Money Masters Leasing & Finance Ltd

Money Masters Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Money Masters Leasing & Finance Ltd

₹ 0.76 -1.30%
05 Jun - close price
moneymasters.in BSE: 535910
About

Incorporated in 1994, Money Masters Leasing
and Finance Ltd is registered as a Non-Banking Finance Company – Asset Financing Company[1]

Key Points

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

Website BSE
  • Market Cap ₹ 7.63 Cr.
  • Current Price ₹ 0.76
  • High / Low ₹ 1.79 / 0.55
  • Stock P/E 21.2
  • Book Value ₹ 1.50
  • Dividend Yield 0.00 %
  • ROCE 1.64 %
  • ROE 2.55 %
  • Face Value ₹ 1.00
Edit ratios

Pros

  • Stock is trading at 0.51 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 -6.91% over past five years.
  • Promoter holding is low: 34.6%
  • Company has a low return on equity of 3.49% 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.73 0.39 0.58 0.26 0.84 0.50 0.74 0.32 0.57 0.32 0.23 0.87 0.42
Interest 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
0.53 0.26 0.37 0.21 0.53 0.34 0.49 0.24 0.36 0.21 0.28 0.47 0.29
Financing Profit 0.20 0.13 0.21 0.05 0.31 0.16 0.25 0.08 0.21 0.11 -0.05 0.40 0.13
Financing Margin % 27.40% 33.33% 36.21% 19.23% 36.90% 32.00% 33.78% 25.00% 36.84% 34.38% -21.74% 45.98% 30.95%
0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.01 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.22 0.13 0.20 0.05 0.31 0.16 0.25 0.08 0.21 0.11 -0.05 0.40 0.13
Tax % 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%
0.22 0.13 0.20 0.05 0.30 0.16 0.25 0.07 0.21 0.11 -0.05 0.40 0.13
EPS in Rs 0.02 0.01 0.02 0.00 0.03 0.02 0.02 0.01 0.02 0.01 -0.00 0.04 0.01
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
2.34 2.44 2.20 2.33 2.65 2.43 2.16 2.25 2.27 2.07 2.14 1.51
Interest 1.15 1.22 0.99 0.96 1.03 0.90 0.78 0.84 0.84 0.72 0.56 0.00
0.82 0.73 0.74 0.88 1.10 0.99 0.87 0.94 0.81 0.65 0.88 1.03
Financing Profit 0.37 0.49 0.47 0.49 0.52 0.54 0.51 0.47 0.62 0.70 0.70 0.48
Financing Margin % 15.81% 20.08% 21.36% 21.03% 19.62% 22.22% 23.61% 20.89% 27.31% 33.82% 32.71% 31.79%
0.03 0.02 0.03 0.00 0.00 0.15 0.10 0.14 0.07 0.00 0.00 0.00
Depreciation 0.05 0.06 0.05 0.04 0.03 0.02 0.02 0.02 0.01 0.01 0.01 0.01
Profit before tax 0.35 0.45 0.45 0.45 0.49 0.67 0.59 0.59 0.68 0.69 0.69 0.47
Tax % 28.57% 28.89% 26.67% 26.67% 26.53% 28.36% 28.81% 30.51% 27.94% 26.09% 26.09% 25.53%
0.25 0.31 0.33 0.33 0.37 0.48 0.42 0.42 0.49 0.51 0.51 0.36
EPS in Rs 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: -5%
5 Years: -7%
3 Years: -13%
TTM: -29%
Compounded Profit Growth
10 Years: 2%
5 Years: -3%
3 Years: -10%
TTM: -29%
Stock Price CAGR
10 Years: 4%
5 Years: %
3 Years: -37%
1 Year: -46%
Return on Equity
10 Years: 4%
5 Years: 4%
3 Years: 3%
Last Year: 3%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 4.49 4.67 4.67 5.84 10.04 10.04 10.04 10.04 10.04 10.04 10.04 11.65
Reserves 1.94 2.45 1.95 2.60 0.87 1.17 1.42 1.81 2.25 2.71 3.10 3.41
Borrowing 13.23 11.92 13.40 14.53 10.81 11.00 12.13 13.89 13.40 15.19 15.42 13.66
0.64 0.66 0.55 0.69 0.43 0.46 0.69 0.70 1.15 1.49 1.53 1.79
Total Liabilities 20.30 19.70 20.57 23.66 22.15 22.67 24.28 26.44 26.84 29.43 30.09 30.51
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
Investments 0.72 0.68 0.68 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19.40 18.86 19.74 22.87 22.06 22.60 24.20 26.38 26.79 29.39 30.06 30.48
Total Assets 20.30 19.70 20.57 23.66 22.15 22.67 24.28 26.44 26.84 29.43 30.09 30.51

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.80 0.26 -4.55 0.20 0.62 0.61 0.66 0.70 0.99 0.63 0.59 0.63
-2.68 0.15 -0.43 -2.72 0.08 -0.76 -1.51 -2.37 -0.42 -2.46 -0.81 -0.50
0.58 -0.79 5.29 2.63 -1.61 0.05 0.97 1.48 -0.55 2.00 0.10 -0.20
Net Cash Flow -0.30 -0.38 0.31 0.11 -0.91 -0.10 0.12 -0.18 0.02 0.16 -0.12 -0.07
Free Cash Flow 1.68 0.21 -4.58 0.20 0.61 0.61 0.63 0.70 0.99 0.63 0.59 0.63
CFO/OP 124% 18% -305% 21% 48% 53% 64% 67% 81% 57% 61% 156%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 3.94% 4.58% 4.80% 4.38% 3.82% 4.34% 3.71% 3.60% 4.06% 4.07% 3.94% 2.55%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Permanent Employees
Number

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Capital Adequacy Ratio (Total)
%
Total Outstanding Advances
INR Lakhs
Average Yield on Advances
% per annum
Net NPA Ratio
%
New Loans Sanctioned
Number
Asset Financing Ratio
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

3 Recently
Mar 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65% 34.65%
65.36% 65.35% 65.35% 65.35% 65.35% 65.35% 65.35% 65.34% 65.34% 65.34% 65.35% 65.35%
No. of Shareholders 1551891982551,0604,9675,0165,5486,4647,0287,5517,878

Documents

Announcements

Annual reports

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