Mangal Credit And Fincorp Limited (MANCREDIT)

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Mangal Credit And Fincorp Limited (MANCREDIT) · mywealthgrid

About

Mangal Credit And Fincorp Limited is an NBFC operating in the Financials sector with a market capitalization of ₹499.5 Crore. The company demonstrates efficient operations with operating margins of 77.81% and recent revenue of ₹22.16 Crore (Jun 2026), generating consistent profitability. Strong recent stock performance (32% one-year return) reflects investor confidence in growth momentum.

Face value: ₹10

Market cap

₹462 Cr

P/E

25.7×

P/B

2.7×

Dividend yield

0.7%

ROE

9.8%

ROCE

—

Debt / equity

1.9

OPM

77.8%

EPS (TTM)

₹8.5

Book value

₹81.8

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

High financial leverage (D/E 1.9) is typical for NBFCs but limits flexibility if credit quality deteriorates or funding costs rise
Valuation at PE 27.77 with ROE of 9.77% leaves minimal buffer; if growth moderates, downside risk is significant
Operating margins jumped from 72.63% (Sep 2025) to 82.04% (Jun 2026); verify whether this reflects permanent efficiency gains or temporary factors
Minimal institutional ownership (FII 0.12%, DII 0.01%) concentrates liquidity among retail investors

Generated analysis · source review pending

Growth drivers

Revenue doubled from ₹11.66 Cr (Sep 2024) to ₹22.16 Cr (Jun 2026), establishing momentum that could sustain if lending demand continues
EPS grew from ₹1.48 (Sep 2025) to ₹2.7 (Jun 2026), outpacing revenue growth and compounding per-share returns
Operating margins reached 82.04% in Jun 2026 versus 72.63% a year prior; verify cost drivers to assess sustainability of further margin expansion
NBFC sector growth typically tracks credit cycle expansion and economic activity; verify current RBI policy environment and lending trends

Generated analysis · source review pending

1,914 historical price candles were omitted because the exchange source has not been verified.

₹219.0+0.7%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 77.8%
+Profit CAGR of 27.3% over the last 5 years
+Revenue CAGR of 49.2% over the last 5 years

Cons

−Low return on equity of 9.5% (3-yr avg)
−Heavily leveraged (debt/equity 1.9)
−Weak interest coverage of 1.7×

Research score

Structured signal from quality, growth, valuation and momentum.

64/100

Business quality: 32
Growth: 96
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7	8	9	8	21	33	50	70
Interest	4	1	2	1	5	10	18	32
Expenses	4	3	1	1	6	9	11	16
Financing profit	-1	4	6	6	11	15	20	22
Financing margin %	-18.2%	48.1%	63.8%	72.5%	52.5%	45.1%	39.9%	32.2%
Other income	3	0	—	2	0	0	0	0
Depreciation	—	—	0	0	1	1	1	2
Exceptional items	—	—	—	—	—	—	-0	0
Profit before tax	1	4	6	8	11	14	18	21
Tax	—	1	2	2	3	4	5	6
Tax %	—	34.6%	25.9%	24.5%	26.1%	26.2%	28.2%	26.6%
PAT	1	3	5	6	8	11	13	15
EPS (₹)	9.4	2.5	0.3	1.8	4.1	5.5	6.7	7.5
EPS adjusted (₹)	—	—	—	—	—	—	6.7	7.3
	0%	10.2%	17.9%	27.9%	12.2%	11%	11.2%	10.1%
Annual report	Annual report for Mar 2016	Annual report for Mar 2017	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	—

₹ Cr	Mar 2025	Mar 2026
Equity capital	20	21
Reserves	121	152
Minority interest	—	0
	200	329
	8	15
Total equity & liabilities	349	517
	2	4
CWIP	0	0
Investments	14	20
	333	492
Total assets	349	517

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-46	-54	-49	-114
	-0	-7	-5	-10
	56	56	60	139
Net cash flow	10	-5	6	15
Free cash flow	-46	-54	-50	-115
CFO / Operating profit %	-292.8%	-220.7%	-129.3%	-209.9%

