Mansi Fin.(Chen) (511758)

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

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

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.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

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