₹78.41
Above FV▼ -64.1% against the close used
Model range ₹18.32 – ₹167.08
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Bear₹18.32Fair value₹78.41Bull₹167.08
FairClose
52-week traded range
52W low ₹157.4852W high ₹257.36
The 52-week range is measured from the stored price history, not estimated.
Trading above the consensus fair value
Mangal Credit N Fincorp L closed at ₹218.58, 178.8% above the consensus fair value of ₹78.41 drawn from 8 valuation models.
Financial DNA score 31/100 — Weak. P/E of 66.4x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
DCF Valuation
₹73.64
-66.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹60.35
-72.4%
√(22.5 × EPS × BVPS)
EPS=3.71, BVPS=43.63 · outside Graham range (P/E 66.4, P/B 5) — asset-light, treat as a rough floor
Graham Formula
₹167.08
-23.6%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=20%, FD=7%
P/E Fair Value
₹62.51
-71.4%
EPS × 16.85x (sector P/E)
EPS=3.71, Sector P/E=16.85x
Peter Lynch (PEG)
₹92.75
-57.6%
EPS × Growth% (PEG = 1 is fair)
EPS=3.71, g=25%
Book Value (P/B)
₹18.32
-91.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=43.63, ROE=7.7%, g=6%, r=10%
Reverse DCF
₹218.58
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 21.8% | Historical: 25%
Margin of Safety
₹68.17
-68.8%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=90.9, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.