Mangal Credit & Fincorp Ltd, Fundamental analysis

Industry Industry name	Finance
Variance Full Year Net Profit Variance	15
Equity Latest Equity	21.11
Face Value Latest Face Value	10
Reserves Total Reserve	151.58
Dividend Full Year Dividend %	8
Sales Turnover Full Year Net Sales	69.97
Net Profit Full Year Net Profit	15.31
Full Year CPS Full Year Cash Per Share	8
Earning Per Share Full Year Earning Per Share	7.2
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	21.31
Previous EPS Previous earnings per share	0
Book Value Book value	81.8
Networth Full Year Return on Networth	9.75
Price/Book Value Price to Book value	2.640587
Yearly PE ratio Full Year Price to Earning per share	29.8
Yearly PC ratio Full Year Price to Cash Per Share	26.8
Bse value BSE Value in lakhs	8.36
Nse value NSE Value in lakhs	383.88
High 52 week high	267
Low 52 week low	153
Price NSE Current market price	215
CPM Current market price	216

Market cap BSE / NSE Market Cap	455.96
Net profit Latest Quarter Net Profit	5.48
Net profit variance Latest Quarter Net Profit variance	93
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	41.64
TTM OP Trailing Twelve 12 month Operating Profit	31.33
TTM OPM Trailing Twelve 12 month Operating Profit Margin	75.24
TTM GP Trailing Twelve 12 month Gross Profit	22.54
TTM GPM Trailing Twelve 12 month Gross Profit Margin	32.21
TTM NP Trailing Twelve 12 month Net Profit	12.42
TTM NPV Trailing Twelve 12 month Net Profit Variane	14.99
TTM EPS Trailing Twelve 12 month EPS	7.25
TTM PE Trailing Twelve 12 month PE	29.79
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0.92
Equity Latest Equity	21.11
LTP Latest Price (BSE/NSE)	216
Gross block Latest Gross Block	20.71
Loans Total loans	32.48
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	77.7
Year GPM Full Year Gross Profit Margin	32.2
Quarter OPM Latest quater Operation Profit Margin	81.3

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	12	12	13	13	14	16	18	21
YOY Sales Growth %	58%	53%	46%	42%	22%	36%	44%	59%
Gross Sales	12	12	13	13	14	16	18	21
+ Expenses	2	3	3	4	4	4	4	4
Manufacturing Cost %	7%	8%	7%	11%	8%	10%	8%	5%
Employee Cost %	13%	15%	14%	15%	15%	14%	13%	11%
Other Cost %	0%	0%	2%	3%	3%	2%	2%	2%
Other Manufacturing Expenses %	7%	8%	7%	11%	8%	10%	8%	5%
Provisions & Contingencies %	0%	0%	2%	2%	3%	3%	2%	2%
Operating Profit	9	9	10	10	11	11	14	17
OPM %	80%	77%	77%	72%	75%	73%	78%	81%
+ Other Income	0	0	0	0	0	0	0	0
Miscellaneous Income	0	0	0	0	0	0	0	0
Interest	4	4	5	5	6	7	9	9
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	5	4	5	4	4	4	5	7
+ Tax %	30%	25%	27%	31%	26%	28%	27%	26%
Current Tax	2	1	1	1	1	1	1	2
Deferred Tax	0	0	0	0	0	0	0	0
+ Net Profit	4	3	3	3	3	3	4	5
Extraordinary Income / Expense	0	0	0	0	0	0	0	0
Exceptional Item	0	0	0	0	0	0	0	0
EPS in Rs

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	148	82	114	104	16	11	15	21	33	50
Sales Growth %		-45%	40%	-9%	-85%	-30%	30%	45%	56%	49%
Gross Sales	7	8	9	127	29	11	14	21	33	50
Other Operating Income	0	0	0	0	0	0	1	0	0	0
+ Expenses	143	78	108	78	-4	2	4	6	9	12
Material Cost %	70%	53%	65%	60%	0%	0%	0%	0%	0%	0%
Raw Material Cost	91	58	66	62	0	0	0	0	0	0
Change in Inventory	13	-15	8	1	0	0	0	0	0	0
Manufacturing Cost %	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Employee Cost %	5%	8%	6%	7%	5%	10%	11%	13%	14%	12%
Other Cost %	21%	34%	22%	6%	-34%	10%	15%	12%	12%	11%
Raw Materials %	61%	71%	58%	59%	0%	0%	0%	0%	0%	0%
Purchase of Finished Goods %	0%	0%	0%	25%	3%	0%	0%	0%	0%	0%
Stock Adjustments %	-9%	19%	-7%	-1%	0%	0%	0%	0%	0%	0%
Power & Fuel %	0%	1%	0%	0%	1%	1%	1%	1%	1%	1%
Other Manufacturing Expenses %	1%	1%	0%	1%	0%	0%	0%	0%	0%	0%
Selling & Administration %	8%	9%	6%	7%	6%	7%	7%	8%	8%	8%
Miscellaneous Expenses %	1%	4%	1%	1%	4%	3%	8%	4%	3%	3%
Provisions & Contingencies %	0%	0%	-0%	0%	0%	0%	0%	0%	2%	1%
Operating Profit	5	4	6	27	21	9	11	16	24	38
OPM %	4%	4%	6%	26%	128%	79%	73%	74%	74%	76%
+ Other Income	1	2	2	1	0	0	0	0	0	0
Miscellaneous Income	3	0	0	7	10	0	0	0	0	0
Interest	13	7	8	9	0	1	2	5	10	18
Depreciation	7	9	6	7	0	0	0	1	1	1
Profit before tax	1	4	6	11	10	8	9	11	14	18
+ Tax %	107%	67%	43%	27%	27%	30%	30%	27%	26%	28%
Current Tax	2	2	3	3	3	2	2	3	4	5
Deferred Tax	0	0	0	0	0	0	0	0	0	0
+ Net Profit	1	3	5	8	7	6	6	8	11	13
Profit Growth %		145%	69%	65%	-1%	-23%	7%	30%	33%	24%
Extraordinary Income / Expense	0	0	0	0	0	0	0	0	0	0
Exceptional Item	0	0	0	0	0	0	0	0	0	0
Minority Interest (After Tax)	-1	-1	-1	0	0	0	0	0	0	0
Net Profit After Minority Interest	1	4	8	7	0	0	0	0	0	0
EPS in Rs	1.21	2.89	0.49	3.91

