Close 2026-08-21 1267 scanned A

MANCREDIT

Mangal Credit and Fincorp Limited
Small capRs 460 crRs 5.1 cr traded a day
Close on 2026-08-21
218.06
−2.89%
52-week range61% of the way up
157.48257.36
Market cap
460 cr
P/E (TTM)
25.6×
EPS (TTM)
8.52
Revenue YoY
+53.1%
Q1 FY27
Profit YoY
+89.7%
Net margin
25.7%
+5.0pt vs a year ago
Growth trend
-6.3pt
vs last quarter’s YoY
1 month
+1.1%
Below 52w high
18.0%
RSI (14)
29
oversold
Daily swing
7.1%
average true range
Volume
0.8×
vs 20-day average
Traded
Rs 5 cr
median day
Close200-day averageMaterial filing
150200250Aug 25Oct 25Dec 25Feb 26Apr 26Jun 26Aug 26
260 sessions · hover for the filing behind a move
1 week
−8.41%
1 month
+1.10%
3 months
+27.62%
6 months
+29.40%
1 year
+18.63%

The read

written from the numbers on this page
The evidence leans constructive5 supporting, 0 against, 2 worth knowing

Supporting

  • trading 17% above its 200-day average
  • up 19% over twelve months
  • 4 independent kinds of evidence agree today, which is uncommon
  • revenue grew 53% year on year in the quarter ending 2026-06-30
  • net margin has widened from 18.9% to 25.7% across four quarters

Against

  • nothing the data supports either way

Worth knowing

  • the 50-day and 200-day averages disagree, which usually means a turn in progress rather than a trend to lean on
  • RSI at 29 is washed out — historically the better half of this site's measured edge comes from exactly this condition
What would change this read: a close below 187, its 200-day average.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.

What is working, what is not

read from the filings, with the figure behind every line
Working3

Revenue +53.1% year on year, Rs 14 cr to Rs 22 cr.

+53.1%Rs 14 crRs 22 cr

Net profit +89.7% year on year, Rs 3 cr to Rs 6 cr.

+89.7%Rs 3 crRs 6 cr

Net margin moved from 20.7% to 25.7%.

20.7%25.7%
Needs watching1

Operating cash flow was only Rs -114 cr against Rs 18 cr of reported profit, -634% of it.

Rs -114 crRs 18 cr-634%
Every figure here is computed from the company’s own filings. The wording is generated directly from the figures.

How it has performed

price return over each window, measured against zero
-8.4%1W+1.1%1M+27.6%3M+29.4%6M+18.6%1Y

What the scans say today

12 of 47 matched on 2026-08-21
MANCREDIT matches 12 of the 47 scans today, across 4 different kinds of evidence. Three or more independent families agreeing is uncommon — it is the same test the shortlist on every page uses.

Quality of the business

balance sheet as at 2026-03-31
Return on equity
10.4%
trailing profit over shareholders’ funds
Return on capital
14.2%
pre-tax profit over equity plus borrowings
Debt to equity
0.00×
0 cr borrowed against 173 cr of equity
Net debt
27 cr
cash exceeds borrowings
Cash conversion
-634%
operating cash flow as a share of profit
Return on capital uses profit before tax over equity plus borrowings. The textbook version adds finance costs back; those are not tagged reliably in quarterly filings, so this understates the ratio for a heavily borrowed company rather than flattering it. Balance sheets are filed half-yearly, so these can be up to six months behind the profit figures above.

Valuation against its own history

271 sessions since 2025-08-05
28×
median 30×
33×
now 26×
MANCREDIT trades at 26× trailing earnings, below its median of 30× over this window — 14% less expensive than usual. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.

Recent filings

from the exchange, newest first
Board meeting filings were typically -0.04pt vs the market over the next 5 sessions (n=5,458) · Other filing filings were typically -0.08pt vs the market over the next 5 sessions (n=12,093) · Results filings were typically -0.52pt vs the market over the next 5 sessions (n=7,520)

The business

from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
121313141618212227.7%18.9%25.7%Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.

Going for it

  • revenue grew 53% against the same quarter a year earlier
  • profit rose 90% year on year
  • net margin narrowed from 25.7% to 25.7%
  • revenue rose in 4 of the last 4 quarters

Going against it

  • nothing clear in the filed numbers
Quarter-by-quarter numbers, as filed
QuarterRevenueProfit before taxNet profitEPSNet margin
Q1 FY27
2026-06-30 · standalone
22862.7025.7%
Q4 FY26
2026-03-31 · standalone
21752.5925.7%
Q3 FY26
2025-12-31 · standalone
18541.8220.9%
Q2 FY26
2025-09-30 · standalone
16431.4818.9%
Q1 FY26
2025-06-30 · standalone
14431.5320.7%
Q4 FY25
2025-03-31 · standalone
13431.3419.6%
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.

Where the price stands

the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average-5.9%
Versus 200-day average+16.6%
Below 52-week high-15.3%
Above 52-week low+38.5%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)29.0
Higher closes in last 51 of 5
Six-month return+29.40%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)7.14%
Volume versus 20-day0.8x
Median daily turnoverRs 5.1 cr

Recent sessions

what this stock has matched since the engine went live
This is the live record, not the backtest — the scans this stock actually appeared in on each stored session. A name that keeps reappearing is in a persistent condition; a one-day appearance usually is not.
SessionScansWhich
2026-08-211Profit on paper, not in cash