MANGAL CREDIT N FINCORP L
MANCREDIT · General/Diversified · NSE
₹209
Current Market Price
Fair Value (DCF)
₹148
Discount to FV
-29.3%
Updated just now
YieldIQ Score
53/100
Piotroski F-Score
3/9
Economic Moat
None
Confidence
11%
ROE
9.3%
Debt/Equity
1.42
WACC
11.1%
Market Cap
₹441.43 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
5.5%
Return on capital employed
EV / EBITDA
12.2×
Enterprise multiple
Debt / EBITDA
7.3×
Leverage vs earnings
Interest Coverage
33.5×
EBIT covers interest
Current Ratio
1.77×
Short-term liquidity
Asset Turnover
0.20×
Revenue per ₹ of assets
Revenue CAGR (3Y)
49.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹209.07
Bear case
Discount -132.3%
Base case
Discount -41.4%
Bull case
Discount -16.1%
Ratio Trends
MANCREDIT · last 4 annual periods
ROE
9.3%
ROCE
5.5%
Operating Margin
—
Debt / Equity
1.42×
PE
—
EV / EBITDA
—
Historical Financials
MANCREDIT · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹13.6 Cr | ₹20.8 Cr | ₹33.0 Cr | ₹48.5 Cr | +52.6% |
| EBITDA | ₹9.2 Cr | ₹11.7 Cr | ₹15.4 Cr | ₹20.0 Cr | +29.6% |
| EBIT | ₹8.8 Cr | ₹11.1 Cr | ₹14.7 Cr | ₹18.8 Cr | +28.8% |
| PAT | ₹6.1 Cr | ₹7.9 Cr | ₹10.5 Cr | ₹13.1 Cr | +29.0% |
| EPS (diluted) | ₹3.15 | ₹4.10 | ₹5.45 | ₹6.58 | +27.8% |
| CFO | ₹-10.7 Cr | ₹-46.1 Cr | ₹-54.0 Cr | ₹-49.4 Cr | — |
| CapEx | ₹-0.1 Cr | ₹-0.3 Cr | ₹-0.4 Cr | ₹-0.8 Cr | — |
| FCF | ₹-10.8 Cr | ₹-46.4 Cr | ₹-54.4 Cr | ₹-50.2 Cr | — |
| Total Assets | ₹138 Cr | ₹203 Cr | ₹274 Cr | ₹349 Cr | +36.4% |
| Total Debt | ₹29.3 Cr | ₹87.3 Cr | ₹138 Cr | ₹200 Cr | +89.8% |
| Shareholders' Equity | ₹106 Cr | ₹112 Cr | ₹127 Cr | ₹141 Cr | +9.9% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
MANCREDIT vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
IITL IITL | — | — | Pending | -2.9% | — |
 MUTHOOTCAP MUTHOOTCAP | — | — | Pending | 1.7% | — |
AFIL AFIL | — | — | Pending | 10.0% | — |
UYFINCORP UYFINCORP | — | — | Pending | 3.6% | — |
 STARTECK STARTECK | — | — | Pending | 4.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
2 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹1.35/sh
Last payout
2025-09-17
₹0.75
Peak payout
₹0.75
Trailing yield
0.36%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. MANGAL CREDIT N FINCORP L (MANCREDIT.NS) trades at 209.07 vs a model fair value of 147.84, a gap of -29.3%. Piotroski F-score: 3/9. Moat ...
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Risk profile of MANCREDIT →
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Analyse MANCREDITNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.