Mangal Credit & Fin
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Mangal Credit & Fin share price

Mangal Credit and Fincorp Ltd.

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

159.50
+1.75 (1.11%)
BSE: 05 May 04:01 PM

Price Summary

Today's High

₹ 160

Today's Low

₹ 156.55

52 Week High

₹ 187.4

52 Week Low

₹ 99.8

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

₹ 312.05 Cr.

Advances

₹ 0 Cr.

No. of Shares

1.96 Cr.

P/E

23.92

P/B

2.27

Face Value

₹ 10

Div. Yield

0.38 %

Book Value (TTM)

₹  70.36

Operating Revenue

₹ 33.2 Cr.

Net Profit

₹ 10.55 Cr.

Promoter Holding

51.71 %

EPS (TTM)

₹  6.67

Sales Growth

56.15

ROE

8.97 %

ROCE

10.32%

Profit Growth

33.26 %

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* 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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* 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

0.76

PAT Margin (%)

31.7694

EPS Growth(%)

31.5622

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 51.71 0.00
Dec 2024 51.71 0.00
Sep 2024 51.71 0.00
Jun 2024 51.71 0.00
Mar 2024 51.61 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 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 8.68 9.43 11.87 11.66 12.68
Other Income 0 0 0 0 0
Interest Expended 2.34 2.75 3.88 4.39 4.76
Operating Expenses 2.25 2.97 2.42 2.67 2.86
Total Provisions 0 0 0 0 0
Depreciation 0.18 0.21 0.25 0.28 0.32
Profit Before Tax 3.91 3.51 5.32 4.33 4.74
Tax 1.05 0.91 1.57 1.1 1.26
Net Profit 2.86 2.59 3.75 3.23 3.48
Adjusted EPS (RS) 1.48 1.33 1.92 1.65 1.78

