Share Price and Basic Stock Data
Last Updated: January 13, 2026, 9:29 pm
| PEG Ratio | -0.21 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Garbi Finvest Ltd operates as a Non-Banking Financial Company (NBFC) and has reported a market capitalization of ₹15.7 Cr while trading at a price of ₹13.4. The company has experienced fluctuating sales figures over recent quarters. In the fiscal year ending March 2023, Garbi Finvest recorded sales of ₹6.74 Cr, which significantly declined from ₹36.53 Cr in March 2022. The quarterly sales figures also reflect this volatility, with a peak of ₹3.23 Cr in March 2023, followed by a decline to ₹0.44 Cr in June 2023. By September 2023, sales slightly rebounded to ₹0.94 Cr. This inconsistent revenue trend raises concerns about the company’s ability to stabilize its income streams. The trailing twelve months (TTM) revenue stands at ₹2.10 Cr, indicating a downward trajectory compared to previous years. The company’s operational challenges may be linked to its negative operating profit margin (OPM) of -20.00%, which suggests inefficiencies in cost management relative to its revenue generation.
Profitability and Efficiency Metrics
Garbi Finvest’s profitability metrics reveal a concerning picture. The company reported a net profit of ₹1.67 Cr, translating to a low return on equity (ROE) of 1.86% and a return on capital employed (ROCE) of 2.27%. These figures fall below typical sector benchmarks, which often expect higher returns from NBFCs. The operating profit margin has also been negative at -20.00%, indicating that the company is incurring losses relative to its sales. Furthermore, the interest coverage ratio (ICR) of 526.88x suggests that while the company has no borrowing, it is highly capable of covering any potential interest obligations. However, the lack of interest expense could also signify limited operational leverage. The company reported other income of ₹0.45 Cr consistently across several quarters, but this has not been enough to offset the declining operational profits, raising questions about the sustainability of its current business model.
Balance Sheet Strength and Financial Ratios
Garbi Finvest’s balance sheet reflects a conservative approach to leverage, as it reported zero borrowings across multiple periods. The company’s total assets stood at ₹80.18 Cr as of March 2025, with reserves increasing to ₹67.41 Cr, indicating a solid equity base. The book value per share, calculated at ₹64.58, further underscores the company’s asset strength. However, the price-to-book value (P/BV) ratio of 0.15x indicates that the stock is trading significantly below its book value, which could attract value-oriented investors. The current ratio is extraordinarily high at 911.09, suggesting exceptional liquidity. Nonetheless, this figure also raises concerns about the efficiency of asset utilization, as the company may not be effectively deploying its resources to generate revenue. The enterprise value (EV) of ₹10.65 Cr relative to net operating revenue of ₹2.10 Cr highlights the company’s undervaluation but also signals potential inefficiencies in revenue generation.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Garbi Finvest indicates a strong promoter presence, with promoters holding 59.28% of the company as of September 2025. This level of control may provide stability; however, the declining percentage from 62.49% in December 2022 could signal a shift in confidence among insiders. Public ownership stands at 40.71%, reflecting a healthy distribution of shares among retail investors, with the number of shareholders increasing to 4,430 from 1,932 over the past year. This growth in shareholder base may reflect a rising interest in the company, despite its operational challenges. The absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) suggests that institutional confidence remains low, which could impact liquidity and market perception. A diversified shareholder base could potentially enhance governance but may also lead to volatility if retail sentiment shifts quickly.
Outlook, Risks, and Final Insight
Looking ahead, Garbi Finvest faces several risks that could impact its operational performance. The volatility in revenue and negative profit margins could deter potential investors and affect its market position within the NBFC sector. Moreover, the absence of borrowings, while a strength, may also limit the company’s growth potential if it does not leverage opportunities effectively. On the flip side, the strong liquidity position and high book value present opportunities for recovery if the management can stabilize operations and improve profitability. The company could benefit from strategic initiatives aimed at enhancing operational efficiency and revenue generation. In a scenario where operational challenges are addressed, Garbi Finvest could leverage its asset base to attract investment, potentially leading to a turnaround. Conversely, continued revenue declines without corrective measures could lead to further deterioration in investor confidence, impacting the stock’s valuation and overall market position.
