Mangal Credit & Fincorp Ltd
NSE: MANCREDIT BSE: 505850
₹169.57
(0.35%)
Sun, 24 May 2026, 10:46 am
Market Cap3.56B
PE Ratio28.09
Dividend0.44
Finance
Finance/Rental/Leasing
24.5KMangal Credit & Fincorp Analysis
dividend
- Dividends per share have increased over the past 10 years.
- Dividends paid are thoroughly covered by earnings (8.4x coverage).
- Mangal Credit and Fincorp's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
- Mangal Credit and Fincorp's dividend is below the markets top 25% of dividend payers in India (3.08%).
health
- Mangal Credit and Fincorp is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Mangal Credit and Fincorp is profitable, therefore cash runway is not a concern.
- Mangal Credit and Fincorp is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.9x debt.
- Mangal Credit and Fincorp's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (439.2% vs 72.1% today).
- Interest payments on debt are well covered by earnings (EBIT is 3.1x coverage).
- Low level of unsold assets.
- Debt is not well covered by operating cash flow (1.7%, less than 20% of total debt).
- Mangal Credit and Fincorp's level of debt (72.1%) compared to net worth is high (greater than 40%).
management
- Meghraj's remuneration is lower than average for companies of similar size in India.
- Meghraj's compensation has been consistent with company performance over the past year, both up more than 20%.
- The average tenure for the Mangal Credit and Fincorp board of directors is less than 3 years, this suggests a new board.
- The average tenure for the Mangal Credit and Fincorp management team is less than 2 years, this suggests a new team.
misc
- Mangal Credit and Fincorp is not covered by any analysts.
past
- Mangal Credit and Fincorp has delivered over 20% year on year earnings growth in the past 5 years.
- Mangal Credit and Fincorp used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Mangal Credit and Fincorp has improved its use of capital last year versus 3 years ago (Return on Capital Employed).
- Mangal Credit and Fincorp's 1-year earnings growth is less than its 5-year average (8.5% vs 26.9%)
- Mangal Credit and Fincorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Mangal Credit and Fincorp's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (8.5% vs 11%).
value
- Mangal Credit and Fincorp is good value based on earnings compared to the IN Consumer Finance industry average.
- Mangal Credit and Fincorp is good value based on earnings compared to the India market.
- 505850 matched the Consumer Finance industry (-28.8%) over the past year.
- Mangal Credit and Fincorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Mangal Credit and Fincorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Mangal Credit and Fincorp is overvalued based on assets compared to the IN Consumer Finance industry average.
- 505850 underperformed the Market in India which returned -14.5% over the past year.
- BSE:505850 is up 3.3% underperforming the Consumer Finance industry which returned 10.3% over the past month.
- BSE:505850 is up 3.3% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800