Money Masters Leasing & Finance Ltd
Incorporated in 1994, Money Masters Leasing and Finance Ltd is engaged in the business of Hire-purchase finance[1]
- Market Cap ₹ 191 Cr.
- Current Price ₹ 190
- High / Low ₹ 192 / 26.2
- Stock P/E 374
- Book Value ₹ 15.3
- Dividend Yield 0.00 %
- ROCE 2.57 %
- ROE 3.69 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 12.4 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -4.82% over past five years.
- Promoter holding is low: 34.6%
- Company has a low return on equity of 3.78% over last 3 years.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1.42 | 1.89 | 2.34 | 2.44 | 2.20 | 2.33 | 2.65 | 2.43 | 2.16 | 2.25 | 2.27 | 2.07 | |
0.49 | 1.06 | 0.82 | 0.73 | 0.74 | 0.88 | 1.10 | 0.99 | 0.87 | 0.94 | 0.81 | 1.37 | |
Operating Profit | 0.93 | 0.83 | 1.52 | 1.71 | 1.46 | 1.45 | 1.55 | 1.44 | 1.29 | 1.31 | 1.46 | 0.70 |
OPM % | 65.49% | 43.92% | 64.96% | 70.08% | 66.36% | 62.23% | 58.49% | 59.26% | 59.72% | 58.22% | 64.32% | 33.82% |
0.08 | 0.15 | 0.03 | 0.02 | 0.03 | 0.00 | 0.00 | 0.15 | 0.10 | 0.14 | 0.07 | 0.00 | |
Interest | 0.66 | 0.68 | 1.15 | 1.22 | 0.99 | 0.96 | 1.03 | 0.90 | 0.78 | 0.84 | 0.84 | 0.00 |
Depreciation | 0.06 | 0.04 | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
Profit before tax | 0.29 | 0.26 | 0.35 | 0.45 | 0.45 | 0.45 | 0.49 | 0.67 | 0.59 | 0.59 | 0.68 | 0.69 |
Tax % | 41.38% | 61.54% | 28.57% | 28.89% | 26.67% | 26.67% | 26.53% | 28.36% | 28.81% | 30.51% | 27.94% | 26.09% |
0.17 | 0.10 | 0.25 | 0.31 | 0.33 | 0.33 | 0.37 | 0.48 | 0.42 | 0.42 | 0.49 | 0.51 | |
EPS in Rs | 0.44 | 0.18 | 0.45 | 0.53 | 0.57 | 0.57 | 0.37 | 0.48 | 0.42 | 0.42 | 0.49 | 0.51 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 1% |
5 Years: | -5% |
3 Years: | -1% |
TTM: | -9% |
Compounded Profit Growth | |
---|---|
10 Years: | 18% |
5 Years: | 7% |
3 Years: | 7% |
TTM: | 4% |
Stock Price CAGR | |
---|---|
10 Years: | 40% |
5 Years: | 114% |
3 Years: | % |
1 Year: | 471% |
Return on Equity | |
---|---|
10 Years: | 4% |
5 Years: | 4% |
3 Years: | 4% |
Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.16 | 4.49 | 4.49 | 4.67 | 4.67 | 5.84 | 10.04 | 10.04 | 10.04 | 10.04 | 10.04 | 12.65 |
Reserves | 0.71 | 1.76 | 1.94 | 2.45 | 1.95 | 2.60 | 0.87 | 1.17 | 1.42 | 1.81 | 2.25 | 2.71 |
8.97 | 7.43 | 13.23 | 11.92 | 13.40 | 14.53 | 10.81 | 11.00 | 12.13 | 13.89 | 13.40 | 12.58 | |
0.59 | 4.11 | 0.64 | 0.66 | 0.55 | 0.69 | 0.43 | 0.46 | 0.69 | 0.70 | 1.19 | 1.49 | |
Total Liabilities | 13.43 | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.88 | 29.43 |
0.16 | 0.12 | 0.18 | 0.16 | 0.15 | 0.11 | 0.09 | 0.07 | 0.08 | 0.06 | 0.05 | 0.04 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.85 | 0.82 | 0.72 | 0.68 | 0.68 | 0.68 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
12.42 | 16.85 | 19.40 | 18.86 | 19.74 | 22.87 | 22.06 | 22.60 | 24.20 | 26.38 | 26.83 | 29.39 | |
Total Assets | 13.43 | 17.79 | 20.30 | 19.70 | 20.57 | 23.66 | 22.15 | 22.67 | 24.28 | 26.44 | 26.88 | 29.43 |
Cash Flows
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.60 | 0.27 | 1.80 | 0.26 | -4.55 | 0.20 | 0.62 | 0.61 | 0.66 | 0.70 | 1.18 | 0.63 | |
0.83 | -3.25 | -2.68 | 0.15 | -0.43 | -2.72 | 0.08 | -0.76 | -1.51 | -2.37 | -0.42 | -2.46 | |
-1.81 | 4.10 | 0.58 | -0.79 | 5.29 | 2.63 | -1.61 | 0.05 | 0.97 | 1.48 | -0.55 | 2.00 | |
Net Cash Flow | -0.38 | 1.12 | -0.30 | -0.38 | 0.31 | 0.11 | -0.91 | -0.10 | 0.12 | -0.18 | 0.21 | 0.16 |
Ratios
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 33.42 | -654.68 | -739.36 | -677.64 | 76.32 | 98.69 | 34.43 | 6.01 | -21.97 | -19.47 | -80.40 | -146.35 |
ROCE % | 7.66% | 7.09% | 9.00% | 8.63% | 7.37% | 6.56% | 6.80% | 7.15% | 5.98% | 5.80% | 5.91% | 2.57% |
Documents
Announcements
- Closure of Trading Window 12 Jul
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
12 Jul - Under Reg. 74(5) of SEBI (Depository Participants) Regulation 2018 for the quarter ended 30th June, 2024
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
29 Jun - Of Securities Exchange Board of India (Listing Obligation and Disclosure Requirement) Regulation 2015, please find enclosed herewith copies of newspapers Advertisement.
- Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 28 Jun
- Corporate Action-Outcome of Sub division / Stock Split 25 Jun
Business Overview:[1]
Company is a deposit-taking Non-Banking Financial Company classified as an NBFC-Asset Finance Companies with the RBI. It is engaged in lending and acceptance of deposits. Company has a diversified lending portfolio across retail, SMEs and commercial customers with significant presence in urban and rural India. It accepts public and corporate deposits and offers variety of financial services products to its customers