Mangal Credit & Fincorp Ltd
Mangal Credit & Fincorp Ltd Fundamental Analysis
Mangal Credit & Fincorp Ltd (MANCREDIT.NS) shows moderate financial fundamentals with a PE ratio of 28.96, profit margin of 20.44%, and ROE of 8.63%. The company generates $0.6B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.2/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MANCREDIT.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakMANCREDIT.NS struggles to generate sufficient returns from assets.
Valuation Score
WeakMANCREDIT.NS trades at a premium to fair value.
Growth Score
ModerateMANCREDIT.NS shows steady but slowing expansion.
Financial Health Score
ModerateMANCREDIT.NS shows balanced financial health with some risks.
Profitability Score
WeakMANCREDIT.NS struggles to sustain strong margins.
Key Financial Metrics
Is MANCREDIT.NS Expensive or Cheap?
P/E Ratio
MANCREDIT.NS trades at 28.96 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, MANCREDIT.NS's PEG of 34.68 indicates potential overvaluation.
Price to Book
The market values Mangal Credit & Fincorp Ltd at 2.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.79 times EBITDA. This is generally considered low.
How Well Does MANCREDIT.NS Make Money?
Net Profit Margin
For every $100 in sales, Mangal Credit & Fincorp Ltd keeps $20.44 as profit after all expenses.
Operating Margin
Core operations generate 31.52 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.63 in profit for every $100 of shareholder equity.
ROA
Mangal Credit & Fincorp Ltd 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 & Fincorp Ltd generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Mangal Credit & Fincorp Ltd 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.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
34.68
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.92
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
0.04
vs 25 benchmark
How MANCREDIT.NS Stacks Against Its Sector Peers
| Metric | MANCREDIT.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.96 | 19.09 | Worse (Expensive) |
| ROE | 8.63% | 843.00% | Weak |
| Net Margin | 20.44% | 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.NS 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 & Fincorp Ltd's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical