Mangal Credit & Fincorp Ltd

Mangal Credit Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Mangal Credit & Fincorp Ltd

₹ 172 2.30%
01 Apr - close price
mangalfincorp.com BSE: 505850 NSE: MANCREDIT
About

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

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 363 Cr.
  • Current Price ₹ 172
  • High / Low ₹ 219 / 145
  • Stock P/E 51.9
  • Book Value ₹ 49.2
  • Dividend Yield 0.44 %
  • ROCE 11.4 %
  • ROE 7.68 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 20.0% CAGR over last 5 years
  • Company's working capital requirements have reduced from 120 days to 81.9 days

Cons

  • Stock is trading at 3.48 times its book value
  • The company has delivered a poor sales growth of -13.4% over past five years.
  • Company has a low return on equity of 7.96% over last 3 years.
  • Promoter holding has decreased over last 3 years: -8.28%

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2013 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
1.48 24.22 7.35 14.25 81.01 12.34 5.55 8.84
Interest 0.83 2.17 2.42 1.88 3.82 1.74 1.65 1.53
0.34 19.11 15.43 3.80 67.28 8.45 4.70 4.00
Financing Profit 0.31 2.94 -10.50 8.57 9.91 2.15 -0.80 3.31
Financing Margin % 20.95% 12.14% -142.86% 60.14% 12.23% 17.42% -14.41% 37.44%
0.01 1.39 2.31 1.62 1.25 1.10 1.27 0.93
Depreciation 0.03 0.33 1.80 1.86 2.83 1.71 1.79 1.91
Profit before tax 0.29 4.00 -9.99 8.33 8.33 1.54 -1.32 2.33
Tax % 0.00% 30.50% 3.90% 4.80% 13.45% 33.77% 45.45% 15.88%
0.29 2.78 -10.39 7.93 7.22 1.03 -1.92 1.96
EPS in Rs 0.48 1.31 -2.56 2.65 2.32 0.68 -0.14 0.76
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
3 4 215 240 148 81 114 104 108
Interest 0 1 12 19 13 7 8 9 9
1 2 200 213 126 60 91 79 84
Financing Profit 1 -0 2 9 10 14 16 16 15
Financing Margin % 43% -3% 1% 4% 6% 18% 14% 15% 14%
0 1 3 1 1 2 2 1 5
Depreciation 0 0 2 6 7 9 6 7 8
Profit before tax 1 1 4 4 3 7 12 10 11
Tax % 22% 20% 25% 33% 43% 37% 22% 28%
1 1 3 3 2 5 9 8 8
EPS in Rs 4.82 3.27 0.88 2.51 4.35 3.71 3.62
Dividend Payout % 18% 15% 10% 4% 0% 10% 11% 13%
Compounded Sales Growth
10 Years: %
5 Years: -13%
3 Years: -11%
TTM: -9%
Compounded Profit Growth
10 Years: %
5 Years: 20%
3 Years: 133%
TTM: -16%
Stock Price CAGR
10 Years: 13%
5 Years: 24%
3 Years: 19%
1 Year: 5%
Return on Equity
10 Years: %
5 Years: 7%
3 Years: 8%
Last Year: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Sep 2019
Equity Capital 0.71 0.70 1 1 16 16 19 19 19
Reserves 14 15 31 32 51 56 72 74 76
Borrowing 0 20 189 164 67 78 67 73 59
2 4 81 70 64 71 71 39 24
Total Liabilities 16 40 303 267 199 221 229 205 178
0 1 24 21 22 29 28 23 24
CWIP 0 0 0 0 0 0 0 7 0
Investments 2 3 1 2 2 0 15 15 16
14 37 277 244 174 192 186 160 138
Total Assets 16 40 303 267 199 221 229 205 178

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
0 3 -125 7 44 -7 31 1
0 -0 -36 26 -30 -12 -30 -1
0 -0 180 -27 -17 19 1 12
Net Cash Flow 0 2 18 5 -4 0 2 12
Free Cash Flow -0 2 -125 0 35 -21 22 -8
CFO/OP 0% 220% -876% 33% 197% -28% 142% 16%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 7% 3% 12% 5% 1% 6% 10% 8%

Insights

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Mar 2015 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
GNPA (Gross Non-Performing Assets)
Percentage ・Standalone data

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Total Assets Under Management (AUM)
Rs. Lacs ・Standalone data
Total Customer Base / Number of Clients
Number ・Standalone data
Active Loan Accounts
Number ・Standalone data
Annual Loan Disbursements
Rs. Lacs ・Standalone data
Gold Loan AUM
Rs. Lacs ・Standalone data
Number of Branches
Number ・Standalone data
Employee Strength
Number ・Standalone data

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
55.36% 55.43% 55.46% 50.65% 51.61% 51.70% 51.70% 51.70% 51.70% 51.70% 55.25% 55.25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.08% 0.00% 0.15% 0.01% 0.05%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.11%
44.63% 44.56% 44.53% 49.34% 48.37% 48.28% 48.28% 48.19% 48.28% 48.13% 44.73% 44.59%
No. of Shareholders 4,2934,2934,4014,2674,4534,5034,6763,4913,4723,4233,4023,329

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Aug 2021
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  • May 2021
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  • Feb 2021
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  • Nov 2020
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  • Sep 2020
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  • Feb 2020
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  • Dec 2019
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  • Jun 2019
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  • Sep 2016
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