Moneyview Limited reported a strong Q2 FY27 performance with PAT hitting Rs 201 crore, a 169% YoY increase. The fintech firm, which debuted on the bourses on October 1, 2026, also recorded Rs 23,892 crore in Assets Under Management, driven by a 42% rise in total income to Rs 1,146 crore.
Moneyview Reports Q2 FY27 Profit Surge
Total Income at Rs 1,146 Crore; Profit After Tax at Rs 201 Crore.
Reader Takeaway: Strong operational leverage and high collection efficiency drive profitability, though scale-up risks remain in lending.
What just happened
Moneyview Limited released its Q2 FY27 investor presentation, marking its first quarterly update following its October 2026 stock market listing. The company reported significant growth across key financial metrics, with Profit After Tax (PAT) climbing 169.1% year-on-year to Rs 201 crore. Total income grew by 42.4% to Rs 1,146 crore, supported by healthy loan disbursals of Rs 7,701 crore.
Why this matters
Investors are closely watching Moneyview's hybrid lending model to gauge its capital efficiency. The company manages Rs 23,892 crore in Assets Under Management (AUM), with 75% categorized as off-book. This structure has supported a robust Return on Equity (RoE) of 27.9%. Declining operating expenses—now 34.5% of total income—indicate the platform is achieving better scaling efficiencies as it grows.
Credit Quality
Despite rapid expansion, the company maintained stable asset quality. Gross Non-Performing Assets (GNPA) improved to 2.42%, down 23 basis points from the previous year. Collection efficiency remains high at 98.64%, suggesting the firm's risk-scoring models are effectively managing borrower stress.
NBFC Subsidiary Performance
The company’s subsidiary, Whizdm Finance Private Limited (WFPL), is a core component of this lending engine. It maintains a Capital to Risk Assets Ratio (CRAR) of 21.7% and a Liquidity Coverage Ratio (LCR) of 176.4%. Notably, the average cost of borrowing for the subsidiary dropped to 14.1% from 14.9% in the same quarter last year.
What to track next
The firm’s user base has reached 149 million registered users with 7.2 million active borrowers. Analysts will be monitoring whether the 'virtuous flywheel' model continues to drive repeat AUM, which currently stands at 64.5%. Maintaining these asset quality metrics while scaling the multi-product platform remains the key monitorable for shareholders.