Mansi Fin.(Chen) (511758)

Score breakdown: P/E: 3/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 0/1

Key Financials

Strengths

• Trades at 48% of book value (P/B 0.48) with book value ₹108.01 versus price ₹51.49
• Low P/E of 6.21 provides earnings-based margin of safety
• ROE of 11.80% is decent despite the shrinking scale
• Latest quarter remains profitable with net profit ₹1 Cr on sales ₹2 Cr

Concerns

• Sales down 52.28% and profit down 22.94% show serious business shrinkage
• Piotroski F-score of 3/9 indicates weak and deteriorating financial health
• No dividend, promoter holding N/A, debt/equity N/A; limited transparency
• Stock trades below the 52-week low at ₹51.49 vs range ₹59.00-₹111.95, reflecting negative market sentiment

AI Analysis

This is a small, neglected NBFC, and at ₹51.49 the market cap is just ₹19 Cr. On the surface, it screams Graham: price-to-book of 0.48 means I am paying 48 paise for every ₹1 of book value, and book value stands at ₹108.01. The P/E is 6.21, with ROE of 11.80%. In a sane world, that is a margin of safety. But value investing is not buying cheap statistics; it is buying a business that will compound. Mansi Fin is not compounding. Sales have collapsed by 52.28%, and profit fell 22.94%. The latest quarter shows only ₹2 Cr of sales and ₹1 Cr of net profit. On such a tiny base, a high profit margin is not evidence of strength; it is a reminder that one bad loan or one bad quarter can erase the earnings. The Piotroski F-score is 3 out of 9, which tells me the fundamentals are deteriorating, not improving. There is no dividend, promoter holding is not disclosed, and debt/equity is unavailable. For an NBFC, book value is only credible if the loan book is honest, and I cannot assess asset quality from these numbers. The share has fallen from ₹111.95 to below its 52-week low of ₹59, now at ₹51.49. That is the market pricing in trouble. A ₹19 Cr market cap also means little institutional coverage and poor liquidity. This is an asset play, not a quality compounder. I might keep it on my watchlist, but I would not buy until I see sales stabilize, leverage disclosed, and evidence that the earnings power is real. Cheap can always get cheaper.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer