Share Price and Basic Stock Data
Last Updated: October 22, 2025, 8:47 am
| PEG Ratio | -0.23 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Garbi Finvest Ltd operates as a Non-Banking Financial Company (NBFC) and reported a share price of ₹12.8 with a market capitalization of ₹15.0 Cr. The company’s revenue has shown volatility, with sales standing at ₹36.53 Cr in FY 2022, declining to ₹6.74 Cr in FY 2023, and further down to ₹4.30 Cr in FY 2024. The trailing twelve months (TTM) revenue is ₹3.24 Cr, indicating a challenging business environment. Quarterly sales revealed fluctuations, with the highest at ₹3.23 Cr in Mar 2023, before dropping to ₹0.39 Cr in Dec 2023. This inconsistency signals potential issues in revenue generation, which could be a concern for investors. The company’s operational performance is also reflected in its operating profit margin (OPM), which reported a negative figure of -13.04% in Jun 2025. This suggests that Garbi Finvest is struggling to maintain profitability amidst changing market conditions.
Profitability and Efficiency Metrics
Profitability metrics for Garbi Finvest Ltd indicate significant challenges. The return on equity (ROE) stands at a mere 1.86%, while the return on capital employed (ROCE) is slightly better at 2.27%. These figures are below the typical benchmarks for the NBFC sector, which generally expects higher returns due to the inherent risks and capital intensity of financial services. The company has also reported a net profit of ₹1.38 Cr in FY 2025, but the recent quarterly net profit figures have been inconsistent, with a notable loss of ₹2.08 Cr in Mar 2024. The interest coverage ratio is extraordinarily high at 526.84x, indicating that the company has no debt obligations affecting its profitability. However, the negative operating profit margins and fluctuating net profits signal inefficiencies that could deter potential investors.
Balance Sheet Strength and Financial Ratios
Garbi Finvest Ltd presents a unique balance sheet situation characterized by minimal borrowings, reported at ₹0.05 Cr, and substantial reserves of ₹64.02 Cr. This results in a debt-to-equity ratio that is exceptionally low, providing a buffer against financial distress. The current ratio stands at an impressive 911.09, reflecting robust liquidity and the ability to cover short-term liabilities. However, the company’s price-to-book value (P/BV) ratio of 0.15x suggests that the stock may be undervalued compared to its net asset value, which could attract value investors. Nonetheless, the operating profit margin has been negative for most recent quarters and the trailing twelve months, indicating inefficiencies in operations. The company’s total assets have increased to ₹80.18 Cr in FY 2025, but the declining revenue trends raise questions about the effective utilization of these assets.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Garbi Finvest Ltd reveals a significant promoter holding of 59.28%, which can instill confidence among investors regarding management stability and control. The public shareholding stands at 40.73%, reflecting a diversified investor base with 4,310 shareholders as of Jun 2025. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) may signal a lack of institutional confidence, which could impact stock performance. The gradual decline in promoter holdings from 62.49% in Sep 2022 to the current level may also raise concerns regarding insider sentiment. Nonetheless, increased public participation from 1,103 shareholders in Sep 2022 to 4,310 in Jun 2025 indicates growing interest, albeit amidst volatile performance metrics, which could be a double-edged sword for future stock stability.
