Share Price and Basic Stock Data
Last Updated: February 12, 2026, 10:21 pm
| PEG Ratio | 1.09 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Galada Finance Ltd, classified as a Non-Banking Financial Company (NBFC), has shown fluctuating revenue trends over recent quarters. In the quarter ending December 2022, the company reported revenues of ₹0.22 Cr, which increased to ₹0.29 Cr by March 2023. However, revenues dipped to ₹0.21 Cr in June 2023, before rebounding to ₹0.28 Cr in September 2023. The upward trajectory resumed in December 2023, with revenues rising to ₹0.37 Cr and reaching ₹0.48 Cr by March 2024. The total revenue for the trailing twelve months (TTM) stood at ₹2.07 Cr, indicating a recovery from previous lower figures. This revenue performance reflects the company’s ability to navigate market challenges and adapt to changing economic conditions. However, the inconsistency in quarterly revenue could raise questions about the sustainability of growth. Overall, Galada Finance’s revenue trends highlight a company in transition, striving for stability in a competitive financial landscape.
Profitability and Efficiency Metrics
Galada Finance’s profitability metrics present a mixed picture. The company reported a net profit of ₹0.29 Cr, resulting in a price-to-earnings (P/E) ratio of 26.7. The return on equity (ROE) was recorded at 4.42%, while the return on capital employed (ROCE) stood at 7.64%. These figures are relatively low compared to industry standards, suggesting that while the company generates profits, it may not be utilizing its equity and capital effectively. The interest coverage ratio (ICR) of 1.92x indicates that the company can cover its interest expenses comfortably, but it remains below the ideal ratio of 2.0x often cited as a healthy benchmark. Furthermore, the operating profit margin (OPM) is not applicable, reflecting potential inefficiencies in the operational structure. Overall, while Galada Finance demonstrates the ability to generate profits, its efficiency and profitability metrics suggest room for improvement in capital utilization and operational management.
Balance Sheet Strength and Financial Ratios
Galada Finance’s balance sheet reveals a cautious approach to leveraging, with total borrowings reported as ₹6.60 Cr as of March 2025. The company’s reserves have increased to ₹2.89 Cr, indicating a gradual build-up of retained earnings. The current ratio stood at 1.74, suggesting that the company can meet its short-term liabilities comfortably, while the quick ratio mirrors this strength. However, the total debt-to-equity ratio of 1.14x raises concerns, as it indicates a reliance on debt financing that may not align with the conservative nature typical of NBFCs. The book value per share has increased to ₹19.26, reflecting an improving asset base. Furthermore, the enterprise value of ₹12.07 Cr in relation to net operating revenue at 6.96x suggests that the market may be pricing the stock at a premium. Thus, while Galada Finance maintains a solid reserve position, its reliance on debt financing presents a potential risk in a rising interest rate environment.
Shareholding Pattern and Investor Confidence
Investor confidence in Galada Finance appears stable, as indicated by the shareholding pattern. Promoters hold a substantial 63.93% stake, which has remained unchanged across several quarters, reflecting confidence in the company’s direction. The public shareholding is 36.07%, showing a diversified ownership structure among retail investors. Notably, the number of shareholders has risen from 719 in March 2023 to 971 by December 2025, indicating growing interest and possibly improved market sentiment towards the company. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could be a concern, as institutional backing often lends credibility and stability to a stock. The lack of institutional investment may limit liquidity and could potentially deter larger investors from engaging with the company. Overall, while the promoter’s strong position may assure stability, the lack of institutional investment raises questions about broader market confidence in Galada Finance’s growth prospects.
