Moneyboxx Finance Limited has submitted to the Exchange, the financial results for the period ended December 31, 2025.
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Moneyboxx Finance, an NBFC classified under the Base Layer by RBI, has filed its unaudited Q3 FY26 and 9M FY26 results. Total income for Q3 FY26 was Rs 54.99 crores, nearly flat compared to Rs 55.06 crores in Q3 FY25. For 9M FY26, total income grew about 15% to Rs 168.63 crores from Rs 146.87 crores in 9M FY25. However, profit after tax for 9M FY26 was only Rs 0.87 crores, a sharp fall from Rs 6.54 crores in 9M FY25, giving a wafer-thin net profit margin of 0.52%. The company allotted bonus shares in a 1:1 ratio (3.27 crore shares) in December 2025, and EPS for prior periods has been restated accordingly. Importantly, the auditor flagged an 'Emphasis of Matter' for non-compliance with asset quality covenants on its listed NCDs — the company's PAR>90 stood at 4.32% against a 3% limit, and combined stress ratios also exceeded covenant thresholds. The company is in discussion with the debenture trustee to seek a waiver. Asset cover on listed NCDs is barely above 1x at 1.10x, and the debt-equity ratio is 2.48.
The NCD covenant breach is a material concern — if the trustee does not grant a waiver, it could trigger default provisions and pressure liquidity. The dramatic drop in profit and razor-thin margins also signal significant business stress, likely from rising credit costs in the MSME lending portfolio.