SEBI Reg. Investment Advisor

Download App

MoneyWorks4Me

Mangal Credit and Fincorp Ltd (MANCREDIT)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 505850 NSE: MANCREDIT Finance - NBFC | Small Cap | Mangal Credit & Fin Share Price

₹213 3.85 (1.84%)

As on 10-Jun'26 16:59

Mangal Credit and Fincorp Ltd (MANCREDIT)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 505850 NSE: MANCREDIT Finance - NBFC | Small Cap | Mangal Credit & Fin Share Price

₹213 3.85 (1.84%)

As on 10-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹442 Cr.
Current Price
₹213
52-Week Low / High
₹153 / 221
TTM EPS
₹7.3
Book Value per Share
₹81.8
P/E Ratio
28.85
Higher than its 5-year historical median
Industry PE
25.7
Price to Book (P/B)
2.56
Higher than its 5-year historical median
EV/EBITDA
11.75
Lower than its 5-year historical median
Dividend Yield
0.44%
Profitability Efficiency
Return on Equity (ROE)
10.07%
Return on Capital Employed (ROCE)
12.13%
Return on Assets (ROA)
4.20%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
31.56%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
10.84%
Asset Quality
Gross NPA(%)
1.19%
Net NPA(%)
0.66%
TTM Sales
₹69.9 Cr.
Reserves
₹152 Cr.
Equity
₹21.1 Cr.
Face Value
₹10
All Time Low / High
₹0.00 / 229.17

Mangal Credit and Fincorp stock performance

Key Ratios
mw4me loader

Check Before You Invest

Quality

Locked
Login to view analysis.

Valuation

Locked
Login to view analysis.

Price Trend

Locked
Login to view analysis.
Q.1 Is Mangal Credit and Fincorp Ltd a good quality company?
Mangal Credit and Fincorp Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Mangal Credit and Fincorp Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Mangal Credit and Fincorp Ltd vs Industry Peers?
Mangal Credit and Fincorp Ltd AUM CAGR is 27.4%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Mangal Credit and Fincorp Ltd?
Promoters hold 55.25% of the Mangal Credit and Fincorp Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Mangal Credit and Fincorp Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 10.1% based on the current price.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mangal Credit and Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)6.68.39.58.98.911.314.621.333.249.670
YoY Gr. Rt. %-24.5%14.4%-6.1%-0.2%27.5%29.3%45.5%56.2%49.4%-
Adj EPS (₹ ) 0.71.72.43.15.633.24.15.46.77.3
YoY Gr. Rt. %-143.5%41.1%31.2%79.1%-46.9%6.4%30.2%31.5%23.9%-
BVPS (₹ )37.33941.54449.151.754.85862.969.781.8
YoY Gr. Rt. %-4.5%6.4%6.2%11.6%5.2%6.2%5.7%8.6%10.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.33.35.16.711.15.24.84.74.44.20

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income25%41.1%50.3%49.4%
Adj EPS28.7%3.7%28.5%23.9%
BVPS7.2%7.3%8.3%10.8%
Share Price 13.2% 28.6% 21.6% 13.1%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)16.532.648.467.6121.450.541.637.231.826.421.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.44.46.47.3125.95.97.3910.18.8

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 991011161115213350
Interest Income789991115213350
Other Income 0200101111
Exceptional Items 2102700000
Expenditure + 8543336111931
Interest Expense 41210125918
Operating Expenses 31222235811
Provisions 0200101111
Exceptional Items 000000000-0
Profit Before Tax 14681489111418
Taxes 0122323345
Profit After Tax 1356116681113
Adjusted EPS (₹)0.71.72.43.15.63.03.24.15.46.7
Dividend Payout Ratio (%)0%14.90%21.10%16.10%9%16.90%15.90%12.20%11.10%11.20%

Valuation of Mangal Credit & Fin - Standalone

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

mw4me loader

Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +5963808595100106112123136
Share Capital 16161919191919192020
Reserves 4347616676808793104117
Short term borrowings31882613287986134
Long Term Borrowings-0-0-0-0-0-0075166
Current Liabilities 1422941017328495143
Trade Payables0000000011
Other Liabilities2-13-8-2-7-14-29-79-82-130
Total Liabilities 77898989104117138203273349

Assets

Non Current Asset +2019352817303231266337
Loan Asset 00000000226292
Other Non Current Asset 20193528173032314045
Current Asset +587055618786106172712
Current Investment0000000000
Other Current Asset587055618786106172712
Total Assets 77898989104117138203273349

