Mangal Credit and Fincorp

₹245.14As of Sun 8 Nov 2026, 12:00 UTC

NSE:MANCREDITFinancials

Country India

PE (Fwd) 22.59

TSR 2Y CAGR 27.15%

Div yield 0.31%

ROE —

Credit Services

Beta (5Y) —

PE TTM 33.83

TSR TTM 34.61%

Mkt cap ₹5.320B

ROIC —

SE Grade™

—

Value

Quality

Moat

—

1Y Price

Reference

₹262

7.05%

35.56%

Price below Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

699.0

Revenue₹M

—

136.9

209.3

332.0

495.8

699.0

876.8

50.31%

41.00

Revenue growth%

—

52.82

58.63

49.35

41.00

25.44

51.08

—

97.64

Gross margin%

—

93.10

98.29

97.69

98.47

97.64

97.80

97.69

75.50

Operating margin%

—

76.15

73.37

71.76

74.49

75.50

75.41

74.49

100

21.90

Net margin%

—

44.41

37.82

31.77

26.36

21.90

21.69

31.77

33.83

P/E ratio (avg)x

—

23.10

24.61

27.23

23.86

—

9.813

EV/EBITx

—

8.174

7.139

7.832

7.656

—

FCF yield (avg)%

—

FCF margin%

—

FCF / Net incomex

—

ROIC%

—

Return on equity%

—

Return on assets%

—

7.25

EPS₹

—

3.15

4.10

5.45

6.58

7.25

9.00

23.16%

—

10.12

EPS growth%

—

30.13

33.08

20.66

10.12

24.26

25.40

—

Bookvalue per sh₹

—

FCF per share₹

—

0.75

Dividend per sh₹

—

0.50

0.60

0.75

0.79

10.67%

—

0.31

Div yield (avg)%

—

0.49

0.42

0.32

0.46

—

10.34

Payout ratio%

—

15.88

12.20

11.01

11.40

10.34

8.72

11.40

21.13

Shares (diluted)M

—

19.31

19.34

19.86

21.13

◌21.13

2.27%

(6.37)

Buyback yield%

—

(0.14)

(2.69)

(6.37)

◌—

(1.42)

—

D/E ratiox

—

5.179

Enterprise value₹B

—

3.019

3.767

5.179

24.80%

—

LT debt₹M

—

Peers (US$53.65M)

Cap (US$)

U. Y. Fincorp Limited

61.18M

7.575x

Laxmi India Finance…

56.91M

9.279x

CSL Finance Limited

53.97M

5.961x

PT Wahana Ottomitra…

53.46M

6.264x

Capital

TTM

10Y

Leveragex

—

EBIT/Intx

1.792

2.738

Own earn%

—

Sh yield%

(6.06)

(1.17)

Owners

Insiders/Inst%

55.04

—

Short interest%

—

SBC / revenue%

—

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

4/4

Dividend streakyrs

Op margin range%

72–76

$1 testx

—

Incr. ROIC%

—

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

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹699.0M

50.31%

1.00×

Cost of revenue

₹16.49M

14.95%

0.34×

Operating expenses

₹154.8M

60.70%

1.31×

Revenue by region

No breakdown available

Reinvestment returns

n/m

Trend

Reinvestment rate

n/m

Return on capital

n/m

Spread over hurdle

n/m