Mangal Credit and Fincorp Ltd.

•

₹ 218.06-2.89%

2026-08-21

mangalfincorp.comBSE: 505850NSE: MANCREDIT

Market Cap₹ 474 Cr.

Current Price₹ 225

High / Low₹ 287 / 152

Stock P/E66.1

Book Value—

Price to Book—

Dividend Yield0.33 %

ROCE12.1 %

ROE8.2 %

Face Value₹ 10

Add ratio to table

ABOUT

KEY POINTS

Revenue Breakup Mar 2019 • Logistics: 29.6% • Marbles: 22.0% • Construction: 13.3% • Renting of Movable Assets: 13.0% • Broking: 12.5% • Finance: 9.5%

PROS

Comfortable capital adequacy - CAR of 41.1%
Solid return on assets for a lender - ROA of 4.2%
Promoters have been increasing their shareholding - up 3.5pp over 2 years
Asset quality is healthy - gross NPA of just 1.2%
Operating margins have improved to 26.4% from 16.5%
Company has consistently been profitable over the last 5 years

CONS

A large part of profit comes from other income (58.9% of PBT)
Company has a low return on equity of 9.1% over last 3 years
Company has a low return on capital employed of 11.6%
Company's sales have been declining over the last five years
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJFINANCE	1078.60	33.07	671531.43	0.56	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1104.90	22.97	259981.15	0.98	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	242.70	77.55	160258.25	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1866.25	27.72	159390.07	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	365.15	28.68	155001.39	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11322.85	14.23	126015.97	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2859.20	10.09	114787.87	1.05	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.75	26.46	108592.29	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.80	78940.44	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	626.30	0.00	59601.37	0.40	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	681.15	26.00	56579.31	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MANCREDIT	224.35	66.08	473.69	0.33	5.69	89.70	22.16	53.13	12.13	82.04

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

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
	3	4	215	238	143	79	110	99
	1	2	200	213	126	61	91	79
Operating Profit	2	3	18	28	24	23	26	26
OPM %	57	72	8	12	16	29	23	26
Other Income	0	1	3	4	6	5	6	6
Interest	0	1	12	19	13	7	8	9
Depreciation	0	0	2	6	7	9	6	7
	1	1	4	4	3	7	12	10
Tax %	21	20	25	33	43	37	22	28
Net Profit	1	1	3	3	2	5	9	8
EPS	14	13	22	14	1	0	5	4
Dividend Payout %	18	15	10	4	0	10	11	13
Minority Interest	0	0	-0	-1	-0	-1	-1	-0
Share of Associates	0	0	0	0	0	0	0	0
Adjusted EPS	2	2	3	2	1	2	4	4
Minority Interest	0	0	-0	-1	-0	-1	-1	-0
Share of Associates	0	0	0	0	0	0	0	0
Adjusted EPS	2	2	3	2	1	2	4	4

Mar 2012

: 3
: 1
Operating Profit: 2
OPM %: 57
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 21
Net Profit: 1
EPS: 14
Dividend Payout %: 18
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 2
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 2

Mar 2013

: 4
: 2
Operating Profit: 3
OPM %: 72
Other Income: 1
Interest: 1
Depreciation: 0
: 1
Tax %: 20
Net Profit: 1
EPS: 13
Dividend Payout %: 15
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 2
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 2

Mar 2014

: 215
: 200
Operating Profit: 18
OPM %: 8
Other Income: 3
Interest: 12
Depreciation: 2
: 4
Tax %: 25
Net Profit: 3
EPS: 22
Dividend Payout %: 10
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 3
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 3

Mar 2015

: 238
: 213
Operating Profit: 28
OPM %: 12
Other Income: 4
Interest: 19
Depreciation: 6
: 4
Tax %: 33
Net Profit: 3
EPS: 14
Dividend Payout %: 4
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 2
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 2

Mar 2016

: 143
: 126
Operating Profit: 24
OPM %: 16
Other Income: 6
Interest: 13
Depreciation: 7
: 3
Tax %: 43
Net Profit: 2
EPS: 1
Dividend Payout %: 0
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 1
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 1

Mar 2017

: 79
: 61
Operating Profit: 23
OPM %: 29
Other Income: 5
Interest: 7
Depreciation: 9
: 7
Tax %: 37
Net Profit: 5
EPS: 0
Dividend Payout %: 10
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 2
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 2

Mar 2018

: 110
: 91
Operating Profit: 26
OPM %: 23
Other Income: 6
Interest: 8
Depreciation: 6
: 12
Tax %: 22
Net Profit: 9
EPS: 5
Dividend Payout %: 11
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 4
Minority Interest: -1
Share of Associates: 0
Adjusted EPS: 4

