Galada Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Galada Finance Ltd?

Galada Finance Ltd is trading at 20.50 as of 23 April 2026, with a FY2026-2027 high of 36.7 and low of 19.5. The stock is currently near its 52-week low. Market cap stands at 6.15 Cr..

Q: Is Galada Finance Ltd financially healthy?

Key indicators: ROCE of 7.64 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Galada Finance Ltd profitable and how is the profit trend?

Galada Finance Ltd reported a net profit of 0 Cr in Mar 2025 on revenue of 2 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹12.09Overvalued by 41.02%vs CMP ₹20.50

P/E (17.1) × ROE (4.4%) × BV (₹19.60) × DY (2.00%)

₹15.82Overvalued by 22.83%vs CMP ₹20.50

MoS: -29.6% (Negative)Confidence: 48/100 (Moderate)Models: 2 Under, 1 Fair, 5 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹15.15	26%	Over (-26.1%)
Graham Number	Earnings	₹22.91	15%	Under (+11.8%)
Earnings Power	Earnings	₹6.30	12%	Over (-69.3%)
DCF	Cash Flow	₹29.44	12%	Under (+43.6%)
Net Asset Value	Assets	₹19.63	8%	Fair (-4.2%)
EV/EBITDA	Enterprise	₹7.00	10%	Over (-65.9%)
Earnings Yield	Earnings	₹11.90	8%	Over (-42%)
ROCE Capital	Returns	₹9.65	8%	Over (-52.9%)
Consensus (8 models)		₹15.82	100%	Overvalued

Key Drivers: EPS CAGR 25.3% lifts DCF — verify sustainability. | ROE 4.4% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 25.3%

*Investments are subject to market risks

Analyst Summary

Galada Finance Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: GALADAFIN | BSE: 538881, current market price is ₹20.50, market cap is 6.15 Cr.. At a glance, stock P/E is 17.1, ROE is 4.42 %, ROCE is 7.64 %, book value is 19.6, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹15.82, around 22.8% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹2 Cr versus the prior period change of 21.2%, while latest net profit is about ₹0 Cr with a prior-period change of -26.5%. The 52-week range shown on this page is 36.7/19.5, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisGalada Finance Ltd. is a Public Limited Listed company incorporated on 25/03/1986 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65…

This summary is generated from the stock page data available for Galada Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Galada Finance Ltd scores 52/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health49/100 · Moderate

ROCE 7.6% WeakROE 4.4% WeakD/E 0.67 ModerateInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money50/100 · Moderate

Promoter holding at 63.9% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum58/100 · Moderate

Profit (4Q): +20% YoY Positive

Industry Rank55/100 · Moderate

P/E 17.1 vs industry 101.6 Cheaper than peersROCE 7.6% vs industry 15.8% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:39 am

Market Cap	6.15 Cr.
Current Price	20.5
Intrinsic Value	₹15.82
High / Low	36.7/19.5
Stock P/E	17.1
Book Value	19.6
Dividend Yield	0.00 %
ROCE	7.64 %
ROE	4.42 %
Face Value	10.0
PEG Ratio	0.68

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Galada Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Galada Finance Ltd	6.15 Cr.	20.5	36.7/19.5	17.1	19.6	0.00 %	7.64 %	4.42 %	10.0
G K Consultants Ltd	12.1 Cr.	10.7	20.8/8.52	17.5	14.8	0.00 %	0.35 %	0.26 %	10.0
Bombay Oxygen Investments Ltd	294 Cr.	19,625	31,998/18,500	18.6	34,305	0.18 %	3.89 %	3.62 %	100
Fedbank Financial Services Ltd	4,887 Cr.	131	178/80.0	15.5	72.4	0.00 %	9.82 %	9.38 %	10.0
Apollo Finvest (India) Ltd	131 Cr.	350	659/318	18.9	191	0.00 %	14.7 %	11.4 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Galada Finance Ltd

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 5:35 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
Revenue	1.17	1.79	1.54	1.74	1.64	1.27	0.97	0.91	1.06	0.91	1.37	1.66	2.39
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	0.90
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	0.92
Financing Profit	0.04	0.56	0.41	0.45	0.31	-0.04	-0.60	0.03	-0.19	0.08	0.51	0.50	0.57
Financing Margin %	3.42%	31.28%	26.62%	25.86%	18.90%	-3.15%	-61.86%	3.30%	-17.92%	8.79%	37.23%	30.12%	23.85%
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	0.04
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	0.17
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	0.44
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	0.36
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	1.19
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%

Profit & Loss Yearly Chart

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: March 3, 2026, 3:00 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

Reserves and Borrowings Chart

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
Cash from Operating Activity +	0.80	0.31	-0.67	0.07	0.56	0.26	-0.65	-0.64	0.26	1.21	-2.18	-2.26
Cash from Investing Activity +	0.21	0.63	-0.07	-0.30	-0.16	-0.10	0.68	-0.21	0.45	-0.07	-0.45	0.00
Cash from Financing Activity +	-1.07	-0.95	0.76	0.19	-0.37	-0.08	-0.09	0.87	-0.74	-1.06	2.71	2.25
Net Cash Flow	-0.06	-0.01	0.02	-0.03	0.03	0.07	-0.06	0.03	-0.03	0.09	0.09	-0.01
Free Cash Flow	1.21	0.63	-0.78	-0.30	0.49	0.26	-0.64	-0.65	0.25	1.02	-2.69	-2.30
CFO/OP	170%	40%	-72%	19%	80%	75%	321%	-150%	107%	326%	-230%	-210%

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	-2.30	-1.48	-2.26	-2.32	-1.89	-1.79	-1.40	-2.93	-1.91	-1.11	-3.90	-5.99

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%	63.93%
Public	36.08%	36.07%	36.07%	36.07%	36.08%	36.07%	36.08%	36.08%	36.08%	36.08%	36.07%	36.07%
No. of Shareholders	719	739	777	808	813	871	885	945	964	946	967	971

Shareholding Pattern Chart

No. of Shareholders

Galada Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Galada Finance Ltd. is a Public Limited Listed company incorporated on 25/03/1986 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65191TN1986PLC012826 and registration number is 012826. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 1.73 Cr. and Equity Capital is Rs. 3.00 Cr. for the Year ended 31/03/2025.

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 and is it undervalued?

As of 23 April 2026, Galada Finance Ltd's intrinsic value is ₹15.82, which is 22.83% lower than the current market price of ₹20.50, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (4.42 %), book value (₹19.6), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Galada Finance Ltd?

Galada Finance Ltd is trading at ₹20.50 as of 23 April 2026, with a FY2026-2027 high of ₹36.7 and low of ₹19.5. The stock is currently near its 52-week low. Market cap stands at ₹6.15 Cr..

How does Galada Finance Ltd's P/E ratio compare to its industry?

Galada Finance Ltd has a P/E ratio of 17.1, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Galada Finance Ltd financially healthy?

Key indicators for Galada Finance Ltd: ROCE of 7.64 % is on the lower side compared to the industry average of 15.81%; ROE of 4.42 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.00 %.

Is Galada Finance Ltd profitable and how is the profit trend?

Galada Finance Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹2 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Galada Finance Ltd pay dividends?

Galada Finance Ltd has a dividend yield of 0.00 % at the current price of ₹20.50. The company is currently not paying meaningful dividends.