| 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
- ₹51.21
- Market cap
- ₹357.5 Cr
- Revenue (annual)
- ₹231.8 Cr
- Net profit (annual)
- ₹1.34 Cr
- P/E (TTM)
- 274.0×Sector 22.0×
- 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
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- Execution
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