Compounded sales growth

7 years: 40%
5 years: 49%
3 years: 49%
1 year: 41%

Compounded profit growth

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	46.8%	63.2%	84.6%	82.6%	74.1%	73.7%	77%	77.8%
EBIT margin %	46.8%	63.2%	82.4%	79.5%	71.6%	71.5%	74.5%	75.4%
PAT margin %	16.6%	32.5%	48.4%	67.4%	37.2%	31.8%	26.4%	21.9%
Working capital
Receivable days	—	—	—	—	—	—	—	—
Inventory days	—	—	—	—	—	—	0	0
Payable days	—	—	—	—	—	—	—	—
NWC days	—	—	—	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—	—	—	—
Debt to EBITDA	—	—	—	—	—	—	5.25	6.05
Debt to equity	—	—	—	—	—	—	1.42	1.9
Interest coverage	1.3	4.5	4	9.8	3.4	2.5	2	1.7
Asset turnover	—	—	—	—	—	—	0.14	0.14
Return ratios
Return on assets %	—	—	—	—	—	—	3.7%	3%
Return on capital employed %	—	—	—	—	—	—	—	—
Return on equity %	—	—	—	—	—	—	9.3%	8.9%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	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%	51.71%	51.71%	51.71%	51.71%	51.71%	55.25%	55.25%	55.25%	55.25%
	0%	0%	0%	0%	0%	0.09%	0%	0.15%	0.01%	0.05%	0%	0.12%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.11%	0.1%	0.01%
	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	44.53%	49.34%	48.38%	48.28%	48.28%	48.19%	48.28%	48.13%	44.73%	44.59%	44.65%	44.62%
No. of shareholders	—	—	—	—	—	—	—	—	3,402	3,329	3,226	3,331

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in Mangal Credit And Fincorp Limited. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Credit ratings

Documents link to external sources (exchange filings, company investor pages).

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Events

Upcoming dates and the company’s corporate-action history.

19

Final dividend11 Sept 2026 · ex-date₹0.75
Final dividend17 Sept 2025 · ex-date₹0.75
Final dividend17 Sept 2024 · ex-date₹0.6
Final dividend13 Sept 2023 · ex-date₹0.5
Final dividend20 Sept 2022 · ex-date₹0.5
Final dividend21 Sept 2021 · ex-date₹0.5
Final dividend22 Dec 2020 · ex-date₹0.5
Dividend dividend20 Sept 2019 · ex-date₹0.5
Dividend dividend19 Sept 2018 · ex-date₹0.05
Dividend dividend20 Sept 2017 · ex-date₹0.25
Dividend dividend22 Sept 2015 · ex-date₹0.5
Dividend dividend17 Sept 2013 · ex-date₹2
Dividend dividend11 Sept 2012 · ex-date₹2.5
Dividend dividend25 Aug 2011 · ex-date₹2
Dividend dividend3 Sept 2010 · ex-date₹2
Dividend dividend10 Sept 2009 · ex-date₹4
Dividend dividend5 Sept 2008 · ex-date₹2
Dividend dividend6 Sept 2007 · ex-date₹2
Dividend dividend7 Sept 2006 · ex-date₹2

1

Board meeting to consider results6 Aug 2026

1

Face value ₹10 → ₹117 May 2017 · ex-date

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

13 announcementsExport CSV

22 Sept 2026, 4:14 pmAGM/EGM

Shareholder Meeting / Postal Ballot-Outcome of AGM

AGM PDF

18 Sept 2026, 5:54 pmCompany Update

Clarification To 7Th Resolution Titled As 'Authorization To Create, Offer, Issue And Allot Convertible Equity Warrants On A Preferential Basis' Read With The Corresponding Disclosures Contained In The Item No.7 Of The Explanatory Statement Of The Notice Convening 64Th Annual General Meeting.

General PDF

9 Sept 2026, 11:58 amCompany Update

Announcement under Regulation 30 (LODR)-Allotment

Allotment of Equity Shares PDF

2 Sept 2026, 12:37 pmCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

31 Aug 2026, 4:30 pmOthers

Reg. 34 (1) Annual Report.

Reg. 34 (1) Annual Report PDF

31 Aug 2026, 4:21 pmAGM/EGM

Notice Of 64Th Annual General Meeting To Be Held On Tuesday, 22Nd September, 2026, At 12.30 P.M. Through Video Conferencing (''''VC'''') Facility / Other Audio Visual Means (''''OAVM'''')

AGM PDF

25 Aug 2026, 4:40 pmCompany Update

Announcement Under Regulation 30 (LODR) - Newspaper Publication

General PDF

14 Aug 2026, 4:22 pmBoard Meeting

Board Meeting Outcome for Considering And Approving The New Issuance Of Non-Convertible Debentures To Be Alloted On Private Placement Basis.

