Moneyboxx Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 3, 2025, 8:01 pm

Market Cap	780 Cr.
Current Price	239
High / Low	373/158
Stock P/E	73.3
Book Value	81.0
Dividend Yield	0.00 %
ROCE	11.4 %
ROE	7.45 %
Face Value	10.0
PEG Ratio	1.72

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Moneyboxx Finance Ltd

Competitors of Moneyboxx Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	16.0 Cr.	1.60	1.91/0.65	178	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	19.7 Cr.	1.96	19.5/1.78	25.2	1.56	0.00 %	2.57 %	4.07 %	1.00
Moneyboxx Finance Ltd	780 Cr.	239	373/158	73.3	81.0	0.00 %	11.4 %	7.45 %	10.0
Moongipa Capital Finance Ltd	18.7 Cr.	20.4	41.0/17.7	9.63	8.69	0.00 %	34.9 %	31.6 %	10.0
Morarka Finance Ltd	45.9 Cr.	102	191/95.0	16.4	387	5.88 %	4.04 %	3.58 %	10.0
Industry Average	24,789.31 Cr	518.20		40.07	534.29	0.27%	19.43%	10.58%	8.49

All Competitor Stocks of Moneyboxx Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	6.15	7.61	8.47	10.15	13.18	18.60	23.49	28.45	33.45	42.30	45.63	49.49	51.74
Expenses	4.57	5.34	6.18	9.31	10.74	10.74	12.57	15.96	19.27	23.44	24.59	30.01	33.78
Operating Profit	1.58	2.27	2.29	0.84	2.44	7.86	10.92	12.49	14.18	18.86	21.04	19.48	17.96
OPM %	25.69%	29.83%	27.04%	8.28%	18.51%	42.26%	46.49%	43.90%	42.39%	44.59%	46.11%	39.36%	34.71%
Other Income	0.00	0.01	0.00	0.00	0.01	0.02	0.03	0.05	0.07	0.11	0.07	0.08	0.08
Interest	3.07	3.58	4.03	4.85	5.74	7.05	8.51	10.16	10.67	13.47	15.08	15.62	15.86
Depreciation	0.24	0.25	0.34	0.42	0.45	0.52	0.67	0.71	0.90	1.07	1.55	1.83	1.94
Profit before tax	-1.73	-1.55	-2.08	-4.43	-3.74	0.31	1.77	1.67	2.68	4.43	4.48	2.11	0.24
Tax %	-49.13%	-72.90%	-23.08%	-33.86%	-28.07%	-35.48%	7.91%	18.56%	25.00%	6.77%	4.02%	3.79%	16.67%
Net Profit	-0.88	-0.42	-1.60	-2.92	-2.70	0.42	1.64	1.37	2.01	4.12	4.30	2.03	0.20
EPS in Rs	-0.41	-0.19	-0.68	-1.25	-1.15	0.17	0.66	0.54	0.67	1.35	1.41	0.62	0.06

