ALFA Finder
The call ran from 11:28 AM to 12:29 PM IST (1 h 2 min).
Key takeaways
Q2 PAT of ₹0.9 Cr (+229% YoY) comes off a tiny base. Disbursements rose 14% QoQ to ₹87 Cr, but AUM sits near ₹800 Cr, and growth depends on H2 disbursements of ₹500-600 Cr.
| Revenue growth | Total income +11% YoY, +17% QoQ; H1 income ₹113 Cr. |
|---|---|
| Margins | NIM 11.9% in H1; lending IRR 24.8% moderating from mix shift. |
| Demand visibility | October disbursements ₹50 Cr; further growth expected, unquantified. |
| Management confidence | Over-optimistic; hedged forecasts, 'very strong growth' without numbers. |
Growth
Total income ₹61 Cr, +11% YoY and +17% QoQ; PPOP +79% YoY. Growth is off a low base and AUM has not yet expanded.
Outlook
Targets AUM of ₹1,100-1,200 Cr by March 2027 and H2 disbursements of ₹500-600 Cr. Opex/AUM below 10% in two years is a medium-term aim.
Risks
NCD borrowing costs up 25-30 bps; opex at 14.3% of AUM in H1; lending yields moderating with the shift to higher-ticket secured loans.
Last quarter's promises, checked
Delivered
- Guided rising disbursements → ₹87 Cr, +14% QoQ from ₹77 Cr (= BEAT)
- Guided digital lending start 'soon' → platform launched with Budget (= BEAT)
Partly delivered
- Guided ~80% secured AUM by Mar-27 → 73%, down from 75% in Jun-26 (= PARTIAL, due Mar-27)
- Guided energy loans ~10% of AUM by FY27 → Solar AUM ₹17 Cr (= PARTIAL, due Mar-27)
Missed
- Guided AUM to grow meaningfully from ₹832 Cr → near ₹800 Cr (= MISS)
- Guided opex flat at ~₹28.6 Cr/qtr with AUM absorbing cost → opex/AUM 14.3% H1 (= MISS)
Summary by ALFA Finder, written with AI assistance from the earnings call transcript the company filed, published . Open it on ALFA Filings ›
The results behind this call
Moneyboxx Finance Q2 FY27 Results: Net Profit ₹0.9 Cr, Up 200.0% YoY
Moneyboxx Finance Ltd reported revenue from operations of ₹61 Cr (+10.9% YoY) and net profit of ₹0.9 Cr (+200.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹0.9 Cr · +200.0% YoY
What management said last time
Full summary →From the call summary published .
Outlook they gave
Targeting ₹1,600-1,700Cr AUM with 80% secured mix by March 2027.
Growth they described
AUM grew 5% YoY (excl. ARC impact) to ₹832Cr; secured loans now 87% of disbursements.
Call details
| Company | Moneyboxx Finance Limited |
|---|---|
| NSE symbol | MONEYBOXX |
| ISIN | INE296Q01012 |
| Call | Q2 FY27 earnings call |
| Date | Wednesday, 11 November 2026 |
| Time | 11:30 AM IST |
| Length | 1 h 2 min |
Moneyboxx Finance Limited: key numbers
- Share price
- ₹43.24
- Market cap
- ₹301.9 Cr
- Revenue (annual)
- ₹231.8 Cr
- Net profit (annual)
- ₹1.34 Cr
- P/E (TTM)
- 156.2×Sector 20.5×
- Promoter holding
- 46.79%+0.00% QoQ
- FII holding
- 0.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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