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Mangal Credit & Fin share price

Mangal Credit and Fincorp Ltd.

NSE: MANCREDIT BSE: 505850 SECTOR: Finance - NBFC  8229   10   3

148.80
+4.75 (3.30%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 148.8

Today's Low

₹ 140.8

52 Week High

₹ 169.15

52 Week Low

₹ 96.01

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

291.11 Cr.

Advances

0 Cr.

No. of Shares

1.96 Cr.

P/E

24.62

P/B

2.3

Face Value

₹ 10

Div. Yield

0.4 %

Book Value (TTM)

₹  64.83

Operating Revenue

33.2 Cr.

Net Profit

10.55 Cr.

Promoter Holding

51.71 %

EPS (TTM)

₹  6.04

Sales Growth

56.15

ROE

8.97 %

ROCE

10.32%

Profit Growth

33.26 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year56.15%
3 Year43.2%
5 Year30.16%

Profit Growth

1 Year33.26%
3 Year22.68%
5 Year11.91%

ROE%

1 Year8.97%
3 Year7.38%
5 Year8%

ROCE %

1 Year10.32%
3 Year9.34%
5 Year10.17%

ROA%

4.4338

PEG Ratio

0.78

PAT Margin (%)

31.7694

EPS Growth(%)

31.5622

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 51.71 0.00
Jun 2024 51.71 0.00
Mar 2024 51.61 0.00
Dec 2023 50.65 0.00
Sep 2023 55.46 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.62132910833848% in last 3 years.
  • The company is trading at 1.7516 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 43.1966678583728%.
  • The company has delivered substantial profit growth of 22.6847256975673% over past 3 years.
  • Promoters shareholding is 51.71%.

 Limitations

  • PAT margin has shrunk by 5.4552%.
  • Provision and contingencies have increased by 62.6016260162602%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Operating Revenue 7.49 7.54 8.64 9.43 11.87
Other Income 0.07 0.07 0.04 0 0
Interest Expended 2.18 2.22 2.34 2.75 3.88
Operating Expenses 1.87 1.65 2.25 2.97 2.42
Total Provisions 0 0 0 0 0
Depreciation 0.16 0.17 0.18 0.21 0.25
Profit Before Tax 3.35 3.57 3.91 3.51 5.32
Tax 0.88 0.94 1.05 0.91 1.57
Net Profit 2.47 2.63 2.86 2.59 3.75
Adjusted EPS (RS) 1.28 1.36 1.48 1.33 1.92

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 8.87 11.31 14.62 21.26 33.2
Other Income 7.46 0.11 0.2 0.14 0.08
Interest 0.2 0.57 1.78 4.58 9.5
Operating Expenses 1.98 2.3 3.24 5.26 8.17
Total Provisions 0.58 0.36 1.11 0.79 1.28
Exceptional Items 0 0 0 0 0
Profit Before Tax 13.56 8.18 8.68 10.78 14.33
Tax 2.8 2.47 2.6 2.86 3.78
Profit After Tax 10.76 5.71 6.08 7.91 10.55
Adjusted EPS (Rs.) 5.57 2.96 3.15 4.1 5.39

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 19.31 19.31 19.31 19.31 19.56
Total Reserves 75.57 80.46 86.61 92.63 107.79
Borrowings 0 0 0 7.06 0
Other N/C liabilities -0.37 -0.16 0.02 -0.41 -0.75
Current liabilities 9.78 17.06 31.8 84.07 146.44
Total Liabilities 104.29 116.68 137.74 202.67 273.04
Assets
Loans 0 0 0 0 0
Net Block 0.48 1.24 1.35 1.74 1.83
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0.03 0.24
Investments 15.27 15.47 16.81 15.6 14.28
Other Loans 0.58 0.45 0.52 0.63 0.77
Other N/C Assets 0.71 13.16 13.16 13.16 13.16
Current Assets 87.24 86.36 105.9 171.5 242.76
Total Assets 104.29 116.68 137.74 202.67 273.04
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 55.46 50.65 51.61 51.71 51.71
ajit s jain huf 12.86 12.86 12.70 12.70 12.70
ajit sohanlal jain 2.07 2.07 2.04 2.04 2.04
bhavika meghraj jain 0.45 0.45 0.44 0.44 0.44
dhakad properties private... 6.52 6.52 6.44 6.44 6.44
hardik meghraj jain 2.99 2.99 4.23 4.23 4.23
indra meghraj jain 0.33 0.33 0.32 0.32 0.32
meghraj sohanlal jain 24.78 24.78 24.47 24.47 24.47
seema ajit jain 0.65 0.65 0.64 0.64 0.64
swarn bhavya mangal jewel... - - 0.33 0.43 0.43
shree jaisal electronics ... 4.81 - - - -
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 44.54 49.35 48.39 48.29 48.29
accomplish trades solutio... - - - - 1.15
ankit j jain - - - 1.13 1.13
e ally consulting india p... 8.70 8.70 8.59 8.59 8.59
galary trading private li... - 1.52 1.41 1.96 1.86
investor education and pr... - 0.64 0.63 - 0.63
kulin shantilal vora 1.20 1.20 1.18 1.18 1.18
navin mahavirprasad dalmi... 2.14 2.14 2.20 2.20 2.18
pravin udaylal jain 1.77 1.77 1.75 1.75 1.75
rekha jagdishkumar jain 1.10 1.10 1.08 1.08 1.08
shree jaisal electronics ... - 4.81 4.75 4.75 4.75
investor education and pr... 0.64 - - 0.63 -
hasmukh c - 4.00 2.07 - -
chandanmal hasmukh 5.24 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ4FY21 25 May 2021
  • PresentationQ3FY21 19 Feb 2021
  • PresentationQ2FY21 17 Nov 2020
  • PresentationQ1FY22 25 Aug 2021
  • PresentationQ1FY21 18 Sep 2020

