Moneyboxx Finance Ltd (MONEYBOXX)

Financial Services · Finance · NSE · Updated 2 September 2026

By StockFin Research Team • AI-Assisted Analysis • Source: BSE/NSE Filings

₹57 ↓ 20.37% (1Y)

🎯 Key Takeaways

Moneyboxx Finance Ltd appears to be in a stabilization phase following leadership continuity and strategic capital authorization, with minimal operational activity reflected in flat revenue and near-zero profitability. The company maintains a high debt-equity ratio of 2.
Revenue declined 17.6% QoQ to ₹52 in Q1FY27.
⚠️ 1) Persistent operational losses and stagnant revenue trends with no margin improvement despite revenue stability. 2) High and rising debt-equity rati

Market Cap

₹398

P/E Ratio

237.5

P/B Ratio

1.71

ROE

0.6%

ROCE

9.8%

Debt/Equity

2.74

Promoter

46.8%

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📖 The Story

Moneyboxx Finance Ltd appears to be in a stabilization phase following leadership continuity and strategic capital authorization, with minimal operational activity reflected in flat revenue and near-zero profitability. The company maintains a high debt-equity ratio of 2.74 and reports persistent losses, suggesting limited near-term earnings recovery despite structural changes.

📰 What's Happening

In August 2026, the board reappointed Deepak Aggarwal as CFO and Whole-Time Director for five years, ensuring leadership continuity. Concurrently, the company authorized up to ₹1,200 crore in non-convertible debentures (NCDs) and completed a private placement of 50,000 NCDs worth ₹50 crore to Capri Global Capital, carrying a 10.75% coupon and secured by receivables and fixed deposits. Additionally, 909,200 stock options were granted under the 2021 ESOP scheme, signaling employee retention focus but increasing potential dilution.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	55	55	63	52
Operating Profit	0	0	0	0
OPM %	0.5%	0.6%	0.6%	0.3%
Net Profit	0	0	0	0
EPS	₹0.09	₹0.05	₹0.07	₹0.03

Quarterly revenue has remained stagnant around ₹55–63 lakhs over the past year with no improvement in operating or net profit, and earnings per share has plateaued between ₹0.03 and ₹0.09. Despite rising total income, operating margins remain below 1% and profitability is negligible, indicating that financial growth is not translating into operational efficiency or earnings expansion.

🔮 Management Outlook & What's Next

Management has not provided forward guidance or strategic commentary in recent filings regarding revenue recovery, margin improvement, or capital deployment plans. The absence of explicit outlook statements, coupled with ongoing losses and high leverage, suggests limited confidence in near-term earnings visibility or transformational growth initiatives.

Extracted from official company announcements. Not StockFin.ai's opinion.

🏦 Balance Sheet (₹ Cr)

Item	Mar 2025	Mar 2025	Mar 2026	Mar 2026
Equity Capital	33	33	33	70
Reserves	232	200	229	226
Borrowings	455	636	639	675
Total Liabilities	752	944	930	995
Fixed Assets	21	31	21	19
Investments	12	0	36	40
Total Assets	752	944	930	995

Equity has declined slightly to ₹33 lakhs by March 2026 while reserves remain stable near ₹226–229 lakhs, indicating minimal capital base growth. Borrowings have increased to ₹675 lakhs from ₹639 lakhs, reflecting active debt utilization. Total assets have risen modestly to ₹995 lakhs, but the growing debt burden relative to equity raises concerns about financial flexibility and leverage sustainability.

💰 Cash Flow Statement (₹ Cr)

Item	Mar 2025
Operating	-225
Investing	-11
Financing	+278
Net Cash Flow	+41

👥 Shareholding Pattern

Category	Q3FY26	Q4FY26	Q1FY27
Promoters	44.6%	46.8%	46.8%
FII	0.0%	0.0%	0.0%
DII	0.3%	0.0%	0.0%
Public	50.4%	48.4%	47.9%
# Shareholders	4,972	4,677	4,500

Promoter holding remains stable at 46.79% over the last three quarters, but public shareholding has gradually increased from 50.42% to 48.37% as FII and DII stakes have nearly disappeared. The shrinking institutional interest and rising retail presence may reflect shifting investor sentiment, though the lack of foreign or domestic institutional inflows suggests limited confidence in the company’s turnaround prospects.

⚖️ Peer Comparison — Finance

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
BAJFINANCE	6.56 L Cr	32.2	10.4%	18.1%	3.82
BAJAJFINSV	3.15 L Cr	31.0	11.4%	26.5%	5.50
SHRIRAMFIN	2.49 L Cr	18.7	11.5%	17.1%	3.80
TATACAP	1.56 L Cr	28.6	8.4%	12.3%	5.28
JIOFIN	1.56 L Cr	73.3	2.3%	1.6%	0.17
CHOLAFIN	1.55 L Cr	26.7	9.3%	18.9%	6.93
ICICIAMC	1.50 L Cr	30.0	111.5%	83.6%	0.00
BAJAJHLDNG	1.26 L Cr	14.3	12.4%	12.3%	0.00
MUTHOOTFIN	1.17 L Cr	10.3	14.4%	29.3%	3.88
SBIFUNDS	1.16 L Cr	—	—	—	0.00

🔗 Peer Stock Analyses

BAJFINANCE BAJAJFINSV SHRIRAMFIN TATACAP JIOFIN

⚠️ Risk Factors

1) Persistent operational losses and stagnant revenue trends with no margin improvement despite revenue stability. 2) High and rising debt-equity ratio of 2.74, exacerbated by recent NCD issuances, increasing financial risk. 3) Minimal profitability (NP ₹0 in recent quarters) despite income generation, indicating structural inefficiencies. 4) Near-total absence of FII/DII ownership, which may limit liquidity and institutional support during volatility.

📋 Recent Filings

🧠 Analyst's Read

The company is navigating a fragile phase marked by leadership continuity but weak operational momentum and rising leverage. Without a clear path to profitability or revenue growth, investor focus should remain on capital allocation discipline and whether new debt can be deployed to generate sustainable returns.

Based on filing content and financial data. Not a recommendation.

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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-09-02.

Editorial & Data Transparency Notice

This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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