Money Masters Leasing & Finance Ltd

Money Masters Leasing & Finance Ltd

₹ 169 1.75%
12 Jul - close price
About

Incorporated in 1994, Money Masters Leasing and Finance Ltd is engaged in the business of Hire-purchase finance[1]

Key Points

Business Overview:[1]
Company is a deposit-taking Non-Banking Financial Company classified as an NBFC-Asset Finance Companies with the RBI. It is engaged in lending and acceptance of deposits. Company has a diversified lending portfolio across retail, SMEs and commercial customers with significant presence in urban and rural India. It accepts public and corporate deposits and offers variety of financial services products to its customers

  • Market Cap 170 Cr.
  • Current Price 169
  • High / Low 190 / 26.2
  • Stock P/E 332
  • Book Value 15.3
  • Dividend Yield 0.00 %
  • ROCE 2.57 %
  • ROE 3.69 %
  • Face Value 10.0

Pros

Cons

  • Stock is trading at 11.0 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -4.82% over past five years.
  • Promoter holding is low: 34.6%
  • Company has a low return on equity of 3.78% 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Sep 2023 Dec 2023 Mar 2024
0.39 0.73 0.58 0.26 0.84
0.23 0.53 0.37 0.21 0.53
Operating Profit 0.16 0.20 0.21 0.05 0.31
OPM % 41.03% 27.40% 36.21% 19.23% 36.90%
0.00 0.03 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.01 0.01 0.00 0.00
Profit before tax 0.16 0.22 0.20 0.05 0.31
Tax % 0.00% 0.00% 0.00% 0.00% 0.00%
0.16 0.22 0.20 0.05 0.30
EPS in Rs 0.16 0.22 0.20 0.05 0.30
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.42 1.89 2.34 2.44 2.20 2.33 2.65 2.43 2.16 2.25 2.27 2.07
0.49 1.06 0.82 0.73 0.74 0.88 1.10 0.99 0.87 0.94 0.81 1.37
Operating Profit 0.93 0.83 1.52 1.71 1.46 1.45 1.55 1.44 1.29 1.31 1.46 0.70
OPM % 65.49% 43.92% 64.96% 70.08% 66.36% 62.23% 58.49% 59.26% 59.72% 58.22% 64.32% 33.82%
0.08 0.15 0.03 0.02 0.03 0.00 0.00 0.15 0.10 0.14 0.07 0.00
Interest 0.66 0.68 1.15 1.22 0.99 0.96 1.03 0.90 0.78 0.84 0.84 0.00
Depreciation 0.06 0.04 0.05 0.06 0.05 0.04 0.03 0.02 0.02 0.02 0.01 0.01
Profit before tax 0.29 0.26 0.35 0.45 0.45 0.45 0.49 0.67 0.59 0.59 0.68 0.69
Tax % 41.38% 61.54% 28.57% 28.89% 26.67% 26.67% 26.53% 28.36% 28.81% 30.51% 27.94% 26.09%
0.17 0.10 0.25 0.31 0.33 0.33 0.37 0.48 0.42 0.42 0.49 0.51
EPS in Rs 0.44 0.18 0.45 0.53 0.57 0.57 0.37 0.48 0.42 0.42 0.49 0.51
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: -5%
3 Years: -1%
TTM: -9%
Compounded Profit Growth
10 Years: 18%
5 Years: 7%
3 Years: 7%
TTM: 4%
Stock Price CAGR
10 Years: 39%
5 Years: 109%
3 Years: %
1 Year: 407%
Return on Equity
10 Years: 4%
5 Years: 4%
3 Years: 4%
Last Year: 4%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 3.16 4.49 4.49 4.67 4.67 5.84 10.04 10.04 10.04 10.04 10.04 12.65
Reserves 0.71 1.76 1.94 2.45 1.95 2.60 0.87 1.17 1.42 1.81 2.25 2.71
8.97 7.43 13.23 11.92 13.40 14.53 10.81 11.00 12.13 13.89 13.40 12.58
0.59 4.11 0.64 0.66 0.55 0.69 0.43 0.46 0.69 0.70 1.19 1.49
Total Liabilities 13.43 17.79 20.30 19.70 20.57 23.66 22.15 22.67 24.28 26.44 26.88 29.43
0.16 0.12 0.18 0.16 0.15 0.11 0.09 0.07 0.08 0.06 0.05 0.04
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
Investments 0.85 0.82 0.72 0.68 0.68 0.68 0.00 0.00 0.00 0.00 0.00 0.00
12.42 16.85 19.40 18.86 19.74 22.87 22.06 22.60 24.20 26.38 26.83 29.39
Total Assets 13.43 17.79 20.30 19.70 20.57 23.66 22.15 22.67 24.28 26.44 26.88 29.43

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.60 0.27 1.80 0.26 -4.55 0.20 0.62 0.61 0.66 0.70 1.18 0.63
0.83 -3.25 -2.68 0.15 -0.43 -2.72 0.08 -0.76 -1.51 -2.37 -0.42 -2.46
-1.81 4.10 0.58 -0.79 5.29 2.63 -1.61 0.05 0.97 1.48 -0.55 2.00
Net Cash Flow -0.38 1.12 -0.30 -0.38 0.31 0.11 -0.91 -0.10 0.12 -0.18 0.21 0.16

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
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 33.42 -654.68 -739.36 -677.64 76.32 98.69 34.43 6.01 -21.97 -19.47 -80.40 -146.35
ROCE % 7.66% 7.09% 9.00% 8.63% 7.37% 6.56% 6.80% 7.15% 5.98% 5.80% 5.91% 2.57%

Shareholding Pattern

Numbers in percentages

41 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024
34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65%
65.35% 65.35% 65.35% 65.35% 65.35% 65.35% 65.36% 65.36% 65.36% 65.35% 65.35% 65.35%
No. of Shareholders 173173167167166166166164155189198255

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