My Money Securities Ltd. (MYMONEY.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-70.3%

₹12.16

vs ₹41.00 price

Levered DCF

-₹1.81

After debt service

Piotroski score

3 / 9

Weak

Altman Z-score

—

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	17.8×	6.34×	12.45×	59.25×	25.38×	334.69×	-11.22×	-15×
P/B	2.43×	1.64×	1.32×	0.9×	1.56×	1.99×	2.01×	1.7×
P/S	156.7×	2.97×	7.86×	16.42×	11.75×	38.75×	-23.21×	62.18×
EV / EBITDA	15.92×	3.5×	9.32×	49.88×	18.43×	132.21×	-11.05×	-13.61×
Gross margin	-83.0%	94.4%	85.8%	100.0%	100.0%	47.1%	137.3%	-13.3%
Operating margin	-261.0%	67.3%	73.9%	46.2%	68.1%	-35.1%	241.1%	-213.9%
Net margin	881.8%	46.9%	63.1%	28.0%	46.1%	11.6%	207.0%	-415.4%
Current ratio	20.39×	3.55×	7.75×	5.19×	6.37×	3.56×	3.16×	2.98×
Debt / equity	0.01×	0.02×	0.05×	0.1×	0.06×	0.15×	0.11×	0.13×
Interest coverage	-20.96×	205.72×	17.63×	5.86×	33.87×	-1.72×	-20.08×	-3.43×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	13.7%	25.9%	10.6%	1.5%	6.1%	0.6%	-17.9%	-11.4%
Return on invested capital	-4.0%	23.8%	11.1%	2.3%	7.9%	-1.6%	-18.5%	-4.4%
Return on assets	13.1%	21.0%	9.3%	1.3%	5.3%	0.5%	-13.3%	-8.4%
Free cash flow yield	-13.5%	30.5%	-12.5%	5.4%	-17.2%	-5.6%	2.6%	1.0%
Earnings yield	5.6%	15.8%	8.0%	1.7%	3.9%	0.3%	-8.9%	-6.7%
Enterprise value	₹707.6M	₹372.3M	₹224M	₹113.2M	₹197.6M	₹148.9M	₹140.5M	₹149.3M
Net debt / EBITDA	-0.9×	-0.6×	-1.47×	-18.18×	-3.74×	-14.28×	1.92×	1.43×
Cash conversion cycle (days)	7,914	2,982	7,331	7,920	6,505	3,937	216	5,398