Share Price and Basic Stock Data
Last Updated: January 1, 2026, 3:40 pm
| PEG Ratio | 1.43 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Galada Finance Ltd, a non-banking financial company (NBFC), reported a current share price of ₹32.40, with a market capitalization of ₹9.72 Cr. Over recent quarters, the company has shown fluctuating revenue trends. Sales stood at ₹0.20 Cr in September 2022 and gradually increased to ₹0.29 Cr by March 2023. A peak was recorded at ₹0.48 Cr in March 2024, followed by a slight decline to ₹0.37 Cr in June 2024. However, the latest figures for September 2024 and December 2024 suggest a recovery, with sales reaching ₹0.37 Cr and ₹0.38 Cr, respectively. The trailing twelve months (TTM) revenue is reported at ₹2.07 Cr, indicating a gradual recovery in operations. The operating profit margin (OPM) reported at 56.45% in September 2025 reflects efficiency in managing operational costs amidst these revenue fluctuations, which is significantly higher than many peers in the NBFC sector, typically ranging between 20% to 30% according to industry standards.
Profitability and Efficiency Metrics
Galada Finance Ltd’s profitability metrics depict a mixed performance. The net profit for the quarter ending September 2023 was ₹0.09 Cr, which improved to ₹0.15 Cr by March 2025, reflecting a net profit margin of 14.36% in the latest fiscal year. The return on equity (ROE) stood at 4.42%, while the return on capital employed (ROCE) recorded at 7.64% indicates moderate efficiency in utilizing shareholder funds and capital. The interest coverage ratio (ICR) at 1.92x suggests that the company can comfortably meet its interest obligations, although it remains below the ideal threshold of 2.5x for robust financial health. Notably, the operating profit margin (OPM) has shown resilience, peaking at 87.50% in March 2024, before returning to 56.45% in September 2025, illustrating effective cost management strategies, particularly in operating expenses.
Balance Sheet Strength and Financial Ratios
The balance sheet of Galada Finance Ltd reflects a cautious approach to leveraging, with total borrowings reported at ₹9.18 Cr against reserves of ₹2.89 Cr. The debt-to-equity ratio has increased to 1.14x by March 2025, indicating a higher reliance on debt financing compared to previous years, where it was substantially lower at 0.31x in March 2023. This elevated leverage poses risks, particularly in a high-interest rate environment. The current ratio of 1.74x suggests adequate short-term liquidity, while the quick ratio mirrors this, indicating sufficient liquid assets to cover liabilities. The book value per share has increased to ₹19.26, signaling a gradual enhancement in the company’s equity base. However, the price-to-book ratio at 0.99x suggests that the stock is trading close to its book value, which may limit upside potential until further value creation is evident.
Shareholding Pattern and Investor Confidence
Galada Finance Ltd maintains a stable shareholding pattern, with promoters holding 63.93% of the stake, indicating strong management control and commitment. The public shareholding stands at 36.07%, reflecting a diverse investor base. The number of shareholders has shown a consistent increase, from 706 in December 2022 to 967 by September 2025, indicating growing interest and confidence in the company’s prospects. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) raises concerns about the stock’s attractiveness to larger institutional players. The consistent promoter holding can be perceived positively, as it suggests alignment of interests with retail shareholders. Nevertheless, the lack of institutional backing may limit liquidity and price support during market volatility.
Outlook, Risks, and Final Insight
The outlook for Galada Finance Ltd remains cautiously optimistic, driven by improving revenue trends and operational efficiency. However, significant risks include the high leverage indicated by a debt-to-equity ratio of 1.14x, which could strain financial stability if market conditions worsen. Furthermore, the reliance on a narrow sales base poses challenges in achieving sustainable growth. The company must focus on diversifying its revenue streams to mitigate these risks. If the company successfully improves its profitability metrics and further reduces debt levels, it may enhance its appeal to institutional investors, potentially leading to a re-rating of its stock. Conversely, failure to manage operational costs and maintain revenue growth could lead to further scrutiny of its financial health and share price performance.
