Moneyboxx Finance Limited has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32
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Awaiting price reaction for this filing.
Moneyboxx Finance (RBI-registered NBFC, Base Layer) reported Q3 FY26 (quarter ended Dec 31, 2025) standalone results: total income rose to Rs. 5,506 lakhs from Rs. 5,182 lakhs YoY, but profit after tax collapsed to Rs. 87 lakhs from Rs. 654 lakhs YoY — an ~87% drop. For the 9M FY26, total income grew ~15% to Rs. 16,890 lakhs, yet PAT was just Rs. 87 lakhs versus Rs. 654 lakhs in 9M FY25. Net profit margin for 9M FY26 was a thin 0.52%, with EPS of Rs. 0.13 (basic). Asset quality is under pressure: Gross Stage 3 ratio at 1.43% and Net Stage 3 at 0.72%, while the company is in breach of financial covenants on its NCD (ISIN INE296Q07050), with PAR>90 at 4.32% versus a 3% cap. The company has sought a waiver from the debenture trustee. During the quarter, it transferred 2,417 stressed loan accounts worth Rs. 3,231 lakhs to an ARC for Rs. 2,170 lakhs. Capital adequacy ratio stands at 26.68%, debt-equity at 2.48x, and net worth at Rs. 26,196 lakhs. A 1:1 bonus issue was completed in December 2025.
Sharp YoY profit collapse alongside an NCD covenant breach on asset quality is a clear negative for shareholders; expect negative near-term stock reaction. The bonus issue boosts share count but does not address the underlying stress in loan book quality — investors should watch the debenture trustee waiver outcome and NPAs closely.