BSE:538446

Stock Analysis Report

Executive Summary

Moneyboxx Finance Limited operates as a non-banking financial company in India.


Snowflake Analysis

Worrying balance sheet with weak fundamentals.

Share Price & News

How has Moneyboxx Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 538446 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

1.3%

538446

-2.8%

IN Consumer Finance

-3.9%

IN Market


1 Year Return

841.1%

538446

49.0%

IN Consumer Finance

4.5%

IN Market

Return vs Industry: 538446 exceeded the Indian Consumer Finance industry which returned 51.3% over the past year.

Return vs Market: 538446 exceeded the Indian Market which returned 5.2% over the past year.


Shareholder returns

538446IndustryMarket
7 Day1.3%-2.8%-3.9%
30 Day10.0%9.1%-3.9%
90 Day2.9%13.8%-2.1%
1 Year841.1%841.1%50.0%49.0%6.4%4.5%
3 Year918.0%918.0%144.0%138.7%19.4%12.8%
5 Year496.5%496.5%257.0%241.4%28.2%16.6%

Price Volatility Vs. Market

How volatile is Moneyboxx Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Moneyboxx Finance undervalued compared to its fair value and its price relative to the market?

7.64x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 538446's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 538446's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 538446 is unprofitable, so we can't compare its PE Ratio to the Consumer Finance industry average.

PE vs Market: 538446 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 538446's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 538446 is overvalued based on its PB Ratio (7.6x) compared to the IN Consumer Finance industry average (0.7x).


Next Steps

Future Growth

How is Moneyboxx Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

24.8%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Moneyboxx Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Moneyboxx Finance performed over the past 5 years?

-39.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 538446 is currently unprofitable.

Growing Profit Margin: 538446 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 538446 is unprofitable, and losses have increased over the past 5 years at a rate of -39.1% per year.

Accelerating Growth: Unable to compare 538446's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 538446 is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (14.2%).


Return on Equity

High ROE: 538446 has a negative Return on Equity (-6.09%), as it is currently unprofitable.


Next Steps

Financial Health

How is Moneyboxx Finance's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 538446 has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if 538446's debt is covered by short term assets.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if 538446 has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if 538446 has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


Financial Institutions Analysis

Asset Level: 538446's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 538446 has a sufficient allowance for bad loans.

Low Risk Liabilities: 538446 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 538446 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 538446 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 538446 has an appropriate level of bad loans.


Next Steps

Dividend

What is Moneyboxx Finance's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 538446's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 538446's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 538446's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 538446's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 538446's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.9yrs

Average management tenure


CEO

Prashant Agarwal 0

0.9yrs

Tenure

Mr. Prashant Agarwal serves as Whole-Time Director at Moneyboxx Finance Limited (formerly known as Dhanuka Commercial Limited) since October 12, 2018 and serves as its Co-Chief Executive Officer and Chief  ...


Leadership Team

NamePositionTenureCompensationOwnership
Prashant Agarwal
Co-CEO, CFO & Whole-Time Director0.9yrsno datano data
Mayur Modi
Co-CEO, COO & Whole-Time Director1.3yrs₹966.62kno data
Radhika Garg
Company Secretary & Compliance Officer1.3yrsno datano data

0.9yrs

Average Tenure

Experienced Management: 538446's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Prashant Agarwal
Co-CEO, CFO & Whole-Time Director0.9yrsno datano data
Mayur Modi
Co-CEO, COO & Whole-Time Director1.3yrs₹966.62kno data
Govind Gupta
Non Executive Director1.3yrsno datano data
Deepak Aggarwal
Non Executive Director1.3yrsno datano data
Ratna Vishwanathan
Non-Executive Independent Director1.1yrs₹40.00kno data
Uma Paliwal
Independent Chairman of the Board0.5yrs₹40.00kno data

1.3yrs

Average Tenure

56yo

Average Age

Experienced Board: 538446's board of directors are not considered experienced ( 1.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 13.8%.


Top Shareholders

Company Information

Moneyboxx Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Moneyboxx Finance Limited
  • Ticker: 538446
  • Exchange: BSE
  • Founded: 1994
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹1.400b
  • Shares outstanding: 18.42m
  • Website: https://www.moneyboxxfinance.com

Number of Employees


Location

  • Moneyboxx Finance Limited
  • Wing A-906
  • Kanakia Wall Street
  • Mumbai
  • Maharashtra
  • 400093
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
538446BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2014

Biography

Moneyboxx Finance Limited operates as a non-banking financial company in India. The company offers consumer loans, including retailer finance and salaried personal loans; loans to small and medium-sized enterprises; and commercial lending and value-added services. It also provides hypothecation and mortgage loans; and trades in securities. The company was formerly known as Dhanuka Commercial Limited and changed its name to Moneyboxx Finance Limited in January 2019. The company was incorporated in 1994 and is based in Mumbai, India. Moneyboxx Finance Limited is a subsidiary of Moneyboxx Capital Private Limited. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/27 13:31
End of Day Share Price2020/02/27 00:00
Earnings2019/12/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.