Money Masters Leasing & Finance Ltd
Incorporated in 1994, Money Masters Leasing and Finance Ltd is engaged in the business of Hire-purchase finance[1]
- Market Cap ₹ 189 Cr.
- Current Price ₹ 188
- High / Low ₹ 189 / 23.8
- Stock P/E 385
- Book Value ₹ 12.2
- Dividend Yield 0.00 %
- ROCE 5.91 %
- ROE 4.06 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 15.4 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -0.52% over past five years.
- Promoter holding is low: 34.6%
- Company has a low return on equity of 3.79% 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
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1.29 | 1.42 | 1.89 | 2.34 | 2.44 | 2.20 | 2.33 | 2.65 | 2.43 | 2.16 | 2.25 | 2.27 | |
0.45 | 0.49 | 1.06 | 0.82 | 0.73 | 0.74 | 0.88 | 1.10 | 0.99 | 0.87 | 0.94 | 0.81 | |
Operating Profit | 0.84 | 0.93 | 0.83 | 1.52 | 1.71 | 1.46 | 1.45 | 1.55 | 1.44 | 1.29 | 1.31 | 1.46 |
OPM % | 65.12% | 65.49% | 43.92% | 64.96% | 70.08% | 66.36% | 62.23% | 58.49% | 59.26% | 59.72% | 58.22% | 64.32% |
0.01 | 0.08 | 0.15 | 0.03 | 0.02 | 0.03 | 0.00 | 0.00 | 0.15 | 0.10 | 0.14 | 0.07 | |
Interest | 0.63 | 0.66 | 0.68 | 1.15 | 1.22 | 0.99 | 0.96 | 1.03 | 0.90 | 0.78 | 0.84 | 0.84 |
Depreciation | 0.04 | 0.06 | 0.04 | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 |
Profit before tax | 0.18 | 0.29 | 0.26 | 0.35 | 0.45 | 0.45 | 0.45 | 0.49 | 0.67 | 0.59 | 0.59 | 0.68 |
Tax % | 38.89% | 41.38% | 61.54% | 28.57% | 28.89% | 26.67% | 26.67% | 26.53% | 28.36% | 28.81% | 30.51% | 27.94% |
0.11 | 0.17 | 0.10 | 0.25 | 0.31 | 0.33 | 0.33 | 0.37 | 0.48 | 0.42 | 0.42 | 0.49 | |
EPS in Rs | 0.28 | 0.44 | 0.18 | 0.45 | 0.53 | 0.57 | 0.57 | 0.37 | 0.48 | 0.42 | 0.42 | 0.49 |
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: | -1% |
3 Years: | -2% |
TTM: | 1% |
Compounded Profit Growth | |
---|---|
10 Years: | 11% |
5 Years: | 8% |
3 Years: | 1% |
TTM: | 17% |
Stock Price CAGR | |
---|---|
10 Years: | 36% |
5 Years: | 105% |
3 Years: | % |
1 Year: | 650% |
Return on Equity | |
---|---|
10 Years: | 4% |
5 Years: | 4% |
3 Years: | 4% |
Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.16 | 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 | 0.92 | 0.71 | 1.76 | 1.94 | 2.45 | 1.95 | 2.60 | 0.87 | 1.17 | 1.42 | 1.81 | 2.25 | 2.56 |
Preference Capital | 2.04 | 2.84 | 2.37 | 3.00 | 3.49 | 4.41 | 5.03 | 1.94 | 1.82 | 1.82 | 1.81 | 1.81 | |
5.84 | 6.13 | 5.06 | 10.23 | 8.43 | 8.99 | 9.50 | 8.87 | 9.18 | 10.31 | 12.08 | 11.59 | 11.86 | |
2.90 | 3.43 | 6.48 | 3.64 | 4.15 | 4.96 | 5.72 | 2.37 | 2.28 | 2.51 | 2.51 | 3.00 | 1.52 | |
Total Liabilities | 12.82 | 13.43 | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.88 | 28.59 |
0.15 | 0.16 | 0.12 | 0.18 | 0.16 | 0.15 | 0.11 | 0.09 | 0.07 | 0.08 | 0.06 | 0.05 | 0.05 | |
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 | 1.75 | 0.85 | 0.82 | 0.72 | 0.68 | 0.68 | 0.68 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
10.92 | 12.42 | 16.85 | 19.40 | 18.86 | 19.74 | 22.87 | 22.06 | 22.60 | 24.20 | 26.38 | 26.83 | 28.54 | |
Total Assets | 12.82 | 13.43 | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.88 | 28.59 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.16 | 0.60 | 0.27 | 1.80 | 0.26 | -4.55 | 0.20 | 0.62 | 0.61 | 0.66 | 0.70 | 1.18 | |
-0.21 | 0.83 | -3.25 | -2.68 | 0.15 | -0.43 | -2.72 | 0.08 | -0.76 | -1.51 | -2.37 | -0.42 | |
0.33 | -1.81 | 4.10 | 0.58 | -0.79 | 5.29 | 2.63 | -1.61 | 0.05 | 0.97 | 1.48 | -0.55 | |
Net Cash Flow | 0.28 | -0.38 | 1.12 | -0.30 | -0.38 | 0.31 | 0.11 | -0.91 | -0.10 | 0.12 | -0.18 | 0.21 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 911.09 | 33.42 | -654.68 | -739.36 | -677.64 | 76.32 | 98.69 | 34.43 | 6.01 | -21.97 | -19.47 | -80.40 |
ROCE % | 7.32% | 7.66% | 7.09% | 9.00% | 8.63% | 7.37% | 6.56% | 6.80% | 7.15% | 5.98% | 5.80% | 5.91% |
Documents
Announcements
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 25 Apr
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
23 Apr - Of Securities Exchange Board of India (Listing Obligations and Disclosure Requirement) 2015, please find enclosed copies of Newspapers Advertisement.
- Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 22 Apr
- Certificate Under Regulation 40(9) Of The SEBI (LODR) Regulations 2015 12 Apr
- Compliance Certificate Under Regulation 7 (3) Of SEBI (LODR) Regulations, 2015 12 Apr
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