Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 2 Sep - Enclosed herewith newspaper clippings titled Notice of 64th Annual General Meeting, E-voting Information, Book Closure and Record Date.
Source: Bse
Mangal Credit and Fincorp Limited (MANCREDIT)
Small CapFinancial Services stocks · Small cap · NSE
Mangal Credit and Fincorp Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹215.77
-1.11 · -0.51%
Market cap ₹467 Cr
Data qualityFresh enough for analysisQuote updated 19 Oct, 03:31 pm ISTDetails
Quote19 Oct, 03:31 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result07 Aug, 01:02 am IST
Score20 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
47NeutralMACD −
Stock trend: 49
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
MANCREDITD candles · FIT view+24.7%Latest close ₹215.77 on 2026-10-19
Bar
-2.4%
RSI
42
MACD hist
-0.71
52W pos
47%
2026-10-19O ₹221.06H ₹221.06L ₹213.05C ₹215.77Vol 1.4L sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
MANCREDITNifty Financial ServicesNifty 500
- MANCREDIT
- -3.8%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +1.8 pp
Chart stats
19 Oct 2026- From 52W high
- -24.9%
- 52W range position
- 47%
- ATR (14)
- 4.6%
- Volume vs 20D
- 0.89x
- Avg traded value
- ₹3.4 Cr
- 20D price channel
- ₹213.1 - ₹244.1
₹287.3
₹152.1 - ₹287.3
₹9.9
Latest completed session
20-session average
39.0% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · OVERVALUED19
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent75
Revenue +53.1% · PAT +89.7% YoY
Technical
Neutral47
Price trend and sector-relative-strength timing.
Valuation
Legacy model-133.7%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence61
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Excellent · 75/100Rev +53% YoY · PAT +90% YoY · operating leverage
Filed 06 Aug 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹22.2 Cr | +53.1% | +4.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹5.7 Cr | +89.7% | +3.8% |
| PAT margin | 25.7% | +495 bps | -5 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 66.80
- P/B
- 4.49
- EV/EBITDA
- 65.75
- Market Cap
- 467.00Cr
Profitability
- ROE
- 7.68%
- ROCE
- 11.40%
- ROA
- 4.49%
- Dividend Y
- 0.34%
Growth (CAGR)
- Revenue 5Y
- -13.00%
- EPS 5Y
- 20.00%
- Revenue 3Y
- -11.00%
- EPS 3Y
- 50.00%
Balance Sheet
- Debt/Equity
- 0.62
- Interest Coverage
- —
- Altman Z
- 4.21
- Book Value
- 49.20
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 4/5
- OCF
- 1.00 Cr
- EPS TTM
- 3.62
Shareholding
- Promoter Hold
- 55.25%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 51%
Financial History
Updated 20/10/2026
Revenue
₹ CrLatest: 22.2+4.0% vs prev
Net Profit
₹ CrLatest: 5.7+3.8% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term uptrend intact. RSI 42.
- Price above SMA200 (long-term uptrend) but mid-term MAs not aligned.
- SMA20 roughly flat — short-term momentum stalled.
- RSI(14) at 42 — falling, no extreme reading.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 25% off 52W high · 42% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
78
RS percentile
Stage 2 UptrendEstablished S2
1M return
-3.4%
3M return
-3.8%
6M return
+25.6%
1Y return
+18.0%
RS 1D
+1
RS 20D
+5
Sector rank
#10
Industry rank
#47
Stage evidence
- Price is 3.7% above the 30-week proxy.
- The 50-DMA is above the 30-week proxy and its slope is rising +3.5%.
50-DMA
price below
200-DMA
price above
S2 entered
11 Jun 2026
S2 age
91 trading sessions
Sector
weakening
Industry
weakening
Relative-strength line vs Nifty 500 (base 100)
262 observations
19 Oct 2026Value 119.39+0.51%
RS vs Nifty 500119
Valuation & peers
U-Score 19 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 19 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
OVERVALUED
Fundamental score breakdown
U band · OVERVALUEDValuation0/30
Growth11/25
Quality0/20
Balance Sheet6/15
Cash Flow4/10
Piotroski
4/9 (+1)
Penalties
-3
Raw sum
19
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
19/100 · legacy band OVERVALUED
Positive drivers
- Growth contributes 11/25 to the score.
- Balance sheet contributes 6/15 to the score.
- Cash flow contributes 4/10 to the score.
Main drags
- Penalty bucket subtracts 3 points.
- Fair-value margin of safety is negative at -133.7%.
- Valuation is weaker at 0/30; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
66.8
PB
4.5
EV/EBITDA
65.8
ROE
7.7%
ROCE
11.4%
FCF Yield
—
Debt/Equity
0.6
MoS
-133.7%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
19
Previous: 19
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
-133.7%
Previous: -133.7%
Score history
12 stored score snapshots. Latest stored move: +0 points.
20 Oct 2026
v4.3-runtime-valuation
19
19
19
19
19
19
19
19
19
19
19
19
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹63.3
-240.8% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹92.31
-133.7% MoS
PEG
2.09
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
UYFINCORP
Small
U. Y. Fincorp Limited
NBFC / Capital Markets / Insurance
match 159
15
—
2.4%
—
OVERVALUED
MONEYBOXX
Small
Moneyboxx Finance Limited
NBFC / Capital Markets / Insurance
match 157
13
272.0
0.5%
-903%
OVERVALUED
VIJIFIN
Small
Viji Finance Limited
NBFC / Capital Markets / Insurance
match 157
5
67.0
1.2%
-2285%
OVERVALUED
NAHARCAP
Small
Nahar Capital and Financial Services Limited
NBFC / Capital Markets / Insurance
match 156
53
3.3
4.0%
+58%
FAIR VALUE
STARTECK
Small
Starteck Finance Limited
NBFC / Capital Markets / Insurance
match 155
20
10.6
9.5%
-153%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Mangal Credit and Fincorp Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
61Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 32nd percentile of the scored universe and 49th percentile within Financial Services. Main check: balance sheet trust is weak at 35/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
23 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
32nd percentile
overall median 67 · Financial Services: 49th pctile, median 62 · Small: 36th pctile, median 66
Evidence depth
Financial-only
23 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
35
weak · leverage and solvency
Discipline
68
acceptable · capital discipline
Results
87
strong · quarterly consistency
Trust positives
- ▸Promoter holding is 55.3%.
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸3/4 latest quarters had positive YoY PAT growth.
Trust risks
- ▸Operating cash flow is negative at ₹-114 Cr.
- ▸Altman Z is 1.39.
- ▸Debt/equity is 1.92.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Mangal Credit and Fincorp Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement Under Regulation 30 (LODR) - Newspaper Publication 25 Aug - Enclosed herewith Pre AGM Notice Newspaper clippings published in today''s newspaper in accordance with MCA and SEBI circulars
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 14 Aug - Enclosed herewith newspaper clippings containing IEPF Notice to Shareholders.
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.