Outlook, Risks, and Final Insight
If Garbi Finvest Ltd can stabilize its revenue stream and improve operational efficiencies, it may enhance its profitability metrics and investor confidence. The significant liquidity position offers a cushion to navigate challenging market conditions, but ongoing volatility in sales and net profit margins poses serious risks. The company needs to address its negative OPM and leverage its reserves effectively to generate sustainable growth. Additionally, the absence of institutional investors could limit access to capital for expansion. If the management can execute a strategic turnaround to boost revenue while maintaining low debt levels, Garbi Finvest could potentially attract institutional interest and regain market momentum. However, consistent performance will be critical to ensure that investor sentiment does not wane further amidst the current uncertainties.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Garbi Finvest Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.9 Cr. | 1.59 | 1.91/0.85 | 106 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 12.2 Cr. | 1.21 | 14.3/1.06 | 19.0 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 548 Cr. | 167 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.8 Cr. | 19.4 | 39.8/17.5 | 13.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 45.7 Cr. | 102 | 181/90.0 | 24.5 | 238 | 0.98 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,944.91 Cr | 491.08 | 104.30 | 494.63 | 0.21% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.56 | 0.82 | 0.78 | 3.23 | 0.44 | 0.94 | 0.39 | 1.17 | 0.71 | 1.79 | 0.81 | -0.05 | 0.69 |
| Expenses | 0.22 | 0.21 | 0.20 | 0.23 | 0.17 | 0.14 | 1.14 | 2.80 | 0.25 | 0.35 | 0.75 | 2.44 | 0.78 |
| Operating Profit | 0.34 | 0.61 | 0.58 | 3.00 | 0.27 | 0.80 | -0.75 | -1.63 | 0.46 | 1.44 | 0.06 | -2.49 | -0.09 |
| OPM % | 60.71% | 74.39% | 74.36% | 92.88% | 61.36% | 85.11% | -192.31% | -139.32% | 64.79% | 80.45% | 7.41% | -13.04% | |
| Other Income | 0.00 | 0.43 | 0.00 | 0.94 | 0.45 | 0.45 | 0.45 | 0.00 | 0.45 | -0.37 | 1.05 | 1.10 | 0.50 |
| Interest | 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 |
| Depreciation | 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 |
| Profit before tax | 0.34 | 1.04 | 0.58 | 3.94 | 0.72 | 1.25 | -0.30 | -1.63 | 0.91 | 1.07 | 1.11 | -1.39 | 0.41 |
| Tax % | 32.35% | 25.96% | 44.83% | 23.60% | 25.00% | 10.40% | 56.67% | 27.61% | 3.30% | 119.63% | -12.61% | -43.17% | -190.24% |
| Net Profit | 0.23 | 0.77 | 0.32 | 3.00 | 0.54 | 1.12 | -0.47 | -2.08 | 0.89 | -0.22 | 1.25 | -0.79 | 1.19 |
| EPS in Rs | 0.20 | 0.66 | 0.27 | 2.56 | 0.46 | 0.95 | -0.40 | -1.77 | 0.76 | -0.19 | 1.07 | -0.67 | 1.01 |
Last Updated: August 19, 2025, 2:55 pm
Below is a detailed analysis of the quarterly data for Garbi Finvest Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.69 Cr.. The value appears strong and on an upward trend. It has increased from -0.05 Cr. (Mar 2025) to 0.69 Cr., marking an increase of 0.74 Cr..
- For Expenses, as of Jun 2025, the value is 0.78 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2.44 Cr. (Mar 2025) to 0.78 Cr., marking a decrease of 1.66 Cr..
- For Operating Profit, as of Jun 2025, the value is -0.09 Cr.. The value appears strong and on an upward trend. It has increased from -2.49 Cr. (Mar 2025) to -0.09 Cr., marking an increase of 2.40 Cr..
- For OPM %, as of Jun 2025, the value is -13.04%. The value appears to be declining and may need further review. It has decreased from 0.00% (Mar 2025) to -13.04%, marking a decrease of 13.04%.
- For Other Income, as of Jun 2025, the value is 0.50 Cr.. The value appears to be declining and may need further review. It has decreased from 1.10 Cr. (Mar 2025) to 0.50 Cr., marking a decrease of 0.60 Cr..
- For Interest, as of Jun 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 Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 0.41 Cr.. The value appears strong and on an upward trend. It has increased from -1.39 Cr. (Mar 2025) to 0.41 Cr., marking an increase of 1.80 Cr..
- For Tax %, as of Jun 2025, the value is -190.24%. The value appears to be improving (decreasing) as expected. It has decreased from -43.17% (Mar 2025) to -190.24%, marking a decrease of 147.07%.