Outlook, Risks, and Final Insight
The outlook for Galada Finance hinges on its ability to maintain revenue growth and improve profitability metrics. Key strengths include a strong promoter holding, a manageable debt level, and a solid reserve position, which provide a foundation for future growth. However, risks such as fluctuating revenue, low ROE, and the absence of institutional investors could impede its growth trajectory. The company’s operational inefficiencies, reflected in the low OPM and fluctuating financing margins, highlight the need for strategic operational improvements. If Galada Finance can enhance its capital efficiency and attract institutional interest, it may unlock significant value for shareholders. Conversely, any economic downturn or rise in interest rates could challenge its financial stability. Therefore, while the company has potential, its future performance will depend on effective management of these risks and the ability to leverage its strengths for sustainable growth.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.3 Cr. | 1.33 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.72 Cr. | 0.67 | 3.69/0.58 | 19.8 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 402 Cr. | 61.4 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.7 Cr. | 16.0 | 24.7/14.8 | 12.2 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.8 Cr. | 61.7 | 138/57.6 | 15.0 | 238 | 1.62 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,422.45 Cr | 395.61 | 74.77 | 514.71 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.22 | 0.29 | 0.21 | 0.28 | 0.37 | 0.48 | 0.37 | 0.37 | 0.38 | 0.54 | 0.53 | 0.62 | 0.70 |
| Interest | 0.07 | 0.06 | 0.07 | 0.09 | 0.12 | 0.13 | 0.14 | 0.13 | 0.14 | 0.15 | 0.24 | 0.23 | 0.28 |
| Expenses | 0.06 | 0.13 | 0.12 | 0.15 | 0.13 | 0.06 | 0.15 | 0.15 | 0.14 | 0.17 | 0.21 | 0.27 | 0.27 |
| Financing Profit | 0.09 | 0.10 | 0.02 | 0.04 | 0.12 | 0.29 | 0.08 | 0.09 | 0.10 | 0.22 | 0.08 | 0.12 | 0.15 |
| Financing Margin % | 40.91% | 34.48% | 9.52% | 14.29% | 32.43% | 60.42% | 21.62% | 24.32% | 26.32% | 40.74% | 15.09% | 19.35% | 21.43% |
| Other Income | 0.00 | 0.03 | 0.01 | 0.09 | 0.02 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 |
| Depreciation | 0.01 | 0.02 | 0.02 | 0.04 | 0.07 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Profit before tax | 0.08 | 0.11 | 0.01 | 0.09 | 0.07 | 0.22 | 0.04 | 0.05 | 0.05 | 0.17 | 0.05 | 0.09 | 0.13 |
| Tax % | 25.00% | 18.18% | 0.00% | 0.00% | 42.86% | 13.64% | 25.00% | 20.00% | 20.00% | 11.76% | 20.00% | 22.22% | 23.08% |
| Net Profit | 0.06 | 0.08 | 0.01 | 0.09 | 0.04 | 0.20 | 0.03 | 0.04 | 0.03 | 0.15 | 0.04 | 0.07 | 0.10 |
| EPS in Rs | 0.20 | 0.27 | 0.03 | 0.30 | 0.13 | 0.67 | 0.10 | 0.13 | 0.10 | 0.50 | 0.13 | 0.23 | 0.33 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 9:46 pm
Below is a detailed analysis of the quarterly data for Galada Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 0.28 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.23 Cr. (Sep 2025) to 0.28 Cr., marking an increase of 0.05 Cr..
- For Expenses, as of Dec 2025, the value is 0.27 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.27 Cr..
- For Other Income, as of Dec 2025, the value is 0.02 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Sep 2025) to 0.02 Cr., marking an increase of 0.01 Cr..
- For Depreciation, as of Dec 2025, the value is 0.04 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.04 Cr..
- For Profit before tax, as of Dec 2025, the value is 0.13 Cr.. The value appears strong and on an upward trend. It has increased from 0.09 Cr. (Sep 2025) to 0.13 Cr., marking an increase of 0.04 Cr..
- For Tax %, as of Dec 2025, the value is 23.08%. The value appears to be increasing, which may not be favorable. It has increased from 22.22% (Sep 2025) to 23.08%, marking an increase of 0.86%.
