₹229.24
-3.15% today
· 30d -9.25%
as of 2026-09-04
Price · Daily Candles
“MANCREDIT's Q4 Profit Soars 10.22% YoY, Yet FIIs Trim Holdings Amidst Price Dip”
MANCREDIT reported impressive Q4 2025 results with net profit up 10.22% YoY to ₹4.0 Cr and revenue increasing by 44.36% YoY. However, the stock currently trades at a PE of 28.48, and its share price has softened, showing a -0.59% return over the last month and a -2.47% return over the past three months. The company's free cash flow challenges also persist, with a current FCF yield of -13.9%.
BULL CASE
+Quarterly revenue grew significantly, up 44.36% YoY to ₹18.0 Cr in Q4 2025.
+Net profit saw a healthy increase of 10.22% YoY in Q4 2025, reaching ₹4.0 Cr.
+Annual revenue for FY25 surged by 48.97% YoY to ₹50.0 Cr, underscoring strong top-line performance.
+The 3-year revenue CAGR stands at 49.56% and net profit CAGR at 28.98%, indicating sustained growth.
+ML predictions show a neutral outlook for FCF 1-year growth, with a rank of 0.628 (recent 2y).
BEAR CASE
−The FII shareholding decreased by 0.05% QoQ in Q4 2025, and DIIs reduced their stake by 0.01% QoQ.
−The stock is trading 20.28% off its 52-week high of ₹215.75.
−The company's FCF yield is deeply negative at -13.9%, indicating a significant free cash flow burn of -₹50.0 Cr.
−Despite positive growth, the PE ratio of 28.48 is higher than peers like Shriram Finance (PE 22.35) and PFC (PE 5.53).
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹22 Cr
+53.1% YoY
NET PROFIT
₹6 Cr
+89.73% YoY
OPM
82.05%
+7.35pp YoY
EPS
₹2.7
PE 28.48
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-24.0% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
MANCREDIT trades at a PE of 28.48, placing it above some large peers like Shriram Finance (PE 22.35) and PFC (PE 5.53), but below Bajaj Finance (PE 30.41), while its 6.0 ROCE is competitive in the Credit Services sector.
PEERPEROCE %
MANCREDIT28.48—
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ML Forward Growth Predictions 🔒
79
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
STRONG
90
Valuation
REASONABLE
60
Growth
STRONG
73
Profitability
HIGH
100
Technicals
NEUTRAL
62
Risk
LOW
90
Key Stats
TTM PE
28.48
P/B
2.19
52W HIGH
₹287.27
OFF HIGH
-20.2%
DIV YIELD
0.44%
MKT CAP
₹481 Cr
◉ Active Signals
MACDNeutral-0.2094
RSI(14)Neutral48.0
⧉ Strategy Fit 🔒