NSE ScannerComparison · NSE · data 2026-11-01
GIC Housing Finance Limited vs Mangal Credit & Fincorp Ltd.
In plain words
Size: GIC Housing Finance Limited is about 1.3 times the market value of Mangal Credit & Fincorp Ltd..
Valuation (P/E): Mangal Credit & Fincorp Ltd. 27.8 vs GIC Housing Finance Limited 4.1.
Return on equity: Mangal Credit & Fincorp Ltd. 9.8% vs GIC Housing Finance Limited 7.6%.
Profit growth over 3 years: Mangal Credit & Fincorp Ltd. 24.6% a year vs GIC Housing Finance Limited -10.1% a year.
Debt to equity: GIC Housing Finance Limited 4.33 vs Mangal Credit & Fincorp Ltd. 1.92.
Differences in the numbers, not a recommendation of either stock.
Side by side
| GICHSGFIN | MANCREDIT | |
|---|---|---|
| Price | ₹120.62 | ₹237.2 |
| Market cap | ₹651 cr | ₹499 cr |
| P/E | 4.1 | 27.8 |
| P/B | — | — |
| ROE | 7.6% | 9.8% |
| ROCE | — | — |
| Debt / equity | 4.33 | 1.92 |
| Operating margin | 20.3% | 33.3% |
| Dividend yield | 3.73% | 0.32% |
| Sales growth, 3 years (yearly) | -1.3% | 49.1% |
| Profit growth, 3 years (yearly) | -10.1% | 24.6% |
| 1-year return | -32.3% | 28.8% |
| Revenue, last 12 months | ₹1,084 cr | ₹78 cr |
| Net profit, last 12 months | ₹157 cr | ₹18 cr |
| Latest quarter | Jun 2026 | Jun 2026 |
| Quarter net profit | ₹10 cr | ₹6 cr |
| Quarter profit vs a year earlier | +35.8% | +89.7% |
| Promoter holding | 42.41% | 55.25% |
| Health check | Average (4.2/10) | Average (5/10) |
Common questions
Which has a higher P/E, GIC Housing Finance Limited or Mangal Credit & Fincorp Ltd.?
Mangal Credit & Fincorp Ltd. trades at the higher P/E (27.8 against 4.1). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Mangal Credit & Fincorp Ltd. (9.8% against 7.6%).
Which carries more debt?
GIC Housing Finance Limited has the higher debt-to-equity ratio (4.33 against 1.92).