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Mangal Credit & FincorpBOM:505850 -0.52%65 5-Year Yield-on-Cost % is 0.48 as of Sep. 05, 2026, which is 29% below its 10-year median of 0.68. GuruFocus rates BOM:505850 with a GF Score™ of 65/100 and a GF Value™ of ₹268.88 (Modestly Undervalued). The stock has 12 warning signs investors should review. Among 206 Credit Services companies, Mangal Credit & Fincorp ranks worse than 89.32% on this metric.
The historical rank and industry rank for Mangal Credit & Fincorp's 5-Year Yield-on-Cost % or its related term are showing as below:
BOM:505850'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.42 Med: 0.68 Max: 2.25
Current: 0.48
During the past 13 years, Mangal Credit & Fincorp's highest Yield on Cost was 2.25. The lowest was 0.42. And the median was 0.68.
BOM:505850's 5-Year Yield-on-Cost % is ranked worse than 89.32% of 206
companies
in the Credit Services industry
Industry Median: 4.44
vs BOM:505850: 0.48
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Mangal Credit & Fincorp 5-Year Yield-on-Cost % Related Terms
BOM:505850 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Mangal Credit & Fincorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Mangal Credit & Fincorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Mangal Credit & Fincorp (BOM:505850) has a 5-Year Yield-on-Cost % of 0.48 as of Sep. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mangal Credit & Fincorp and its competitors. This is 29% below median its historical median of 0.68. Over the past decade, Mangal Credit & Fincorp's 5-Year Yield-on-Cost % has ranged from 0.42 to 2.25. According to the industry distribution chart, Mangal Credit & Fincorp ranks #184 out of 206 companies in the Credit Services industry, placing it in the top 89.3%.
Is Mangal Credit & Fincorp's 5-Year Yield-on-Cost % too high?
Mangal Credit & Fincorp's current 5-Year Yield-on-Cost % of 0.48 is 29% below median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 2.25. The Credit Services industry median 5-Year Yield-on-Cost % is 4.44. Mangal Credit & Fincorp's value of 0.48 is 89.2% below this industry median. Based on the distribution chart, Mangal Credit & Fincorp ranks #184 out of 206 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Mangal Credit & Fincorp has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Mangal Credit & Fincorp ranks #184 out of 206 companies for 5-Year Yield-on-Cost %. This places Mangal Credit & Fincorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.44. Mangal Credit & Fincorp's value of 0.48 is 89.2% below this benchmark. Historically, Mangal Credit & Fincorp's own 5-Year Yield-on-Cost % has ranged from 0.42 to 2.25 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 4.44, Mangal Credit & Fincorp has consistently been below 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.44, based on 206 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mangal Credit & Fincorp's current 5-Year Yield-on-Cost % of 0.48 is 89.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mangal Credit & Fincorp and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangal Credit & Fincorp's current 5-Year Yield-on-Cost % is 0.48, which is 29% below median its own 10-year median of 0.68. 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 Modestly Undervalued. The stock's GF Value™ is ₹268.88, compared to a current price of ₹227.70 — trading 15.3% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.48, which is 29% below median its 10-year median of 0.68 and 89.2% below the Credit Services industry median of 4.44. Mangal Credit & Fincorp's overall GF Score™ is 65/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Mangal Credit & Fincorp (BOM:505850), the current 5-Year Yield-on-Cost % is 0.48 as of Sep. 05, 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 ₹227.70 is trading 15.3% below its estimated GF Value™ of ₹268.88.
GuruFocus considers Mangal Credit & Fincorp to be Modestly Undervalued.
Key valuation signals for BOM:505850:
5-Year Yield-on-Cost %: 0.48 (29% below median its 10-year median of 0.68)
GF Value™: ₹268.88 vs. price of ₹227.70 (15.3% below fair value)
Industry Position: 89.2% below the Credit Services median (#184 of 206)
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.
65GF Score
Get the complete analysis for BOM:505850
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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