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 Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 51.61 51.71 51.71 51.71 51.71
ajit s jain - - - - 12.70
ajit sohanlal jain 2.04 2.04 2.04 2.04 2.04
bhavika meghraj jain 0.44 0.44 0.44 0.44 0.44
dhakad properties private... 6.44 6.44 6.44 6.44 6.44
hardik meghraj jain 4.23 4.23 4.23 4.23 4.23
indra meghraj jain 0.32 0.32 0.32 0.32 0.32
meghraj sohanlal jain 24.47 24.47 24.47 24.47 24.47
seema ajit jain 0.64 0.64 0.64 0.64 0.64
swarn bhavya mangal jewel... 0.33 0.43 0.43 0.43 0.43
ajit s jain huf 12.70 12.70 12.70 12.70 -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 48.39 48.29 48.29 48.29 48.29
accomplish trades solutio... - - 1.15 1.12 1.70
ankit j jain - 1.13 1.13 1.32 1.32
e ally consulting india p... 8.59 8.59 8.59 8.59 8.59
investor education and pr... - - - 2.13 2.13
jituraj finserve pvt ltd - - - 1.79 1.53
kulin shantilal vora 1.18 1.18 1.18 1.18 1.18
llp - - 0.29 0.29 0.38
navin mahavirprasad dalmi... 2.20 2.20 2.18 2.16 2.06
pravin udaylal jain 1.75 1.75 1.75 1.75 1.75
rekha jagdishkumar jain 1.08 1.08 1.08 1.08 1.08
shree jaisal electronics ... 4.75 4.75 4.75 4.75 4.75
galary trading private li... 1.41 1.96 1.86 - -
investor education and pr... - 0.63 0.63 - -
hasmukh c 2.07 - - - -
investor education and pr... 0.63 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Mangal Credit and Fincorp gets nod to raise Rs 25 crore 17 Mar, 12:42 PM Mangal Credit and Fincorp informs about board meeting 15 Mar, 4:34 PM Mangal Credit & Fin - Quaterly Results 10 Feb, 5:01 PM Mangal Credit & Fin - Quaterly Results 10 Feb, 5:01 PM Mangal Credit & Fin - Quaterly Results 10 Feb, 5:01 PM Mangal Credit and Fincorp informs about outcome of board meeting 7 Nov, 5:28 PM Mangal Credit & Fin - Quaterly Results 7 Nov, 4:19 PM Mangal Credit & Fin - Quaterly Results 7 Nov, 4:19 PM Mangal Credit & Fin - Quaterly Results 7 Nov, 4:19 PM Mangal Credit And Fincorp informs about board meeting 28 Oct, 4:40 PM Mangal Credit and Fincorp informs about loss of share certificates 26 Oct, 3:26 PM Mangal Credit And Fincorp informs about loss of share certificate 16 Oct, 2:37 PM Mangal Credit & Fin - Quaterly Results 12 Aug, 4:46 PM Mangal Credit & Fin - Quaterly Results 12 Aug, 4:46 PM Mangal Credit & Fin - Quaterly Results 12 Aug, 4:46 PM Mangal Credit & Fin - Quaterly Results 7 May, 5:55 PM Mangal Credit & Fin - Quaterly Results 7 May, 5:55 PM Mangal Credit & Fin - Quaterly Results 7 May, 5:55 PM Mangal Credit and Fincorp informs about details of loss of certificate 2 May, 2:05 PM Mangal Credit and Fincorp submits certificate 11 Apr, 4:14 PM Mangal Credit And Fincorp informs about disclosure 2 Apr, 11:48 AM Mangal Credit And Fincorp informs about disclosure 21 Mar, 10:48 AM Mangal Credit And Fincorp informs about disclosure 18 Mar, 8:36 AM Mangal Credit and Fincorp informs about disclosures 27 Feb, 4:54 PM Mangal Credit and Fincorp informs about disclosures 26 Feb, 5:16 PM Mangal Credit And Fincorp informs about disclosure 15 Feb, 10:46 AM Mangal Credit And Fincorp informs about disclosure 13 Feb, 11:35 AM Mangal Credit & Fin - Quaterly Results 2 Feb, 4:41 PM Mangal Credit & Fin - Quaterly Results 2 Feb, 4:41 PM Mangal Credit & Fin - Quaterly Results 2 Feb, 4:41 PM Mangal Credit and Fincorp informs about opening of new branch 24 Jan, 4:44 PM Mangal Credit and Fincorp informs about notice of EGM 24 Jan, 2:18 PM Mangal Credit and Fincorp submits board meeting intimation 22 Jan, 5:05 PM Mangal Credit and Fincorp informs about details of loss of certificate 20 Jan, 3:37 PM Mangal Credit And Fincorp informs about outcome of board meeting 10 Jan, 2:52 PM Mangal Credit and Fincorp informs about details of loss of certificate 24 Nov, 5:07 PM Mangal Credit and Fincorp informs about opening of new branch 18 Nov, 3:44 PM Mangal Credit & Fin - Quaterly Results 7 Nov, 5:06 PM Mangal Credit And Fincorp informs about loss of share certificate 27 Sep, 2:27 PM Mangal Credit and Fincorp informs about book closure for AGM 6 Sep, 2:31 PM Mangal Credit and Fincorp submits intimation of record date and book closure 31 Aug, 4:45 PM Mangal Credit and Fincorp informs about annual report, AGM 30 Aug, 10:24 AM Mangal Credit And Fincorp informs about board decision 18 Aug, 1:23 PM Mangal Credit and Fincorp informs about disclosure 17 Aug, 5:12 PM Mangal Credit & Fin - Quaterly Results 27 Jul, 4:16 PM Mangal Credit & Fin - Quaterly Results 27 Jul, 4:16 PM Mangal Credit & Fin - Quaterly Results 27 Jul, 4:16 PM Mangal Credit And Fincorp informs about trading window closure 30 Jun, 1:37 PM Mangal Credit and Fincorp informs about details of loss of certificate 21 Jun, 4:49 PM Mangal Credit & Fin - Quaterly Results 24 May, 12:02 PM

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 157.99. 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 157.99. 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 2.267 . 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 157.99. 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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