- For Net Profit, as of Jun 2025, the value is 1.19 Cr.. The value appears strong and on an upward trend. It has increased from -0.79 Cr. (Mar 2025) to 1.19 Cr., marking an increase of 1.98 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.01. The value appears strong and on an upward trend. It has increased from -0.67 (Mar 2025) to 1.01, marking an increase of 1.68.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:17 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 | 0.12 | 0.31 | 0.61 | 0.56 | 1.50 | 3.13 | 2.85 | 2.38 | 36.53 | 6.74 | 4.30 | 4.25 | 3.24 |
| Expenses | 0.10 | 0.27 | 0.47 | 0.45 | 0.55 | 1.70 | 1.15 | 0.97 | 5.30 | 0.86 | 4.26 | 2.67 | 4.32 |
| Operating Profit | 0.02 | 0.04 | 0.14 | 0.11 | 0.95 | 1.43 | 1.70 | 1.41 | 31.23 | 5.88 | 0.04 | 1.58 | -1.08 |
| OPM % | 16.67% | 12.90% | 22.95% | 19.64% | 63.33% | 45.69% | 59.65% | 59.24% | 85.49% | 87.24% | 0.93% | 37.18% | -33.33% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.00 | 0.10 | 2.28 |
| Interest | 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 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.02 | 0.04 | 0.14 | 0.12 | 0.95 | 1.43 | 1.70 | 1.40 | 31.22 | 5.91 | 0.04 | 1.68 | 1.20 |
| Tax % | 0.00% | 50.00% | 28.57% | 50.00% | 26.32% | 27.97% | 31.18% | 28.57% | 4.96% | 26.57% | 2,350.00% | 17.86% | |
| Net Profit | 0.02 | 0.03 | 0.10 | 0.06 | 0.70 | 1.03 | 1.17 | 1.00 | 29.68 | 4.34 | -0.90 | 1.38 | 1.43 |
| EPS in Rs | 0.02 | 0.03 | 0.09 | 0.05 | 0.60 | 0.88 | 1.00 | 0.85 | 25.30 | 3.70 | -0.77 | 1.18 | 1.22 |
| 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 (%) | 50.00% | 233.33% | -40.00% | 1066.67% | 47.14% | 13.59% | -14.53% | 2868.00% | -85.38% | -120.74% | 253.33% |
| Change in YoY Net Profit Growth (%) | 0.00% | 183.33% | -273.33% | 1106.67% | -1019.52% | -33.55% | -28.12% | 2882.53% | -2953.38% | -35.36% | 374.07% |
Garbi Finvest 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: | 22% |
| 5 Years: | -4% |
| 3 Years: | -60% |
| TTM: | 1% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 47% |
| 5 Years: | 3% |
| 3 Years: | -64% |
| TTM: | 365% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | -10% |
| 3 Years: | -26% |
| 1 Year: | -23% |
| Return on Equity | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 11% |
| 3 Years: | 2% |
| Last Year: | 2% |
Last Updated: September 5, 2025, 3:31 pm
Balance Sheet
Last Updated: October 10, 2025, 4:07 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 | 11.73 |
| Reserves | 45.67 | 45.69 | 45.79 | 45.85 | 46.55 | 47.58 | 48.75 | 26.92 | 56.59 | 60.93 | 60.70 | 64.02 |
| Borrowings | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.08 | 0.05 |
| Other Liabilities | 0.73 | 0.06 | 0.22 | 1.13 | 1.37 | 1.35 | 1.62 | 1.43 | 2.67 | 2.94 | 3.09 | 4.38 |
| Total Liabilities | 58.13 | 57.48 | 57.74 | 58.71 | 59.65 | 60.66 | 62.10 | 40.08 | 70.99 | 75.60 | 75.60 | 80.18 |
| Fixed Assets | -0.00 | -0.00 | -0.00 | 0.01 | -0.00 | -0.00 | -0.00 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 |
| 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 |
| Investments | 52.34 | 43.75 | 49.84 | 50.44 | 32.37 | 30.42 | 30.27 | 7.37 | 40.41 | 48.25 | 45.53 | 50.86 |
| Other Assets | 5.79 | 13.73 | 7.90 | 8.26 | 27.28 | 30.24 | 31.83 | 32.70 | 30.58 | 27.35 | 30.07 | 29.32 |
| Total Assets | 58.13 | 57.48 | 57.74 | 58.71 | 59.65 | 60.66 | 62.10 | 40.08 | 70.99 | 75.60 | 75.60 | 80.18 |
Below is a detailed analysis of the balance sheet data for Garbi Finvest Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 11.73 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 11.73 Cr..