- For Net Profit, as of Dec 2025, the value is 0.10 Cr.. The value appears strong and on an upward trend. It has increased from 0.07 Cr. (Sep 2025) to 0.10 Cr., marking an increase of 0.03 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.33. The value appears strong and on an upward trend. It has increased from 0.23 (Sep 2025) to 0.33, marking an increase of 0.10.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:42 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.17 | 1.79 | 1.54 | 1.74 | 1.64 | 1.27 | 0.97 | 0.91 | 1.06 | 0.91 | 1.37 | 1.66 | 2.07 |
| Expenses | 0.64 | 0.78 | 0.73 | 0.83 | 0.85 | 0.87 | 1.16 | 0.51 | 0.78 | 0.53 | 0.45 | 0.61 | 0.79 |
| Operating Profit | 0.53 | 1.01 | 0.81 | 0.91 | 0.79 | 0.40 | -0.19 | 0.40 | 0.28 | 0.38 | 0.92 | 1.05 | 1.28 |
| OPM % | 45.30% | 56.42% | 52.60% | 52.30% | 48.17% | 31.50% | -19.59% | 43.96% | 26.42% | 41.76% | 67.15% | 63.25% | 61.84% |
| Other Income | 0.42 | 0.02 | 0.00 | 0.02 | 0.02 | 0.00 | 0.02 | 0.00 | 0.01 | 0.03 | 0.08 | 0.01 | 0.02 |
| Interest | 0.49 | 0.45 | 0.40 | 0.46 | 0.48 | 0.44 | 0.41 | 0.37 | 0.47 | 0.30 | 0.41 | 0.55 | 0.76 |
| Depreciation | 0.23 | 0.13 | 0.10 | 0.16 | 0.16 | 0.13 | 0.09 | 0.07 | 0.05 | 0.05 | 0.19 | 0.21 | 0.18 |
| Profit before tax | 0.23 | 0.45 | 0.31 | 0.31 | 0.17 | -0.17 | -0.67 | -0.04 | -0.23 | 0.06 | 0.40 | 0.30 | 0.36 |
| Tax % | 43.48% | 15.56% | 29.03% | 22.58% | 23.53% | 17.65% | 2.99% | 100.00% | 21.74% | 66.67% | 15.00% | 16.67% | |
| Net Profit | 0.13 | 0.38 | 0.23 | 0.24 | 0.13 | -0.20 | -0.69 | -0.07 | -0.27 | 0.02 | 0.34 | 0.25 | 0.29 |
| EPS in Rs | 0.43 | 1.27 | 0.77 | 0.80 | 0.43 | -0.67 | -2.30 | -0.23 | -0.90 | 0.07 | 1.13 | 0.83 | 0.96 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 192.31% | -39.47% | 4.35% | -45.83% | -253.85% | -245.00% | 89.86% | -285.71% | 107.41% | 1600.00% | -26.47% |
| Change in YoY Net Profit Growth (%) | 0.00% | -231.78% | 43.82% | -50.18% | -208.01% | 8.85% | 334.86% | -375.57% | 393.12% | 1492.59% | -1626.47% |
Galada Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 11% |
| 3 Years: | 16% |
| TTM: | 21% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -4% |
| 5 Years: | 19% |
| 3 Years: | 43% |
| TTM: | -28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 24% |
| 3 Years: | 13% |
| 1 Year: | 71% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 1% |
| 3 Years: | 3% |
| Last Year: | 4% |
Last Updated: September 5, 2025, 3:31 pm
Balance Sheet
Last Updated: February 1, 2026, 2:50 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 |
| Reserves | 2.23 | 2.61 | 2.84 | 3.08 | 3.21 | 2.35 | 1.90 | 2.08 | 2.11 | 2.15 | 2.53 | 2.78 | 2.89 |
| Borrowing | 2.94 | 2.26 | 2.99 | 3.15 | 2.74 | 2.66 | 2.56 | 3.44 | 2.69 | 1.64 | 4.35 | 6.60 | 9.18 |
| Other Liabilities | 1.69 | 1.27 | 1.62 | 2.36 | 1.94 | 0.06 | 0.10 | 0.26 | 0.06 | 0.06 | 0.07 | 0.19 | 0.69 |
| Total Liabilities | 9.86 | 9.14 | 10.45 | 11.59 | 10.89 | 8.07 | 7.56 | 8.78 | 7.86 | 6.85 | 9.95 | 12.57 | 15.76 |
| Fixed Assets | 0.76 | 0.33 | 0.34 | 0.57 | 0.50 | 0.37 | 0.28 | 0.22 | 0.19 | 0.36 | 0.76 | 0.59 | 0.52 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1.52 | 1.55 | 1.62 | 1.78 | 2.22 | 1.25 | 0.19 | 0.62 | 0.26 | 0.10 | 0.11 | 0.08 | 0.06 |
| Other Assets | 7.58 | 7.26 | 8.49 | 9.24 | 8.17 | 6.45 | 7.09 | 7.94 | 7.41 | 6.39 | 9.08 | 11.90 | 15.18 |
| Total Assets | 9.86 | 9.14 | 10.45 | 11.59 | 10.89 | 8.07 | 7.56 | 8.78 | 7.86 | 6.85 | 9.95 | 12.57 | 15.76 |
Below is a detailed analysis of the balance sheet data for Galada Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 3.00 Cr..
