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Check Before You Invest : My Money Securities Ltd

BSE: 538862 NSE: ISIN: INE232L01018
  |   Sector:  BFSI   |   Industry:  Finance - Stock Broking

Snapshot

Q.1 Which industry/sub-sector does My Money Securities Ltd belong to?
My Money Securities Ltd belongs to the BFSI sector, operating specifically within the Finance - Stock Broking segment.
Q.2 Is My Money Securities Ltd a good quality company?
My Money Securities Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

Q.3 Is My Money Securities Ltd undervalued or overvalued?
My Money Securities Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 15.27 16.17
Price to Book 2.09 1.49
Price to Sales 134.72 15.89
EV to EBITDA 13.49 17.76
Q.4 Is My Money Securities Ltd a good buy now?
My Money Securities 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

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

A: What are the trends in revenue and profit margins?

Q.1 Revenue growth of My Money Securities Ltd?
My Money Securities Ltd revenue growth is 362.6% for FY-2025, which is above its 5-year CAGR of 125.91%, indicating faster growth.

Q.2 Gross Profit margin of My Money Securities Ltd?
My Money Securities Ltd Gross profit margin which is the profit after deduction of direct costs, is 71.9% for FY-2025, which is above its 5-year median of 56.3%, indicating increasing margins.

Q.3 Operating Profit Margin of My Money Securities Ltd?
My Money Securities Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 91.13% for FY-2025, which is above its 5-year median of 47.07% indicating increasing margins.

Q.4 Net Profit Margin of My Money Securities Ltd?
My Money Securities Ltd Net Profit Margin is 46.86% for FY-2025, is in line with its 5-year median of 46.86%, indicating stable margins.
Current Level 5-year
Historic Median
Gross Profit Margin (%) 71.9 56.3
Operating Profit Margin (%) 91.13 47.07
Net Profit Margin (%) 46.86 46.86

B: Does the business utilize capital efficiently?

Q.5 Return on Asset of My Money Securities Ltd?
My Money Securities Ltd Return on Asset is 25%, which is above its 5-year historical median of 6.6%, indicating improved asset utilization efficiency.

Q.6 Return on capital employed (ROCE) of My Money Securities Ltd?
My Money Securities Ltd Return on capital employed is 44% for FY-2025, which is above its 5-year historical median of 8.3%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Q.7 Return on Equity (ROE) of My Money Securities Ltd?
My Money Securities Ltd Return on equity is 29.8% for FY-2025, which is above its 5-year historical median of 8.2%, indicating the business is making better use of its shareholders capital.

Q.8 Cash conversion cycle of My Money Securities Ltd?
My Money Securities Ltd Cash conversion cycle is -214 days, below its 5-year historical median of 601 days, indicating improved working capital management. However, you need to compare this with its peers in the industry.
Current Level 5-year
Historic Median
Asset Turnover (x) 0.53 0.13
ROE (%) 29.8 8.2
ROCE (%) 44 8.3
Cash Conversion Cycle -214 days 601 days

C: How much debt does the business have and is it at a sustainable level?

Q.9 Debt to Equity ratio of My Money Securities Ltd?
My Money Securities Ltd Debt-to-Equity ratio is 0.02, which is lower the industry average of 0.05, indicating lower debt levels in the industry.

Q.10 Debt to cash flow from operations of My Money Securities Ltd?
My Money Securities Ltd Debt to cash flow from operations is 0.05, which is at a healthy level.

Ownership & governance

D: Promoter shareholding and pledge status of My Money Securities Ltd?

Q.1 Promoter shareholding and pledge status of My Money Securities Ltd?
Promoters hold 63.82% of the My Money Securities Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does My Money Securities Ltd performance compare with that of its Peers?

Q.1 Revenue growth of My Money Securities Ltd vs industry peers?
My Money Securities Ltd revenue CAGR is 125.91%, compared to the industry median CAGR of 12.08%, indicating faster growth and gaining its market share.
Profit Metrics
Current Level 5-year
Industry Median
Revenue Growth (%) 362.6 12.1
Gross Profit Growth (%) 366.1 20.8
Operating Profit Growth (%) 419.8 31.8
Net Profit Growth (%) 231.3 21.3
Operating Efficiency
Current Level 5-year
Industry Median
Asset Turnover (x) 0.53 0.26
ROE (%) 29.8 7.6
ROCE (%) 44 10.2
Cash Conversion Cycle (days) -214.3 -82

Valuation & price assessment

Q.1 Stock return of My Money Securities Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 2% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR
2% 10.3% 51.9% -11.3%
Q.2 Valuation ratios of My Money Securities Ltd vs historical?
The current P/E ratio of 15.27 is lower than its historical median of 16.17, indicating that the stock is trading below its historical average valuation.
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 15.27 16.17 19.96
Price to Book 2.09 1.49 1.64
Price to Sales 134.72 15.89 5.31
EV to EBITDA 13.49 17.76 6.93

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