Arthneeti

Mangal Credit & Fincorp Share Price & Earnings Call Analysis

₹239.68-0.17% today
Market cap
₹506 Cr
P/E
28.14
ROE
9.77%
PEG
1.14
Price to sales
6.52
Debt to equity
1.92
52W high / low
₹257 / ₹157
Sales growth (5Y)
43.95%
EBITDA margin
78.86%
Net profit margin
21.88%
Promoter holding
55.25%
Sales (last year)
₹78 Cr

Mangal Credit and Fincorp Ltd is an RBI-registered, non-deposit-taking Base Layer NBFC that lends to individuals, self-employed borrowers and small businesses through gold loans, MSME/business loans, loans against property and personal loans. It operates through branches in Maharashtra, Gujarat and Rajasthan. [1]

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Mangal Credit rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of Mangal Credit

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Mangal Credit

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +50.65%51.61%51.70%51.70%51.70%51.70%51.70%55.25%55.25%55.25%55.25%55.25%
FIIs +0.00%0.00%0.00%0.00%0.08%0.00%0.15%0.01%0.05%0.00%0.12%0.27%
DIIs +0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.11%0.10%0.01%0.01%
Public +49.34%48.37%48.28%48.28%48.19%48.28%48.13%44.73%44.59%44.65%44.62%44.48%
No. of Shareholders4,2674,4534,5034,6763,4913,4723,4233,4023,3293,2263,3313,512

Financials of Mangal Credit

Quarterly Results

Quarter-by-quarter operating performance

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +7.497.608.689.4311.8711.6612.6813.3714.4715.8218.3121.3022.16
YoY Revenue growth+93.04%+57.02%+48.38%+42.66%+58.48%+53.42%+46.08%+41.78%+21.90%+35.68%+44.40%+59.31%+53.14%
Interest2.182.222.342.753.884.394.765.376.426.958.559.4410.02
Expenses +1.881.652.252.972.422.662.863.473.654.334.123.973.98
Financing Profit3.433.734.093.715.574.615.064.534.404.545.647.898.16
Financing Margin %45.79%49.08%47.12%39.34%46.93%39.54%39.91%33.88%30.41%28.70%30.80%37.04%36.82%
Other Income +0.070.010.000.000.000.000.00-0.330.000.030.030.010.00
Depreciation0.160.170.180.210.250.280.320.380.310.440.460.470.49
Profit before tax3.343.573.913.505.324.334.743.824.094.135.217.437.67
Tax %26.35%26.33%26.85%26.00%29.51%25.40%26.58%31.41%26.41%27.60%26.68%26.24%25.81%
Net Profit +2.472.632.862.593.753.223.482.623.002.983.835.485.69
EPS in Rs1.281.361.481.321.921.651.781.341.531.411.812.602.69
Gross NPA %1.27%1.31%
Net NPA %0.69%0.75%

Financials of Mangal Credit

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +128910101611152133507078
Revenue growth+10%-37%+8%+15%+6%+55%-30%+30%+45%+56%+49%+41%+49%
Interest94121012510183235
Expenses +3431222469111616
Financing Profit1-146814891115202326
Financing Margin %6%-9%51%66%76%84%74%61%53%45%40%32%34%
Other Income +1300000000-000
Depreciation1100000011122
Profit before tax1146814891114182124
Tax %33%19%34%27%24%21%30%30%27%26%28%27%
Net Profit +113561166811131518
EPS in Rs1.550.691.692.373.115.572.963.154.105.396.687.258.51
Dividend Payout %8%0%15%21%16%9%17%16%12%11%11%10%

Financials of Mangal Credit

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital11616191919191919202021
Reserves304851616676808793108121152
Borrowing46318826142987138200332
Other Liabilities +131142232248812
Total Liabilities9177899089104116138203274349517
Fixed Assets +112121141515151518
CWIP000000000000
Investments261615322615151716141420
Other Assets +63607257618786106173244320479
Total Assets9177899089104116138203274349517

Financials of Mangal Credit

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +48-0-8152-9-5-11-46-54-49-114
Cash from Investing Activity +36100-1567-1-0-0-7-5-10
Cash from Financing Activity +-81-128-1-83512565660139
Net Cash Flow3-30-101-1110-5615
Free Cash Flow48-1-8152-10-5-11-46-54-50-115

Financials of Mangal Credit

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1%1%4%6%7%12%6%6%7%9%10%10%

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