Outcome of Board Meeting PDF

Date	Category	Subject	Filing
22 Sept 2026, 4:14 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Outcome of AGM	PDF
18 Sept 2026, 5:54 pm	Company Update General	Clarification To 7Th Resolution Titled As 'Authorization To Create, Offer, Issue And Allot Convertible Equity Warrants On A Preferential Basis' Read With The Corresponding Disclosures Contained In The Item No.7 Of The Explanatory Statement Of The Notice Convening 64Th Annual General Meeting.

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Ratio	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	46.8%	63.2%	84.6%	82.6%	74.1%	73.7%	77%	77.8%
EBIT margin %	46.8%	63.2%	82.4%	79.5%	71.6%	71.5%	74.5%	75.4%
PAT margin %	16.6%	32.5%	48.4%	67.4%	37.2%	31.8%	26.4%	21.9%
Working capital
Receivable days	—	—	—	—	—	—	—	—
Inventory days	—	—	—	—	—	—	0	0
Payable days	—	—	—	—	—	—	—	—
NWC days	—	—	—	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—	—	—	—
Debt to EBITDA	—	—	—	—	—	—	5.25	6.05
Debt to equity	—	—	—	—	—	—	1.42	1.9
Interest coverage	1.3	4.5	4	9.8	3.4	2.5	2	1.7
Asset turnover	—	—	—	—	—	—	0.14	0.14
Return ratios
Return on assets %	—	—	—	—	—	—	3.7%	3%
Return on capital employed %	—	—	—	—	—	—	—	—
Return on equity %	—	—	—	—	—	—	9.3%	8.9%

1 disclosure

Person	Deal	Shares	Value	Holding	Filed
Mr. Hardik Meghraj JainPromoters	BuyConversion of security	15,50,000	₹17.05 cr	4.23% → 11.26%	20 Aug 20257(2)

Disclosed under SEBI’s insider-trading regulations, which require a filing only above ₹10 lakh in a quarter — smaller dealings are in no disclosure. Holdings are the filer’s own percentages, not recomputed.

76 deals · 14 Jan 2022 – 28 Aug 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
28 Aug 2026	LUNOVA VENTURES LLP	Bulk	NSE	Buy	1,25,700	₹239.76	₹3.01 Cr
21 Aug 2026	KURJIBHAI PREMJIBHAI RUPARELIYA	Bulk	NSE	Sell	1,10,000	₹218.21	₹2.40 Cr
10 Aug 2026	JAYDEEP CHANDUBHAI KOTWANI	Bulk	NSE	Buy	1,50,000	₹235.00	₹3.53 Cr
10 Aug 2026	BRIJESH JAMANBHAI SANGHANI	Bulk	NSE	Sell	1,15,600	₹235.25	₹2.72 Cr
6 Aug 2026	BULLPULSE MARKETEDGE PRIVATE LIMITED	Bulk	NSE	Sell	2,97,188	₹250.01	₹7.43 Cr
6 Aug 2026	BULLPULSE MARKETEDGE PRIVATE LIMITED	Bulk	NSE	Buy	2,97,188	₹250.85	₹7.45 Cr
27 Jul 2026	BULLPULSE MARKETEDGE PRIVATE LIMITED	Bulk	NSE	Buy	2,98,457	₹234.87	₹7.01 Cr
27 Jul 2026	BULLPULSE MARKETEDGE PRIVATE LIMITED	Bulk	NSE	Sell	2,98,457	₹235.76	₹7.04 Cr
27 Jul 2026	QE SECURITIES LLP	Bulk	NSE	Buy	1,14,812	₹233.62	₹2.68 Cr
27 Jul 2026	QE SECURITIES LLP	Bulk	NSE	Sell	1,13,005	₹235.13	₹2.66 Cr

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Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

Mangal Credit And Fincorp Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Annual reports

Credit ratings

Events

Dividends19

Board meetings1

Stock splits1

Announcements

Ratio timeline

Not in the F&O segment

No fund holdings on record

Quarterly record

Insider dealing

Bulk & block deals

Board and management

Dividends19

Board meetings1

Stock splits1

Announcements

Annual reports

Credit ratings

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

19

1

1

19

1

1