MANCREDIT Stock Overview

Operates as a non-banking financial company in India. More details

MANCREDIT fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	4/6
Financial Health	2/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (24.4x) is below the Indian market (25.8x)

Earnings grew by 28.8% over the past year

Risk Analysis

Interest payments are not well covered by earnings

Does not have a meaningful market cap (₹3B)

Dividend of 0.37% is not well covered by free cash flows

Community vs My Fair Value

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Mangal Credit and Fincorp Limited Competitors

Akme Fintrade (India)

NSEI:AFIL

₹3.0b

Muthoot Capital Services

BSE:511766

₹4.4b

GAMCO

BSE:540097

₹2.8b

Regency Fincorp

BSE:540175

₹1.9b

Price History & Performance

Summary of share price highs, lows and changes for Mangal Credit and Fincorp
Historical stock prices
Current Share Price	₹161.58
52 Week High	₹190.00
52 Week Low	₹126.10
Beta	0.32
1 Month Change	1.37%
3 Month Change	10.51%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	11.22%

Recent updates

Shareholder Returns

	MANCREDIT	IN Consumer Finance	IN Market
7D	-1.1%	6.8%	5.7%
1Y	n/a	26.7%	4.2%

Return vs Industry: Insufficient data to determine how MANCREDIT performed against the Indian Consumer Finance industry.

Return vs Market: Insufficient data to determine how MANCREDIT performed against the Indian Market.

Price Volatility

Is MANCREDIT's price volatile compared to industry and market?
MANCREDIT volatility
MANCREDIT Average Weekly Movement	5.4%
Consumer Finance Industry Average Movement	6.2%
Market Average Movement	7.0%
10% most volatile stocks in IN Market	9.5%
10% least volatile stocks in IN Market	4.7%

Stable Share Price: MANCREDIT has not had significant price volatility in the past 3 months compared to the Indian market.

Volatility Over Time: MANCREDIT's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1961	103	n/a	mangalfincorp.com

Mangal Credit and Fincorp Limited operates as a non-banking financial company in India. It offers small and medium enterprises, gold, and personal loans, as well as loan against property; and credit services. The company was formerly known as Tak Machinery & Leasing Limited and changed its name to Mangal Credit and Fincorp Limited in June 2013.

Mangal Credit and Fincorp Limited Fundamentals Summary

How do Mangal Credit and Fincorp's earnings and revenue compare to its market cap?
MANCREDIT fundamental statistics
Market cap	₹3.18b
Earnings (TTM)	₹130.43m
Revenue (TTM)	₹456.43m

24.4x

P/E Ratio

7.0x

P/S Ratio

Is MANCREDIT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MANCREDIT income statement (TTM)
Revenue	₹456.43m
Cost of Revenue	₹8.98m
Gross Profit	₹447.45m
Other Expenses	₹317.02m
Earnings	₹130.43m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.67
Gross Margin	98.03%
Net Profit Margin	28.58%
Debt/Equity Ratio	128.5%

How did MANCREDIT perform over the long term?

See historical performance and comparison

Dividends

0.4%

Current Dividend Yield

11%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/23 00:52
End of Day Share Price	2025/03/21 00:00
Earnings	2024/12/31
Annual Earnings	2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Mangal Credit and Fincorp Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Mangal Credit and Fincorp NSEI:MANCREDIT Stock Report