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0-8152-9-5-11-46-54-49
Cash Flow From Investing Activity 100-1567-1-0-0-7-5
Cash Flow From Financing Activity -128-1-83512565660
Net Cash Flow -30-101-1110-56

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.701.700.203.105.6033.204.105.406.70
DPS (₹)00.300.100.500.500.500.500.500.600.80
BVPS (₹)37.3394.14449.151.754.85862.969.7

Performance Ratios

ROA (%)1.33.35.16.711.15.24.84.74.44.2
ROE (%)2.44.46.47.312.05.95.97.39.010.1
ROCE (%)7.87.19.510.114.68.28.59.310.312.1

Valuation Parameters

Price/Book(x)1.31.30.91.20.71.21.81.71.82.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Mangal Credit and Fincorp Ltd FAQs

The current trading price of Mangal Credit & Fin on 10-Jun-2026 16:59 is ₹213.0.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 09-Jun-2026 the market cap of Mangal Credit & Fin stood at ₹441.6 Cr

The latest P/E ratio of Mangal Credit & Fin as of 09-Jun-2026 is 28.85.

The latest P/B ratio of Mangal Credit & Fin as of 09-Jun-2026 is 2.56.

The 52-week high of Mangal Credit & Fin is ₹221.0 and the 52-week low is ₹152.9.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Mangal Credit & Fin is ₹69.90 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Mangal Credit and Fincorp Ltd is a below average quality company.

The key valuation ratios of Mangal Credit and Fincorp Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Mangal Credit and Fincorp Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About Mangal Credit and Fincorp Ltd

Tak Machinery and Leasing company is engaged in the financing and investment activities in India. It also involves in the production and trade of cranes, hoists, and spares. The company provides electric and pneumatic hoists, and cranes. Tak Machinery and Leasing is based in Mumbai, India.

Milestones:

  • 1961 - The Company was incorporated at Mumbai.  The main object of the Company is to manufacture wide range of lifting & hoisting equipments. The main items to be manufactured electric overhead travelling cranes, hoist, bucket elevators, screw conveyors, flat conveyors, etc.  In addition, the Company is engaged in structural fabrication work, production of gray iron castings & leasing equipment.
  • 1962 - The Company entered into a ten-years technical collaboration agreement with Fellows Brothers, Ltd., of England for manufacture of electric hoists and chain pulley blacks. Technical Collaboration Agreement was also finalised with Naylor Brothers, of U.K., for manufacture of conveying equipment and martonair, Ltd., of U.K., for manufacture of air hoists.
  • 1963 - 25,500 of shares were reserved for directors & their relatives and 24,500 shares were offered for public subscription.
  • 1965  - A technical collaboration agreement was concluded with Ursvikens Nekanisks Verkstads AB, Sweden, for the manufacture of press brakes and another collaboration agreement with Nuquip, Ltd., of U.K., for the manufacture of airline equipment like filters, lubricators, pressure regulators and automatic drain valves. - 336 No. of Equity shares forfeited for non-payment of calls.
  • 1966  - 105 No. of Equity shares reissued out of the forfeited shares. Another, 10 No. of Equity shares reissued out of the forfeited shares.
  • 1971 - 5 No. of Equity shares reissued out of the forfeited shares.
  • 1973  - The Government approved the collaboration agreement entered into by the Company with Fellows Stringer, Ltd., England, for the manufacture of flameproof electric hoists.  In order to meet the needs of the expansion, a new plant was being set up at Vatwa near Ahmedabad.
  • 1979  - A part of the plant and machinery at Ambernath was disposed of. Following the closure of Ambernath plant, operations at Vatwa plant was stepped up to meet the requirements of the order book.
  • 1982  - There was marginal decline in sales turnover.
  • 1983  - The production was adversely affected due to labour unrest, strike and go-slow for a period of about two months.  Sales also suffered a substantial decline on account of continued demand recession.  
  • 1991 - However, the working of the manufacturing division was affected adversely on account of cost escalation and intensified competition from small scale sector. - 19,914 Rights Equity shares of Rs 100 offered (premium Rs 50, prop. 2:5 all were taken up).  Another 996 No. of Equity shares of Rs.100 (premium Rs.50) issued to employees on equitable basis.
  • 1992  - The performance of the manufacturing division continued to decline due to demand recession on one hand and the escalating input costs on the other.
To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

×