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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Mangal Credit & Fincorp Limited (MCFL) is an India-based non-banking financial company (NBFC). The Company is engaged in the business of providing various types of loans to different types of customers. It is engaged in the business segment of financing. The Company provides…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, priced for perfection.
MANGAL CREDIT N FINCORP L is scored on the nbfc / financials framework. It keeps a fat 21.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 49%/yr and profit at 25%/yr. Book value itself has compounded 16%/yr — the hallmark of a genuine compounder. Return on equity is a modest 8.2%. In the latest quarter profit grew 4% versus the prior quarter.
At 32× earnings, the stock sits at the 97th percentile of its own 2.3-year range — the expensive end of where it has historically traded. Today's price implies ~4%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 14.26 | 10.88 | worse |
| P/B | 1.1 | 1.4 | better |
| EV/EBITDA | 5.04 | 14.13 | better |
| ROE | 8.18 | — | — |
| ROCE | 12.01 | — | — |
| ROA | 4.08 | — | — |
| Quick Ratio | 2 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 49% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (49% vs 25%) — costs are rising faster than the top line.
Operating margin has compressed from 51% to 30% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 9% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (25% vs 22%) — share dilution is eroding per-share value. 22% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 27% above earlier ones.
Quarterly net margins are expanding (19% → 26%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.3y median.
Promoter holding at 55.3% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.