- For Reserves, as of Sep 2025, the value is 2.89 Cr.. The value appears strong and on an upward trend. It has increased from 2.78 Cr. (Mar 2025) to 2.89 Cr., marking an increase of 0.11 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.69 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.19 Cr. (Mar 2025) to 0.69 Cr., marking an increase of 0.50 Cr..
- For Total Liabilities, as of Sep 2025, the value is 15.76 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.57 Cr. (Mar 2025) to 15.76 Cr., marking an increase of 3.19 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.52 Cr.. The value appears to be declining and may need further review. It has decreased from 0.59 Cr. (Mar 2025) to 0.52 Cr., marking a decrease of 0.07 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.06 Cr.. The value appears to be declining and may need further review. It has decreased from 0.08 Cr. (Mar 2025) to 0.06 Cr., marking a decrease of 0.02 Cr..
- For Other Assets, as of Sep 2025, the value is 15.18 Cr.. The value appears strong and on an upward trend. It has increased from 11.90 Cr. (Mar 2025) to 15.18 Cr., marking an increase of 3.28 Cr..
- For Total Assets, as of Sep 2025, the value is 15.76 Cr.. The value appears strong and on an upward trend. It has increased from 12.57 Cr. (Mar 2025) to 15.76 Cr., marking an increase of 3.19 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -2.41 | -1.25 | -2.18 | -2.24 | -1.95 | -2.26 | -2.75 | -3.04 | -2.41 | -1.26 | -3.43 | -5.55 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 1,185.47 | 856.42 | 1,047.60 | 834.89 | 843.51 | 175.31 | 237.06 | 160.44 | 185.94 | 240.66 | 141.20 | 112.14 |
| ROCE % | 7.48% | 11.10% | 8.50% | 8.31% | 6.93% | 3.18% | -3.62% | 4.13% | 2.94% | 4.52% | 8.76% | 7.64% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 0.83 | 1.13 | 0.08 | -0.90 | -0.24 |
| Diluted EPS (Rs.) | 0.83 | 1.13 | 0.08 | -0.90 | -0.24 |
| Cash EPS (Rs.) | 1.54 | 1.76 | 0.23 | -0.74 | -0.02 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 19.26 | 18.44 | 17.15 | 17.02 | 16.93 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 19.26 | 18.44 | 17.15 | 17.02 | 16.93 |
| Revenue From Operations / Share (Rs.) | 5.78 | 4.90 | 3.01 | 3.50 | 3.00 |
| PBDIT / Share (Rs.) | 3.54 | 3.34 | 1.35 | 0.94 | 1.31 |
| PBIT / Share (Rs.) | 2.84 | 2.70 | 1.19 | 0.79 | 1.09 |
| PBT / Share (Rs.) | 0.99 | 1.34 | 0.19 | -0.75 | -0.12 |
| Net Profit / Share (Rs.) | 0.83 | 1.13 | 0.08 | -0.90 | -0.24 |
| PBDIT Margin (%) | 61.33 | 68.11 | 44.82 | 27.15 | 43.76 |
| PBIT Margin (%) | 49.09 | 55.15 | 39.54 | 22.64 | 36.48 |
| PBT Margin (%) | 17.21 | 27.25 | 6.54 | -21.47 | -4.19 |
| Net Profit Margin (%) | 14.36 | 23.06 | 2.66 | -25.86 | -8.14 |
| Return on Networth / Equity (%) | 4.31 | 6.12 | 0.46 | -5.31 | -1.44 |
| Return on Capital Employeed (%) | 14.73 | 12.81 | 6.74 | 4.25 | 5.90 |
| Return On Assets (%) | 1.98 | 3.40 | 0.35 | -3.45 | -0.83 |
| Long Term Debt / Equity (X) | 0.00 | 0.14 | 0.03 | 0.09 | 0.09 |
| Total Debt / Equity (X) | 1.14 | 0.78 | 0.31 | 0.52 | 0.67 |
| Asset Turnover Ratio (%) | 0.15 | 0.17 | 0.12 | 0.12 | 0.11 |
| Current Ratio (X) | 1.74 | 2.49 | 4.09 | 3.30 | 2.58 |
| Quick Ratio (X) | 1.74 | 2.49 | 4.09 | 3.30 | 2.58 |
