MANCREDIT
Mangal Credit and Fincorp Limited (MANCREDIT) Stock Analysis
Mangal Credit and Fincorp Limited is an Indian NBFC providing loans to SMEs, traders, and individuals in northern and western markets. It operates a branch-led model with secured and unsecured products. Asset quality and borrowing costs are key metrics. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹227.20
+3.76% 1W | +33.40% 52W
Market Cap
480 CR
P/E Ratio
26.6
52W High
₹287.3
52W Low
₹152.1
Div. Yield
0.34%
Beta
0
50 DMA
₹229.2
200 DMA
₹195.9
Profit Margin
23.2%
Inst. Own.
0%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2013 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.48 | 24.22 | 7.35 | 14.25 | 81.01 | 12.34 | 5.55 | 8.84 |
| Interest | 0.83 | 2.17 | 2.42 | 1.88 | 3.82 | 1.74 | 1.65 | 1.53 |
| Expenses | 0.34 | 19.11 | 15.43 | 3.80 | 67.28 | 8.45 | 4.70 | 4.00 |
| Financing Profit | 0.31 | 2.94 | -10.50 | 8.57 | 9.91 | 2.15 | -0.80 | 3.31 |
| Financing Margin % | 20.95% | 12.14% | -142.86% | 60.14% | 12.23% | 17.42% | -14.41% | 37.44% |
| Other Income | 0.01 | 1.39 | 2.31 | 1.62 | 1.25 | 1.10 | 1.27 | 0.93 |
| Depreciation | 0.03 | 0.33 | 1.80 | 1.86 | 2.83 | 1.71 | 1.79 | 1.91 |
| Profit before tax | 0.29 | 4.00 | -9.99 | 8.33 | 8.33 | 1.54 | -1.32 | 2.33 |
| Tax % | 0.00% | 30.50% | 3.90% | 4.80% | 13.45% | 33.77% | 45.45% | 15.88% |
| Net Profit | 0.29 | 2.78 | -10.39 | 7.93 | 7.22 | 1.03 | -1.92 | 1.96 |
| EPS in Rs | 0.48 | 1.31 | -2.56 | 2.65 | 2.32 | 0.68 | -0.14 | 0.76 |
| Gross NPA % | ||||||||
| Net NPA % |
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 | 4 | 215 | 240 | 148 | 81 | 114 | 104 | 108 |
| Interest | 0 | 1 | 12 | 19 | 13 | 7 | 8 | 9 | 9 |
| Expenses | 1 | 2 | 200 | 213 | 126 | 60 | 91 | 79 | 84 |
| Financing Profit | 1 | -0 | 2 | 9 | 10 | 14 | 16 | 16 | 15 |
| Financing Margin % | 43% | -3% | 1% | 4% | 6% | 18% | 14% | 15% | 14% |
| Other Income | 0 | 1 | 3 | 1 | 1 | 2 | 2 | 1 | 5 |
| Depreciation | 0 | 0 | 2 | 6 | 7 | 9 | 6 | 7 | 8 |
| Profit before tax | 1 | 1 | 4 | 4 | 3 | 7 | 12 | 10 | 11 |
| Tax % | 22% | 20% | 25% | 33% | 43% | 37% | 22% | 28% | |
| Net Profit | 1 | 1 | 3 | 3 | 2 | 5 | 9 | 8 | 8 |
| EPS in Rs | 4.82 | 3.27 | 0.88 | 2.51 | 4.35 | 3.71 | 3.62 | ||
| Dividend Payout % | 18% | 15% | 10% | 4% | 0% | 10% | 11% | 13% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -11.0% | -13.0% | – |
| Profit CAGR | 133.0% | 20.0% | – |
Shareholding Pattern
Promoters51.70%
FIIs0.15%
DIIs0.01%
Public48.13%
Promoters55.25%
FIIs0.01%
DIIs0.01%
Public44.73%
Promoters55.25%
FIIs0.05%
DIIs0.11%
Public44.59%
Promoters55.25%
DIIs0.10%
Public44.65%
Promoters55.25%
FIIs0.12%
DIIs0.01%
Public44.62%
Promoters55.36%
DIIs0.01%
Public44.63%
Promoters51.61%
DIIs0.01%
Public48.37%
Promoters51.70%
DIIs0.01%
Public48.28%
Promoters55.25%
DIIs0.10%
Public44.65%
Promoters55.25%
FIIs0.12%
DIIs0.01%
Public44.62%
MANCREDIT
Holdings Analysis
Key strengths & risk signals
78
Overall
75
Fundamental
81
Technical
Risks (2)
TOO MUCH PUBLIC HOLDING! 44.56% public ownership - higher volatility risk.
RECOVERY MODE! Current price (227.2) above 200-day but below 50-day.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (229.2) is above 200-day average (195.9) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
GOOD YEAR! Stock gained 33.4% in the last year.
Fundamental & Technical Analysis
78Overall
75Fundamental
81Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 48.1% (EXCELLENT, 15/15). Profit CAGR: 24.6% (EXCELLENT, 15/15).
Profit Margin
8/10
EXCELLENT EFFICIENCY! 23.2% profit margin - company keeps strong profits.
PEG Valuation
9/10
FAIRLY VALUED! PEG of 1.08 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.34% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 44.56% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (229.2) is above 200-day average (195.9) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (227.2) above 200-day but below 50-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
GOOD YEAR! Stock gained 33.4% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 152,511 vs down days: 110,123. Ratio: 1.38x
RSI
3/5
NEUTRAL! RSI at 51.3 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 55.5% of 52W range - neutral zone.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 3.8% (1 week), 3.2% (1 month), -4.3% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MANCREDIT | ₹227.20 | 26.6 | 23.2% | 48.1% | 24.6% | +33.4% | 78 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
| UYFINCORP | ₹24.80 | 7.9 | 29.1% | 37.0% | 84.0% | +58.9% | 90 | BREAKOUT | +226.7% | +12.6% | +181.1% | +3.3% |
| CSLFINANCE | ₹203.30 | 5.4 | 32.5% | 29.8% | 23.6% | -27.5% | 62 | BREAKDOWN | +3.8% | +13.9% | +17.4% | +0.6% |
| LAXMIINDIA | ₹106.20 | 9.3 | 30.6% | 33.1% | 46.1% | -26.0% | 76 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| MONEYBOXX | ₹53.90 | 299.6 | 1.1% | 59.7% | – | -33.5% | 40 | APPROACHING RESISTANCE | 0.0% | -60.0% | -11.3% | -2.1% |
| MUTHOOTCAP | ₹209.50 | 14.4 | 9.3% | 11.5% | -47.8% | -22.0% | 48 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| AFIL | ₹7.60 | 7.4 | 48.8% | 29.4% | 42.8% | -14.4% | 66 | BOUNCE FROM SUPPORT | +20.8% | -5.7% | +34.3% | +1.5% |
| VIJIFIN | ₹13.50 | 48.1 | 56.1% | 34.6% | 65.8% | +295.4% | 75 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
Data from TradeAlone · Updated daily
No news tagged for MANCREDIT yet.