Company News

Mangal Credit And Fincorp informs about board meeting28 Oct 2024, 4:40PM Mangal Credit and Fincorp informs about loss of share certificates26 Oct 2024, 3:26PM Mangal Credit And Fincorp informs about loss of share certificate16 Oct 2024, 2:37PM Mangal Credit & Fin - Quaterly Results12 Aug 2024, 4:46PM Mangal Credit & Fin - Quaterly Results12 Aug 2024, 4:46PM Mangal Credit & Fin - Quaterly Results12 Aug 2024, 4:46PM Mangal Credit & Fin - Quaterly Results7 May 2024, 5:55PM Mangal Credit & Fin - Quaterly Results7 May 2024, 5:55PM Mangal Credit & Fin - Quaterly Results7 May 2024, 5:55PM Mangal Credit and Fincorp informs about details of loss of certificate2 May 2024, 2:05PM Mangal Credit and Fincorp submits certificate11 Apr 2024, 4:14PM Mangal Credit And Fincorp informs about disclosure 2 Apr 2024, 11:48AM Mangal Credit And Fincorp informs about disclosure21 Mar 2024, 10:48AM Mangal Credit And Fincorp informs about disclosure18 Mar 2024, 8:36AM Mangal Credit and Fincorp informs about disclosures27 Feb 2024, 4:54PM Mangal Credit and Fincorp informs about disclosures26 Feb 2024, 5:16PM Mangal Credit And Fincorp informs about disclosure 15 Feb 2024, 10:46AM Mangal Credit And Fincorp informs about disclosure 13 Feb 2024, 11:35AM Mangal Credit & Fin - Quaterly Results2 Feb 2024, 4:41PM Mangal Credit & Fin - Quaterly Results2 Feb 2024, 4:41PM Mangal Credit & Fin - Quaterly Results2 Feb 2024, 4:41PM Mangal Credit and Fincorp informs about opening of new branch 24 Jan 2024, 4:44PM Mangal Credit and Fincorp informs about notice of EGM 24 Jan 2024, 2:18PM Mangal Credit and Fincorp submits board meeting intimation 22 Jan 2024, 5:05PM Mangal Credit and Fincorp informs about details of loss of certificate20 Jan 2024, 3:37PM Mangal Credit And Fincorp informs about outcome of board meeting 10 Jan 2024, 2:52PM Mangal Credit and Fincorp informs about details of loss of certificate 24 Nov 2023, 5:07PM Mangal Credit and Fincorp informs about opening of new branch18 Nov 2023, 3:44PM Mangal Credit & Fin - Quaterly Results7 Nov 2023, 5:06PM Mangal Credit And Fincorp informs about loss of share certificate27 Sep 2023, 2:27PM Mangal Credit and Fincorp informs about book closure for AGM6 Sep 2023, 2:31PM Mangal Credit and Fincorp submits intimation of record date and book closure31 Aug 2023, 4:45PM Mangal Credit and Fincorp informs about annual report, AGM30 Aug 2023, 10:24AM Mangal Credit And Fincorp informs about board decision18 Aug 2023, 1:23PM Mangal Credit and Fincorp informs about disclosure 17 Aug 2023, 5:12PM Mangal Credit & Fin - Quaterly Results27 Jul 2023, 4:16PM Mangal Credit & Fin - Quaterly Results27 Jul 2023, 4:16PM Mangal Credit & Fin - Quaterly Results27 Jul 2023, 4:16PM Mangal Credit And Fincorp informs about trading window closure30 Jun 2023, 1:37PM Mangal Credit and Fincorp informs about details of loss of certificate21 Jun 2023, 4:49PM Mangal Credit & Fin - Quaterly Results24 May 2023, 12:02PM Mangal Credit & Fin - Quaterly Results24 May 2023, 12:02PM Mangal Credit & Fin - Quaterly Results24 May 2023, 12:02PM Mangal Credit And Fincorp informs about compliance certificate 4 Apr 2023, 4:40PM Mangal Credit And Fincorp informs about loss of share certificate4 Feb 2023, 2:17PM Mangal Credit And Fincorp informs about postal ballot notice29 Nov 2022, 12:37PM Mangal Credit And Fincorp informs about disclosure3 Nov 2022, 3:11PM Mangal Credit and Fincorp informs about newspaper publication19 Oct 2022, 4:55PM Mangal Credit & Fin - Quaterly Results18 Oct 2022, 3:26PM Mangal Credit & Fin - Quaterly Results18 Oct 2022, 3:26PM

Mangal Credit & Fin Stock Price Analysis and Quick Research Report. Is Mangal Credit & Fin an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Mangal Credit & Fin stock price today is Rs 147.41. To understand the functions of the Mangal Credit & Fin better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Mangal Credit & Fin is Rs 10.5459 Cr and the compounded growth of profit in the past 3 years is 22.6844748717568 %. The PAT margin of Mangal Credit & Fin is 31.7694 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Mangal Credit & Fin , the EPS grew by 31.5622 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Mangal Credit & Fin has a poor ROE track record. The ROE of Mangal Credit & Fin is at 8.9741 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Mangal Credit & Fin is worth at the current levels at Rs 147.41. The stock is trading at a current P/E ratio of 20.4434 and the average historical P/E for the last 5 years was 20.5777261134155.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Mangal Credit & Fin is trading at a P/B of 2.2952 . The average historical P/B of Mangal Credit & Fin for the last 5 years was 1.42813390426169. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Mangal Credit & Fin is Rs 147.41. One can use valuation calculators of ticker to know if Mangal Credit & Fin share price is undervalued or overvalued.

Last Updated on:
Brief about Mangal Credit & Fin
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