Any current/future new fundraising through debt or equity?

Moneyboxx Finance has a firm capital raising commitment of INR 75 crore planned for Q3 FY24. The company aims to raise an additional INR 700-800 crore over the next 4.5 years to support AUM growth to around INR 6,485 crore. For every INR 100 crore of equity, the company targets about INR 500 crore of AUM to maintain decent ROA and ROE. The fundraising mix could involve both equity and debt, but no specific mention of immediate new debt issuances was made. The company is focused on improving profitability and scaling efficiently, with fundraises aligned to support such growth. Borrowing costs a

Any current/future capex/capital investment/strategic investment?

Moneyboxx Finance plans to increase its AUM to around INR 5000 crore to INR 6000 crore in the next 3 to 5 years with about 400 branches. The company intends to continue growing at a reasonably good pace with good ROE numbers. They have a firm capital raising commitment of INR 75 crore for Q3 FY24 and may raise another INR 700-800 crore over the next 4.5 years to reach AUM targets (~INR 685 crore currently and planned scale-up). Equity to AUM ratio targeted at about 1:4 (INR 100 crore equity to INR 500 crore AUM) for maintaining decent ROA and ROE. Growth lever also includes shifting fr

Future growth expectations in sales/revenue/volumes?

Moneyboxx Finance aims to grow their AUM to INR 5000-6000 crore over the next 3 to 5 years with around 400 branches. They expect to continue growing at a reasonably good pace while maintaining strong ROE numbers. Focus on increasing secured loans to improve customer longevity (secured customers tend to stay 5 years vs 2 years for unsecured). Repeat customers and increased ticket sizes will drive growth within mature branches. Potential expansion into new loan products like bike loans and home renovation for existing customers. Market opportunity is large: unsecured segment size ~ INR 22 lakh c

Future growth expectations in earnings/operating earnings/profits/EPS?

Moneyboxx Finance expects to grow its AUM to INR 5000-6000 crore over the next 3 to 5 years, supported by around 400 branches. The company aims to continue growing at a reasonably good pace with strong Return on Equity (ROE) numbers. Profitability is expected to improve with secured loans increasing customer longevity and repeat business. Current branches, even with AUMs of INR 11-20 crore, show healthy profitability with ~10% PBT margins, which provides a growth base. The firm plans to leverage existing customers by upselling and expanding product lines (e.g., bike loans, home renovat

Moneyboxx Finance LtdQ2 FY24Finance

Moneyboxx Finance Ltd Q2 FY24 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹46P/E: 245.2Market Cap: ₹321 CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

Yes

Order

Yes

Capex

N/A

2 of 4 growth signals are positive.

Full analysis

Revenue guidance

Category 2

Moneyboxx Finance aims to grow their AUM to INR 5000-6000 crore over the next 3 to 5 years with around 400 branches.
They expect to continue growing at a reasonably good pace while maintaining strong ROE numbers.
Focus on increasing secured loans to improve customer longevity (secured customers tend to stay 5 years vs 2 years for unsecured).
Repeat customers and increased ticket sizes will drive growth within mature branches.
Potential expansion into new loan products like bike loans and home renovation for existing customers.
Market opportunity is large: unsecured segment size ~ INR 22 lakh crore, livestock segment ~ INR 15 lakh crore, and Kirana market is even bigger.
Plans to raise approx. INR 700-800 crore equity over next 4.5 years to support growth.
Growth driven by focus on proprietary underwriting, disciplined sourcing, and strong asset quality management.

Margin guidance

Category 3

Moneyboxx Finance expects to grow its AUM to INR 5000-6000 crore over the next 3 to 5 years, supported by around 400 branches.
The company aims to continue growing at a reasonably good pace with strong Return on Equity (ROE) numbers.
Profitability is expected to improve with secured loans increasing customer longevity and repeat business.
Current branches, even with AUMs of INR 11-20 crore, show healthy profitability with ~10% PBT margins, which provides a growth base.
The firm plans to leverage existing customers by upselling and expanding product lines (e.g., bike loans, home renovation).
Management targets INR 1 lakh crore AUM in two decades, implying long-term substantial growth.
Capital raising plans (INR 75 crore planned, with up to INR 800 crore over 4.5 years) aim to support this growth sustainably.
Asset quality focus remains a priority to maintain steady credit costs (~1.5-2%), underpinning profitable growth.

See what Moneyboxx Finance Ltd management said on margin guidance — free account, 30 seconds.

Fundraise plans

Yes

Moneyboxx Finance has a firm capital raising commitment of INR 75 crore planned for Q3 FY24.
The company aims to raise an additional INR 700-800 crore over the next 4.5 years to support AUM growth to around INR 6,485 crore.
For every INR 100 crore of equity, the company targets about INR 500 crore of AUM to maintain decent ROA and ROE.
The fundraising mix could involve both equity and debt, but no specific mention of immediate new debt issuances was made.
The company is focused on improving profitability and scaling efficiently, with fundraises aligned to support such growth.
Borrowing costs are targeted to stay around 10–13%, with ongoing efforts to lower borrowing rates through lender confidence and scale.

Order book

Yes

The transcript provided from Moneyboxx Finance's Q2 and H1 FY24 Earnings Conference Call does not explicitly mention current or expected orderbook or pending orders. The discussion primarily revolves around: - Asset Under Management (AUM) growth targets: aiming to cross INR 5,000 to 6,000 crore over the next 3-5 years with about 400 branches. - Strong lending business growth with focus on asset quality. - Month-on-month disbursement of INR 50 to 60 crores driven by balance sheet liquidity and co-lending partnerships. - Continuous growth in customer base (currently about 37,000 unique accounts). - No direct reference to orderbook or pending orders as it is a non-banking financial company (NBFC) focused on lending and loan disbursement rather than order-based business. Thus, orderbook or pending orders are not applicable or disclosed in this context.

See what Moneyboxx Finance Ltd management said on order book — free account, 30 seconds.

Capex plans

Moneyboxx Finance plans to increase its AUM to around INR 5000 crore to INR 6000 crore in the next 3 to 5 years with about 400 branches.
The company intends to continue growing at a reasonably good pace with good ROE numbers.
They have a firm capital raising commitment of INR 75 crore for Q3 FY24 and may raise another INR 700-800 crore over the next 4.5 years to reach AUM targets (~INR 685 crore currently and planned scale-up).
Equity to AUM ratio targeted at about 1:4 (INR 100 crore equity to INR 500 crore AUM) for maintaining decent ROA and ROE.
Growth lever also includes shifting from unsecured to secured loans, improving the longevity of customers and increasing branch AUM sizes moderately (branches reaching INR 17-20 crore AUM).
No explicit mention of specific strategic investments or capital expenditure beyond branch expansion and credit growth strategy.

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