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MoneyBoxx Finance Ltd.
(MONEYBOXX)
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Rating:40Underperform
Price Target:
₹52.00
▼(-8.76% Downside)
Action:Downgraded
Date:09/16/26
The score is held down primarily by weak financial quality—persistent negative operating/free cash flow and meaningful leverage—despite strong revenue growth and improved gross margin. Technicals also remain poor, with the stock trading below key moving averages and negative MACD. Valuation adds pressure given the very high P/E and no dividend yield provided.
Positive Factors
Strong Revenue Growth
The sharp FY2026 revenue increase indicates substantial expansion in lending activity and customer reach. If the company can maintain this growth while controlling credit and operating costs, a larger loan book should create greater scale and improve its ability to absorb fixed expenses over the next several quarters.
Negative Factors
Persistent Negative Cash Flow
Persistent negative operating and free cash flow means growth is not yet being funded by internally generated cash. This can increase dependence on borrowings or other external financing, leaving the company more exposed if funding becomes less available or more expensive.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
The sharp FY2026 revenue increase indicates substantial expansion in lending activity and customer reach. If the company can maintain this growth while controlling credit and operating costs, a larger loan book should create greater scale and improve its ability to absorb fixed expenses over the next several quarters.
Read all positive factors
MoneyBoxx Finance Ltd. (MONEYBOXX) vs. iShares MSCI India ETF (INDA)
Market Cap
₹3.77B
Dividend YieldN/A
Average Volume (3M)18.90K
Price to Earnings (P/E)210.7
Beta (1Y)0.96
Revenue Growth5.87%
EPS GrowthN/A
CountryIN
Employees1,830
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.24
Shares Outstanding69,809,200
10 Day Avg. Volume40,056
30 Day Avg. Volume18,901
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.34
Price to Sales (P/S)1.70
P/FCF Ratio-7.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)14.5
Revenue Forecast (FY)₹5.59B
MoneyBoxx Finance Ltd. Business Overview & Revenue Model
Company Description
Moneyboxx Finance Limited operates as a non-banking financial institution, providing an array of lending solutions across India. The company specializes in offering small-scale business credit through its Moneyboxx Vyapaar initiative, alongside pr...
How the Company Makes Money
MoneyBoxx Finance Ltd. primarily makes money by earning interest income on the loans it disburses to customers. The spread between (a) the interest rate it charges borrowers and (b) its own cost of funds (borrowings from banks/financial institutio...
MoneyBoxx Finance Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
44
Neutral
Cash Flow
26
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.24B | 2.32B | 1.83B | 1.15B | 494.38M | 222.75M |
| Gross Profit | 1.03B | 1.29B | 576.43M | 356.07M | 79.73M | 12.82M |
| EBITDA | 150.50M | 113.72M | 126.46M | 149.08M | -78.48M | -53.86M |
| Net Income | 13.05M | 13.41M | 12.49M | 91.41M | -68.04M | -37.20M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 9.95B | 9.44B | 6.69B | 3.31B | 1.40B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.43B | 1.93B | 1.24B | 658.66M | 78.80M |
| Total Debt | 0.00 | 6.75B | 6.45B | 4.46B | 2.41B | 994.30M |
| Total Liabilities | -2.96B | 6.99B | 6.83B | 5.00B | 2.54B | 1.05B |
| Stockholders Equity | 2.96B | 2.96B | 2.61B | 1.69B | 763.98M | 345.14M |
Cash Flow | ||||||
| Free Cash Flow | -317.08M | -498.26M | -2.34B | -2.30B | -1.29B | -607.79M |
| Operating Cash Flow | -279.00M | -324.75M | -2.25B | -2.24B | -1.24B | -593.83M |
| Investing Cash Flow | -638.34M | -804.02M | -114.71M | -212.71M | -105.09M | -28.22M |
| Financing Cash Flow | -61.13M | 636.38M | 2.78B | 2.84B | 1.85B | 659.55M |
MoneyBoxx Finance Ltd. Technical Analysis
Negative
56.99
Price Trends
56.57
Negative
62.94
Negative
63.45
Negative
Market Momentum
-0.89
Negative
49.80
Neutral
80.84
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MONEYBOXX, the sentiment is Negative. The current price of 56.99 is above the 20-day moving average (MA) of 53.04, above the 50-day MA of 56.57, and below the 200-day MA of 63.45, indicating a neutral trend. The MACD of -0.89 indicates Negative momentum. The RSI at 49.80 is Neutral, neither overbought nor oversold. The STOCH value of 80.84 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MONEYBOXX.
MoneyBoxx Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹7.05B | 14.34 | ― | 0.90% | 30.68% | 15.32% | |
68 Neutral | ₹3.46B | 7.73 | ― | ― | 40.31% | 29.34% | |
68 Neutral | ₹4.83B | 5.60 | ― | 1.41% | 19.69% | 15.92% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹3.81B | 15.52 | ― | 3.66% | 23.27% | -20.85% | |
54 Neutral | ₹4.73B | 25.84 | ― | 0.34% | 48.83% | 36.34% | |
40 Underperform | ₹3.77B | 210.65 | ― | ― | 5.87% | ― |
* General Sector Average
IN:MONEYBOXX
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MoneyBoxx Finance Ltd. Corporate Events
Moneyboxx Finance addresses stock price volatility, affirms regulatory compliance
Sep 14, 2026
Moneyboxx Finance has responded to stock exchanges after a significant movement in its share price, stating it has fully complied with disclosure obligations under SEBI Listing Regulations and has no undisclosed material information or events. The...
Moneyboxx Finance Highlights Growth Ambitions in New Investor Deck
Sep 11, 2026
Moneyboxx Finance Limited has released an investor deck for the period ended August 2026, complying with Indian listing and disclosure regulations and making the information available on its website for shareholders and market participants. The pr...
Moneyboxx Finance Sets September 29 Virtual AGM, Releases FY26 Integrated Report
Sep 6, 2026
Moneyboxx Finance Limited has scheduled its 32nd Annual General Meeting for September 29, 2026, to be conducted via video conference and other audio-visual means, and has circulated the integrated annual report for the financial year 2025-26 to el...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.