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 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.33 Cr. | 0.73 | 8.60/0.71 | 21.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 450 Cr. | 61.8 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 33.0/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.7 Cr. | 72.6 | 154/70.0 | 17.5 | 238 | 1.38 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,973.94 Cr | 447.40 | 51.38 | 522.43 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.20 | 0.22 | 0.29 | 0.21 | 0.28 | 0.37 | 0.48 | 0.37 | 0.37 | 0.38 | 0.54 | 0.53 | 0.62 |
| Expenses | 0.18 | 0.06 | 0.13 | 0.12 | 0.15 | 0.13 | 0.06 | 0.15 | 0.15 | 0.14 | 0.17 | 0.21 | 0.27 |
| Operating Profit | 0.02 | 0.16 | 0.16 | 0.09 | 0.13 | 0.24 | 0.42 | 0.22 | 0.22 | 0.24 | 0.37 | 0.32 | 0.35 |
| OPM % | 10.00% | 72.73% | 55.17% | 42.86% | 46.43% | 64.86% | 87.50% | 59.46% | 59.46% | 63.16% | 68.52% | 60.38% | 56.45% |
| Other Income | 0.00 | 0.00 | 0.03 | 0.01 | 0.09 | 0.02 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 |
| Interest | 0.08 | 0.07 | 0.06 | 0.07 | 0.09 | 0.12 | 0.13 | 0.14 | 0.13 | 0.14 | 0.15 | 0.24 | 0.23 |
| Depreciation | 0.01 | 0.01 | 0.02 | 0.02 | 0.04 | 0.07 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Profit before tax | -0.07 | 0.08 | 0.11 | 0.01 | 0.09 | 0.07 | 0.22 | 0.04 | 0.05 | 0.05 | 0.17 | 0.05 | 0.09 |
| Tax % | 0.00% | 25.00% | 18.18% | 0.00% | 0.00% | 42.86% | 13.64% | 25.00% | 20.00% | 20.00% | 11.76% | 20.00% | 22.22% |
| Net Profit | -0.06 | 0.06 | 0.08 | 0.01 | 0.09 | 0.04 | 0.20 | 0.03 | 0.04 | 0.03 | 0.15 | 0.04 | 0.07 |
| EPS in Rs | -0.20 | 0.20 | 0.27 | 0.03 | 0.30 | 0.13 | 0.67 | 0.10 | 0.13 | 0.10 | 0.50 | 0.13 | 0.23 |
Last Updated: December 26, 2025, 9:37 pm
Below is a detailed analysis of the quarterly data for Galada Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 0.62 Cr.. The value appears strong and on an upward trend. It has increased from 0.53 Cr. (Jun 2025) to 0.62 Cr., marking an increase of 0.09 Cr..
- For Expenses, as of Sep 2025, the value is 0.27 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.21 Cr. (Jun 2025) to 0.27 Cr., marking an increase of 0.06 Cr..
- For Operating Profit, as of Sep 2025, the value is 0.35 Cr.. The value appears strong and on an upward trend. It has increased from 0.32 Cr. (Jun 2025) to 0.35 Cr., marking an increase of 0.03 Cr..
- For OPM %, as of Sep 2025, the value is 56.45%. The value appears to be declining and may need further review. It has decreased from 60.38% (Jun 2025) to 56.45%, marking a decrease of 3.93%.
- For Other Income, as of Sep 2025, the value is 0.01 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.01 Cr..
- For Interest, as of Sep 2025, the value is 0.23 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.24 Cr. (Jun 2025) to 0.23 Cr., marking a decrease of 0.01 Cr..
- For Depreciation, as of Sep 2025, the value is 0.04 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.04 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.09 Cr.. The value appears strong and on an upward trend. It has increased from 0.05 Cr. (Jun 2025) to 0.09 Cr., marking an increase of 0.04 Cr..
- For Tax %, as of Sep 2025, the value is 22.22%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Jun 2025) to 22.22%, marking an increase of 2.22%.
- For Net Profit, as of Sep 2025, the value is 0.07 Cr.. The value appears strong and on an upward trend. It has increased from 0.04 Cr. (Jun 2025) to 0.07 Cr., marking an increase of 0.03 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.23. The value appears strong and on an upward trend. It has increased from 0.13 (Jun 2025) to 0.23, 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: December 4, 2025, 2:55 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 |
| Borrowings | 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 Borrowings, as of Sep 2025, the value is 9.18 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 6.60 Cr. (Mar 2025) to 9.18 Cr., marking an increase of 2.58 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..
However, the Borrowings (9.18 Cr.) are higher than the Reserves (2.89 Cr.), which may signal higher financial risk.
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: 15.8%)
- 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: 33.5 (Industry average Stock P/E: 51.38)
- 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 03 January 2026) is ₹23.68 which is 26.91% lower the current market price of ₹32.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹9.72 Cr. market cap, FY2025-2026 high/low of ₹34.0/17.3, 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 9.72 Cr..
What is the current Stock Price of Galada Finance Ltd as on 03 January 2026?
The current stock price of Galada Finance Ltd as on 03 January 2026 is ₹32.4.
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 ₹34.0/17.3.
What is the Stock P/E of Galada Finance Ltd?
The Stock P/E of Galada Finance Ltd is 33.5.
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.