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Moneyboxx Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹51.74 Cr.. The value appears strong and on an upward trend. It has increased from 49.49 Cr. (Sep 2024) to ₹51.74 Cr., marking an increase of 2.25 Cr..
For Expenses, as of Dec 2024, the value is ₹33.78 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 30.01 Cr. (Sep 2024) to ₹33.78 Cr., marking an increase of 3.77 Cr..
For Operating Profit, as of Dec 2024, the value is ₹17.96 Cr.. The value appears to be declining and may need further review. It has decreased from 19.48 Cr. (Sep 2024) to ₹17.96 Cr., marking a decrease of 1.52 Cr..
For OPM %, as of Dec 2024, the value is 34.71%. The value appears to be declining and may need further review. It has decreased from 39.36% (Sep 2024) to 34.71%, marking a decrease of 4.65%.
For Other Income, as of Dec 2024, the value is ₹0.08 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.08 Cr..
For Interest, as of Dec 2024, the value is ₹15.86 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15.62 Cr. (Sep 2024) to ₹15.86 Cr., marking an increase of 0.24 Cr..
For Depreciation, as of Dec 2024, the value is ₹1.94 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.83 Cr. (Sep 2024) to ₹1.94 Cr., marking an increase of 0.11 Cr..
For Profit before tax, as of Dec 2024, the value is ₹0.24 Cr.. The value appears to be declining and may need further review. It has decreased from 2.11 Cr. (Sep 2024) to ₹0.24 Cr., marking a decrease of 1.87 Cr..
For Tax %, as of Dec 2024, the value is 16.67%. The value appears to be increasing, which may not be favorable. It has increased from 3.79% (Sep 2024) to 16.67%, marking an increase of 12.88%.
For Net Profit, as of Dec 2024, the value is ₹0.20 Cr.. The value appears to be declining and may need further review. It has decreased from 2.03 Cr. (Sep 2024) to ₹0.20 Cr., marking a decrease of 1.83 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.06. The value appears to be declining and may need further review. It has decreased from 0.62 (Sep 2024) to 0.06, marking a decrease of 0.56.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	1	1	2	1	1	1	2	4	11	23	50	128	189
Expenses	1	1	2	1	1	1	2	6	10	18	37	71	112
Operating Profit	0	0	-0	0	-0	-0	0	-2	1	4	14	57	77
OPM %	14%	16%	-0%	34%	-2%	-13%	17%	-50%	5%	19%	27%	44%	41%
Other Income	0	0	0	0	0	0	0	0	0	1	0	0	0
Interest	0	0	0	0	0	0	0	1	4	11	22	43	60
Depreciation	0	0	0	0	0	0	0	1	1	1	2	3	6
Profit before tax	0	0	-0	0	-0	-0	0	-3	-4	-7	-10	11	11
Tax %	47%	24%	17%	31%	0%	0%	-26%	4%	-23%	-43%	-32%	13%
Net Profit	0	0	-0	0	-0	-0	0	-4	-3	-4	-7	9	11
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	3.44
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	25.00%	-33.33%	-75.00%	228.57%
Change in YoY Net Profit Growth (%)	0.00%	-58.33%	-41.67%	303.57%

Moneyboxx Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 4 years from 2020-2021 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	58%
5 Years:	130%
3 Years:	127%
TTM:	82%

Compounded Profit Growth
10 Years:	50%
5 Years:	109%
3 Years:	72%
TTM:	96%

Stock Price CAGR
10 Years:	41%
5 Years:	29%
3 Years:	25%
1 Year:	-10%

Return on Equity
10 Years:	-2%
5 Years:	-3%
3 Years:	-1%
Last Year:	7%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	2	12	17	17	17	17	17	20	20	22	25	30	33
Reserves	13	2	2	2	2	2	2	7	4	13	51	138	232
Borrowings	0	0	0	0	0	0	1	17	46	99	241	452	455
Other Liabilities	0	0	0	0	0	0	0	1	3	6	14	48	33
Total Liabilities	15	15	19	19	19	19	20	45	73	140	331	669	752
Fixed Assets	0	0	0	0	0	0	1	2	2	3	7	20	26
CWIP	0	0	0	0	0	0	0	1	2	2	3	0	0
Investments	0	0	0	0	0	0	0	0	0	0	2	11	12
Other Assets	15	15	19	19	19	19	19	42	69	135	319	639	714
Total Assets	15	15	19	19	19	19	20	45	73	140	331	669	752

Below is a detailed analysis of the balance sheet data for Moneyboxx Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹33.00 Cr.. The value appears strong and on an upward trend. It has increased from 30.00 Cr. (Mar 2024) to ₹33.00 Cr., marking an increase of 3.00 Cr..
For Reserves, as of Sep 2024, the value is ₹232.00 Cr.. The value appears strong and on an upward trend. It has increased from 138.00 Cr. (Mar 2024) to ₹232.00 Cr., marking an increase of 94.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹455.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 452.00 Cr. (Mar 2024) to ₹455.00 Cr., marking an increase of 3.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹33.00 Cr.. The value appears to be improving (decreasing). It has decreased from 48.00 Cr. (Mar 2024) to ₹33.00 Cr., marking a decrease of 15.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹752.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 669.00 Cr. (Mar 2024) to ₹752.00 Cr., marking an increase of 83.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹26.00 Cr.. The value appears strong and on an upward trend. It has increased from 20.00 Cr. (Mar 2024) to ₹26.00 Cr., marking an increase of 6.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹12.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Mar 2024) to ₹12.00 Cr., marking an increase of 1.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹714.00 Cr.. The value appears strong and on an upward trend. It has increased from 639.00 Cr. (Mar 2024) to ₹714.00 Cr., marking an increase of 75.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹752.00 Cr.. The value appears strong and on an upward trend. It has increased from 669.00 Cr. (Mar 2024) to ₹752.00 Cr., marking an increase of 83.00 Cr..

