Mangal Credit & FincorpBOM:505850 +3.63%77 EBITDA Margin % is 39.31% as of Mar. 2026, which is 23% below its 10-year median of 51.35. GuruFocus rates BOM:505850 with a GF Score™ of 77/100 and a GF Value™ of ₹246.78 (Fairly Valued). The stock has 13 warning signs investors should review. Among 411 Credit Services companies, Mangal Credit & Fincorp ranks better than 66.67% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Mangal Credit & Fincorp EBITDA Margin % Related Terms
Mangal Credit & Fincorp EBITDA Margin % Historical Data
* 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.
BOM:505850 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Mangal Credit & Fincorp's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Mangal Credit & Fincorp's EBITDA Margin % falls into.
* 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 (BOM:505850) has a EBITDA Margin % of 39.31% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Mangal Credit & Fincorp and its competitors. This is 23% below median its historical median of 51.35. Over the past decade, Mangal Credit & Fincorp's EBITDA Margin % has ranged from 22.54 to 154.58. According to the industry distribution chart, Mangal Credit & Fincorp ranks #137 out of 411 companies in the Credit Services industry, placing it in the top 33.3%.
Is Mangal Credit & Fincorp's EBITDA Margin % too high?
Mangal Credit & Fincorp's current EBITDA Margin % of 39.31% is 23% below median its 10-year median of 51.35. Over the past 10 years, this metric has ranged from a low of 22.54 to a high of 154.58. The Credit Services industry median EBITDA Margin % is 21.04. Mangal Credit & Fincorp's value of 39.31% is 86.8% above this industry median. Based on the distribution chart, Mangal Credit & Fincorp ranks #137 out of 411 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mangal Credit & Fincorp has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Mangal Credit & Fincorp ranks #137 out of 411 companies for EBITDA Margin %. This puts Mangal Credit & Fincorp in the upper half of its industry. The industry median EBITDA Margin % is 21.04. Mangal Credit & Fincorp's value of 39.31% is 86.8% above this benchmark. Historically, Mangal Credit & Fincorp's own EBITDA Margin % has ranged from 22.54 to 154.58 over the past decade. While the company's 10-year median is 51.35 vs. the industry median of 21.04, Mangal Credit & Fincorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.04, based on 411 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mangal Credit & Fincorp's current EBITDA Margin % of 39.31% is 86.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Mangal Credit & Fincorp and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangal Credit & Fincorp's current EBITDA Margin % is 39.31%, which is 23% below median its own 10-year median of 51.35. 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 ₹246.78, compared to a current price of ₹245.30 — trading 0.6% below its estimated fair value. The current EBITDA Margin % is 39.31%, which is 23% below median its 10-year median of 51.35 and 86.8% above the Credit Services industry median of 21.04. Mangal Credit & Fincorp's overall GF Score™ is 77/100 with 13 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Mangal Credit & Fincorp (BOM:505850), the current EBITDA Margin % is 39.31% 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 ₹245.30 is trading 0.6% below its estimated GF Value™ of ₹246.78.
GuruFocus considers Mangal Credit & Fincorp to be Fairly Valued.
Key valuation signals for BOM:505850:
EBITDA Margin %: 39.31% (23% below median its 10-year median of 51.35)
GF Value™: ₹246.78 vs. price of ₹245.30 (0.6% below fair value)
Industry Position: 86.8% above the Credit Services median (#137 of 411)
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 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.
77GF Score
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