Mar 2019

: 99
: 79
Operating Profit: 26
OPM %: 26
Other Income: 6
Interest: 9
Depreciation: 7
: 10
Tax %: 28
Net Profit: 8
EPS: 4
Dividend Payout %: 13
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 4
Minority Interest: -0
Share of Associates: 0
Adjusted EPS: 4

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: -14%
3 Years:: -12%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 20%
3 Years:: 72%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: 23%

RETURN ON EQUITY

10 Years:: —
5 Years:: 8%
3 Years:: 9%
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
LIABILITIES	-	-	-	-	-	-	-	-
Equity Capital	1	1	1	1	16	16	19	19
	14	14	31	32	47	51	72	74
	0	20	178	153	45	47	27	40
Trade Payables	2	2	58	32	38	36	29	24
	1	3	34	48	54	70	82	48
Total Liabilities	17	40	303	267	199	221	229	205
ASSETS	-	-	-	-	-	-	-	-
	0	1	24	19	22	27	26	22
Capital Work in Progress	0	0	0	2	0	0	0	7
	2	3	1	2	2	2	17	17
	1	2	84	94	16	30	18	0
	0	0	0	0	0	0	0	0
Cash & Bank	1	3	39	24	36	29	31	43
	12	32	154	126	123	133	137	116
Total Assets	17	40	303	267	199	221	229	205
Total Debt	0	20	189	164	67	78	67	73
Net Working Capital	1	11	14	24	60	61	75	69
Contingent Liabilities	0	0	99	12	19	53	142	45
Book Value per Share	202.80	211.07	230.98	239.97	39.44	41.91	4.73	48.28
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	1.00	10.00
Total Debt	0	20	189	164	67	78	67	73
Net Working Capital	1	11	14	24	60	61	75	69
Contingent Liabilities	0	0	99	12	19	53	142	45
Book Value per Share	202.80	211.07	230.98	239.97	39.44	41.91	4.73	48.28
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	1.00	10.00

Mar 2012

Equity Capital: 1
: 14
: 0
Trade Payables: 2
: 1
Total Liabilities: 17
: 0
Capital Work in Progress: 0
: 2
: 1
: 0
Cash & Bank: 1
: 12
Total Assets: 17
Total Debt: 0
Net Working Capital: 1
Contingent Liabilities: 0
Book Value per Share: 202.80
Face Value: 10.00
Total Debt: 0
Net Working Capital: 1
Contingent Liabilities: 0
Book Value per Share: 202.80
Face Value: 10.00

Mar 2013

Equity Capital: 1
: 14
: 20
Trade Payables: 2
: 3
Total Liabilities: 40
: 1
Capital Work in Progress: 0
: 3
: 2
: 0
Cash & Bank: 3
: 32
Total Assets: 40
Total Debt: 20
Net Working Capital: 11
Contingent Liabilities: 0
Book Value per Share: 211.07
Face Value: 10.00
Total Debt: 20
Net Working Capital: 11
Contingent Liabilities: 0
Book Value per Share: 211.07
Face Value: 10.00

Mar 2014

Equity Capital: 1
: 31
: 178
Trade Payables: 58
: 34
Total Liabilities: 303
: 24
Capital Work in Progress: 0
: 1
: 84
: 0
Cash & Bank: 39
: 154
Total Assets: 303
Total Debt: 189
Net Working Capital: 14
Contingent Liabilities: 99
Book Value per Share: 230.98
Face Value: 10.00
Total Debt: 189
Net Working Capital: 14
Contingent Liabilities: 99
Book Value per Share: 230.98
Face Value: 10.00

Mar 2015

Equity Capital: 1
: 32
: 153
Trade Payables: 32
: 48
Total Liabilities: 267
: 19
Capital Work in Progress: 2
: 2
: 94
: 0
Cash & Bank: 24
: 126
Total Assets: 267
Total Debt: 164
Net Working Capital: 24
Contingent Liabilities: 12
Book Value per Share: 239.97
Face Value: 10.00
Total Debt: 164
Net Working Capital: 24
Contingent Liabilities: 12
Book Value per Share: 239.97
Face Value: 10.00

Mar 2016

Equity Capital: 16
: 47
: 45
Trade Payables: 38
: 54
Total Liabilities: 199
: 22
Capital Work in Progress: 0
: 2
: 16
: 0
Cash & Bank: 36
: 123
Total Assets: 199
Total Debt: 67
Net Working Capital: 60
Contingent Liabilities: 19
Book Value per Share: 39.44
Face Value: 10.00
Total Debt: 67
Net Working Capital: 60
Contingent Liabilities: 19
Book Value per Share: 39.44
Face Value: 10.00