However, the Borrowings (455.00 Cr.) are higher than the Reserves (₹232.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	0	-0	-3	0	0	1	14	-32	-35	-59	-124	-224
Cash from Investing Activity +	-0	-0	-0	0	-0	0	-1	-2	-1	-3	-11	-21
Cash from Financing Activity +	-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

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	0.00	0.00	0.00	0.00	0.00	0.00	-1.00	-19.00	-45.00	-95.00	-227.00	-395.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	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	-58	-54
ROCE %	1%	1%	-0%	2%	-0%	-1%	1%	-8%	-0%	4%	5%	11%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	63.86%	58.61%	58.61%	58.61%	54.28%	54.04%	55.11%	46.86%	47.83%	47.72%	44.69%	44.69%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.83%	0.85%	0.85%	1.20%	1.20%
Public	36.14%	41.39%	41.38%	41.39%	45.71%	45.97%	44.89%	52.31%	51.32%	51.43%	54.11%	54.12%
No. of Shareholders	915	1,011	1,285	1,378	1,476	1,500	1,491	2,152	2,380	2,811	4,277	4,161

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	3.45	-2.94	-1.82	-1.48	-1.77
Diluted EPS (Rs.)	3.40	-2.94	-1.82	-1.48	-1.77
Cash EPS (Rs.)	4.09	-2.04	-1.29	-1.08	-1.50
Book Value[Excl.RevalReserv]/Share (Rs.)	55.38	30.66	15.98	12.03	13.51
Book Value[Incl.RevalReserv]/Share (Rs.)	55.38	30.66	15.98	12.03	13.51
Revenue From Operations / Share (Rs.)	41.88	20.23	10.46	5.46	1.87
PBDIT / Share (Rs.)	18.60	5.40	2.30	0.28	-1.02
PBIT / Share (Rs.)	17.50	4.71	1.87	-0.11	-1.29
PBT / Share (Rs.)	3.46	-3.99	-3.02	-1.93	-1.70
Net Profit / Share (Rs.)	3.00	-2.73	-1.72	-1.48	-1.77
PBDIT Margin (%)	44.41	26.71	22.00	5.30	-54.74
PBIT Margin (%)	41.79	23.27	17.85	-2.11	-69.24
PBT Margin (%)	8.26	-19.72	-28.87	-35.40	-90.87
Net Profit Margin (%)	7.15	-13.49	-16.46	-27.09	-94.55
Return on Networth / Equity (%)	5.41	-8.90	-10.77	-12.31	-13.07
Return on Capital Employeed (%)	29.73	9.93	8.37	-0.87	-9.27
Return On Assets (%)	1.36	-2.04	-2.64	-4.07	-7.85
Long Term Debt / Equity (X)	0.00	0.35	0.18	0.00	0.00
Total Debt / Equity (X)	2.63	3.12	2.83	1.86	0.58
Asset Turnover Ratio (%)	0.25	0.21	0.21	0.18	0.11
Current Ratio (X)	1.30	1.46	1.40	1.44	2.40
Quick Ratio (X)	1.30	1.46	1.40	1.44	2.40
Interest Coverage Ratio (X)	1.32	0.62	0.47	0.15	-2.53
Interest Coverage Ratio (Post Tax) (X)	1.21	0.68	0.64	0.18	-3.37
Enterprise Value (Cr.)	1107.82	564.37	337.60	185.06	133.64
EV / Net Operating Revenue (X)	8.68	11.20	14.94	16.87	35.62
EV / EBITDA (X)	19.53	41.91	67.90	318.07	-65.06
MarketCap / Net Operating Revenue (X)	6.09	7.71	10.98	12.99	33.99
Price / BV (X)	4.60	5.09	7.18	5.90	4.70
Price / Net Operating Revenue (X)	6.09	7.71	10.98	12.99	33.99
EarningsYield	0.01	-0.01	-0.01	-0.02	-0.02

