Lends to small and micro entrepreneurs in rural and semi-urban India, with individual ticket sizes in the INR 1 to 25 lakh range. The business runs 156 branches across 12 states, holds an AUM of Rs. 893 crore, and serves 62,000-plus active borrowers, of whom 30 percent are first-time borrowers. It is shifting the book from unsecured to secured lending, with secured disbursements rising to 67 percent in FY26 from 49 percent in FY25, and secured AUM now at 68 percent of the book, targeting about 80 percent by March 2027. FY26 revenue was Rs. 231.77 crore, up 16.5 percent year-on-year, while net profit was Rs. 1.34 crore. On the cost side, employee expense is the largest line at 36.5 percent of revenue, followed by other operating expenses at 9.2 percent. Asset quality has improved with GNPA falling to 3.59 percent in March 2026 from 6.61 percent a year earlier. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income from lending. Rural-focused, small-ticket NBFC lending to underserved entrepreneurs with a mix of secured and unsecured loans
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 23 | 50 | 128 | 199 | 232 |
| EBITDA (ex other income) | 4 | 13 | 56 | 74 | 95 |
| margin % | 18.8 | 26.7 | 44.2 | 37.0 | 40.8 |
| Owners' profit | (4) | (7) | 9 | 1 | 1 |
| EPS, as reported (₹) | (1.82) | (2.94) | 3.45 | 0.39 | 0.20 |
| ROE % · ROCE % | (10.8) · — | (8.9) · — | 5.4 · — | 0.5 · — | 0.5 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (59) | (124) | (224) | (225) | (32) |
| Capex | (1) | (4) | (6) | (9) | (1) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 49 | 52 | 52 | 59 | 55 | 55 | 63 | 52 |
| Profit before tax | 2 | 0 | (4) | 0 | 0 | 0 | 0 | 0 |
| Net profit | 2 | 0 | (5) | 0 | 0 | 0 | 0 | 0 |
| EPS (₹) | 0.66 | 0.06 | (1.62) | 0.07 | 0.09 | 0.05 | 0.07 | 0.03 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · BSE seeks clarification from Moneyboxx Finance on sharp price movement | regulatory legal | high | — | — |
| 11 Sept 2026 · Moneyboxx Finance Investor Deck for period ended August 2026 | investor communications | medium | — | — |
| 7 Sept 2026 · Newspaper notice published for 32nd AGM e-voting | compliance | minimal | — | — |
| 6 Sept 2026 · 32nd AGM on Sept 29: NCD plan Rs 1,200 cr, related party deal Rs 2,000 cr | board shareholder meetings | medium | — | — |
| 6 Sept 2026 · 32nd AGM on Sept 29: NCD raise of Rs 1,200 cr and director re-appointments | board shareholder meetings | medium | — | — |
| 5 Sept 2026 · Newspaper notice published for 32nd Annual General Meeting | compliance | minimal | — | — |
| 1 Sept 2026 · Moneyboxx partners with Bachatt to launch digital lending platform | strategic transactions | medium | — | — |
| 1 Sept 2026 · Moneyboxx launches SmartBiz Loan via Digital Lending Platform partnership with Bachatt | business updates | medium | — | — |
| 18 Aug 2026 · Moneyboxx Q1 FY27 earnings call transcript filed; secured share rises to 87 percent of disbursals | investor communications | medium | — | — |
| 13 Aug 2026 · Audio link of Q1 FY27 earnings call shared | investor communications | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| MUTHOOT FINANCE LIMITED |
| 1,12,094 |
| 9.9 |
| 2.82 |
| 3.9 |
| 26.7 |
| — |
| 22.0 |
| 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 170.3 | 18.2 | 199 of 212 | 6% |
| P/B | 1.0 | 1.1 | 109 of 245 | 55% |
| ROE | 0.5 | 3.0 | 192 of 266 | 28% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 45.9 | 48.6 | 128 of 249 | 49% |
| Revenue growth | (11.9) | 12.6 | 157 of 231 | 32% |
| Profit growth | (15.0) | 7.8 | 136 of 251 | 46% |
| Market cap | 285 | 37 | 57 of 260 | 78% |
| A rating (BUY / ADD / REDUCE / SELL) |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