Mar 2017

Equity Capital: 16
: 51
: 47
Trade Payables: 36
: 70
Total Liabilities: 221
: 27
Capital Work in Progress: 0
: 2
: 30
: 0
Cash & Bank: 29
: 133
Total Assets: 221
Total Debt: 78
Net Working Capital: 61
Contingent Liabilities: 53
Book Value per Share: 41.91
Face Value: 10.00
Total Debt: 78
Net Working Capital: 61
Contingent Liabilities: 53
Book Value per Share: 41.91
Face Value: 10.00

Mar 2018

Equity Capital: 19
: 72
: 27
Trade Payables: 29
: 82
Total Liabilities: 229
: 26
Capital Work in Progress: 0
: 17
: 18
: 0
Cash & Bank: 31
: 137
Total Assets: 229
Total Debt: 67
Net Working Capital: 75
Contingent Liabilities: 142
Book Value per Share: 4.73
Face Value: 1.00
Total Debt: 67
Net Working Capital: 75
Contingent Liabilities: 142
Book Value per Share: 4.73
Face Value: 1.00

Mar 2019

Equity Capital: 19
: 74
: 40
Trade Payables: 24
: 48
Total Liabilities: 205
: 22
Capital Work in Progress: 7
: 17
: 0
: 0
Cash & Bank: 43
: 116
Total Assets: 205
Total Debt: 73
Net Working Capital: 69
Contingent Liabilities: 45
Book Value per Share: 48.28
Face Value: 10.00
Total Debt: 73
Net Working Capital: 69
Contingent Liabilities: 45
Book Value per Share: 48.28
Face Value: 10.00

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
	-10	3	-118	7	44	-7	31	1
Cash from Investing	9	-1	-61	26	-30	-12	-30	-1
Cash from Financing	-0	-0	180	-27	-18	19	1	12
	-1	1	1	5	-4	0	2	12
Free Cash Flow	-10	-2	-143	7	36	-18	27	-6
OCF / Net Profit	-10.15	2.72	-38.78	2.56	22.94	-1.51	3.34	0.17
Cumulative 5-Year FCF	0	0	0	0	0	-120	-91	46
OCF / Net Profit	-10.15	2.72	-38.78	2.56	22.94	-1.51	3.34	0.17
Cumulative 5-Year FCF	0	0	0	0	0	-120	-91	46

Mar 2012

: -10
Cash from Investing: 9
Cash from Financing: -0
: -1
Free Cash Flow: -10
OCF / Net Profit: -10.15
Cumulative 5-Year FCF: 0
OCF / Net Profit: -10.15
Cumulative 5-Year FCF: 0

Mar 2013

: 3
Cash from Investing: -1
Cash from Financing: -0
: 1
Free Cash Flow: -2
OCF / Net Profit: 2.72
Cumulative 5-Year FCF: 0
OCF / Net Profit: 2.72
Cumulative 5-Year FCF: 0

Mar 2014

: -118
Cash from Investing: -61
Cash from Financing: 180
: 1
Free Cash Flow: -143
OCF / Net Profit: -38.78
Cumulative 5-Year FCF: 0
OCF / Net Profit: -38.78
Cumulative 5-Year FCF: 0

Mar 2015

: 7
Cash from Investing: 26
Cash from Financing: -27
: 5
Free Cash Flow: 7
OCF / Net Profit: 2.56
Cumulative 5-Year FCF: 0
OCF / Net Profit: 2.56
Cumulative 5-Year FCF: 0

Mar 2016

: 44
Cash from Investing: -30
Cash from Financing: -18
: -4
Free Cash Flow: 36
OCF / Net Profit: 22.94
Cumulative 5-Year FCF: 0
OCF / Net Profit: 22.94
Cumulative 5-Year FCF: 0

Mar 2017

: -7
Cash from Investing: -12
Cash from Financing: 19
: 0
Free Cash Flow: -18
OCF / Net Profit: -1.51
Cumulative 5-Year FCF: -120
OCF / Net Profit: -1.51
Cumulative 5-Year FCF: -120

Mar 2018

: 31
Cash from Investing: -30
Cash from Financing: 1
: 2
Free Cash Flow: 27
OCF / Net Profit: 3.34
Cumulative 5-Year FCF: -91
OCF / Net Profit: 3.34
Cumulative 5-Year FCF: -91