After reviewing the key financial ratios for Moneyboxx Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 3.45. This value is below the healthy minimum of 5. It has increased from -2.94 (Mar 23) to 3.45, marking an increase of 6.39.
For Diluted EPS (Rs.), as of Mar 24, the value is 3.40. This value is below the healthy minimum of 5. It has increased from -2.94 (Mar 23) to 3.40, marking an increase of 6.34.
For Cash EPS (Rs.), as of Mar 24, the value is 4.09. This value is within the healthy range. It has increased from -2.04 (Mar 23) to 4.09, marking an increase of 6.13.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 55.38. It has increased from 30.66 (Mar 23) to 55.38, marking an increase of 24.72.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 55.38. It has increased from 30.66 (Mar 23) to 55.38, marking an increase of 24.72.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 41.88. It has increased from 20.23 (Mar 23) to 41.88, marking an increase of 21.65.
For PBDIT / Share (Rs.), as of Mar 24, the value is 18.60. This value is within the healthy range. It has increased from 5.40 (Mar 23) to 18.60, marking an increase of 13.20.
For PBIT / Share (Rs.), as of Mar 24, the value is 17.50. This value is within the healthy range. It has increased from 4.71 (Mar 23) to 17.50, marking an increase of 12.79.
For PBT / Share (Rs.), as of Mar 24, the value is 3.46. This value is within the healthy range. It has increased from -3.99 (Mar 23) to 3.46, marking an increase of 7.45.
For Net Profit / Share (Rs.), as of Mar 24, the value is 3.00. This value is within the healthy range. It has increased from -2.73 (Mar 23) to 3.00, marking an increase of 5.73.
For PBDIT Margin (%), as of Mar 24, the value is 44.41. This value is within the healthy range. It has increased from 26.71 (Mar 23) to 44.41, marking an increase of 17.70.
For PBIT Margin (%), as of Mar 24, the value is 41.79. This value exceeds the healthy maximum of 20. It has increased from 23.27 (Mar 23) to 41.79, marking an increase of 18.52.
For PBT Margin (%), as of Mar 24, the value is 8.26. This value is below the healthy minimum of 10. It has increased from -19.72 (Mar 23) to 8.26, marking an increase of 27.98.
For Net Profit Margin (%), as of Mar 24, the value is 7.15. This value is within the healthy range. It has increased from -13.49 (Mar 23) to 7.15, marking an increase of 20.64.
For Return on Networth / Equity (%), as of Mar 24, the value is 5.41. This value is below the healthy minimum of 15. It has increased from -8.90 (Mar 23) to 5.41, marking an increase of 14.31.
For Return on Capital Employeed (%), as of Mar 24, the value is 29.73. This value is within the healthy range. It has increased from 9.93 (Mar 23) to 29.73, marking an increase of 19.80.
For Return On Assets (%), as of Mar 24, the value is 1.36. This value is below the healthy minimum of 5. It has increased from -2.04 (Mar 23) to 1.36, marking an increase of 3.40.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.35 (Mar 23) to 0.00, marking a decrease of 0.35.
For Total Debt / Equity (X), as of Mar 24, the value is 2.63. This value exceeds the healthy maximum of 1. It has decreased from 3.12 (Mar 23) to 2.63, marking a decrease of 0.49.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.25. It has increased from 0.21 (Mar 23) to 0.25, marking an increase of 0.04.
For Current Ratio (X), as of Mar 24, the value is 1.30. This value is below the healthy minimum of 1.5. It has decreased from 1.46 (Mar 23) to 1.30, marking a decrease of 0.16.
For Quick Ratio (X), as of Mar 24, the value is 1.30. This value is within the healthy range. It has decreased from 1.46 (Mar 23) to 1.30, marking a decrease of 0.16.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.32. This value is below the healthy minimum of 3. It has increased from 0.62 (Mar 23) to 1.32, marking an increase of 0.70.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.21. This value is below the healthy minimum of 3. It has increased from 0.68 (Mar 23) to 1.21, marking an increase of 0.53.
For Enterprise Value (Cr.), as of Mar 24, the value is 1,107.82. It has increased from 564.37 (Mar 23) to 1,107.82, marking an increase of 543.45.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 8.68. This value exceeds the healthy maximum of 3. It has decreased from 11.20 (Mar 23) to 8.68, marking a decrease of 2.52.
For EV / EBITDA (X), as of Mar 24, the value is 19.53. This value exceeds the healthy maximum of 15. It has decreased from 41.91 (Mar 23) to 19.53, marking a decrease of 22.38.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 6.09. This value exceeds the healthy maximum of 3. It has decreased from 7.71 (Mar 23) to 6.09, marking a decrease of 1.62.
For Price / BV (X), as of Mar 24, the value is 4.60. This value exceeds the healthy maximum of 3. It has decreased from 5.09 (Mar 23) to 4.60, marking a decrease of 0.49.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 6.09. This value exceeds the healthy maximum of 3. It has decreased from 7.71 (Mar 23) to 6.09, marking a decrease of 1.62.
For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. It has increased from -0.01 (Mar 23) to 0.01, marking an increase of 0.02.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Moneyboxx Finance Ltd as of April 3, 2025 is: 360.94

