Money Masters Leasing & Finance Ltd
₹ 0.87
-4.40%
12 Dec
- close price
About
Incorporated in 1994, Money Masters Leasing
and Finance Ltd is registered as a Non-Banking Finance Company – Asset Financing Company[1]
Key Points
- Market Cap ₹ 8.73 Cr.
- Current Price ₹ 0.87
- High / Low ₹ 9.18 / 0.85
- Stock P/E 25.7
- Book Value ₹ 1.57
- Dividend Yield 0.00 %
- ROCE 4.42 %
- ROE 3.94 %
- Face Value ₹ 1.00
Pros
- Stock is trading at 0.55 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -2.51% over past five years.
- Promoter holding is low: 34.6%
- Company has a low return on equity of 4.02% over last 3 years.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.89 | 2.34 | 2.44 | 2.20 | 2.33 | 2.65 | 2.43 | 2.16 | 2.25 | 2.27 | 2.07 | 2.14 | 1.44 | |
| 1.06 | 0.82 | 0.73 | 0.74 | 0.88 | 1.10 | 0.99 | 0.87 | 0.94 | 0.81 | 0.65 | 0.88 | 1.09 | |
| Operating Profit | 0.83 | 1.52 | 1.71 | 1.46 | 1.45 | 1.55 | 1.44 | 1.29 | 1.31 | 1.46 | 1.42 | 1.26 | 0.35 |
| OPM % | 43.92% | 64.96% | 70.08% | 66.36% | 62.23% | 58.49% | 59.26% | 59.72% | 58.22% | 64.32% | 68.60% | 58.88% | 24.31% |
| 0.15 | 0.03 | 0.02 | 0.03 | -0.00 | -0.00 | 0.15 | 0.10 | 0.14 | 0.07 | -0.00 | -0.00 | 0.00 | |
| Interest | 0.68 | 1.15 | 1.22 | 0.99 | 0.96 | 1.03 | 0.90 | 0.78 | 0.84 | 0.84 | 0.72 | 0.56 | 0.00 |
| Depreciation | 0.04 | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 |
| Profit before tax | 0.26 | 0.35 | 0.45 | 0.45 | 0.45 | 0.49 | 0.67 | 0.59 | 0.59 | 0.68 | 0.69 | 0.69 | 0.35 |
| Tax % | 61.54% | 28.57% | 28.89% | 26.67% | 26.67% | 26.53% | 28.36% | 28.81% | 30.51% | 27.94% | 26.09% | 26.09% | |
| 0.10 | 0.25 | 0.31 | 0.33 | 0.33 | 0.37 | 0.48 | 0.42 | 0.42 | 0.49 | 0.51 | 0.51 | 0.34 | |
| EPS in Rs | 0.02 | 0.04 | 0.05 | 0.06 | 0.06 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | -3% |
| 3 Years: | -2% |
| TTM: | -38% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 1% |
| 3 Years: | 7% |
| TTM: | -55% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -90% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 4% |
| 3 Years: | 4% |
| Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4.49 | 4.49 | 4.67 | 4.67 | 5.84 | 10.04 | 10.04 | 10.04 | 10.04 | 10.04 | 10.04 | 10.04 | 12.65 |
| Reserves | 1.76 | 1.94 | 2.45 | 1.95 | 2.60 | 0.87 | 1.17 | 1.42 | 1.81 | 2.25 | 2.71 | 3.10 | 3.14 |
| 7.43 | 13.23 | 11.92 | 13.40 | 14.53 | 10.81 | 11.00 | 12.13 | 13.89 | 13.40 | 15.19 | 15.42 | 12.73 | |
| 4.11 | 0.64 | 0.66 | 0.55 | 0.69 | 0.43 | 0.46 | 0.69 | 0.70 | 1.15 | 1.49 | 1.53 | 1.58 | |
| Total Liabilities | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.84 | 29.43 | 30.09 | 30.10 |
| 0.12 | 0.18 | 0.16 | 0.15 | 0.11 | 0.09 | 0.07 | 0.08 | 0.06 | 0.05 | 0.04 | 0.03 | 0.03 | |
| CWIP | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Investments | 0.82 | 0.72 | 0.68 | 0.68 | 0.68 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| 16.85 | 19.40 | 18.86 | 19.74 | 22.87 | 22.06 | 22.60 | 24.20 | 26.38 | 26.79 | 29.39 | 30.06 | 30.07 | |
| Total Assets | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.84 | 29.43 | 30.09 | 30.10 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.27 | 1.80 | 0.26 | -4.55 | 0.20 | 0.62 | 0.61 | 0.66 | 0.70 | 0.99 | 0.63 | 0.59 | |
| -3.25 | -2.68 | 0.15 | -0.43 | -2.72 | 0.08 | -0.76 | -1.51 | -2.37 | -0.42 | -2.46 | -0.81 | |
| 4.10 | 0.58 | -0.79 | 5.29 | 2.63 | -1.61 | 0.05 | 0.97 | 1.48 | -0.55 | 2.00 | 0.10 | |
| Net Cash Flow | 1.12 | -0.30 | -0.38 | 0.31 | 0.11 | -0.91 | -0.10 | 0.12 | -0.18 | 0.02 | 0.16 | -0.12 |
Ratios
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Working Capital Days | -654.68 | -739.36 | -677.64 | 76.32 | 98.69 | 34.43 | 6.01 | -21.97 | -19.47 | -83.61 | -146.35 | -144.98 |
| ROCE % | 7.09% | 9.00% | 8.63% | 7.37% | 6.56% | 6.80% | 7.15% | 5.98% | 5.80% | 5.91% | 5.26% | 4.42% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Newspaper Publication 2 Nov
- Unaudited Financial Results Along With The Limited Review Reports Thereon For The Quarter And Six Months Period Ended 30Th September 2025. 31 Oct
-
Board Meeting Outcome for Unaudited Financial Results Along With The Limited Review Reports Thereon For The Quarter And Six Months Period Ended 30Th September 2025
31 Oct - Board approved unaudited Q2/H1 results for period ended 30-Sep-2025: H1 revenue Rs54.58L, H1 profit Rs6.43L
-
Board Meeting Intimation for Board Meeting Scheduled To Be Held On Friday, 31St October 2025
27 Oct - Board meeting 31 Oct 2025 to approve Unaudited Q2/H1 results; trading window closed Oct 1–Nov 2.
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
14 Oct - Reg 74(5) confirmation certificate for dematerialisation, quarter 01-Jul to 30-Sep-2025, submitted to BSE.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
Business Overview:[1]
a) MMLFL provides loans to individuals for personal use, domestic appliances, and asset purchases
b) The company offers hire-purchase loans for vehicles and equipment, contributing
over 80% of the total turnover
c) It also funds small and medium enterprises and startup businesses for machinery and consumer goods intended for commercial activity