Money Masters (535910)

FairStock Score: 25/100 — RISKY

Score breakdown: P/E: 2/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

Strengths

• Reported P/E of 12.28 and PEG of 0.04 look optically cheap if the earnings base can ever be explained.
• Piotroski F-Score of 7/9 suggests the company is not showing severe balance-sheet deterioration by that metric.
• The NSE/BSE listing provides transparency and liquidity, although it does not make the business sound.
• No debt/equity data disclosed, so leverage cannot be confirmed as high from the given numbers.

Concerns

• Latest quarter revenue of ₹1 Cr and net profit of ₹0 Cr are irreconcilable with a ₹1,899 Cr market cap.
• P/B of 124.47 against book value ₹1.52 provides no asset-backing margin of safety.
• ROE of 4.31% and ROCE of 4.42% are far below what a quality NBFC should deliver.
• 52-week range of ₹0.55 to ₹189.20 and zero dividend indicate extreme speculation rather than investment.

AI Analysis

Let me look at the scoreboard first. Money Masters trades at ₹189.20, giving a market capitalisation of ₹1,899 Crore. The latest quarter, however, reports sales of only ₹1 Crore and net profit of ₹0 Crore. That is not a going concern in any Graham sense; it is a certificate of expectations. At 124.47 times book value, with book value of just ₹1.52 per share, I have no margin of safety. The stated asset value is irrelevant if you are paying one hundred and twenty-four rupees for one rupee of book value. The returns on capital are also ordinary: ROE of 4.31% and ROCE of 4.42%. For an NBFC, this does not show a moat or pricing power. It barely earns a return and gives no dividend. When a company produces no dividend and no meaningful revenue, the only possible source of return is the next buyer. That is speculation, not investment. I notice the 52-week range is ₹0.55 to ₹189.20. That kind of move is not slow compounding; it is a market story. The reported P/E of 12.28 and PEG of 0.04 are tempting, but they are built on earnings power that does not show up in the latest quarter. With zero sales growth and zero profit growth, I would trust a FairStock Score of 25/100 over a PEG ratio. The Piotroski F-Score of 7/9 is respectable, but an accounting checklist cannot create ₹1,899 Crore of value from ₹1 Crore of quarterly sales. I do not understand this business, and I do not need to be clever. When numbers do not agree with the price, I pass. A margin of safety means paying a sensible price for demonstrable earnings. Here, I cannot find the profit.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer