Mangal Credit and Fincorp Ltd
Ticker: MANCREDIT
Risky
48/100
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Investing Reference
Price
182.78
Market Cap
385.92
Debt/Equity
1.4249
ROE %
9.745
PB
2.7429
Promoter %
55.252
Pledge %
0.000
1Y Rev Growth %
48.978
5Y Rev Growth %
24.887
NP Margin %
26.341
NP Margin 5Y Avg %
37.195
Trading Reference
1M Return %
-6.289
6M Return %
8.513
1Y Return %
28.573
% Away 52W High
18.038
% Away 52W Low
38.838
Daily Volume
44958
Investment Verdict
Hold
Score 71/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 25/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Mangal Credit and Fincorp Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, there is potential for significant upside. However, if it falls below the support, downside risk increases.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Mangal Credit and Fincorp Ltd is a prominent financial services provider in India, catering to the diverse needs of individuals and businesses. With a focus on empowering clients through accessible credit solutions, the company plays a vital role in fostering economic growth. Its commitment to customer satisfaction and innovative financial products makes it a reliable partner for those seeking to enhance their financial stability.
- Established player in the Indian financial sector
- Offers a range of credit solutions for individuals and businesses
- Focus on customer-centric services and support
- Promotes financial inclusion and economic growth
- Strong track record of reliability and trustworthiness
Investment Thesis
Mangal Credit and Fincorp Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth and profitability in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth runway in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Strategic focus on customer-centric solutions drives competitive advantage.
- Solid financial performance reinforces the company's stability and growth prospects.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance
- Expansion into new regions
- Strong customer base
- Government support for financial inclusion
- Potential for high returns
Risks ⚠️
- Regulatory changes affecting operations
- High competition in microfinance
- Rising default rates
- Economic downturn impact
- Interest rate fluctuations
Peer Perspective
Mangal Credit and Fincorp Ltd trades at a 20% discount to peers like Mahindra Finance and Bajaj Finance, necessitating improved margin stability and consistent growth to attract investor interest and potential rerating.
Future Outlook
Mangal Credit and Fincorp Ltd is well-positioned for growth, provided it maintains strong execution and effective cost control. Continued focus on strategic initiatives could enhance shareholder value in the evolving financial landscape.
AI FAQs for Retail Users
- Q: What does Mangal Credit and Fincorp Ltd do?A: Mangal Credit and Fincorp Ltd provides financial services, including loans and investment options for individuals and businesses.
- Q: Is Mangal Credit and Fincorp Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research thoroughly before investing.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, sector performance, and company-specific factors. Consider these before investing.
- Q: How can I buy shares of Mangal Credit and Fincorp Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the company's financial health?A: Review the latest financial statements and reports to assess the company's performance and stability.
📊 Stock Investment Checklist (100 Points)
Mangal Credit and Fincorp Ltd • Updated: 2025-09-17 14:38:41
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8BusinessHighThe company operates in the financial services sector, which is evolving with digital transformation.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with operating cash flow showing some volatility.
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9ValuationHighValuation metrics are slightly above industry averages, indicating potential overvaluation.
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7BalanceHighThe debt-to-equity ratio is manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks in scaling operations.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Mangal Credit and Fincorp Ltd presents a risky investment opportunity due to inconsistent growth and profitability metrics, alongside governance concerns.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100