- For Reserves, as of Mar 2025, the value is 64.02 Cr.. The value appears strong and on an upward trend. It has increased from 60.70 Cr. (Mar 2024) to 64.02 Cr., marking an increase of 3.32 Cr..
- For Borrowings, as of Mar 2025, the value is 0.05 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 0.08 Cr. (Mar 2024) to 0.05 Cr., marking a decrease of 0.03 Cr..
- For Other Liabilities, as of Mar 2025, the value is 4.38 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3.09 Cr. (Mar 2024) to 4.38 Cr., marking an increase of 1.29 Cr..
- For Total Liabilities, as of Mar 2025, the value is 80.18 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 75.60 Cr. (Mar 2024) to 80.18 Cr., marking an increase of 4.58 Cr..
- For Fixed Assets, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 50.86 Cr.. The value appears strong and on an upward trend. It has increased from 45.53 Cr. (Mar 2024) to 50.86 Cr., marking an increase of 5.33 Cr..
- For Other Assets, as of Mar 2025, the value is 29.32 Cr.. The value appears to be declining and may need further review. It has decreased from 30.07 Cr. (Mar 2024) to 29.32 Cr., marking a decrease of 0.75 Cr..
- For Total Assets, as of Mar 2025, the value is 80.18 Cr.. The value appears strong and on an upward trend. It has increased from 75.60 Cr. (Mar 2024) to 80.18 Cr., marking an increase of 4.58 Cr..
Notably, the Reserves (64.02 Cr.) exceed the Borrowings (0.05 Cr.), indicating a solid financial buffer.
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 | 0.02 | 0.04 | 0.14 | 0.11 | 0.95 | 1.43 | 1.70 | 1.41 | 31.23 | 5.88 | -0.04 | 1.53 |
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 | 1,669.27 | 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 | 1,669.27 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 15,025.83 | 12,704.35 | 4,517.62 | 4,601.61 | 6,192.83 | -156.26 | -207.47 | -219.31 | -26.68 | -41.70 | -261.44 | -48.95 |
| ROCE % | 0.06% | 0.07% | 0.24% | 0.21% | 1.64% | 2.43% | 2.84% | 2.82% | 58.37% | 8.38% | 0.06% | 2.27% |
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.) | 0.12 | -0.20 | 3.70 | 25.30 | 0.85 |
| Diluted EPS (Rs.) | 0.12 | -0.20 | 3.70 | 25.30 | 0.85 |
| Cash EPS (Rs.) | 1.18 | -0.76 | 3.70 | 25.30 | 0.85 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 64.58 | 61.74 | 61.94 | 58.24 | 32.95 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 64.58 | 61.74 | 61.94 | 58.24 | 32.95 |
| Revenue From Operations / Share (Rs.) | 3.63 | 3.67 | 4.96 | 31.14 | 2.03 |
| PBDIT / Share (Rs.) | 1.44 | 0.03 | 5.04 | 26.62 | 1.20 |
| PBIT / Share (Rs.) | 1.44 | 0.03 | 5.04 | 26.62 | 1.20 |
| PBT / Share (Rs.) | 1.43 | 0.03 | 5.04 | 26.62 | 1.19 |
| Net Profit / Share (Rs.) | 1.18 | -0.76 | 3.70 | 25.30 | 0.85 |
| PBDIT Margin (%) | 39.63 | 1.01 | 101.57 | 85.49 | 59.17 |
| PBIT Margin (%) | 39.60 | 0.98 | 101.50 | 85.48 | 58.89 |
| PBT Margin (%) | 39.53 | 0.98 | 101.50 | 85.48 | 58.85 |
| Net Profit Margin (%) | 32.48 | -20.87 | 74.57 | 81.23 | 41.98 |
| Return on Networth / Equity (%) | 1.82 | -1.24 | 5.97 | 43.43 | 2.58 |
| Return on Capital Employeed (%) | 2.10 | 0.05 | 7.81 | 44.68 | 3.52 |
| Return On Assets (%) | 1.72 | -1.18 | 5.74 | 41.79 | 2.49 |
| Asset Turnover Ratio (%) | 0.05 | 0.05 | 0.07 | 0.65 | 0.04 |
| Current Ratio (X) | 911.09 | 837.14 | 1787.14 | 63.37 | 136.49 |
| Quick Ratio (X) | 911.09 | 837.14 | 1787.14 | 63.37 | 136.49 |
