Mangal Credit & Fincorp Ltd
Incorporated in 2012, Mangal Credit & Fincorp Ltd provides various type of loans[1]
- Market Cap ₹ 205 Cr.
- Current Price ₹ 105
- High / Low ₹ 121 / 90.0
- Stock P/E 19.4
- Book Value ₹ 65.1
- Dividend Yield 0.48 %
- ROCE 10.3 %
- ROE 8.82 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Promoter holding has increased by 0.96% over last quarter.
Cons
- Company has a low return on equity of 7.40% over last 3 years.
- Promoter holding has decreased over last 3 years: -9.41%
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
4 | 11 | 12 | 8 | 9 | 10 | 10 | 16 | 11 | 15 | 21 | 33 | |
2 | 3 | 3 | 4 | 3 | 1 | 2 | 2 | 2 | 4 | 6 | 9 | |
Operating Profit | 3 | 8 | 10 | 4 | 6 | 8 | 9 | 14 | 9 | 11 | 16 | 24 |
OPM % | 59% | 75% | 79% | 46% | 65% | 86% | 84% | 85% | 79% | 73% | 74% | 74% |
0 | 0 | 1 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Interest | 1 | 7 | 9 | 4 | 1 | 2 | 1 | 0 | 1 | 2 | 4 | 10 |
Depreciation | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
Profit before tax | 1 | 1 | 1 | 1 | 4 | 6 | 8 | 14 | 8 | 9 | 11 | 14 |
Tax % | 20% | 19% | 33% | 19% | 34% | 27% | 24% | 21% | 30% | 30% | 28% | 26% |
1 | 1 | 1 | 1 | 3 | 5 | 6 | 11 | 6 | 6 | 8 | 11 | |
EPS in Rs | 1.45 | 1.55 | 0.69 | 1.69 | 2.37 | 3.11 | 5.57 | 2.96 | 3.15 | 4.10 | 5.39 | |
Dividend Payout % | 15% | 32% | 8% | 0% | 15% | 21% | 16% | 9% | 17% | 16% | 12% | 11% |
Compounded Sales Growth | |
---|---|
10 Years: | 11% |
5 Years: | 26% |
3 Years: | 43% |
TTM: | 56% |
Compounded Profit Growth | |
---|---|
10 Years: | 25% |
5 Years: | 12% |
3 Years: | 23% |
TTM: | 33% |
Stock Price CAGR | |
---|---|
10 Years: | 10% |
5 Years: | 15% |
3 Years: | 21% |
1 Year: | -5% |
Return on Equity | |
---|---|
10 Years: | 7% |
5 Years: | 8% |
3 Years: | 7% |
Last Year: | 9% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1 | 1 | 1 | 16 | 16 | 19 | 19 | 19 | 19 | 19 | 19 | 20 |
Reserves | 15 | 29 | 30 | 43 | 47 | 61 | 66 | 76 | 80 | 87 | 93 | 108 |
20 | 127 | 46 | 3 | 18 | 8 | 2 | 6 | 14 | 29 | 87 | 138 | |
4 | 15 | 13 | 15 | 9 | 2 | 2 | 3 | 2 | 2 | 4 | 8 | |
Total Liabilities | 40 | 173 | 91 | 77 | 89 | 90 | 89 | 104 | 116 | 138 | 203 | 274 |
1 | 2 | 1 | 1 | 2 | 1 | 2 | 1 | 14 | 15 | 15 | 15 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 2 | 36 | 26 | 16 | 15 | 32 | 26 | 15 | 15 | 17 | 16 | 14 |
38 | 135 | 63 | 60 | 72 | 57 | 61 | 87 | 86 | 106 | 173 | 244 | |
Total Assets | 40 | 173 | 91 | 77 | 89 | 90 | 89 | 104 | 116 | 138 | 203 | 274 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-18 | -60 | 48 | -0 | -8 | 15 | 2 | -9 | -5 | -11 | -42 | -54 | |
-2 | -51 | 36 | 10 | 0 | -15 | 6 | 7 | -1 | -0 | -0 | -7 | |
21 | 110 | -81 | -12 | 8 | -1 | -8 | 3 | 5 | 12 | 52 | 56 | |
Net Cash Flow | 1 | -1 | 3 | -3 | 0 | -1 | 0 | 1 | -1 | 1 | 10 | -5 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 6 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Inventory Days | 795 | 719 | ||||||||||
Days Payable | 874 | 887 | ||||||||||
Cash Conversion Cycle | -74 | -168 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Working Capital Days | 2,385 | 2,904 | 1,257 | 2,114 | 2,737 | 1,959 | 137 | 395 | -15 | -28 | -35 | -58 |
ROCE % | 8% | 9% | 8% | 6% | 8% | 10% | 10% | 15% | 8% | 8% | 9% |
Documents
Announcements
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Opening Of New Branch In Thane (East).
9 May - Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
9 May - Annual Secretarial Compliance Report for the year ended 31st March, 2024.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
9 May - Newspaper clippings of Audited Financial Results, for the Quarter and Year ended 31st March, 2024, are attached herewith.
-
Statement Of Nil Deviation Or Funds
8 May - Statement of nil deviation or variation of funds under Regulation 32 of SEBI (LODR) Regulations, 2015
- Corporate Action-Board approves Dividend 7 May
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Business Overview:[1][2]
MCFL is registered as a Non-Systematically Important Non-Deposit Taking NBFC. It has 6 branches in Maharashtra, 2 branches in Gujarat with 1 in Surat and 1 in Rajkot.