Moneyboxx Finance Ltd

Q4 FY25Finance

Moneyboxx Finance Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹55

Market cap₹432 Cr

P/E322.1

Updated23 Aug 2026

Read4 min read

The short version

The company targets over 50% growth in Assets Under Management (AUM) for the current year (FY26). FY26 is expected to be a year of recovery with improvement in credit costs and profitability after a challenging FY25 marked by high credit costs and sluggish AUM growth.

From Moneyboxx Finance Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

The company targets over 50% growth in Assets Under Management (AUM) for the current year (FY26).
Plans to increase AUM significantly will lead to higher revenues through increased disbursements, especially in secured lending segments.
Continuing geographic expansion with plans to grow branch network from 163 (March 2025) to 175+ by March 2026, enabling deeper market penetration.
Focus on scaling secured lending portfolio, aiming to raise it from 45% of AUM in FY25 to around 65% by next year and 75-80% by FY27.
Enhancement in collection infrastructure and rise in collection efficiency expected to stabilize asset quality, supporting healthy revenue realization.

2 more points management made on revenue & sales performance

Profitability & Margins

FY26 is expected to be a year of recovery with improvement in credit costs and profitability after a challenging FY25 marked by high credit costs and sluggish AUM growth.
ROE and ROA are currently low (0.6% and 0.2% in FY25); management aims to revive these ratios gradually by improving collections and credit quality.
Collection efficiency has improved significantly in FY25 due to enhanced collection infrastructure (telecallers, state-level teams), with stabilization expected by Q1 FY26.
AUM growth of over 50% is targeted in FY26, which will help optimize operating expenses (opex) and improve margins.
Opex is expected to decline to 11%-12% of AUM in FY26, benefiting from scale and operational efficiency.

2 more points management made on profitability & margins

See what Moneyboxx Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The company expanded its branch network significantly, from 100 branches in March 2024 to 163 branches as of March 2025, with plans to further increase to 175+ branches by March 2026, indicating ongoing capital investment in branch expansion.
Expansion into four new states in South India during Q2 FY25 also reflects strategic geographic investment.
Investment in technology is evident through the development of a unique AI app for cattle identification, signaling strategic tech-driven capex.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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4₹1.5L Cr

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5₹40.6K Cr

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

Moneyboxx Finance Limited raised INR185 crores through NCDs in FY25, with INR165 crores raised between February 23 and March 23, 2025 — the highest ever in a single quarter.
The company successfully raised INR270 crores equity up to March 2025.
Net worth grew by 54% to INR261 crores by March 2025, with an additional INR85 crores pending from the issue of share warrants, indicating upcoming equity infusion.

2 more points management made on fundraising & capital structure

See what Moneyboxx Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript does not explicitly mention current or expected orderbook or pending orders for Moneyboxx Finance Limited. However, some relevant points related to business growth and lending pipeline are: - The company has visibility of INR 500 crores per annum through lending collaboration, including business correspondence and co-lending models. - They have a lender base of 33, including 12 leading banks, providing diversified funding sources. - Targeting over 50% growth in Assets Under Management (AUM) for the current year. - Expansion plans to grow branch network from 163 branches to 175+ by March 2026 to deepen penetration.

2 more points management made on order book & pipeline

What Moneyboxx Fin.'s management said in earlier quarters

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Frequently Asked Questions

What were Moneyboxx Finance Ltd Q4 FY25 results?

What is Moneyboxx Finance Ltd share price analysis?

Moneyboxx Finance Ltd currently shows a neutral. The stock trades at a P/E of 322.1 with a market cap of ₹432 Cr. Investors should review the full earnings analysis for detailed insights.

Is Moneyboxx Finance Ltd planning capital expenditure?

The company expanded its branch network significantly, from 100 branches in March 2024 to 163 branches as of March 2025, with plans to further increase to 175+ branches by March 2026, indicating ongoing capital investment in branch expansion.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.