Mangal Credit and Fincorp Ltd Stock Price Today (NSE: MANCREDIT)
Mangal Credit and Fincorp Ltd
Fundamental Score
Mangal Credit and Fincorp Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Mangal Credit and Fincorp Ltd share price today is ₹168.74, down 1.64% on NSE/BSE as of 16 April 2026. Mangal Credit and Fincorp Ltd (MANCREDIT) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹359.60 (Cr). The 52-week high for MANCREDIT share price is ₹215.75 and the 52-week low is ₹151.71. At a P/E ratio of 29.24x, MANCREDIT is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 9.93% and a debt-to-equity ratio of 1.75.
Mangal Credit and Fincorp Ltd Share Price Chart — NSE/BSE Historical Performance
AI Research Briefing
Powered by Gemini · 2026-04-15
Micro-cap NBFC, avoid until FCF turns positive.
⚡ WHAT'S HAPPENING NOW (last 2-4 weeks): Mangal Credit & Fincorp opened a new branch in Bhilwara, Rajasthan. The company submitted a SEBI compliance certificate for Q4FY26. A disclosure under SEBI Takeover Regulations was submitted on April 9, 2026. 🧠 CORE STORY (THE REAL GAME): Micro-cap NBFC riding the India MSME credit wave, but faces stiff competition and regulatory headwinds. 🔥 WHAT IS DRIVING THE STOCK: 1. **MSME Credit Demand:** NBFC sector is projected to grow at 15-17% in FY26, driven by demand in the MSME sector. 2. **New Branch Expansion:** Opening new branches, like the one in Bhilwara, expands the company's reach. 3. **Promoter Buying:** Promoter holding increased by 3.54%. ⚖️ BULL vs BEAR: Bull: Rapid MSME credit growth in India allows for high topline growth. New branches add to growth. Promoter buying signals confidence. Bear: Micro-cap NBFC faces intense competition from larger, better-capitalized players. High debt/equity ratio of 1.75 and low-interest coverage of 1.73x raise concerns. Negative free cash flow of ₹-167.31 Cr over the past 5 years is a red flag. Stricter RBI oversight could impact smaller NBFCs. 💣 WHAT MARKET IS PRICING: Market is pricing in continued high growth in the MSME sector and Mangal Credit's ability to capitalize on it. If growth slows or the company faces regulatory hurdles, a significant correction is likely. 🎯 BOTTOM LINE: MANCREDIT is a micro-cap NBFC in a crowded space with stretched valuation and negative FCF. Avoid until it proves it can convert profit to cash.
- MSME credit growth
- New branch opening
- Promoter buying
- Stronger than expected earnings
- Significant order win
- Favorable regulatory changes
- Micro/SME cap liquidity risk
- Negative free cash flow
- High debt/equity ratio
Promoter increased stake by 3.54%, FII decreased by 0.14%.
NBFC sector faces stricter RBI oversight.
No, Free Cash Flow 5Y: ₹-167.31 Cr
Company needs to demonstrate consistent profitability and positive cash flow to justify its valuation. Regulatory risks remain a key concern.
Primary Thesis Risk
Inability to generate positive free cash flow will kill the story.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Mangal Credit and Fincorp Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Mangal Credit and Fincorp Share Price: A Conservative Value Investor's Perspective
The non-banking financial company (NBFC) sector, while offering growth potential, demands meticulous due diligence due to its inherent reliance on credit risk assessment and effective capital management. Understanding this inherent risk is critical before analyzing the
At a price of ₹160.19, Mangal Credit and Fincorp's price-to-earnings (PE) ratio stands at 29.24. This multiple suggests that the market has assigned premium value to the company's earning ability. However, a conservative value investor will carefully consider sector dynamics and peer comparisons. For instance,
Apollo Finvest might demonstrate a significantly different management quality, influencing its stock valuation. It is crucial to assess how effectively Mangal Credit and Fincorp's management allocates capital compared to its industry peers.A critical aspect of our assessment is the company's Return on Capital Employed (ROCE), currently at 12.17%. While a positive figure, it's vital to understand its implications on Mangal Credit and Fincorp's long-term competitive advantage. ROCE represents the efficiency with which the company generates profits from its capital base. A consistently high ROCE (well above the cost of capital) often indicates a strong moat. In Mangal Credit and Fincorp's case, a 12.17% ROCE warrants a deeper dive into the sustainability of its profitability and its ability to reinvest earnings at similar or higher rates of return. A more in-depth exploration needs to be carried out on the company's business operations and strategy to see if this can be improved.
