Stock 505850 MANGAL CREDIT AND FINCORP LIMITED
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Financials Mangal Credit and Fincorp Limited

Equities

505850

INE545L01039

Consumer Lending

Market Closed - Bombay S.E.
Other stock markets
 06:00:57 2024-06-14 EDT 		5-day change 1st Jan Change
104.8 INR +0.10% Intraday chart for Mangal Credit and Fincorp Limited +0.62% -7.30%
05-10 Mangal Credit And Fincorp to Open New Branch in Thane, India MT
05-07 Mangal Credit and Fincorp Limited Reports Earnings Results for the Fourth Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: März 2018 2019 2020 2021 2022 2023
Capitalization 1 602.6 1,022 640.3 1,145 1,940 1,942
Enterprise Value (EV) 1 950.5 1,304 685.6 1,282 2,219 2,701
P/E ratio 7.99 x 14.3 x 5.95 x 20.1 x 31.9 x 24.5 x
Yield 1.34% 0.95% 1.51% 0.84% 0.5% 0.5%
Capitalization / Revenue 0.52 x 0.97 x 7.18 x 10.1 x 14.2 x 9.28 x
EV / Revenue 0.82 x 1.24 x 7.69 x 11.3 x 16.2 x 12.9 x
EV / EBITDA 3.76 x 5.16 x 9.62 x 14 x 21 x 17.4 x
EV / FCF 7.27 x 11.8 x -4.77 x -19.3 x -16.6 x -5.73 x
FCF Yield 13.8% 8.46% -21% -5.19% -6.03% -17.4%
Price to Book 0.79 x 1.1 x 0.67 x 1.15 x 1.83 x 1.73 x
Nbr of stocks (in thousands) 16,112 19,314 19,314 19,314 19,314 19,314
Reference price 2 37.40 52.90 33.15 59.30 100.4 100.6
Announcement Date 18-08-14 19-09-06 20-12-03 21-09-04 22-09-03 23-08-30
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 1,161 1,050 89.15 113.2 136.9 209.3
EBITDA 1 252.6 252.6 71.28 91.3 105.6 155.3
EBIT 1 196.6 193.5 69.88 89.78 104.2 153.7
Operating Margin 16.94% 18.43% 78.38% 79.3% 76.13% 73.45%
Earnings before Tax (EBT) 1 120.5 104.8 135.6 81.83 86.82 110.1
Net income 1 84.02 71.68 107.6 57.11 60.81 79.13
Net margin 7.24% 6.83% 120.75% 50.45% 44.41% 37.82%
EPS 2 4.680 3.710 5.570 2.957 3.149 4.097
Free Cash Flow 1 130.8 110.3 -143.7 -66.48 -133.7 -471.1
FCF margin 11.27% 10.51% -161.24% -58.72% -97.66% -225.11%
FCF Conversion (EBITDA) 51.79% 43.67% - - - -
FCF Conversion (Net income) 155.7% 153.89% - - - -
Dividend per Share 2 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000
Announcement Date 18-08-14 19-09-06 20-12-03 21-09-04 22-09-03 23-08-30
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: März 2018 2019 2020 2021 2022 2023
Net Debt 1 348 283 45.3 137 279 759
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 1.377 x 1.119 x 0.6356 x 1.497 x 2.643 x 4.89 x
Free Cash Flow 1 131 110 -144 -66.5 -134 -471
ROE (net income / shareholders' equity) 10.5% 7.49% 10.9% 5.87% 5.91% 7.26%
ROA (Net income/ Total Assets) 5.46% 5.57% 2.83% 5.1% 5.13% 5.64%
Assets 1 1,539 1,288 3,810 1,120 1,185 1,404
Book Value Per Share 2 47.30 48.30 49.10 51.70 54.80 58.00
Cash Flow per Share 2 16.10 22.40 0.9100 0.2100 0.7300 5.860
Capex 1 96.2 91.7 114 0.64 0.94 3
Capex / Sales 8.29% 8.74% 127.83% 0.57% 0.69% 1.43%
Announcement Date 18-08-14 19-09-06 20-12-03 21-09-04 22-09-03 23-08-30
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Consumer Lending

1st Jan change Capi.
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Other Consumer Lending
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