Moneyboxx Fin. (MONEYBOXX)

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

Key Financials

Strengths

• Promoter holding of 46.79% aligns management interests with minority shareholders
• Piotroski F-Score of 7/9 suggests improving financial health
• ROCE of 8.65% indicates some capital efficiency despite negative ROE
• Latest quarter sales of ₹55 Cr show an operating business with meaningful scale
• Reported profit growth of 75% hints at early operating momentum

Concerns

• Latest quarter net profit is ₹0 Cr, making P/E meaningless at 0.00
• ROE is negative at -1.67%, so shareholder capital is not earning a return
• Debt/Equity of 2.46 is heavy for a lender that is not currently profitable
• Sales growth of just 5.57% and zero dividend yield limit downside protection

AI Analysis

At Berkshire, we like certainty of earnings. Moneyboxx Fin does not offer it. The price is ₹71.60, but the business earned effectively nothing in the latest quarter—net profit is ₹0 Cr on sales of ₹55 Cr. The P/E of 0.00 is not a value signal; it is an absence of earnings. I cannot value a company on hope. At ₹71.60, I am asked to pay 1.75 times book value of ₹40.98, yet the company's return on equity is negative at -1.67%. That is a poor trade: paying a premium for equity that is not earning a return. The 75% profit growth figure sounds impressive, but it is meaningless when the absolute profit is zero. Sales growth of only 5.57% does not suggest a fast-growing franchise. ROCE of 8.65% is okay, but with debt-to-equity of 2.46, leverage is doing the heavy lifting, and equity shareholders are left with nothing. There are some positives. The promoter holding of 46.79% aligns owners with investors, and a Piotroski score of 7/9 indicates improving fundamentals. But a good score on a mechanical checklist is not the same as earning power. This is a small NBFC in a competitive lending market; I see no durable moat. With no dividend, there is no reward for patience. This is not the kind of business Graham would call an investment. There may be a turnaround taking shape, but I need evidence in the form of real net profit, not just ratios. Until Moneyboxx can consistently generate positive ROE and prove its asset quality, prudent investors should watch from the sidelines.

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