This overview provides a preliminary assessment based on limited data. A complete investment decision would require a comprehensive review of Mangal Credit and Fincorp's financial statements, business model, regulatory environment, and a thorough comparison against its peers. This fundamental audit serves as a starting point for further rigorous analysis, emphasizing the importance of safeguarding capital and identifying genuine value in the NBFC sector.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Mangal Credit and Fincorp Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of MANCREDIT across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (75.36%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (35.68%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (25.15% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (55.25%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (9.93%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Weak Earnings Growth (4.08% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (4.35% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Elevated Debt Levels (D/E: 1.75)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.73x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-167.31 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 0.02%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
Mangal Credit and Fincorp Ltd Financial Statements
Comprehensive financial data for Mangal Credit and Fincorp Ltd including income statement, balance sheet and cash flow
About MANCREDIT (Mangal Credit and Fincorp Ltd)
Mangal Credit and Fincorp Ltd is a Non-Banking Financial Company (NBFC) deeply rooted in the Indian financial landscape. Established with a vision to empower underserved segments, ...the company operates primarily in the lending sector, offering tailored financial solutions designed to meet the specific needs of its diverse clientele. Mancredit distinguishes itself through its commitment to fostering financial inclusion, extending credit facilities to individuals and businesses who may not have easy access to traditional banking services. This dedication to reaching the unreached has enabled the company to establish a significant presence in its chosen markets, contributing to economic growth at the grassroots level. The company's financial product suite is strategically diversified, encompassing various loan categories to cater to a wide spectrum of financial requirements. Mancredit provides financial assistance to small and medium-sized enterprises, fueling their growth and enabling them to contribute to the Indian economy. It also extends gold loans, offering a secure and readily accessible source of credit for individuals. Recognizing the importance of personal financial needs, the company offers personal loans to help individuals achieve their goals. Furthermore, Mancredit provides loans against property, enabling individuals to leverage their assets for immediate financial requirements. These comprehensive offerings are designed to provide accessible and flexible financial solutions to its target market. Headquartered in the bustling financial hub of Mumbai, India, Mangal Credit and Fincorp Ltd leverages its strategic location to effectively manage its operations and navigate the dynamic Indian financial market. With a history dating back several decades, the company possesses a wealth of experience and a deep understanding of the local financial landscape. Mancredit is committed to upholding the highest standards of corporate governance and regulatory compliance, ensuring transparency and accountability in its operations. By consistently delivering value to its customers and stakeholders, the company has established a reputation as a reliable and trustworthy financial partner.
Company Details
Key Leadership
Corporate Events
MANCREDIT Share Price: Frequently Asked Questions
What is the current share price of Mangal Credit and Fincorp Ltd (MANCREDIT)?
As of 16 Apr 2026, 11:00 am IST, Mangal Credit and Fincorp Ltd share price is ₹168.74. The MANCREDIT stock has a market capitalisation of ₹359.60 (Cr) on NSE/BSE.
Is MANCREDIT share price Overvalued or Undervalued?
MANCREDIT share price is currently trading at a P/E ratio of 29.24x, compared to the industry average of 22.03x. Based on this relative valuation, the Mangal Credit and Fincorp Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of MANCREDIT share price?
The 52-week high of MANCREDIT share price is ₹215.75 and the 52-week low is ₹151.71. These values are updated daily from NSE/BSE price data.
What factors affect the Mangal Credit and Fincorp Ltd share price?
Key factors influencing MANCREDIT share price include quarterly earnings growth (Sales Growth: 35.68%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Mangal Credit and Fincorp Ltd a good stock for long-term investment?
Mangal Credit and Fincorp Ltd shows a 5-year Profit Growth of 4.35% and an ROE of 9.93%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.75 before investing in MANCREDIT shares.
How does Mangal Credit and Fincorp Ltd compare with its industry peers?
Mangal Credit and Fincorp Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare MANCREDIT share price P/E of 29.24x and ROE of 9.93% against the industry averages to determine competitive standing.
What is the P/E ratio of MANCREDIT and what does it mean?
MANCREDIT share price has a P/E ratio of 29.24x compared to the industry average of 22.03x. Investors pay ₹29 for every ₹1 of annual earnings.
How is MANCREDIT performing according to Bull Run's analysis?
MANCREDIT has a Bull Run fundamental score of 39.8/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does MANCREDIT belong to?
MANCREDIT operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Mangal Credit and Fincorp Ltd share price.
What is Return on Equity (ROE) and why is it important for MANCREDIT?
MANCREDIT has an ROE of 9.93%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Mangal Credit and Fincorp Ltd generates profits from shareholders capital.
How is MANCREDIT debt-to-equity ratio and what does it indicate?
MANCREDIT has a debt-to-equity ratio of 1.75, which indicates high leverage that increases financial risk.
What is MANCREDIT dividend yield and is it a good dividend stock?
MANCREDIT offers a dividend yield of 0.44%, meaning you receive ₹0.44 annual dividend for every ₹100 invested in Mangal Credit and Fincorp Ltd shares.
How has MANCREDIT share price grown over the past 5 years?
MANCREDIT has achieved 5-year growth rates of: Sales Growth 25.15%, Profit Growth 4.35%, and EPS Growth 4.08%.
What is the promoter holding in MANCREDIT and why does it matter?
Promoters hold 55.25% of MANCREDIT shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Mangal Credit and Fincorp Ltd.
What is MANCREDIT market capitalisation category?
MANCREDIT has a market capitalisation of ₹360 crores, placing it in the Small-cap category.
How volatile is MANCREDIT stock?
MANCREDIT has a beta of N/A. A beta > 1 suggests the Mangal Credit and Fincorp Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is MANCREDIT operating profit margin trend?
MANCREDIT has a 5-year average Operating Profit Margin (OPM) of 75.36%, indicating the company's operational efficiency.
How is MANCREDIT quarterly performance?
Recent quarterly performance shows Mangal Credit and Fincorp Ltd YoY Sales Growth of 35.68% and YoY Profit Growth of -7.45%.
What is the institutional holding pattern in MANCREDIT?
MANCREDIT has FII holding of 0.01% and DII holding of 0.01%. Significant institutional holding often suggests professional confidence in the Mangal Credit and Fincorp Ltd stock.