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Moneyboxx Finance Q1 FY27 Share Price & Earnings Call Analysis

₹46.00-2.13% today
Market cap
₹321 Cr
P/E
245.16
ROE
0.48%
PEG
8.17
Price to sales
1.43
Debt to equity
2.28
52W high / low
₹171 / ₹37.1
Sales growth (5Y)
84.04%
EBITDA margin
42.26%
Net profit margin
0.58%
Promoter holding
46.80%
Sales (last year)
₹225 Cr

Incorporated in 1994, Moneyboxx Finance Ltd provides small-ticket business loans to micro and small enterprises[1]

Guidance scorecard · Q1 FY27 call

What Moneyboxx Finance Ltd's management guided
and where it ranks in Finance

#56of 59 in
Finance
Revenue10–20%MarginsFlatCapexPlannedFundraisingPlannedOrder bookFlat

RevenueQ1 FY27 call

10–20%
  • Targeting meaningful AUM growth in FY27 with increased disbursement momentum.
  • Aim to achieve ~80% secured AUM by March 2027, improving portfolio quality and risk profile.
  • Partnership-led sourcing expected to contribute 20%-30% of monthly business by early 2027, enhancing customer acquisition efficiency.
  • Renewable energy lending (solar) anticipated to reach about 10% of AUM by FY27 end, growing monthly disbursements to INR20 crores.
  • Digital lending initiatives to start soon, expected to drive growth and improved margins.
  • Expect operating leverage to improve as technology investments (e.g., Moneyboxx One LOS) enable scale without proportional cost increases.

2 more points from Moneyboxx Finance Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

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

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Moneyboxx Finance Limited has made significant investments over the last 18 to 24 months in underwriting, customer selection, collections, technology, and portfolio mix, laying a strong foundation for growth.
  • Recently launched proprietary technology platforms like Moneyboxx One loan origination system and Sikka mobile application aiming to improve sourcing, underwriting, fraud detection, field productivity, and collections.
  • The technology infrastructure is designed to support a substantially larger portfolio, helping to achieve higher productivity and operating leverage as AUM scales.
  • Focus on growing partnership-led sourcing and renewable energy lending, which involves collaboration with global institutions, providing access to business opportunities and credit protection.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

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

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Flat
  • The company is focusing on increasing its Assets Under Management (AUM) with growth targets for FY27, aiming to cross INR 1,600 to 1,700 crores AUM.
  • Disbursements are expected to normalize and improve significantly by January (Q4 FY27), driven by partnerships, digital lending, solar, and dairy loans.
  • Partnership sourced business is targeted to grow from 15% in the recent month to 20%-30% by January.

2 more points from Moneyboxx Finance Ltd's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Moneyboxx Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹1.43L Cr83.4
540%+Flat₹23,820 Cr21.1
640%+Flat₹16,498 Cr72.4

Sign up free to see every company in the sector ranking and track Moneyboxx Finance Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Moneyboxx Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Moneyboxx Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue +13.1818.6023.4928.4533.4542.3045.6349.4951.7452.0859.0255.0054.62
Interest5.747.058.5110.1610.6713.4715.0815.6215.8616.7520.6021.0121.09
Expenses +10.7410.7412.5715.9619.2723.4424.5930.0133.7836.8635.6231.3930.80
Financing Profit-3.300.812.412.333.515.395.963.862.10-1.532.802.602.73
Financing Margin %-25.04%4.35%10.26%8.19%10.49%12.74%13.06%7.80%4.06%-2.94%4.74%4.73%5.00%
Other Income +0.010.020.030.050.070.110.070.080.080.060.090.070.10
Depreciation0.450.520.670.710.901.071.551.831.942.392.462.352.40
Profit before tax-3.740.311.771.672.684.434.482.110.24-3.860.430.320.43
Tax %-28.07%-35.48%7.91%18.56%25.00%6.77%4.02%3.79%16.67%36.79%44.19%9.38%20.93%
Net Profit +-2.700.421.641.372.014.124.302.030.20-5.290.240.280.35
EPS in Rs-0.580.080.330.270.340.680.700.310.03-0.810.040.040.05
Gross NPA %
Net NPA %

Financials of Moneyboxx Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue +1211124112350128199221
Interest000000141122436379
Expenses +121112610183771125135
Financing Profit0-00-0-00-3-3-6-814107
Financing Margin %16%-0%33%-2%-13%16%-70%-28%-28%-16%11%5%3%
Other Income +0000000010000
Depreciation00000011123810
Profit before tax0-00-0-00-3-4-7-10113-3
Tax %24%17%31%0%0%-26%4%-23%-43%-32%13%58%
Net Profit +0-00-0-00-4-3-4-791-4
EPS in Rs0.06-0.020.06-0.03-0.070.06-0.88-0.74-0.86-1.371.500.19-0.68
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Financials of Moneyboxx Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital12171717171720202225303333
Reserves222222741351138228229
Borrowing000001174699241452652639
Other Liabilities +00000013614483129
Total Liabilities1519191919204573140331669944930
Fixed Assets +0000012237202930
CWIP0000001223020
Investments000000000211036
Other Assets +1519191919194269135319639913864
Total Assets1519191919204573140331669944930

Financials of Moneyboxx Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-0-300114-32-35-59-124-224-225
Cash from Investing Activity +0-00-00-1-2-1-3-11-21-11
Cash from Financing Activity +04-0-00-0272966185284278
Net Cash Flow-0100214-7-84503941
Free Cash Flow-0-400114-34-36-61-129-228-234
CFO/OP-5%32,900%32%-1,100%-776%4,388%1,578%-6,096%-1,356%-914%-392%-300%

Financials of Moneyboxx Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE %1%-0%1%-1%-1%1%-15%-12%-13%-12%7%1%

Guidance history

How Moneyboxx Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%FlatPlannedPlannedFlat
Q4 FY26 call →40%+Up 0–2%None plannedPlannedRising
Q3 FY26 call →10–20%FlatPlannedPlannedFlat
Q2 FY26 call →20–40%FlatNone plannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What Moneyboxx Finance Ltd's management said in earlier quarters

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