Mangal Credit and Fincorp Limited
Mangal Credit and Fincorp Limited Fundamental Analysis
Mangal Credit and Fincorp Limited (MANCREDIT.BO) shows moderate financial fundamentals with a PE ratio of 28.71, profit margin of 20.09%, and ROE of 8.68%. The company generates $0.6B in annual revenue with strong year-over-year growth of 46.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze MANCREDIT.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakMANCREDIT.BO struggles to generate sufficient returns from assets.
Valuation Score
WeakMANCREDIT.BO trades at a premium to fair value.
Growth Score
ExcellentMANCREDIT.BO delivers strong and consistent growth momentum.
Financial Health Score
ModerateMANCREDIT.BO shows balanced financial health with some risks.
Profitability Score
WeakMANCREDIT.BO struggles to sustain strong margins.
Key Financial Metrics
Is MANCREDIT.BO Expensive or Cheap?
P/E Ratio
MANCREDIT.BO trades at 28.71 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, MANCREDIT.BO's PEG of 44.00 indicates potential overvaluation.
Price to Book
The market values Mangal Credit and Fincorp Limited at 2.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.22 times EBITDA. This is generally considered low.
How Well Does MANCREDIT.BO Make Money?
Net Profit Margin
For every $100 in sales, Mangal Credit and Fincorp Limited keeps $20.09 as profit after all expenses.
Operating Margin
Core operations generate 41.29 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.68 in profit for every $100 of shareholder equity.
ROA
Mangal Credit and Fincorp Limited generates $2.77 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Mangal Credit and Fincorp Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Mangal Credit and Fincorp Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
MANCREDIT.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.71
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
44.002
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.75
vs 25 benchmark
Current Ratio
Current assets to current liabilities
54.85
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How MANCREDIT.BO Stacks Against Its Sector Peers
| Metric | MANCREDIT.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.71 | 19.09 | Worse (Expensive) |
| ROE | 8.68% | 843.00% | Weak |
| Net Margin | 20.09% | 3730.00% | Weak |
| Debt/Equity | 1.75 | 0.90 | Weak (High Leverage) |
| Current Ratio | 54.85 | 661.68 | Strong Liquidity |
| ROA | 2.77% | -21651.00% (disorted) | Weak |
MANCREDIT.BO outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Mangal Credit and Fincorp Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
432.05%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
18.06%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-412.16%
Industry Style: Value, Dividend, Cyclical
Declining