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INVESTMENT INSIGHTS

Check Before You Invest : Money Masters Leasing & Finance Ltd

BSE: 535910 NSE: ISIN: INE340O01021
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Money Masters Leasing & Finance Ltd belong to?
Money Masters Leasing & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Money Masters Leasing & Finance Ltd a good quality company?
Money Masters Leasing & Finance Ltd is a quality company, based on a 10-year financial track record.
Q.3 Is Money Masters Leasing & Finance Ltd undervalued or overvalued?
Money Masters Leasing & Finance Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is Money Masters Leasing & Finance Ltd a good buy now?
Money Masters Leasing & Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Operating Income growth is 3.38% for FY-2025, which is above its 5-year CAGR of -2.51%, indicating faster growth.
Q.2 Return on Assets of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Return on Asset is 1.7%, which is below its 5-year historical median of 1.8%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM% 23.91 21.57
PPOP% -1.33 -1.33
RoA% 1.7 1.8
Q.3 Return on Equity (ROE) of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Return on Equity is 4% for FY-2025, which is in line with its 5-year historical median of 4%, indicating the business is making similar use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -1.33% for FY-2025, which is in line with its 5-year median(-1.33%), indicating stable margins.
Q.5 Net Profit Margin of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 23.91% for FY-2025, which is above its 5-year median( 21.57%), indicating increasing margins.
Q.6 Total Asset growth of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Total Asset growth is 2.24% for FY-2025, which is below its 5-year CAGR of 5.83%, indicating slower growth.
Q.7 Capital Adequacy ratio of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Capital Adequacy ratio (CAR) is 59.2% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.
Q.8 Asset Quality of Money Masters Leasing & Finance Ltd?
Money Masters Leasing & Finance Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 2.3% for FY-2025, which is below its 5-year median 2.48%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 0.69% which is below its 5-year median( 1.21%), indicating improving asset quality.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Money Masters Leasing & Finance Ltd?
Promoters hold 34.65% of the Money Masters Leasing & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Money Masters Leasing & Finance Ltd vs Industry Peers?
Money Masters Leasing & Finance Ltd AUM CAGR is 5.83%, compared to the 5-year industry median CAGR of 9.9%, indicating slower growth and losing its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of Money Masters Leasing & Finance Ltd vs industry peers
Money Masters Leasing & Finance Ltd profit metrics are in line with the industry median level of 7.19%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 23.91 15.95
PPOP% -1.33 4.17
RoA% 1.7 1.45
Q.3 Operating efficiency of Money Masters Leasing & Finance Ltd vs industry peers?
Money Masters Leasing & Finance Ltd ROCE (5.8) is above the industry median of (4.4); while the current ROE (4) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 23.91 15.95
PPOP% -1.33 4.17
RoA% 1.7 1.45
ROCE% 4.4 4.4
ROE% 4 2.7

Valuation & price assessment

Q.1 Stock return of Money Masters Leasing & Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 5.2% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 5.2% 15.9% -29.5% -37.6%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 12.49 34.08 28.96
Price to Book 0.62 1.48 1.11
Price to Sales 4.24 8.16 9.10
EV to EBITDA 30.93 37.68 11.77
Q.4 Valuation ratios of Money Masters Leasing & Finance Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 0.62% is lower than its historical median of 1.48%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
Money Masters Leasing & Finance Ltd return on invested capital (ROIC) is 3.21% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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