| Interest Coverage Ratio (X) | 1.92 | 2.44 | 1.36 | 0.61 | 1.08 |
| Interest Coverage Ratio (Post Tax) (X) | 1.45 | 1.83 | 1.08 | 0.41 | 0.79 |
| Enterprise Value (Cr.) | 12.07 | 8.64 | 4.12 | 7.56 | 6.46 |
| EV / Net Operating Revenue (X) | 6.96 | 5.88 | 4.56 | 7.21 | 7.19 |
| EV / EBITDA (X) | 11.35 | 8.63 | 10.18 | 26.54 | 16.42 |
| MarketCap / Net Operating Revenue (X) | 3.31 | 3.10 | 2.95 | 4.73 | 3.50 |
| Price / BV (X) | 0.99 | 0.82 | 0.51 | 0.97 | 0.62 |
| Price / Net Operating Revenue (X) | 3.31 | 3.10 | 2.95 | 4.73 | 3.50 |
| EarningsYield | 0.04 | 0.07 | 0.01 | -0.05 | -0.02 |
After reviewing the key financial ratios for Galada Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 5. It has decreased from 1.13 (Mar 24) to 0.83, marking a decrease of 0.30.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 5. It has decreased from 1.13 (Mar 24) to 0.83, marking a decrease of 0.30.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.54. This value is below the healthy minimum of 3. It has decreased from 1.76 (Mar 24) to 1.54, marking a decrease of 0.22.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 19.26. It has increased from 18.44 (Mar 24) to 19.26, marking an increase of 0.82.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 19.26. It has increased from 18.44 (Mar 24) to 19.26, marking an increase of 0.82.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 5.78. It has increased from 4.90 (Mar 24) to 5.78, marking an increase of 0.88.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 3.54. This value is within the healthy range. It has increased from 3.34 (Mar 24) to 3.54, marking an increase of 0.20.
- For PBIT / Share (Rs.), as of Mar 25, the value is 2.84. This value is within the healthy range. It has increased from 2.70 (Mar 24) to 2.84, marking an increase of 0.14.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.99. This value is within the healthy range. It has decreased from 1.34 (Mar 24) to 0.99, marking a decrease of 0.35.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.83. This value is below the healthy minimum of 2. It has decreased from 1.13 (Mar 24) to 0.83, marking a decrease of 0.30.
- For PBDIT Margin (%), as of Mar 25, the value is 61.33. This value is within the healthy range. It has decreased from 68.11 (Mar 24) to 61.33, marking a decrease of 6.78.
- For PBIT Margin (%), as of Mar 25, the value is 49.09. This value exceeds the healthy maximum of 20. It has decreased from 55.15 (Mar 24) to 49.09, marking a decrease of 6.06.
- For PBT Margin (%), as of Mar 25, the value is 17.21. This value is within the healthy range. It has decreased from 27.25 (Mar 24) to 17.21, marking a decrease of 10.04.
- For Net Profit Margin (%), as of Mar 25, the value is 14.36. This value exceeds the healthy maximum of 10. It has decreased from 23.06 (Mar 24) to 14.36, marking a decrease of 8.70.
- For Return on Networth / Equity (%), as of Mar 25, the value is 4.31. This value is below the healthy minimum of 15. It has decreased from 6.12 (Mar 24) to 4.31, marking a decrease of 1.81.
- For Return on Capital Employeed (%), as of Mar 25, the value is 14.73. This value is within the healthy range. It has increased from 12.81 (Mar 24) to 14.73, marking an increase of 1.92.
