Mangal Credit & Fincorp Ltd

₹ 219 -0.80%

01 Oct - 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 ₹ 462 Cr.
Current Price ₹ 219
High / Low ₹ 287 / 152
Stock P/E 66.1
Book Value ₹ 49.2
Dividend Yield 0.34 %
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 4.45 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.

* 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)

Part of BSE Financial Services

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Detailed Comparison with:

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:	30%
1 Year:	19%

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 / 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

In beta

Mar 2016

Mar 2017

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Mar 2019

Mar 2020

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Mar 2022

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Assets Under Management (AUM)
INR crore ・Standalone data

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					x,xxx	x,xxx	x,xxx	x,xxx	xx,xxx
					x,xxx	x,xxx	x,xxx	x,xxx	xx,xxx
						xx		xx	xx

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90+ DPD (Asset Quality)
% ・Standalone data

Active Loan Accounts
count ・Standalone data

Total Disbursements
INR lakh ・Standalone data

Gold Loan AUM
INR lakh ・Standalone data

MSME/Business Loan AUM
INR lakh ・Standalone data

Number of Branches
count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

30 Recently

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	55.46%	50.65%	51.61%	51.70%	51.70%	51.70%	51.70%	51.70%	55.25%	55.25%	55.25%	55.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.08%	0.00%	0.15%	0.01%	0.05%	0.00%	0.12%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.11%	0.10%	0.01%
	44.53%	49.34%	48.37%	48.28%	48.28%	48.19%	48.28%	48.13%	44.73%	44.59%	44.65%	44.62%
No. of Shareholders	4,401	4,267	4,453	4,503	4,676	3,491	3,472	3,423	3,402	3,329	3,226	3,331

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	41.32%	49.28%	54.12%	58.24%	61.02%	62.36%	55.36%	51.61%	51.70%	55.25%	55.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.12%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.10%	0.01%
	0.00%	0.00%	0.00%	0.00%	0.26%	0.64%	0.00%	0.00%	0.00%	0.00%	0.00%
	58.67%	50.72%	45.87%	41.76%	38.71%	36.99%	44.63%	48.37%	48.28%	44.65%	44.62%
No. of Shareholders	3,318	5,822	5,224	4,601	4,468	4,656	4,293	4,453	3,472	3,226	3,331

* 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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