Moneyboxx Finance Q3 FY26 Earnings Call Transcript Released
Moneyboxx Finance Limited released its Q3 FY26 earnings call transcript. The company reported AUM of ₹878 crore, with secured loans forming 60% of the book. Total income rose 5.6% to ₹54.7 crore, and PAT grew 77.6% to ₹0.35 crore. GNPA reduced to 1.43%. An equity raise of ₹43.3 crore is approved to support AUM growth to ₹1,500 crore by FY27.
The release of an earnings call transcript provides detailed insights into the company's performance and future outlook, which is crucial for investors. It confirms ongoing strategic initiatives and financial performance, impacting investment decisions.
The announcement is a transcript of an earnings call, which is a routine disclosure. While the company discussed positive developments like improved asset quality and strategic shifts, the overall sentiment is neutral as it's a factual release of information rather than a new, impactful announcement.
Moneyboxx Finance Limited has released the transcript of its Investor Earnings Conference Call held on February 13, 2026, pertaining to the financial results for the quarter ended December 31, 2025.
The call featured management discussions on the company's performance, strategic pivot towards a stronger business model, and the broader economic environment in India. Key performance indicators highlighted included an Assets Under Management (AUM) of ₹878 crore as of December 2025, representing a 5% year-on-year growth. Excluding ARC transactions, the underlying AUM growth was 17%. The company noted a significant improvement in its loan book composition, with secured loans now forming 60% of the AUM, up from 38% a year ago, with a target to reach approximately 80% secured AUM by March 2027.
Disbursements in the first 9 months of FY '26 were 67% secured, compared to 44% in the previous year. The focus has shifted towards better quality borrowers and higher ticket sizes, with 71% of customers having bureau scores above 650. Total income for Q3 FY '26 grew 5.6% year-on-year to ₹54.7 crore. Net interest margin moderated to 14% from 16.6% due to the strategic shift to secured lending. Profit after tax grew 77.6% to ₹0.35 crore.
Asset quality saw marked improvement, with Gross Non-Performing Assets (GNPA) reducing to 1.43% from 5.6% year-on-year, and Net Non-Performing Assets (NNPA) declining to 0.72% from 2.88%. Credit costs moderated to 2.07% from 4.7% year-on-year, with collection efficiency remaining strong at around 94% and improving resolution trends. Operating expenses are expected to trend below 10% of average AUM over the next two years.
The company has strengthened its funding profile, working with 31 lenders and raising ₹302 crore through NCDs in calendar year 2025. The average cost of funds reduced to 12.7%, with marginal cost of funding at 11.8%. The capital adequacy ratio stands at 26.68%. An equity raise of ₹43.3 crore has been approved to reinforce the balance sheet and support growth.
Technology remains a differentiator, with the proprietary Cattle AI application enhancing underwriting precision and field productivity. The company also highlighted global partnerships with Rabo Foundation, Gates Foundation, Water.org, and Shell Foundation, which provide first and second loss fee guarantees for its unsecured portfolio.
Management expressed confidence in the transition towards a predominantly secured MSME portfolio, expecting sustainable and profitable growth. They anticipate ROA of 4% to 5% and aim to reach ₹1,500 crore in AUM by the next fiscal year. The company also expects to receive the ₹43.3 crore equity infusion within the next 15 days.
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Moneyboxx Finance Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Moneyboxx Finance Limited. Read the original for the full detail.