Any current/future new fundraising through debt or equity?

Warrant conversion: INR 80 crore expected to come in between December 2025 and February 2026, providing adequate comfort for FY 2026 AUM. Equity raise: Discussions ongoing for a larger equity fundraising round within the next 12 months, though not expected in the next 2-3 quarters. Debt funding: Continued strong support from lenders with a diversified liability mix; 43% of funds from debt capital markets, 28% each from Banks and NBFCs. Incremental borrowing cost: Currently averaging 12.1%, with some borrowings as low as 10.5%, expected to decline over time with scale and rating improveme

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

No specific mention of current or future capex or capital investment was detailed in the call. Focus is on optimizing the existing branch network; no plans for branch expansion at present. Growth strategy centers on leveraging existing branches to increase loan disbursement and operating leverage. Emphasis on improving collection efficiency and asset quality rather than physical expansion. Plans include raising equity through warrant conversion between December and February. Potential for larger equity funding round within next 12 months to support growth. Investment primarily directed towards

Future growth expectations in sales/revenue/volumes?

Targeting 25% to 30% year-on-year AUM growth in the coming year, reflecting portfolio expansion focus. Disbursement growth plans include doubling monthly disbursements to INR 100 crore before considering branch expansion (planned in next year). Improved conversion ratios in new business sourcing: log-in to disbursement ratio improved from 15-20% in September to 40% in October, aiming for 50% next month. Focused on growing secured lending comprising 70%+ of AUM, expected to provide stable and stickier portfolio with higher average ticket sizes (INR 7-25 lakhs). Growth strategy balanced

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

Targeting 25% to 30% year-on-year AUM growth in the coming year, supporting higher revenue potential. Operating expenses (OPEX) expected to decline below 10% of AUM over the next 2 years due to operating leverage and cost efficiencies. Credit costs projected to reduce to around 3% to 3.5% in FY '26, improving profitability. Return on equity (ROE) and return on assets (ROA) expected to improve significantly in H2 FY '26 as credit costs stabilize and AUM grows. Incremental borrowing costs reducing, with expectations to move into single-digit cost of funds, aiding net interest margins. Planned eq

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Moneyboxx Finance LtdQ3 FY25Finance

Moneyboxx Finance Ltd Q3 FY25 Earnings Call Analysis

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

Price: ₹68Market Cap: ₹522 CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

Yes

Order

Yes

Capex

2 of 5 growth signals are positive.

Full analysis

Revenue guidance

Category 2

→Targeting 25% to 30% year-on-year AUM growth in the coming year, reflecting portfolio expansion focus.
→Disbursement growth plans include doubling monthly disbursements to INR 100 crore before considering branch expansion (planned in next year).
→Improved conversion ratios in new business sourcing: log-in to disbursement ratio improved from 15-20% in September to 40% in October, aiming for 50% next month.
→Focused on growing secured lending comprising 70%+ of AUM, expected to provide stable and stickier portfolio with higher average ticket sizes (INR 7-25 lakhs).
→Growth strategy balanced with asset quality focus and existing branch network’s operating leverage optimization.
→Warrants conversion expected between December and February 2026 will support equity raise and growth funding.
→Internal target to reach INR 1,800+ crore AUM by March 2027 reinforces growth aspirations.

Margin guidance

Category 3

→Targeting 25% to 30% year-on-year AUM growth in the coming year, supporting higher revenue potential.
→Operating expenses (OPEX) expected to decline below 10% of AUM over the next 2 years due to operating leverage and cost efficiencies.
→Credit costs projected to reduce to around 3% to 3.5% in FY '26, improving profitability.
→Return on equity (ROE) and return on assets (ROA) expected to improve significantly in H2 FY '26 as credit costs stabilize and AUM grows.
→Incremental borrowing costs reducing, with expectations to move into single-digit cost of funds, aiding net interest margins.
→Planned equity capital raise via warrant conversion and larger rounds within 12 months to support growth and capital adequacy.
→No specific EPS guidance was provided, but profitability is anticipated to improve with better asset quality and operational efficiencies.

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Fundraise plans

Yes

→Warrant conversion: INR 80 crore expected to come in between December 2025 and February 2026, providing adequate comfort for FY 2026 AUM.
→Equity raise: Discussions ongoing for a larger equity fundraising round within the next 12 months, though not expected in the next 2-3 quarters.
→Debt funding: Continued strong support from lenders with a diversified liability mix; 43% of funds from debt capital markets, 28% each from Banks and NBFCs.
→Incremental borrowing cost: Currently averaging 12.1%, with some borrowings as low as 10.5%, expected to decline over time with scale and rating improvements.
→Strategic plan includes raising additional funds progressively to support targeted AUM growth and maintain liquidity buffers.

Order book

Yes

The transcript does not explicitly mention current or expected orderbook or pending orders in a traditional sense since Moneyboxx Finance Limited operates primarily as a financial services provider. However, key related business outlook points include: - Promoters are expected to convert pending warrants to equity between December and February, potentially raising INR 80 crore. - The company targets AUM (Assets Under Management) growth of 25%-30% year-on-year, aiming for INR 1,800 crore+ by March 2027. - Disbursement trends are improving with the focus on secured loans and increased conversion ratios (currently 40%, aiming for 50%). - Collection efficiency is improving with stronger legal recovery initiatives. - The company continues to focus on portfolio quality and operational leverage with no immediate plans for branch expansion. No traditional "orderbook" data or pending orders are provided.

Capex plans

→No specific mention of current or future capex or capital investment was detailed in the call.
→Focus is on optimizing the existing branch network; no plans for branch expansion at present.
→Growth strategy centers on leveraging existing branches to increase loan disbursement and operating leverage.
→Emphasis on improving collection efficiency and asset quality rather than physical expansion.
→Plans include raising equity through warrant conversion between December and February.
→Potential for larger equity funding round within next 12 months to support growth.
→Investment primarily directed towards technology innovations like the proprietary Cattle AI solution to strengthen risk controls and improve lending efficiency.

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