Mangal Credit and Fincorp Limited (MANCREDIT) Fair Value & Analysis
Financial Services · IN · Market cap ₹5.0B
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 4 days ago
Fair value updated Aug 13, 2026, revised from ₹144.99 to ₹94.24 (−35.0%) since Aug 8, 2026. Share price +1.4% over the past month.
Below-average quality, and screening another 60% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹94.24). The favourable scenario is already priced in.
- Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
24‑month range ₹133.43 – ₹257.36 · fair‑value band ₹62.45 – ₹94.24 · the ₹236.73 price screens above the ₹94.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Mangal Credit and Fincorp Limited (MANCREDIT) currently trades at ₹236.73, while our model-based Fair Value estimate is ₹94.24, implying the stock looks roughly 60.2% overvalued today. The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Mangal Credit and Fincorp Limited generated revenue of ₹699M at a net margin of 21.9%. Revenue grew 59.4% year over year. It earns a return on equity of 9.8%. Net debt stands at ₹3.0B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹62.45 (bear case) to ₹94.24 (bull case); at ₹236.73, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% below its 52-week high and 56% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -60%, MANCREDIT screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Earnings-Based (₹253.73) versus Dividend Discount (₹10.52). Highest evidence: Residual Income (76).
Notify me when MANCREDIT reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 34 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Mangal Credit and Fincorp Limited operates as a non-banking financial company in India. The company offers small and medium enterprises, gold, and personal loans, as well as loan against property; and credit services. The company was formerly known as Tak Machinery & Leasing Limited and changed its name to Mangal Credit and Fincorp Limited in June 2013.
Full company description
Mangal Credit and Fincorp Limited operates as a non-banking financial company in India. The company offers small and medium enterprises, gold, and personal loans, as well as loan against property; and credit services. The company was formerly known as Tak Machinery & Leasing Limited and changed its name to Mangal Credit and Fincorp Limited in June 2013. Mangal Credit and Fincorp Limited was incorporated in 1961 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Mangal Credit and Fincorp Limited reported revenue of ₹699M in FY2026 versus ₹136M in FY2022, a compound +50.4%/yr. Reported net income was ₹153M in FY2026, compounding +26.0%/yr from FY2022.
MANCREDIT screens 60% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 334 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
Compare Mangal Credit and Fincorp Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Mangal Credit and Fincorp Limited (MANCREDIT) overvalued or undervalued?
What is the fair value of MANCREDIT?
What is the quality score of MANCREDIT?
What is the revenue of Mangal Credit and Fincorp Limited (MANCREDIT)?
What is the net profit margin of MANCREDIT?
Does Mangal Credit and Fincorp Limited pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Mangal Credit and Fincorp Limited and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.