Stock Performance Overview
On 31 Dec 2025, Money Masters Leasing & Finance Ltd’s share price touched an all-time low of Rs.0.71, a steep fall from its 52-week high of Rs.8.62. This represents a year-to-date decline of approximately 90.94%, a stark contrast to the Sensex’s positive performance of 8.72% over the same period. Despite the broader market’s upward momentum, with the Sensex trading 1.42% below its 52-week high and small caps leading gains, Money Masters has underperformed significantly.
The stock’s day change was recorded at +1.37%, outperforming its sector by 0.6% on the day, yet it remains well below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This persistent weakness in price action highlights ongoing pressures on the company’s valuation.
Financial Metrics and Fundamental Assessment
Money Masters Leasing & Finance Ltd’s financial health continues to reflect subdued growth and profitability concerns. The company reported flat quarterly results for September 2025, with PBDIT (Profit Before Depreciation, Interest and Taxes) at a low of Rs. -0.04 crore and PBT (Profit Before Tax) excluding other income at Rs. -0.05 crore. Earnings per share (EPS) for the quarter stood at a negligible Rs. -0.00, indicating minimal earnings generation.
Net sales have declined at an annual rate of -4.20%, signalling contraction in core business activities. The company’s return on equity (ROE) remains modest at 2.2%, which, while low, is accompanied by a price-to-book value ratio of 0.5, suggesting the stock is trading at a discount relative to its book value. The PEG ratio of 0.6 further indicates that the stock’s price is low compared to its earnings growth rate, albeit the growth itself is negative.
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Market Context and Sector Comparison
While Money Masters Leasing & Finance Ltd has struggled, the broader NBFC sector and market indices have shown resilience. The Sensex opened 118.50 points higher on the day, trading at 84,954.45, supported by bullish moving averages with the 50-day DMA above the 200-day DMA. The BSE Small Cap index gained 0.91%, leading market advances, underscoring a divergence between Money Masters and its peers.
The company’s market capitalisation grade stands at 4, reflecting its relatively small size within the sector. Majority shareholding is held by non-institutional investors, which may contribute to the stock’s volatility and price sensitivity.
Rating and Mojo Score Analysis
MarketsMOJO assigns Money Masters Leasing & Finance Ltd a Mojo Score of 26.0, categorising it as a Strong Sell. This rating was upgraded from a Sell on 21 Oct 2024, reflecting deteriorating fundamentals and weak long-term growth prospects. The company’s weak long-term fundamental strength is underscored by operating losses and declining net sales, factors that weigh heavily on its overall assessment.
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Valuation and Discount to Peers
Despite the subdued financial performance, Money Masters Leasing & Finance Ltd’s valuation metrics indicate it is trading at a discount relative to its peers’ historical averages. The price-to-book ratio of 0.5 is notably lower than typical sector valuations, which may reflect market concerns about the company’s growth trajectory and profitability. The PEG ratio of 0.6, while low, is influenced by the negative growth in net sales and earnings.
The stock’s discounted valuation is consistent with its Strong Sell rating and low Mojo Score, signalling that the market continues to price in significant risks associated with the company’s financial health and future prospects.
Summary of Key Financial Indicators
To summarise, Money Masters Leasing & Finance Ltd’s key financial indicators as of the latest quarter include:
- Net Sales growth: -4.20% annually
- PBDIT (Quarterly): Rs. -0.04 crore
- PBT excluding other income (Quarterly): Rs. -0.05 crore
- EPS (Quarterly): Rs. -0.00
- Return on Equity (ROE): 2.2%
- Price to Book Value: 0.5
- PEG Ratio: 0.6
- Mojo Score: 26.0 (Strong Sell)
These figures illustrate the company’s current financial position and market valuation, which have contributed to the recent stock price decline to its 52-week low.
Conclusion
Money Masters Leasing & Finance Ltd’s stock reaching Rs.0.71 marks a significant low point in its recent trading history. The company’s financial results, including flat quarterly earnings and declining sales, alongside a weak long-term fundamental outlook, have weighed on investor sentiment. While the broader market and NBFC sector have shown positive momentum, Money Masters remains under pressure, reflected in its Strong Sell rating and discounted valuation metrics. The stock’s performance over the past year highlights the challenges faced by the company within a competitive and evolving financial services landscape.
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