Mar 2019

: 1
Cash from Investing: -1
Cash from Financing: 12
: 12
Free Cash Flow: -6
OCF / Net Profit: 0.17
Cumulative 5-Year FCF: 46
OCF / Net Profit: 0.17
Cumulative 5-Year FCF: 46

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
PER SHARE	-	-	-	-	-	-	-	-
EPS (₹)	14.01	13.27	20.55	13.91	0.89	2.49	0.43	3.71
Book Value (₹)	202.80	211.07	230.98	239.97	39.44	41.91	4.73	48.28
Dividend per Share (₹)	2.50	2.00	2.00	0.50	0.00	0.25	0.05	0.50
Cash EPS (₹)	2.36	2.44	5.52	9.86	5.70	8.56	7.80	7.31
PROFITABILITY	-	-	-	-	-	-	-	-
Operating Margin %	57.29%	71.70%	8.21%	11.94%	16.45%	29.28%	23.21%	26.43%
Net Margin %	35.63%	25.08%	1.42%	1.13%	1.33%	5.87%	8.54%	7.61%
ROE %	6.91%	6.41%	12.81%	8.09%	3.97%	7.16%	11.85%	8.18%
ROCE %	11.04%	10.15%	12.40%	10.85%	9.91%	9.89%	12.94%	12.08%
	5.85%	3.26%	1.77%	0.94%	0.82%	2.22%	4.18%	3.47%
EFFICIENCY	-	-	-	-	-	-	-	-
Debtor Days	0	3	51	79	84	110	90	103
Inventory Days	191	173	73	137	140	105	79	33
Payable Days	790	776	59	84	124	314	159	153
	-599	-599	65	132	100	-99	11	-17
FINANCIAL HEALTH	-	-	-	-	-	-	-	-
Debt to Equity (x)	0.00x	1.37x	5.80x	4.86x	1.08x	1.15x	0.74x	0.79x
Interest Coverage (x)	4.91x	1.83x	1.34x	1.21x	1.26x	2.11x	2.53x	2.14x
	1.27x	1.47x	1.06x	1.11x	1.59x	1.56x	1.86x	2.00x
GROWTH	-	-	-	-	-	-	-	-
Revenue Growth %	0.00%	34.57%	5661.03%	10.81%	-39.69%	-44.76%	39.13%	-9.99%
Operating Profit Growth %	0.00%	68.42%	559.44%	61.22%	-16.91%	-1.69%	10.30%	2.48%
Net Profit Growth %	0.00%	-5.26%	225.03%	-11.61%	-28.94%	143.76%	102.46%	-19.83%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VALUATION	-	-	-	-	-	-	-	-
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x

Mar 2012

EPS (₹): 14.01
Book Value (₹): 202.80
Dividend per Share (₹): 2.50
Cash EPS (₹): 2.36
Operating Margin %: 57.29%
Net Margin %: 35.63%
ROE %: 6.91%
ROCE %: 11.04%
: 5.85%
Debtor Days: 0
Inventory Days: 191
Payable Days: 790
: -599
Debt to Equity (x): 0.00x
Interest Coverage (x): 4.91x
: 1.27x
Revenue Growth %: 0.00%
Operating Profit Growth %: 0.00%
Net Profit Growth %: 0.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2013

EPS (₹): 13.27
Book Value (₹): 211.07
Dividend per Share (₹): 2.00
Cash EPS (₹): 2.44
Operating Margin %: 71.70%
Net Margin %: 25.08%
ROE %: 6.41%
ROCE %: 10.15%
: 3.26%
Debtor Days: 3
Inventory Days: 173
Payable Days: 776
: -599
Debt to Equity (x): 1.37x
Interest Coverage (x): 1.83x
: 1.47x
Revenue Growth %: 34.57%
Operating Profit Growth %: 68.42%
Net Profit Growth %: -5.26%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2014

EPS (₹): 20.55
Book Value (₹): 230.98
Dividend per Share (₹): 2.00
Cash EPS (₹): 5.52
Operating Margin %: 8.21%
Net Margin %: 1.42%
ROE %: 12.81%
ROCE %: 12.40%
: 1.77%
Debtor Days: 51
Inventory Days: 73
Payable Days: 59
: 65
Debt to Equity (x): 5.80x
Interest Coverage (x): 1.34x
: 1.06x
Revenue Growth %: 5661.03%
Operating Profit Growth %: 559.44%
Net Profit Growth %: 225.03%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2015

