Mangal Credit (MANCREDIT)
StalwartFairStock Score: 43/100 — MIXED
Score breakdown: P/E: 1/3 · ROCE: 1/2 · Growth: 1/2 · Dividend: 0/1
Key Financials
| Current Price | ₹238.07 |
| Market Cap | ₹502.66 Cr |
| P/E Ratio | 32.79 |
| ROCE | 12.17% |
| ROE | 9.28% |
| Dividend Yield | 0.32% |
| Profit Growth | 80.9% |
| Debt/Equity | 1.92 |
| Sales Growth | 53.1% |
| Promoter Holding | 55.25% |
| 52-Week Range | ₹152.06 — ₹287.27 |
| Sector | Finance |
| Book Value | ₹81.79 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
When I study Mangal Credit, I first ask whether it earns a good return on capital, not merely whether it grows. The numbers give a mixed answer. Sales grew 44.4%, and yet profit grew only 10.06%. That divergence tells me the company is expanding its loan book faster than it is converting that growth into bottom-line earnings. ROE is 9.28% and ROCE is 12.17% — acceptable, but hardly the kind of exceptional return that creates durable compounding. In a crowded NBFC market, I see no clear moat from these figures; the advantages of low-cost funding and disciplined underwriting are not yet visible.
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