Moneyboxx Finance Limited (MONEYBOXX) has reported a significant financial performance for Q2 FY27, marking an inflection point for the company. The pre-provision operating profit rose 79% year-on-year and more than fourfold over the previous quarter, driven by a 28% sequential increase in net interest and fee income while costs stayed broadly flat.

Key Financial Highlights

The key financial highlights for Q2 FY27 include:

Net Interest & Fee Income: Increased by 28% QoQ and 16% YoY to ₹39.64 crore.

Pre-Provision Operating Profit: Rose to ₹9.97 crore, up 79% YoY and more than 4x QoQ (Q1 FY27: ₹2.44 crore).

Profit After Tax: Increased to ₹0.90 crore, up 3.2x YoY (Q2 FY26: ₹0.28 crore) and 4.3x QoQ (Q1 FY27: ₹0.21 crore).

Business Momentum

The company has seen a robust increase in disbursements, with monthly disbursements doubling in two months from ₹25 crore in August to over ₹50 crore in October 2026. This growth is led by Moneyboxx’s 148-branch network, where productivity is rising as branches mature (average vintage now 40 months), with partnerships and new products beginning to contribute.

Asset Quality and Borrower Profile

Moneyboxx has strengthened underwriting, improved collections, and resolved stressed assets. As of September 30, 2026, 90+ PAR stood at 2.56% compared with 6.25% at March 31, 2026, and 30+ PAR improved to 6.64% from 8.40%. On-book Gross NPA declined to 0.01% from 3.59%, reflecting the ARC portfolio transaction along with stronger collection and recovery efforts. Borrower quality continues to improve: about 67% of AUM is now from customers with bureau scores of 650 and above, and the share of 750+ customers has risen to 19% from 3% in FY24.

The in-house loan origination system, Moneyboxx ONE (live since May 2026), together with AI-supported underwriting and the MBCollect mobile collections app, supports faster decisions and tighter portfolio monitoring.

Outlook

Moneyboxx enters H2 FY27 with renewed momentum, a better-quality portfolio, and a stronger platform. Its priorities are: sustained disbursement growth, as branch productivity rises and partnerships scale; better yields, through unsecured lending; and keeping credit costs under control to convert scale into stronger profitability.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Moneyboxx Finance Limited

Moneyboxx Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Moneyboxx falls 17.2% over three months and has not found a floor yet. Razor-thin margins below 5% make profitability extremely vulnerable — this business needs scale or pricing power urgently. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. Sellers drive 1.9x the volume of buyers. Furthermore, they controlled 14 of recent sessions versus 16 for buyers — a clear distribution signal. Revenue grows at 59.7% yet the PEG reaches 99.00 — expensive for that growth. Furthermore, the stock drops 17.2% in three months. Neither value nor momentum supports this setup. It needs an earnings beat or a price reset first. Check Fundamentals of Moneyboxx Finance Limited.

Ugro Capital Limited (NSE: UGROCAP), the DataTech lender to India’s small businesses, today reported the strongest lending quarter in its history. UGRO disbursed more than INR 1,000 crore of loans in every month of this quarter, profit after tax rose 17% year on year, and its two growth engines account for half of its INR 15,019 crore loan book, only nine months after the Company announced a strategic reset of its business.

Record Lending

UGRO lent INR 3,159 crore in Q2’FY27, up 77% from a year ago and 24% from the previous quarter, crossing INR 1,000 crore in each of July, August, and September. First-half disbursement rose 69% to INR 5,710 crore. The loan book grew 23% year on year to INR 15,019 crore.

Profit Up, Costs Down

Profit before tax rose 12% year on year to INR 68.3 crore and profit after tax rose 17% year on year to INR 50.7 crore. For the half year, profit after tax rose 53% to INR 118.6 crore. Quarterly operating cost has been cut by 38% in two quarters, from INR 205 crore to INR 127 crore, while portfolio yield rose 108 basis points to 18.7%.

The Big Shift

Nine months into its strategic reset, UGRO’s growth engines are now more than half the business. The reset is ahead of plan. The two growth engines have risen from 32% to 53% of the loan book, the lower-yielding book has shrunk by about a third, operating cost is down 38%, and portfolio yield is up.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Ugro Capital Limited

Ugro Capital Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Ugro drops 15.4% over three months and trades near its 52-week lows. The PEG of 0.09 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Premium net margins of 24.0% demonstrate strong cost discipline and a wide competitive moat. The stock sits at 3% of its 52-week range, close to annual lows. Historically, value investors build positions at these levels — though cheap stocks can stay cheap. Revenue grows at 42.4% and profits at 63.8% CAGR, with D/E of 0.00. Meanwhile, the stock dips 15.4% in three months without any fundamental deterioration. Consequently, the stock quietly becomes cheaper relative to earnings power. For long-term investors, that is a feature. Check Fundamentals of Ugro Capital Limited.

Arman Financial Services Limited (NSE: ARMANFIN) has announced its financial results for Q1 FY27, showcasing a robust performance with a 22% increase in Profit After Tax (PAT) and a total income of ₹436 Crore, marking a significant milestone for the company.

Key Financial Highlights

The company’s total income for the quarter stood at ₹436 Crore, reflecting a year-on-year growth of 40.7%. The Profit Before Tax (PBT) also saw a substantial rise, contributing to the overall profitability. Notably, the Profit After Tax (PAT) surged by 22%, highlighting the company’s efficient cost management and strong revenue generation capabilities.

Asset Management and Disbursement

Arman Financial Services Limited has demonstrated impressive growth in its Assets Under Management (AUM), which increased by 50.6% year-on-year to ₹3,209 Crore. The disbursements also grew significantly, reaching ₹1,505 Crore, up by 74.1% compared to the same period last year. This growth is indicative of the company’s expanding reach and its ability to cater to the increasing demand for financial services.

Customer Base and Collection Efficiency

The active customer base of Arman Financial Services Limited currently stands at approximately 6.4 lakhs, reflecting the company’s extensive geographical presence and customer trust. The collection efficiency rate is at an impressive 96.6%, showcasing the company’s effective collection practices.

As Arman Financial Services Limited continues to expand its operations and diversify its product offerings, it remains well-positioned to capitalize on the growing opportunities in the financial services sector.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Arman Financial Services Limited

Arman Financial Services Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Arman falls 21.6% over three months and has not found a floor yet. Industry-leading margins of 30.8% reflect exceptional pricing power and operational efficiency. No meaningful dividend — total return is entirely dependent on capital appreciation. RSI stands at 21, well into oversold territory. Yet sellers still dominated on 19 of recent sessions versus 11 for buyers, so the pressure has not fully lifted. Revenue grows at 14.7% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of Arman Financial Services Limited.