Please find enclosed herewith the Investor Presentation for the Quarter ended June 30, 2025
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Moneyboxx Finance, a rural and semi-urban MSME-focused NBFC, shared its Q1 FY26 investor presentation. Total income grew 29% YoY to ₹59.12 crore, while AUM rose 23% YoY to ₹918 crore across 163 branches in 12 states. However, profitability took a hit — PAT plunged 94% to just ₹0.24 crore, NIMs compressed from 16.6% to 14.4%, and GNPA surged to 7.28% from 1.59% as the company navigates a credit cycle. On the positive side, secured book share improved to 49% of AUM (target ~70% by Mar'26), equity grew 50% to ₹262 crore, CRAR is healthy at 28.4%, and the company has ₹165 crore in liquidity with 32 lenders supporting it.
Near-term sentiment is likely negative due to the sharp PAT decline, NIM compression, and significant jump in NPAs reflecting asset quality stress. However, the shift toward secured lending, declining cost of funds, strong capital position, and management's explicit guidance for profitability improvement as credit costs normalize could offer a longer-term recovery story for patient investors.