Moneyboxx Finance Ltd

Moneyboxx Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Moneyboxx Finance Ltd

₹ 332 5.08%
24 Jul - close price
moneyboxxfinance.com BSE: 538446
About

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

Key Points

Business Overview:[1][2]
MBFL is a part of Moneyboxx Capital Private Limited which holds a 47.83% stake in it. Company is a Non-Systemically Important Non-Deposit Taking Non-Banking Financial Company which is in the business of providing small-ticket business loans to micro and small enterprises, in the range of Rs. 1-10 Lac, focusing on rural India. Company operates in 8 states with 100 branches, with an AUM of Rs. 730 crore as on March 2024

Website BSE
  • Market Cap ₹ 1,015 Cr.
  • Current Price ₹ 332
  • High / Low ₹ 373 / 142
  • Stock P/E 111
  • Book Value ₹ 55.4
  • Dividend Yield 0.00 %
  • ROCE 11.5 %
  • ROE 7.46 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 109% CAGR over last 5 years
  • Company's median sales growth is 66.2% of last 10 years

Cons

  • Stock is trading at 6.00 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -0.67% over last 3 years.
  • Promoter holding has decreased over last 3 years: -21.0%
  • Working capital days have increased from 427 days to 1,375 days

* 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

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Quarterly Results

Figures in Rs. Crores

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
3.84 4.25 4.64 6.15 7.61 8.47 10.15 13.18 18.60 23.49 28.45 33.45 42.30
3.50 3.32 5.13 4.57 5.34 6.18 9.31 10.74 10.74 12.57 15.96 19.27 23.44
Operating Profit 0.34 0.93 -0.49 1.58 2.27 2.29 0.84 2.44 7.86 10.92 12.49 14.18 18.86
OPM % 8.85% 21.88% -10.56% 25.69% 29.83% 27.04% 8.28% 18.51% 42.26% 46.49% 43.90% 42.39% 44.59%
0.01 0.00 0.70 0.00 0.01 0.00 0.00 0.01 0.02 0.03 0.05 0.07 0.11
Interest 1.52 1.80 2.14 3.07 3.58 4.03 4.85 5.74 7.05 8.51 10.16 10.67 13.47
Depreciation 0.22 0.22 0.23 0.24 0.25 0.34 0.42 0.45 0.52 0.67 0.71 0.90 1.07
Profit before tax -1.39 -1.09 -2.16 -1.73 -1.55 -2.08 -4.43 -3.74 0.31 1.77 1.67 2.68 4.43
Tax % -63.31% -0.92% -37.96% -49.13% -72.90% -23.08% -33.86% -28.07% -35.48% 7.91% 18.56% 25.00% 6.77%
-0.51 -1.08 -1.34 -0.88 -0.42 -1.60 -2.92 -2.70 0.42 1.64 1.37 2.01 4.12
EPS in Rs -0.25 -0.54 -0.67 -0.41 -0.19 -0.68 -1.25 -1.15 0.17 0.66 0.54 0.67 1.35
Raw PDF

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 1 2 1 1 1 2 4 11 23 50 128
1 1 2 1 1 1 2 6 10 18 37 71
Operating Profit 0 0 -0 0 -0 -0 0 -2 1 4 14 56
OPM % 14% 16% -0% 34% -2% -13% 17% -50% 5% 19% 27% 44%
0 0 0 0 0 0 0 0 0 1 0 0
Interest 0 0 0 0 0 0 0 1 4 11 22 43
Depreciation 0 0 0 0 0 0 0 1 1 1 2 3
Profit before tax 0 0 -0 0 -0 -0 0 -3 -4 -7 -10 11
Tax % 47% 24% 17% 31% 0% 0% -26% 4% -23% -43% -32% 13%
0 0 -0 0 -0 -0 0 -4 -3 -4 -7 9
EPS in Rs 0.45 0.12 -0.04 0.11 -0.05 -0.13 0.12 -1.77 -1.48 -1.72 -2.73 3.00
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 58%
5 Years: 130%
3 Years: 127%
TTM: 153%
Compounded Profit Growth
10 Years: 50%
5 Years: 109%
3 Years: 72%
TTM: 234%
Stock Price CAGR
10 Years: 46%
5 Years: 80%
3 Years: 70%
1 Year: 111%
Return on Equity
10 Years: -2%
5 Years: -3%
3 Years: -1%
Last Year: 7%

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 2 12 17 17 17 17 17 20 20 22 25 30
Reserves 13 2 2 2 2 2 2 7 4 13 51 138
0 0 0 0 0 0 1 17 46 99 241 446
0 0 0 0 0 0 0 1 3 6 15 55
Total Liabilities 15 15 19 19 19 19 20 45 73 140 332 669
0 0 0 0 0 0 1 2 2 3 7 20
CWIP 0 0 0 0 0 0 0 1 2 2 3 0
Investments 0 0 0 0 0 0 0 0 0 0 2 11
15 15 19 19 19 19 19 42 69 135 320 639
Total Assets 15 15 19 19 19 19 20 45 73 140 332 669

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 -0 -3 0 0 1 14 -32 -35 -59 -124 -224
-0 0 -0 0 -0 0 -1 -2 -1 -3 -11 -21
0 0 4 -0 -0 0 -0 27 29 66 185 284
Net Cash Flow 0 -0 1 0 0 2 14 -7 -8 4 50 39

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 0 3 0 88 0 0 0 0 0 0 3
Inventory Days 262 276 117 2,346 1,338 528 0
Days Payable 0 0 0 0 0 0
Cash Conversion Cycle 262 276 120 2,346 1,427 528 0 0 0 0 0 3
Working Capital Days 4,162 3,968 2,920 5,903 6,724 4,548 147 190 42 -42 -53 1,375
ROCE % 1% 1% -0% 2% -0% -1% 1% -8% -0% 4% 5% 11%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
68.69% 68.69% 63.86% 58.61% 58.61% 58.61% 54.28% 54.04% 55.11% 46.86% 47.83% 47.72%
0.05% 0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.83% 0.85% 0.85%
31.26% 31.26% 36.14% 41.39% 41.38% 41.39% 45.71% 45.97% 44.89% 52.31% 51.32% 51.43%
No. of Shareholders 8257139151,0111,2851,3781,4761,5001,4912,1522,3802,811

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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