| Interest Coverage Ratio (X) | 526.88 | 0.00 | 0.00 | 312312.00 | 1340.84 |
| Interest Coverage Ratio (Post Tax) (X) | 432.88 | 0.00 | 0.00 | 296754.00 | 952.31 |
| Enterprise Value (Cr.) | 10.65 | 27.42 | 27.81 | 26.62 | 24.41 |
| EV / Net Operating Revenue (X) | 2.50 | 6.37 | 4.78 | 0.72 | 10.25 |
| EV / EBITDA (X) | 6.32 | 625.95 | 4.70 | 0.85 | 17.32 |
| MarketCap / Net Operating Revenue (X) | 2.78 | 6.37 | 4.79 | 0.74 | 10.34 |
| Price / BV (X) | 0.15 | 0.37 | 0.38 | 0.39 | 0.63 |
| Price / Net Operating Revenue (X) | 2.78 | 6.37 | 4.79 | 0.74 | 10.35 |
| EarningsYield | 0.11 | -0.03 | 0.15 | 1.09 | 0.04 |
After reviewing the key financial ratios for Garbi Finvest 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 0.12. This value is below the healthy minimum of 5. It has increased from -0.20 (Mar 24) to 0.12, marking an increase of 0.32.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.12. This value is below the healthy minimum of 5. It has increased from -0.20 (Mar 24) to 0.12, marking an increase of 0.32.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 3. It has increased from -0.76 (Mar 24) to 1.18, marking an increase of 1.94.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 64.58. It has increased from 61.74 (Mar 24) to 64.58, marking an increase of 2.84.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 64.58. It has increased from 61.74 (Mar 24) to 64.58, marking an increase of 2.84.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 3.63. It has decreased from 3.67 (Mar 24) to 3.63, marking a decrease of 0.04.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 1.44. This value is below the healthy minimum of 2. It has increased from 0.03 (Mar 24) to 1.44, marking an increase of 1.41.
- For PBIT / Share (Rs.), as of Mar 25, the value is 1.44. This value is within the healthy range. It has increased from 0.03 (Mar 24) to 1.44, marking an increase of 1.41.
- For PBT / Share (Rs.), as of Mar 25, the value is 1.43. This value is within the healthy range. It has increased from 0.03 (Mar 24) to 1.43, marking an increase of 1.40.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 2. It has increased from -0.76 (Mar 24) to 1.18, marking an increase of 1.94.
- For PBDIT Margin (%), as of Mar 25, the value is 39.63. This value is within the healthy range. It has increased from 1.01 (Mar 24) to 39.63, marking an increase of 38.62.
- For PBIT Margin (%), as of Mar 25, the value is 39.60. This value exceeds the healthy maximum of 20. It has increased from 0.98 (Mar 24) to 39.60, marking an increase of 38.62.
- For PBT Margin (%), as of Mar 25, the value is 39.53. This value is within the healthy range. It has increased from 0.98 (Mar 24) to 39.53, marking an increase of 38.55.
- For Net Profit Margin (%), as of Mar 25, the value is 32.48. This value exceeds the healthy maximum of 10. It has increased from -20.87 (Mar 24) to 32.48, marking an increase of 53.35.
- For Return on Networth / Equity (%), as of Mar 25, the value is 1.82. This value is below the healthy minimum of 15. It has increased from -1.24 (Mar 24) to 1.82, marking an increase of 3.06.
- For Return on Capital Employeed (%), as of Mar 25, the value is 2.10. This value is below the healthy minimum of 10. It has increased from 0.05 (Mar 24) to 2.10, marking an increase of 2.05.