EPS (₹): 13.91
Book Value (₹): 239.97
Dividend per Share (₹): 0.50
Cash EPS (₹): 9.86
Operating Margin %: 11.94%
Net Margin %: 1.13%
ROE %: 8.09%
ROCE %: 10.85%
: 0.94%
Debtor Days: 79
Inventory Days: 137
Payable Days: 84
: 132
Debt to Equity (x): 4.86x
Interest Coverage (x): 1.21x
: 1.11x
Revenue Growth %: 10.81%
Operating Profit Growth %: 61.22%
Net Profit Growth %: -11.61%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2016

EPS (₹): 0.89
Book Value (₹): 39.44
Dividend per Share (₹): 0.00
Cash EPS (₹): 5.70
Operating Margin %: 16.45%
Net Margin %: 1.33%
ROE %: 3.97%
ROCE %: 9.91%
: 0.82%
Debtor Days: 84
Inventory Days: 140
Payable Days: 124
: 100
Debt to Equity (x): 1.08x
Interest Coverage (x): 1.26x
: 1.59x
Revenue Growth %: -39.69%
Operating Profit Growth %: -16.91%
Net Profit Growth %: -28.94%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2017

EPS (₹): 2.49
Book Value (₹): 41.91
Dividend per Share (₹): 0.25
Cash EPS (₹): 8.56
Operating Margin %: 29.28%
Net Margin %: 5.87%
ROE %: 7.16%
ROCE %: 9.89%
: 2.22%
Debtor Days: 110
Inventory Days: 105
Payable Days: 314
: -99
Debt to Equity (x): 1.15x
Interest Coverage (x): 2.11x
: 1.56x
Revenue Growth %: -44.76%
Operating Profit Growth %: -1.69%
Net Profit Growth %: 143.76%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2018

EPS (₹): 0.43
Book Value (₹): 4.73
Dividend per Share (₹): 0.05
Cash EPS (₹): 7.80
Operating Margin %: 23.21%
Net Margin %: 8.54%
ROE %: 11.85%
ROCE %: 12.94%
: 4.18%
Debtor Days: 90
Inventory Days: 79
Payable Days: 159
: 11
Debt to Equity (x): 0.74x
Interest Coverage (x): 2.53x
: 1.86x
Revenue Growth %: 39.13%
Operating Profit Growth %: 10.30%
Net Profit Growth %: 102.46%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 3.71
Book Value (₹): 48.28
Dividend per Share (₹): 0.50
Cash EPS (₹): 7.31
Operating Margin %: 26.43%
Net Margin %: 7.61%
ROE %: 8.18%
ROCE %: 12.08%
: 3.47%
Debtor Days: 103
Inventory Days: 33
Payable Days: 153
: -17
Debt to Equity (x): 0.79x
Interest Coverage (x): 2.14x
: 2.00x
Revenue Growth %: -9.99%
Operating Profit Growth %: 2.48%
Net Profit Growth %: -19.83%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Shareholding Pattern

Numbers in percentages

TRADES

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51.71	51.71	51.71	51.71	51.71	55.25	55.25	55.25	55.25
	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	0.11	0.10	0.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.29	48.28	48.20	48.29	48.14	44.73	44.59	44.65	44.62

Jun 2024

: 51.71
: 0.00
: 0.01
Government: 0.00
: 48.29

Sep 2024

: 51.71
: 0.00
: 0.01
Government: 0.00
: 48.28

Dec 2024

: 51.71
: 0.08
: 0.01
Government: 0.00
: 48.20

Mar 2025

: 51.71
: 0.00
: 0.01
Government: 0.00
: 48.29

Jun 2025

: 51.71
: 0.15
: 0.01
Government: 0.00
: 48.14

Sep 2025

: 55.25
: 0.01
: 0.01
Government: 0.00
: 44.73

Dec 2025

: 55.25
: 0.05
: 0.11
Government: 0.00
: 44.59

Mar 2026

: 55.25
: 0.00
: 0.10
Government: 0.00
: 44.65

Jun 2026

: 55.25
: 0.12
: 0.01
Government: 0.00
: 44.62

Documents

Announcements

Outcome of Board Meeting
2026-08-14 - Mangal Credit and Fincorp Limited has informed the Exchange regarding Outcome of Board Meeting held on August 14, 2026.
Copy of Newspaper Publication
2026-08-14 - Newspaper clippings of the IEPF Notice to Shareholders.

Annual Reports

Credit Ratings

Credit Rating
2026-06-16 - Mangal Credit and Fincorp Limited has informed the Exchange about Credit Rating

Concalls

Aug 2021
TranscriptPPTREC
May 2021
TranscriptPPTREC
Feb 2021
TranscriptPPTREC