Moneyboxx Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 29.2%
- Company has delivered good sales growth of 121.3% CAGR over last 5 years
- Operating margins have improved to 37.1% from 22.6%
CONS
- Asset quality is weak - gross NPA at 6.6%
- Net NPA is elevated at 3.4% - provisioning cushion is thin
- Company has a low return on equity of -1.4% over last 3 years
- Company has a low return on capital employed of 8.6%
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| MONEYBOXX | 40.88 | 218.68 | 285.38 | 0.00 | 2.07 | 762.50 | 520.16 | 781.33 | 8.79 | 45.74 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| 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 | 28 | 33 | 42 | 46 | 49 | 52 | 52 | 59 | 55 | 55 | 63 | 520 | |
| 13 | 16 | 19 | 23 | 25 | 30 | 34 | 37 | 36 | 31 | 31 | 39 | 519 | |
| Operating Profit | 11 | 12 | 14 | 19 | 21 | 19 | 18 | 15 | 23 | 24 | 24 | 24 | 238 |
| OPM % | 46.49% | 43.90% | 42.39% | 44.61% | 46.11% | 39.36% | 34.71% | 29.22% | 39.65% | 42.91% | 43.63% | 37.65% | 45.74% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Interest | 9 | 10 | 11 | 13 | 15 | 16 | 16 | 17 | 21 | 21 | 21 | 21 | 211 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 26 |
| 2 | 2 | 3 | 4 | 4 | 2 | 0 | -4 | 0 | 0 | 0 | 0 | 2 | |
| Tax % | 7.91% | 17.96% | 25.28% | 6.77% | 4.02% | 3.79% | 16.67% | -36.69% | 44.19% | 9.68% | 20.45% | 0.00% | 14.40% |
| Net Profit | 2 | 1 | 2 | 4 | 4 | 2 | 0 | -5 | 0 | 0 | 0 | 0 | 2 |
| 1 | 1 | 1 | 1 | 1 | 1 | 0 | -1 | 0 | 0 | 0 | 0 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 2 | 2 | 1 | 4 | 11 | 23 | 50 | 128 | 199 | 693 | |
| 2 | 2 | 2 | 2 | 6 | 10 | 18 | 37 | 71 | 125 | 620 | |
| Operating Profit | 0 | -0 | -0 | -0 | -2 | 1 | 4 | 14 | 57 | 74 | 73 |
| OPM % | 15.99% | -3.73% | -13.91% | -18.96% | -64.61% | 4.98% | 19.40% | 26.97% | 44.29% | 37.07% | 10.48% |
| 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | |
| Interest | 0 | 0 | 0 | 0 | 1 | 4 | 11 | 22 | 43 | 63 | 274 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 3 | 8 | 33 |
| Profit before Tax | 0 | -0 | -0 | 0 | -3 | -4 | -7 | -10 | 11 | 3 | 4 |
| Tax % | 29.87% | -3.84% | 0.06% | -25.67% | -4.05% | 23.47% | 42.97% | 31.57% | 13.43% | 57.77% | 12.88% |
| Net Profit | 0 | -0 | -0 | 0 | -4 | -3 | -4 | -7 | 9 | 1 | 3 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1.48 | -1.81 | -2.94 | 3.00 | 0.38 | — |
| Dividend Payout % | 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:
- 56%
- 5 Years:
- 121%
- 3 Years:
- 107%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- -4%
- 5 Years:
- -6%
- 3 Years:
- -1%
- Last Year:
- 1%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 17 | 17 | 17 | 17 | 20 | 20 | 22 | 25 | 30 | 33 |
| 2 | 2 | 2 | 2 | 7 | 4 | 13 | 50 | 136 | 197 | |
| 0 | 0 | 0 | 1 | 17 | 46 | 93 | 234 | 448 | 648 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 3 |
| 0 | 0 | 0 | 0 | 1 | 2 | 9 | 14 | 47 | 60 | |
| Total Liabilities | 19 | 19 | 19 | 20 | 45 | 72 | 136 | 324 | 664 | 940 |
| 0 | 0 | 0 | 1 | 2 | 2 | 3 | 7 | 20 | 29 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 11 | 0 | |
| 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | |
| Cash & Bank | 1 | 1 | 3 | 17 | 10 | 2 | 8 | 64 | 111 | 167 |
| 17 | 17 | 15 | 2 | 32 | 66 | 123 | 252 | 521 | 743 | |
| Total Assets | 19 | 19 | 19 | 20 | 45 | 72 | 136 | 324 | 664 | 940 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 1 | 14 | -32 | -35 | -59 | -103 | -286 | -325 | |
| Cash from Investing | 0 | -0 | 0 | -1 | -2 | -1 | -3 | -11 | -21 | -11 |
| Cash from Financing | -0 | -0 | 0 | -0 | 27 | 29 | 66 | 185 | 284 | 278 |
| 0 | 0 | 2 | 14 | -7 | -8 | 4 | 50 | 39 | 41 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - Significant movement in price has been observed in Moneyboxx Finance Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, has written to the company. The response from the company is awaited.
2026-09-11 - Moneyboxx Finance Limited has informed the Exchange regarding 'Investor Deck'.
2026-09-07 - Moneyboxx Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-06 - Moneyboxx Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 29, 2026
2026-09-05 - Moneyboxx Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-01 - Moneyboxx Finance Limited has informed the Exchange regarding a press release dated September 01, 2026, titled "Moneyboxx Finance Partners with Bachatt to Launch Digital Lending Platform, Marking the Beginning of its Digital Lending Journey".
2026-09-01 - Moneyboxx Finance Limited has informed the Exchange about Product launch
2026-08-18 - Moneyboxx Finance Limited has informed the Exchange about Transcript
2026-08-13 - Moneyboxx Finance Limited has informed the Exchange about Link of Recording
News
Recent coverage and analyst commentary for MONEYBOXX
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Moneyboxx Finance Ltd.
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