- For Return On Assets (%), as of Mar 25, the value is 1.98. This value is below the healthy minimum of 5. It has decreased from 3.40 (Mar 24) to 1.98, marking a decrease of 1.42.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.14 (Mar 24) to 0.00, marking a decrease of 0.14.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.14. This value exceeds the healthy maximum of 1. It has increased from 0.78 (Mar 24) to 1.14, marking an increase of 0.36.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.15. It has decreased from 0.17 (Mar 24) to 0.15, marking a decrease of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 1.74. This value is within the healthy range. It has decreased from 2.49 (Mar 24) to 1.74, marking a decrease of 0.75.
- For Quick Ratio (X), as of Mar 25, the value is 1.74. This value is within the healthy range. It has decreased from 2.49 (Mar 24) to 1.74, marking a decrease of 0.75.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.92. This value is below the healthy minimum of 3. It has decreased from 2.44 (Mar 24) to 1.92, marking a decrease of 0.52.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.45. This value is below the healthy minimum of 3. It has decreased from 1.83 (Mar 24) to 1.45, marking a decrease of 0.38.
- For Enterprise Value (Cr.), as of Mar 25, the value is 12.07. It has increased from 8.64 (Mar 24) to 12.07, marking an increase of 3.43.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.96. This value exceeds the healthy maximum of 3. It has increased from 5.88 (Mar 24) to 6.96, marking an increase of 1.08.
- For EV / EBITDA (X), as of Mar 25, the value is 11.35. This value is within the healthy range. It has increased from 8.63 (Mar 24) to 11.35, marking an increase of 2.72.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.31. This value exceeds the healthy maximum of 3. It has increased from 3.10 (Mar 24) to 3.31, marking an increase of 0.21.
- For Price / BV (X), as of Mar 25, the value is 0.99. This value is below the healthy minimum of 1. It has increased from 0.82 (Mar 24) to 0.99, marking an increase of 0.17.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.31. This value exceeds the healthy maximum of 3. It has increased from 3.10 (Mar 24) to 3.31, marking an increase of 0.21.
- For EarningsYield, as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has decreased from 0.07 (Mar 24) to 0.04, marking a decrease of 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Galada Finance Ltd:
- Net Profit Margin: 14.36%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 14.73% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 4.31% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.45
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.74
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 25.4 (Industry average Stock P/E: 74.77)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.14
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 14.36%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Shanti Sadan, Old No.4 (New No.7) Chennai (Madras) Tamil Nadu 600006 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Naveen Ashok Galada | Managing Director |
| Mr. Ponniah Bhaskaran | Director |
| Mr. Ashok Jawarilal Galada | Director |
| Mrs. Shyamala Thiagarajan | Director |
| Mr. Ramu Vishnu | Director |
FAQ
What is the intrinsic value of Galada Finance Ltd?
Galada Finance Ltd's intrinsic value (as of 12 February 2026) is ₹22.16 which is 27.11% lower the current market price of ₹30.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹9.13 Cr. market cap, FY2025-2026 high/low of ₹36.7/17.3, reserves of ₹2.89 Cr, and liabilities of ₹15.76 Cr.
What is the Market Cap of Galada Finance Ltd?
The Market Cap of Galada Finance Ltd is 9.13 Cr..
What is the current Stock Price of Galada Finance Ltd as on 12 February 2026?
The current stock price of Galada Finance Ltd as on 12 February 2026 is ₹30.4.
What is the High / Low of Galada Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Galada Finance Ltd stocks is ₹36.7/17.3.
What is the Stock P/E of Galada Finance Ltd?
The Stock P/E of Galada Finance Ltd is 25.4.
What is the Book Value of Galada Finance Ltd?
The Book Value of Galada Finance Ltd is 19.6.
What is the Dividend Yield of Galada Finance Ltd?
The Dividend Yield of Galada Finance Ltd is 0.00 %.
What is the ROCE of Galada Finance Ltd?
The ROCE of Galada Finance Ltd is 7.64 %.
What is the ROE of Galada Finance Ltd?
The ROE of Galada Finance Ltd is 4.42 %.
What is the Face Value of Galada Finance Ltd?
The Face Value of Galada Finance Ltd is 10.0.