mangal Credit & Fincorp Ltd share price is ₹230.19, with previous close ₹230.19. Today's range is ₹230.19 to ₹230.19. The 52-week range is ₹152.06 to ₹287.27.
As of today, Mangal Credit & Fincorp Ltd's market cap is ₹458.08 crore (Small Cap).
Mangal Credit & Fincorp Ltd's current P/E ratio is 31.75, compared to the BANKING AND FINANCE sector average of 27.
Mangal Credit & Fincorp Ltd's current P/B ratio is 4.68.
Mangal Credit & Fincorp Ltd's current dividend yield is 0.21%. Last dividend of ₹0.10 per share was declared on 22-Sep-2023.
Mangal Credit & Fincorp Ltd's EPS (TTM) is ₹-14.71.
Mangal Credit & Fincorp Ltd is a Rajasthan-based Non-Banking Financial Company (NBFC) engaged in providing financial solutions primarily to MSMEs and individuals. Its core activities include lending against property, vehicle finance, business loans, and gold loans, focusing on underbanked segments to foster financial inclusion across semi-urban and rural areas.
Mangal Credit & Fincorp Ltd is promoted by Mangal Family Group / Mr. Sanjay Mangal, holding 55.25% as of 28 Sept 2026.
Mangal Credit & Fincorp Ltd is listed on NSE (MANCREDIT) and BSE (505850). Its next quarterly results are expected on August 2024 (Q1 FY25).
Capital Expenditures (CapEx)
Capital Efficiency & Returns