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	16	16	19	19	19	19	19	19	20	20
Reserves	51	56	72	74	76	80	87	93	108	121
+ Borrowings	67	78	67	73	6	14	29	87	138	200
Secured Borrowings	42	48	49	64	0	9	20	68	109	168
Unsecured Borrowings	26	30	18	10	6	5	10	19	29	32
+ Other Liabilities	64	71	71	39	-62	-81	-101	-155	-218	-283
Current Liabilities	55	64	61	30	3	3	3	4	8	8
Provisions	1	1	2	2	2	1	2	2	4	5
Minority Interest	9	7	8	9	0	0	0	0	0	0
Equity Share Warrants	5	4	0	0	0	0	0	0	4	4
Other liability items	1	1	1	1	0	0	0	0	0	0
Total Liabilities	199	221	229	205	39	32	34	44	47	58
+ Fixed Assets	22	29	28	23	1	14	15	15	15	15
Gross Block	38	49	53	54	3	17	17	18	19	21
Accumulated Depreciation	15	20	25	30	2	2	2	3	4	5
CWIP	0	0	0	7	0	0	0	0	0	0
Investments	2	0	15	15	15	15	17	16	14	14
+ Other Assets	174	192	186	160	22	3	3	14	18	28
Inventories	16	30	18	0	0	0	0	0	0	0
Trade receivables	22	25	29	27	0	0	0	0	0	0
Cash Equivalents	36	29	31	43	2	0	2	12	16	26
Loans n Advances	87	86	83	66	21	2	2	2	2	2
Other asset items	14	21	25	24	0	0	0	0	0	0
Total Assets	199	221	229	205	39	32	34	44	47	58

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	44	-7	31	1	-9	-5	-11	-46	-54	-49
Profit from Operations	14	16	16	11
Working Capital Changes	30	-28	13	-14
Profit Before Tax & Extraordinary Items	3	7	12	10	14	8	9	11	14	18
Depreciation	7	9	6	6	0	0	0	1	1	1
Interest (Net)	3	-3	-3	-4	0	1	2	-15	-23	-30
Dividend Received	0	0	0	-1	0	0	0	0	0	0
Profit / Loss on Sale of Assets	0	0	0	0	0	0	0	0	0	0
Profit / Loss on Sale of Investments	0	0	0	0	-7	0	0	0	0	0
Provisions & Write-offs (Net)	0	2	0	0	0	0	2	0	1	1
Receivables	11	-10	-3	-9	-4	7	0	0	0	0
Inventories	6	-18	11	0	0	0	0	0	0	0
Trade Payables	10	0	-1	1	0	0	0	0	0	0
Loans & Advances	-1	-18	5	-3	-11	-19	-22	-54	-68	-64
Interest Paid (Net)	1	7	5	7	0	0	0	14	22	28
Direct Taxes Paid	-1	-1	-2	-3	-2	-3	-2	-3	-3	-4
+ Cash from Investing Activity	-30	-12	-30	-1	7	-1	0	0	-7	-5
Purchase of Fixed Assets	-9	-14	-10	-9	0	0	0	0	0	-1
Purchase of Investments	0	0	-17	0	-11	-1	0	0	0	0
Sale of Investments	10	4	0	5	1	0	0	0	2	0
Capital WIP	0	0	0	0	0	0	0	0	0	0
Interest Received	2	2	2	4	0	0	0	0	0	1
Dividend Received	0	0	0	0	0	0	0	0	0	0
Investment in Group Companies	0	0	0	0	0	0	0	0	0	0
Others	-33	-4	-6	-2	0	0	0	0	-9	-5
+ Cash from Financing Activity	-17	19	1	13	3	5	12	56	56	60
Proceeds from Issue of Shares	27	1	0	0	0	0	0	0	3	0
Proceeds from Issue of Debentures	0	0	0	0	0	0	0	7	0	0
Proceeds from Other Long-Term Borrowings	12	15	5	4	0	12	57	51	58	62
Proceeds from Short-Term Borrowings	0	9	0	17	26	0	0	0	0	0
Redemption of Debentures	0	0	0	0	0	0	0	0	-7	0
Repayment of Long-Term Borrowings	0	0	0	0	0	-5	-41	0	0	0
Repayment of Short-Term Borrowings	-52	0	-10	0	-22	0	0	0	0	0
Repayment of Financial Liabilities	0	0	0	0	0	0	0	0	0	-1
Dividend Paid	0	0	0	-1	-1	-1	-1	-1	-1	-1
Interest Paid	-8	-5	-6	-7
Others	4	0	9	0	0	0	0	0	4	0
Net Cash Flow	-4	0	2	12	1	-1	1	10	-5	6