Mangal Credit & Fincorp (BOM:505850) E10: ₹5.37 (As of Mar. 2026)


BOM:505850 Mangal Credit & Fincorp Ltd BOM:505850
73 GF Score
Price ₹245.55
GF Value ₹247.17
Valuation Fairly Valued
! 13 Warning Signs
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What is Mangal Credit & Fincorp E10?

Mangal Credit & Fincorp BOM:505850 +0.10% 73 E10 is ₹5.37 as of Mar. 2026. GuruFocus rates BOM:505850 with a GF Score™ of 73/100 and a GF Value™ of ₹247.17 (Fairly Valued). The stock has 13 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Mangal Credit & Fincorp's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹2.590. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹5.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Mangal Credit & Fincorp's average E10 Growth Rate was 11.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-07), Mangal Credit & Fincorp's current stock price is ₹245.55. Mangal Credit & Fincorp's E10 for the quarter that ended in Mar. 2026 was ₹5.37. Mangal Credit & Fincorp's Shiller PE Ratio of today is 45.73.

During the past 13 years, the highest Shiller PE Ratio of Mangal Credit & Fincorp was 45.68. The lowest was 23.54. And the median was 31.18.


Mangal Credit & Fincorp  (BOM:505850) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Mangal Credit & Fincorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=245.55/5.37
=45.73

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Mangal Credit & Fincorp was 45.68. The lowest was 23.54. And the median was 31.18.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Mangal Credit & Fincorp E10 Related Terms


Mangal Credit & Fincorp E10 Historical Data

* Premium members only.

The historical data trend for Mangal Credit & Fincorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mangal Credit & Fincorp E10 Chart

Mangal Credit & Fincorp Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 4.33 4.81 5.37

Mangal Credit & Fincorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.81 4.94 5.07 5.24 5.37

BOM:505850 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Mangal Credit & Fincorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Mangal Credit & Fincorp Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Mangal Credit & Fincorp's Shiller PE Ratio falls into.


BOM:505850
73GF Score
Mangal Credit & Fincorp Ltd BOM:505850
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mangal Credit & Fincorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Mangal Credit & Fincorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.59/164.2724*164.2724
=2.590

Current CPI (Mar. 2026) = 164.2724.

Mangal Credit & Fincorp Quarterly Data

per share eps CPI Adj_EPS
201303 0.570 85.687 1.093
201306 0.340 88.365 0.632
201403 0.000 91.425 0.000
201503 0.000 97.163 0.000
201603 0.000 102.518 0.000
201703 0.000 105.196 0.000
201706 0.600 107.109 0.920
201803 0.000 109.786 0.000
201806 1.440 111.317 2.125
201809 -2.562 115.142 -3.655
201812 2.650 115.142 3.781
201903 1.717 118.202 2.386
201906 0.630 120.880 0.856
201909 1.020 123.175 1.360
201912 0.620 126.235 0.807
202003 3.300 124.705 4.347
202006 0.800 127.000 1.035
202009 0.770 130.118 0.972
202012 0.670 130.889 0.841
202103 0.720 131.771 0.898
202106 0.780 134.084 0.956
202109 0.720 135.847 0.871
202112 0.810 138.161 0.963
202203 0.840 138.822 0.994
202206 0.810 142.347 0.935
202209 1.060 144.661 1.204
202212 1.100 145.763 1.240
202303 1.130 146.865 1.264
202306 1.280 150.280 1.399
202309 1.360 151.492 1.475
202312 1.480 152.924 1.590
202403 1.330 153.035 1.428
202406 1.920 155.789 2.025
202409 1.630 157.882 1.696
202412 1.750 158.323 1.816
202503 1.300 157.552 1.355
202506 1.490 159.755 1.532
202509 1.430 162.289 1.447
202512 1.820 163.281 1.831
202603 2.590 164.272 2.590

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹5.37 mean?
Mangal Credit & Fincorp (BOM:505850) has a E10 of ₹5.37 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mangal Credit & Fincorp and its competitors.
Is Mangal Credit & Fincorp's E10 too high?
Mangal Credit & Fincorp's current E10 is ₹5.37. Overall, Mangal Credit & Fincorp has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's E10 compare to V and MA?
Mangal Credit & Fincorp's E10 of ₹5.37 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mangal Credit & Fincorp and its competitors. Mangal Credit & Fincorp's current E10 is ₹5.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangal Credit & Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Mangal Credit & Fincorp (BOM:505850) is currently considered Fairly Valued. The stock's GF Value™ is ₹247.17, compared to a current price of ₹245.55 — trading 0.7% below its estimated fair value. The current E10 is ₹5.37. Mangal Credit & Fincorp's overall GF Score™ is 73/100 with 13 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Mangal Credit & Fincorp (BOM:505850), the current E10 is ₹5.37 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mangal Credit & Fincorp (BOM:505850) Overvalued in 2026?

Based on GuruFocus' analysis, Mangal Credit & Fincorp stock appears to be undervalued. The current stock price of ₹245.55 is trading 0.7% below its estimated GF Value™ of ₹247.17. GuruFocus considers Mangal Credit & Fincorp to be Fairly Valued.

Key valuation signals for BOM:505850:

  • E10: ₹5.37
  • GF Value™: ₹247.17 vs. price of ₹245.55 (0.7% below fair value)
  • GF Score™: 73/100 with 13 warning signs

No single metric tells the full story. See the BOM:505850 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mangal Credit & Fincorp Business Description

Other Exchanges MANCREDIT:India
Address Ram Mandir Road, Graham Firth Steel Compound, Office No-1701/1702, 17th Floor, A-Wing, Lotus Corporate Park, Western Express Highway, Goregaon (East), Mumbai, MH, IND, 400063
Mangal Credit & Fincorp Ltd is a non-banking financial company. The company offers services, including loans and credit facilities, private educational funding, and trade-in money market underwriting stocks and shares. Its products include Gold loans, Personal loans, and SME(small and medium enterprises) loans. Geographically all the operations function through the regions of India. The company generates the majority of its revenue from Interest Income. The company also generates revenue from Fees and commission income.
73GF Score

Get the complete analysis for BOM:505850

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹245.55
Price
₹247.17
GF Value