MANCREDIT

Mangal Credit and Fincorp Limited

Mangal Credit and Fincorp Limited (MANCREDIT) financial statements and selected valuation metrics through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

mangalfincorp.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹216.88
Market cap
457 Cr
Stock P/E
25.4
P/B
2.65
Dividend yield
0.3%
ROE (FY19)
6.7%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Mangal Credit and Fincorp is a Mumbai-based non-banking finance company (NBFC), registered with the Reserve Bank of India, that lends in India and funds itself partly through listed secured debentures.

Company snapshot

43rdBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Interest coverage of 0.9x — earnings barely cover interest payments, which is a warning sign.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income5 Cr6 Cr6 Cr8 Cr7 Cr8 Cr8 Cr8 Cr8 Cr9 Cr11 Cr12 Cr
Other income0.07 Cr0.04 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0.03 Cr0.03 Cr0.01 Cr0.0017 Cr
Net operating income5 Cr6 Cr6 Cr8 Cr7 Cr8 Cr8 Cr8 Cr8 Cr9 Cr11 Cr12 Cr
Employee cost1 Cr1 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr
Other expenses0.50 Cr0.72 Cr0.90 Cr0.74 Cr0.91 Cr0.86 Cr1 Cr1 Cr2 Cr1 Cr1 Cr1 Cr
Provisions & contingencies————————————
Depreciation0.17 Cr0.18 Cr0.21 Cr0.25 Cr0.28 Cr0.32 Cr0.38 Cr0.31 Cr0.44 Cr0.46 Cr0.47 Cr0.49 Cr
Profit before tax4 Cr4 Cr4 Cr5 Cr4 Cr5 Cr4 Cr4 Cr4 Cr5 Cr7 Cr8 Cr
Tax %26.3%26.8%26.0%29.6%25.5%26.6%31.5%26.5%27.5%26.5%26.2%25.8%
Net profit3 Cr3 Cr3 Cr4 Cr3 Cr3 Cr3 Cr3 Cr3 Cr4 Cr5 Cr6 Cr
EPS (₹)₹1.36₹1.48₹1.34₹1.92₹1.65₹1.78₹1.34₹1.53₹1.48₹1.82₹2.59₹2.70

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———8 Cr10 Cr11 Cr16 Cr23 Cr30 Cr35 CrSign in free for the trailing twelve months
Other income0.35 Cr0.36 Cr2 Cr7 Cr0.11 Cr0.20 Cr0.23 Cr0.08 Cr0 Cr0.07 CrSign in free for the trailing twelve months
Net operating income0.35 Cr0.36 Cr2 Cr15 Cr10 Cr11 Cr16 Cr23 Cr30 Cr35 CrSign in free for the trailing twelve months
Employee cost0.50 Cr0.75 Cr0.83 Cr0.94 Cr1 Cr2 Cr3 Cr5 Cr7 Cr9 CrSign in free for the trailing twelve months
Other expenses2 Cr0.64 Cr0.75 Cr1 Cr1 Cr0.87 Cr2 Cr3 Cr4 Cr5 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.31 Cr0.21 Cr0.17 Cr0.14 Cr0.24 Cr0.40 Cr0.53 Cr0.71 Cr1 Cr2 CrSign in free for the trailing twelve months
Profit before tax4 Cr6 Cr8 Cr14 Cr8 Cr9 Cr11 Cr14 Cr18 Cr21 CrSign in free for the trailing twelve months
Tax %34.2%26.8%24.4%20.6%30.2%30.0%28.1%26.4%28.2%26.6%Sign in free for the trailing twelve months
Net profit3 Cr5 Cr6 Cr11 Cr6 Cr6 Cr8 Cr11 Cr13 Cr15 CrSign in free for the trailing twelve months
EPS (₹)₹0.17₹0.26₹2.96₹5.57₹2.96₹3.15₹4.10₹5.45₹6.68₹7.46Sign in free for the trailing twelve months
Dividend payout %————16.9%15.9%12.2%9.2%9.0%9.6%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital16 Cr19 Cr19 Cr19 Cr19 Cr19 Cr19 Cr20 Cr20 Cr21 Cr
Reserves51 Cr61 Cr65 Cr76 Cr80 Cr87 Cr93 Cr108 Cr121 Cr152 Cr
Borrowings18 Cr8 Cr2 Cr6 Cr13 Cr28 Cr86 Cr137 Cr200 Cr329 Cr
Other liabilities4 Cr2 Cr2 Cr3 Cr3 Cr4 Cr5 Cr10 Cr8 Cr15 Cr
Total liabilities89 Cr90 Cr89 Cr104 Cr116 Cr138 Cr203 Cr274 Cr349 Cr517 Cr
Fixed assets (net)0.80 Cr0.63 Cr0.47 Cr0.40 Cr0.34 Cr0.33 Cr0.43 Cr0.57 Cr0.72 Cr1 Cr
CWIP————0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Investments16 Cr32 Cr27 Cr16 Cr29 Cr30 Cr29 Cr27 Cr27 Cr34 Cr
Loans & advances———65 Cr84 Cr104 Cr159 Cr226 Cr292 Cr424 Cr
Cash & bank2 Cr0.25 Cr0.76 Cr2 Cr0.40 Cr1 Cr11 Cr6 Cr12 Cr27 Cr
Other assets70 Cr57 Cr60 Cr21 Cr3 Cr3 Cr4 Cr13 Cr18 Cr31 Cr
Total assets89 Cr90 Cr89 Cr104 Cr116 Cr138 Cr203 Cr274 Cr349 Cr517 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-8 Cr15 Cr2 Cr-9 Cr-5 Cr-11 Cr-42 Cr-54 Cr-49 Cr-114 Cr
Cash from investing0.16 Cr-15 Cr6 Cr7 Cr-1 Cr-0.16 Cr-0.29 Cr-7 Cr-5 Cr-10 Cr
Cash from financing8 Cr-0.82 Cr-7 Cr3 Cr5 Cr12 Cr52 Cr56 Cr60 Cr139 Cr
Net cash flow0.37 Cr-1 Cr0.47 Cr1 Cr-1 Cr1 Cr10 Cr-5 Cr6 Cr15 Cr
Free cash flow (OCF − Capex)-8 Cr15 Cr2 Cr-21 Cr-5 Cr-11 Cr-42 Cr-54 Cr-50 Cr-115 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019
ROE %5.1%8.4%6.7%
Debt / equity0.980.710.00