ALFA Finder| Management target | Revenue 100.0% FY27 |
|---|
| Revenue growth | Total income ₹52.12Cr; NIMs moderated to 12.3% due to mix shift. |
|---|---|
| Margins | Margins moderated to 12.3% following shift toward secured, lower-yield assets. |
| Demand visibility | Strong demand in micro-MSME and renewable energy lending segments. |
| Management confidence | Balanced; focused on portfolio quality over near-term volume growth. |
Growth
AUM grew 5% YoY (excl. ARC impact) to ₹832Cr; secured loans now 87% of disbursements.
Outlook
Targeting ₹1,600-1,700Cr AUM with 80% secured mix by March 2027.
Risks
High operating expenses (13.3% Opex/AUM) and transition-led moderation in income and NIMs.
Last quarter's promises, checked
Delivered
- Targeted 70% secured disbursements → delivered 69% (~70%) (= BEAT)
- Targeted 14%+ NIM for H1 → delivered 14% (= BEAT)
- Targeted ROA 0.4% for H1 → delivered 0.4% (= BEAT)
Partly delivered
- Targeted ₹175.8Cr equity raise → ₹84.72Cr pending by Mar-26 (= PARTIAL)
- Targeted credit cost ~3% for FY26 → H1 delivered 3.02% (= PARTIAL)
Missed
- Targeted AUM ₹1,600-1,700Cr by Mar-27 → current AUM ₹892Cr (= MISS)
- Targeted Opex/AUM below 10% → delivered 12.7% (= MISS)
- Targeted 25-30% YoY AUM growth → delivered 16% (= MISS)
Earnings Call Transcript filed with BSE, NSE: MONEYBOXX. Summary written with AI assistance from the document.
Moneyboxx Finance Ltd: key numbers
- Share price
- ₹43.06
- Market cap
- ₹300.6 Cr
- Revenue (annual)
- ₹231.8 Cr
- Net profit (annual)
- ₹1.34 Cr
- P/E (TTM)
- 155.6×Sector 20.8×
- 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.
More from Moneyboxx Finance Ltd
All →Moneyboxx Finance Earnings Call Transcript: 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.
Moneyboxx Finance Debt & Borrowing: ₹31 Cr
Moneyboxx Finance fully redeemed Rs 31.00 Crore of NCDs (ISIN INE296Q07068) on 10 November 2026. The redemption was paid ahead of the 11 November due date.
- Value
- ₹31.00 Cr
Moneyboxx Finance Debt & Borrowing: ₹0.32 Cr
Moneyboxx Finance paid Rs 0.32 Crore interest on NCD ISIN INE296Q07068 on 10 November 2026, ahead of the 11 November due date. Payment frequency is unchanged and no delay is reported.
- Value
- ₹0.32 Cr
Moneyboxx Finance Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹0.90 Cr (+229% YoY), NII and fees +16%, pre-provision profit +79%. AUM fell to ₹802 Cr; disbursements rebounding, asset quality improving.
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
Moneyboxx Finance Debt & Borrowing: ₹1.9 Cr
Moneyboxx Finance reported a Rs 1.90 Crore partial redemption of its listed NCDs, paid on 4 November 2026. The filing also shows Rs 1.90 Crore as the outstanding amount.
- Value
- ₹1.90 Cr