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Mangal Credit and Fincorp Limited

Mangal Credit and Fincorp Limited

NSE: MANCREDIT
Credit ServicesFinancial ServicesSMALL CAPMCap ₹457.9 Cr
₹216.88₹-4.15 (-1.88%)

Market Closed • NSE

Market cap₹457.9 Cr
Enterprise value₹746.1 Cr
P/E TTM25.40
P/B2.65
EPS TTM₹8.54
ROCE11.40%
D/E1.92
Dividend yield0.00%
Face value₹10.00
52W high₹287.27
52W low₹152.06
Price chart(1Y)
1Y Return:-2.34% (₹5.19)
H: ₹287.27L: ₹204.8
1W-3.32%
1M-0.51%
3M-1.59%
6M+26.26%
1Y+18.66%
Today at a glance

Day range

₹216.22₹222.14

52 week range

₹152.06₹287.27
Volume112.1K0.74x 20D avg
Free float50.00%-26.20% volume

Mangal Credit and Fincorp Limited closed at INR216.88 (-1.88%) on volume 0.74x its 20-day average, trading 24.5% below its 52-week high.

Technical analysis
RSI (14)43.3Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹9.92High
SMA 20₹223.54BEARISH
SMA 50₹226.39BEARISH
SMA 100₹226.31BEARISH
SMA 200₹197.51BULLISH
CPR bottom₹227.81
Pivot₹225.55
CPR top₹223.29
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +42.9% QoQ

2026-09-11

DIVIDEND Announced

Dividend - Re 0.75 Per Share

2025-09-17

DIVIDEND Announced

Dividend - Re 0.75 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹331.7 Cr₹457.9 Cr72.45%≤ 33%FAIL
Non-halal income ratio–₹69.9 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹489.7 Cr₹516.9 Cr94.75%≥ 20%PASS
Receivables ratio–₹516.9 Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E25.4016.50
Forward P/E——
P/B2.651.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.906.10
Growth & profitability
RevenuePAT
FY18PAT margin —
FY19PAT margin —
FY23PAT margin 38.00%
FY24PAT margin 31.90%
FY25PAT margin 26.40%
FY26PAT margin 21.90%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+49.70%
Revenue CAGR 5Y—
PAT CAGR 3Y+24.60%
PAT CAGR 5Y+11.20%
Operating margin79.84%
Net margin23.20%
Financial health & cash flow
Net debt₹304.6 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-5.59x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-11414.9 Lakh
Capital expenditure–
Free cash flow₹-11525.1 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall58/100
Valuation60/100
Profitability65/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 1.92x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

70%47%23%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
0.10%Institutional holding
44.65%Public holding
5Periods available
0.00%Promoter pledged
3.23KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
14 Sept 2026Dividend₹0.75 / share—11 Sept 2026
17 Sept 2025Dividend₹0.75 / share—17 Sept 2025
17 Sept 2024DividendDividend - Re 0.60 Per Sh—17 Sept 2024
—Annual General MeetingAnnual General Meeting—17 Sept 2024
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)12.09%-4.80% latest vs average
Highest delivery48.98%on 09 Oct
Average volume (20D)151.8KTrading-session average
Conviction trendWeakening-4.80% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Mangal Credit and Fincorp Limited
Mangal Credit and Fincorp Limited

Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]

IndiaFinancial Services

Questions investors ask
Is Mangal Credit and Fincorp Limited Shariah compliant?

Mangal Credit and Fincorp Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (72.45%) exceeds AAOIFI threshold (≤ 33%).

What is Mangal Credit and Fincorp Limited's current valuation relative to peers?

Mangal Credit and Fincorp Limited trades at a P/E of 25.4x compared to the sector median of 16.5x, and a Price-to-Book of 2.7x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.92x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged 11.2%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.