Moneyboxx Finance Ltd.

•

moneyboxxfinance.comBSE: 538446NSE: MONEYBOXX

Market Cap₹ 412 Cr.

Current Price

High / Low₹ 92 / 44

Stock P/E315.8

Book Value₹ 42

Price to Book3.28

Dividend Yield0.00 %

ROCE8.8 %

ROE0.6 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	8302.50	2457.29	20044.70	3172.82	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110814.49	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MONEYBOXX	59.03	315.77	412.08	0.00	2.07	762.50	520.16	781.33	8.79	45.74

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	0.12	-0.06	-0.15	0.14	-1.77	-1.48	-1.72	-2.73	3.00	0.38
Book Value (₹)	11.35	11.32	11.20	11.36	13.51	12.03	15.96	30.20	54.74	70.27
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.06	-0.02	-0.06	0.10	-0.75	-0.54	-0.64	-1.02	2.05	1.37
PROFITABILITY
Operating Margin %	16.50%	-3.45%	-10.87%	23.49%	-54.74%	5.31%	22.56%	27.03%	44.29%	37.07%
Net Margin %	10.36%	-5.55%	-12.42%	16.57%	-94.56%	-27.13%	-16.47%	-13.50%	7.16%	0.63%
ROE %	1.09%	-0.53%	-1.29%	1.23%	-15.37%	-11.60%	-12.69%	-12.40%	7.55%	0.63%
ROCE %	1.59%	-0.49%	-1.29%	1.10%	-8.37%	-0.41%	4.26%	5.48%	11.62%	8.79%
	1.07%	-0.53%	-1.28%	1.21%	-10.94%	-5.07%	-3.57%	-2.96%	1.85%	0.16%
EFFICIENCY
Debtor Days	0	47	0	0	0	0	0	0	2	2
Inventory Days	135	189	168	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	135	236	168	0	0	0	0	0	2	2
FINANCIAL HEALTH
Debt to Equity (x)	0.00x	0.00x	0.00x	0.00x	0.59x	1.86x	2.65x	3.07x	2.66x	2.77x
Interest Coverage (x)	37.62x	-19.61x	-199.44x	9.17x	-3.20x	-0.06x	0.39x	0.54x	1.25x	1.05x
	110.69x	168.22x	329.34x	145.18x	68.39x	26.32x	10.22x	15.10x	0.53x	0.62x
GROWTH
Revenue Growth %	-15.50%	-8.16%	7.29%	-28.49%	167.63%	192.10%	106.12%	123.15%	153.31%	55.80%
Operating Profit Growth %	714.97%	-119.21%	-237.88%	254.56%	-723.75%	128.33%	775.98%	167.27%	317.14%	30.28%
Net Profit Growth %	367.76%	-149.23%	-140.00%	195.41%	-1626.94%	16.20%	-25.12%	-82.89%	234.35%	-86.34%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	209.81%	-87.24%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	85.06x	603.27x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	4.66x	3.28x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	19.53x	16.51x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	47.72	44.68	44.68	44.66	44.59	44.59	44.59	46.79	46.79
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00
	0.85	1.20	1.20	1.29	1.29	1.24	0.30	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	51.43	54.12	54.12	54.05	54.12	54.17	55.11	53.20	53.21

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05

Copy of Newspaper Publication

2026-09-05 - Moneyboxx Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-01

Press Release

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

Product launch

2026-09-01 - Moneyboxx Finance Limited has informed the Exchange about Product launch

2026-08-18

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-18 - Moneyboxx Finance Limited has informed the Exchange about Transcript

2026-08-13

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-13 - Moneyboxx Finance Limited has informed the Exchange about Link of Recording

2026-08-13

Copy of Newspaper Publication

2026-08-13 - Moneyboxx Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-12

Investor Presentation

2026-08-12 - Moneyboxx Finance Limited has informed the Exchange about Investor Presentation

2026-08-12

Change in Management

2026-08-12 - Moneyboxx Finance Limited has informed the Exchange about change in Management w.r.t re-appointment of Mr. Deepak Aggarwal as the Whole time Director, Co-CEO & CFO

2026-08-12

Outcome of Board Meeting

2026-08-12 - Moneyboxx Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

News

Recent coverage and analyst commentary for MONEYBOXX

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