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 3, 2025, Moneyboxx Finance Ltd is Undervalued by 51.02% compared to the current share price 239.00

Intrinsic Value of Moneyboxx Finance Ltd as of April 3, 2025 is: 515.11

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 3, 2025, Moneyboxx Finance Ltd is Undervalued by 115.53% compared to the current share price 239.00

Last 5 Year EPS CAGR: 42.71%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of 20.75, which is a positive sign.	The stock has a low average ROCE of 1.33%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 99.33, which may not be favorable. The company has higher borrowings (100.85) compared to reserves (36.15), which may suggest financial risk. The company has not shown consistent growth in sales (31.85) and profit (-0.15).

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Moneyboxx Finance Ltd:
1. Net Profit Margin: 7.15%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 29.73% (Industry Average ROCE: 19.43%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 5.41% (Industry Average ROE: 10.37%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.21
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.3
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 73.3 (Industry average Stock P/E: 32.21)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 2.63
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Moneyboxx Finance Ltd. is a Public Limited Listed company incorporated on 16/11/1994 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L30007DL1994PLC260191 and registration number is 260191. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 127.69 Cr. and Equity Capital is Rs. 30.49 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	523-A, Somdutt Chamber-II, 9, Bhikaji Cama Place, New Delhi Delhi 110066	info@moneyboxxfinance.com http://www.moneyboxxfinance.com

Management
Name	Position Held
Mr. Uma Shankar Paliwal	Chairman & Ind.Dire (Non-Exe)
Mr. Deepak Aggarwal	Whole Time Director
Mr. Mayur Modi	Whole Time Director
Mr. Atul Garg	Non Exe.Non Ind.Director
Mr. Govind Gupta	Non Exe.Non Ind.Director
Ms. Ratna Dharashree Vishwanathan	Ind. Non-Executive Woman Director

FAQ

What is the intrinsic value of Moneyboxx Finance Ltd?

Moneyboxx Finance Ltd's intrinsic value (as of 03 April 2025) is ₹360.94 — 51.02% higher the current market price of ₹239.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 780 Cr. market cap, FY2025-2026 high/low of ₹373/158, reserves of 232 Cr, and liabilities of 752 Cr.

What is the Market Cap of Moneyboxx Finance Ltd?

The Market Cap of Moneyboxx Finance Ltd is 780 Cr..

What is the current Stock Price of Moneyboxx Finance Ltd as on 03 April 2025?

The current stock price of Moneyboxx Finance Ltd as on 03 April 2025 is 239.

What is the High / Low of Moneyboxx Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Moneyboxx Finance Ltd stocks is ₹373/158.

What is the Stock P/E of Moneyboxx Finance Ltd?

The Stock P/E of Moneyboxx Finance Ltd is 73.3.

What is the Book Value of Moneyboxx Finance Ltd?

The Book Value of Moneyboxx Finance Ltd is 81.0.

What is the Dividend Yield of Moneyboxx Finance Ltd?

The Dividend Yield of Moneyboxx Finance Ltd is 0.00 %.

What is the ROCE of Moneyboxx Finance Ltd?

The ROCE of Moneyboxx Finance Ltd is 11.4 %.

What is the ROE of Moneyboxx Finance Ltd?

The ROE of Moneyboxx Finance Ltd is 7.45 %.

What is the Face Value of Moneyboxx Finance Ltd?

The Face Value of Moneyboxx Finance Ltd is 10.0.