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Overview

Detailed Summary

Mangal Credit & Fincorp Ltd is a non-banking financial company based in Mumbai, Maharashtra, providing various loans to a diverse customer base.
Originally, the company had a rich history of technical collaborations for manufacturing electric hoists and conveyor systems, showcasing its industrial legacy.
The company in recent years has pivoted fully to financial services, focusing on non-banking financial products and loan offerings.
Significant changes include a major bonus and preferential equity issues to fund debt repayment and expansionary measures in 2015-16.
Mangal Credit & Fincorp has dissolved multiple subsidiary businesses, refining its focus exclusively on its core financial operations.

Sector: Finance
Industry: NBFC-Others
Market Cap: 360 Cr
Volatility: Low Risk
P/E Ratio: 40.7
Industry P/E: 28.3
PEG Ratio: 1.4
P/B Ratio: 2.3
52W High: 219.30
52W Low: 150.00

Sales CAGR

1Y: -8.76%
3Y: 50.25%
5Y: 41.10%
10Y: 25.02%

Profit CAGR

1Y: -19.77%
3Y: 29.04%
5Y: 3.95%
10Y: 31.69%

ROE

TTM: 7.64%
3Y: 8.30%
5Y: 7.40%
10Y: 7.01%

ROCE

TTM: 9.15%
3Y: 10.76%
5Y: 10.12%
10Y: 10.27%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MONEYBOXX	66.29	407 Cr	-96.96	1.55	0.00	-1.74	7.90	-0.48
AVONMORE	13.80	401 Cr	16.24	1.06	0.00	3.71	7.89	6.45
NAHARCAP	226.70	379 Cr	5.74	0.23	0.66	3.61	4.17	3.62
MUTHOOTCAP	213.65	374 Cr	28.76	0.57	0.00	2.61	8.41	0.33
MANCREDIT	169.30	360 Cr	40.68	2.28	0.41	7.64	9.15	2.76
PURPLEFIN	56.27	349 Cr	-29.70	2.77	0.00	-11.26	-5.35	-5.30
MKVENTURES	825.00	324 Cr	65.58	2.93	0.15	7.12	11.55	4.12

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2013	Jun 2018	Sep 2018	Dec 2018	Jun 2019	Sep 2019	Dec 2019
Revenue	1.48	24	7.35	14	12	5.55	8.84
Expenses	-0.49	19	15	3.80	8.44	4.57	4.00
Interest	0.83	2.17	2.42	1.88	1.74	1.65	1.53
Financing Profit	1.14	2.94	-11	8.57	2.16	-0.67	3.31
Financing Margin %	77.03	12.14	-142.86	60.14	17.50	-12.07	37.44
Other Income	0.01	1.39	2.31	1.42	1.10	1.27	0.93
Depreciation	0.03	0.33	1.80	1.86	1.71	1.79	1.91
Profit Before Tax	0.29	4.00	-10	8.13	1.54	-1.19	2.33
Tax %	0.00	30.50	-3.90	4.92	33.77	-50.42	15.88
Net Profit	0.29	2.78	-10	7.93	1.03	-1.92	1.96
EPS in Rs	—	13.17	-49.21	3.66	0.48	-0.91	0.92
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
Revenue	2.77	3.72	215	238	143	79	110	99	41
Expenses	1.23	1.84	200	213	126	61	91	79	21
Interest	0.32	1.41	12	19	13	6.67	7.89	9.16	6.80
Financing Profit	1.22	0.48	2.34	6.25	4.69	12	12	11	13
Financing Margin %	43.92	12.83	1.09	2.63	3.27	15.06	10.48	11.00	32.63
Other Income	0.05	0.79	3.37	3.43	5.79	4.61	6.14	6.14	4.72
Depreciation	0.01	0.10	1.64	5.67	7.13	9.16	5.65	6.58	7.27
Profit Before Tax	1.26	1.17	4.07	4.00	3.35	7.38	12	10	11
Tax %	21.46	19.93	24.76	32.97	43.08	36.98	21.89	27.97	16.74
Net Profit	0.99	0.93	3.04	2.68	1.91	4.65	9.41	7.55	9.00
EPS in Rs	—	—	—	—	—	—	—	—	4.16
Dividend Payout %	17.84	15.07	9.08	3.59	0.00	131.58	1.07	13.48	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	0.71	0.71	1.41	1.41	16	16	19	19
Reserves	14	15	31	32	51	56	72	74
Borrowings	0.00	21	187	162	66	70	65	70
Other Liabilities	2.05	3.06	83	71	66	78	73	42
Total Liabilities	16	40	303	267	199	221	229	205
Fixed Assets	0.10	0.60	24	21	22	27	26	22
CWIP	0.00	0.00	0.17	0.00	0.00	0.00	0.37	6.94
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	16	40	279	246	176	194	203	176
Total Assets	16	40	303	267	199	221	229	205

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Cash from Operating Activity	-10	2.54	-118	6.87	44	-7.04	31	1.28
Cash from Investing Activity	8.83	-0.42	-61	26	-30	-12	-30	-1.40
Cash from Financing Activity	-0.14	-0.18	180	-27	-17	19	0.64	12
Net Cash Flow	-1.31	1.94	1.39	5.49	-3.87	0.01	1.77	12

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Aug 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Aug 2025	Sep 2025	Dec 2025
Promoters	55.46%	50.65%	51.61%	51.71%	51.71%	51.71%	51.71%	51.71%	51.71%	55.25%	55.25%	55.25%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.09%	0.00%	0.15%	0.20%	0.01%	0.05%
DIIs	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.11%
Public	44.53%	49.34%	48.38%	48.29%	48.29%	48.28%	48.20%	48.29%	48.14%	44.54%	44.73%	44.59%
Total Shareholders	4,401	4,267	4,453	4,503	4,341	4,676	3,491	3,472	3,423	3,397	3,402	3,329

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