Moneyboxx Finance Ltd

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Moneyboxx Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Moneyboxx Finance Ltd

₹ 40.9 9.99%
11 Sep - close price
moneyboxxfinance.com BSE: 538446 NSE: MONEYBOXX
About

Incorporated in 1994, Moneyboxx Finance
Ltd provides small-ticket business loans
to micro and small enterprises[1]

Key Points

Business Overview:[1][2]
MBFL is a part of Moneyboxx Capital Private Limited which holds a 47.83% stake in it. Company is a Non-Systemically Important Non-Deposit Taking Non-Banking Financial Company which is in the business of providing small-ticket business loans to micro and small enterprises, in the range of Rs. 1-10 Lac, focusing on rural India. Company operates in 8 states with 100 branches, with an AUM of Rs. 730 crore as on March 2024

Website BSE NSE
  • Market Cap ₹ 285 Cr.
  • Current Price ₹ 40.9
  • High / Low ₹ 99.5 / 35.5
  • Stock P/E 218
  • Book Value ₹ 42.4
  • Dividend Yield 0.00 %
  • ROCE 9.05 %
  • ROE 0.48 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.96 times its book value
  • Company's median sales growth is 80.8% of last 10 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 1.90% over last 3 years.
  • Promoter holding has decreased over last 3 years: -7.24%
  • Working capital days have increased from 22.8 days to 77.1 days

* 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)

Part of BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
23.49 28.45 33.45 42.30 45.63 49.49 51.74 52.08 59.02 55.00 54.62 63.13 52.02
Interest 8.51 10.16 10.67 13.47 15.08 15.62 15.86 16.75 20.60 21.01 21.09 20.89 21.10
12.57 15.96 19.27 23.44 24.59 30.01 33.78 36.86 35.62 31.39 30.80 39.36 28.23
Financing Profit 2.41 2.33 3.51 5.39 5.96 3.86 2.10 -1.53 2.80 2.60 2.73 2.88 2.69
Financing Margin % 10.26% 8.19% 10.49% 12.74% 13.06% 7.80% 4.06% -2.94% 4.74% 4.73% 5.00% 4.56% 5.17%
0.03 0.05 0.07 0.11 0.07 0.08 0.08 0.06 0.09 0.07 0.10 0.10 0.10
Depreciation 0.67 0.71 0.90 1.07 1.55 1.83 1.94 2.39 2.46 2.35 2.40 2.51 2.55
Profit before tax 1.77 1.67 2.68 4.43 4.48 2.11 0.24 -3.86 0.43 0.32 0.43 0.47 0.24
Tax % 7.91% 18.56% 25.00% 6.77% 4.02% 3.79% 16.67% 36.79% 44.19% 9.38% 20.93% 0.00% 16.67%
1.64 1.37 2.01 4.12 4.30 2.03 0.20 -5.29 0.24 0.28 0.35 0.47 0.21
EPS in Rs 0.33 0.27 0.34 0.68 0.70 0.31 0.03 -0.81 0.04 0.04 0.05 0.07 0.03
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 TTM
2 1 1 1 2 4 11 23 50 128 199 232 225
Interest 0 0 0 0 0 1 4 11 22 43 63 84 84
2 1 1 1 2 6 10 18 37 71 125 137 130
Financing Profit -0 0 -0 -0 0 -3 -3 -6 -8 14 10 11 11
Financing Margin % -0% 33% -2% -13% 16% -70% -28% -28% -16% 11% 5% 5% 5%
0 0 0 0 0 0 0 1 0 0 0 0 0
Depreciation 0 0 0 0 0 1 1 1 2 3 8 10 10
Profit before tax -0 0 -0 -0 0 -3 -4 -7 -10 11 3 2 1
Tax % 17% 31% 0% 0% -26% 4% -23% -43% -32% 13% 58% 19%
-0 0 -0 -0 0 -4 -3 -4 -7 9 1 1 1
EPS in Rs -0.02 0.06 -0.03 -0.07 0.06 -0.88 -0.74 -0.86 -1.37 1.50 0.19 0.19 0.19
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 71%
5 Years: 84%
3 Years: 66%
TTM: 6%
Compounded Profit Growth
10 Years: 20%
5 Years: 20%
3 Years: 30%
TTM: 146%
Stock Price CAGR
10 Years: 21%
5 Years: 0%
3 Years: -21%
1 Year: -42%
Return on Equity
10 Years: -1%
5 Years: 0%
3 Years: 2%
Last Year: 0%

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 17 17 17 17 17 20 20 22 25 30 33 70
Reserves 2 2 2 2 2 7 4 13 51 138 228 226
Borrowing 0 0 0 0 1 17 46 99 241 452 652 675
0 0 0 0 0 1 3 6 14 48 31 24
Total Liabilities 19 19 19 19 20 45 73 140 331 669 944 995
0 0 0 0 1 2 2 3 7 20 29 39
CWIP 0 0 0 0 0 1 2 2 3 0 2 0
Investments 0 0 0 0 0 0 0 0 2 11 0 40
19 19 19 19 19 42 69 135 319 639 913 916
Total Assets 19 19 19 19 20 45 73 140 331 669 944 995

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
-3 0 0 1 14 -32 -35 -59 -124 -224 -225 -32
-0 0 -0 0 -1 -2 -1 -3 -11 -21 -11 -80
4 -0 -0 0 -0 27 29 66 185 284 278 64
Net Cash Flow 1 0 0 2 14 -7 -8 4 50 39 41 -49
Free Cash Flow -4 0 0 1 14 -34 -36 -61 -129 -228 -234 -50
CFO/OP 32,900% 32% -1,100% -776% 4,388% 1,578% -6,096% -1,356% -914% -392% -300% -33%

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 % -0% 1% -1% -1% 1% -15% -12% -13% -12% 7% 1% 0%

Insights

In beta
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Number of Branches
count

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Number of States of Presence
count
Assets Under Management (AUM)
INR Crore
Live Accounts (Active Customers)
count
Number of Employees
count
Secured AUM Share
%
Quarterly Disbursements
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
55.11% 46.86% 47.83% 47.72% 44.69% 44.69% 44.66% 44.59% 44.59% 44.59% 46.80% 46.80%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00%
0.00% 0.83% 0.85% 0.85% 1.20% 1.20% 1.29% 1.29% 1.24% 0.30% 0.00% 0.00%
44.89% 52.31% 51.32% 51.43% 54.11% 54.12% 54.05% 54.12% 54.17% 55.11% 53.20% 53.21%
No. of Shareholders 1,4912,1522,3802,8114,2774,1614,1064,0544,0384,9724,6774,500

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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