- For Return On Assets (%), as of Mar 25, the value is 1.72. This value is below the healthy minimum of 5. It has increased from -1.18 (Mar 24) to 1.72, marking an increase of 2.90.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.05. There is no change compared to the previous period (Mar 24) which recorded 0.05.
- For Current Ratio (X), as of Mar 25, the value is 911.09. This value exceeds the healthy maximum of 3. It has increased from 837.14 (Mar 24) to 911.09, marking an increase of 73.95.
- For Quick Ratio (X), as of Mar 25, the value is 911.09. This value exceeds the healthy maximum of 2. It has increased from 837.14 (Mar 24) to 911.09, marking an increase of 73.95.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 526.88. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 526.88, marking an increase of 526.88.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 432.88. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 432.88, marking an increase of 432.88.
- For Enterprise Value (Cr.), as of Mar 25, the value is 10.65. It has decreased from 27.42 (Mar 24) to 10.65, marking a decrease of 16.77.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 2.50. This value is within the healthy range. It has decreased from 6.37 (Mar 24) to 2.50, marking a decrease of 3.87.
- For EV / EBITDA (X), as of Mar 25, the value is 6.32. This value is within the healthy range. It has decreased from 625.95 (Mar 24) to 6.32, marking a decrease of 619.63.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.78. This value is within the healthy range. It has decreased from 6.37 (Mar 24) to 2.78, marking a decrease of 3.59.
- For Price / BV (X), as of Mar 25, the value is 0.15. This value is below the healthy minimum of 1. It has decreased from 0.37 (Mar 24) to 0.15, marking a decrease of 0.22.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.78. This value is within the healthy range. It has decreased from 6.37 (Mar 24) to 2.78, marking a decrease of 3.59.
- For EarningsYield, as of Mar 25, the value is 0.11. This value is below the healthy minimum of 5. It has increased from -0.03 (Mar 24) to 0.11, marking an increase of 0.14.
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 Garbi Finvest Ltd:
- Net Profit Margin: 32.48%
- 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: 2.1% (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%: 1.82% (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): 432.88
- 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: 911.09
- 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: 10.5 (Industry average Stock P/E: 104.3)
- 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: 0
- 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: 32.48%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | A502, A-Wing, 5th Flr, Shubham Centre-1, Cardinal Gracious Road, Mumbai Maharashtra 400099 | garbifinvest@gmail.com http://www.gptl.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Kripa Shankar Mahawar | Managing Director |
| Mr. Suranjan Upadhyay | Non Executive Director |
| Ms. Sangita Kar | Independent Director |
| Ms. Ruchi Nagori | Independent Director |
| Ms. Ritu Mahawar | Non Executive Director |
FAQ
What is the intrinsic value of Garbi Finvest Ltd?
Garbi Finvest Ltd's intrinsic value (as of 23 October 2025) is 10.29 which is 19.61% lower the current market price of 12.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 15.1 Cr. market cap, FY2025-2026 high/low of 19.0/9.17, reserves of ₹64.02 Cr, and liabilities of 80.18 Cr.
What is the Market Cap of Garbi Finvest Ltd?
The Market Cap of Garbi Finvest Ltd is 15.1 Cr..
What is the current Stock Price of Garbi Finvest Ltd as on 23 October 2025?
The current stock price of Garbi Finvest Ltd as on 23 October 2025 is 12.8.
What is the High / Low of Garbi Finvest Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Garbi Finvest Ltd stocks is 19.0/9.17.
What is the Stock P/E of Garbi Finvest Ltd?
The Stock P/E of Garbi Finvest Ltd is 10.5.
What is the Book Value of Garbi Finvest Ltd?
The Book Value of Garbi Finvest Ltd is 64.6.
What is the Dividend Yield of Garbi Finvest Ltd?
The Dividend Yield of Garbi Finvest Ltd is 0.00 %.
What is the ROCE of Garbi Finvest Ltd?
The ROCE of Garbi Finvest Ltd is 2.27 %.
What is the ROE of Garbi Finvest Ltd?
The ROE of Garbi Finvest Ltd is 1.86 %.
What is the Face Value of Garbi Finvest Ltd?
The Face Value of Garbi Finvest Ltd is 10.0.