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 | 13.8 Cr. | 1.38 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 7.55/0.62 | 21.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 384 Cr. | 59.1 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.4 Cr. | 15.8 | 26.2/15.0 | 10.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 31.5 Cr. | 70.0 | 152/66.1 | 16.8 | 238 | 1.43 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,911.06 Cr | 401.68 | 52.39 | 515.00 | 0.23% | 15.81% | 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 | 0.82 | 0.78 | 3.23 | 0.44 | 0.94 | 0.39 | 1.17 | 0.71 | 1.79 | 0.81 | -0.05 | 0.69 | 0.65 |
| Expenses | 0.21 | 0.20 | 0.23 | 0.17 | 0.14 | 1.14 | 2.80 | 0.25 | 0.35 | 0.75 | 2.44 | 0.78 | 0.78 |
| Operating Profit | 0.61 | 0.58 | 3.00 | 0.27 | 0.80 | -0.75 | -1.63 | 0.46 | 1.44 | 0.06 | -2.49 | -0.09 | -0.13 |
| OPM % | 74.39% | 74.36% | 92.88% | 61.36% | 85.11% | -192.31% | -139.32% | 64.79% | 80.45% | 7.41% | -13.04% | -20.00% | |
| Other Income | 0.43 | 0.00 | 0.94 | 0.45 | 0.45 | 0.45 | 0.00 | 0.45 | -0.37 | 1.05 | 1.10 | 0.50 | 0.04 |
| 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 | 1.04 | 0.58 | 3.94 | 0.72 | 1.25 | -0.30 | -1.63 | 0.91 | 1.07 | 1.11 | -1.39 | 0.41 | -0.09 |
| Tax % | 25.96% | 44.83% | 23.60% | 25.00% | 10.40% | 56.67% | 27.61% | 3.30% | 119.63% | -12.61% | -43.17% | -190.24% | -122.22% |
| Net Profit | 0.77 | 0.32 | 3.00 | 0.54 | 1.12 | -0.47 | -2.08 | 0.89 | -0.22 | 1.25 | -0.79 | 1.19 | 0.02 |
| EPS in Rs | 0.66 | 0.27 | 2.56 | 0.46 | 0.95 | -0.40 | -1.77 | 0.76 | -0.19 | 1.07 | -0.67 | 1.01 | 0.02 |
Last Updated: December 26, 2025, 9:06 pm
Below is a detailed analysis of the quarterly data for Garbi Finvest 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 0.65 Cr.. The value appears to be declining and may need further review. It has decreased from 0.69 Cr. (Jun 2025) to 0.65 Cr., marking a decrease of 0.04 Cr..
- For Expenses, as of Sep 2025, the value is 0.78 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.78 Cr..
- For Operating Profit, as of Sep 2025, the value is -0.13 Cr.. The value appears to be declining and may need further review. It has decreased from -0.09 Cr. (Jun 2025) to -0.13 Cr., marking a decrease of 0.04 Cr..
- For OPM %, as of Sep 2025, the value is -20.00%. The value appears to be declining and may need further review. It has decreased from -13.04% (Jun 2025) to -20.00%, marking a decrease of 6.96%.
- For Other Income, as of Sep 2025, the value is 0.04 Cr.. The value appears to be declining and may need further review. It has decreased from 0.50 Cr. (Jun 2025) to 0.04 Cr., marking a decrease of 0.46 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -0.09 Cr.. The value appears to be declining and may need further review. It has decreased from 0.41 Cr. (Jun 2025) to -0.09 Cr., marking a decrease of 0.50 Cr..
- For Tax %, as of Sep 2025, the value is -122.22%. The value appears to be increasing, which may not be favorable. It has increased from -190.24% (Jun 2025) to -122.22%, marking an increase of 68.02%.
- For Net Profit, as of Sep 2025, the value is 0.02 Cr.. The value appears to be declining and may need further review. It has decreased from 1.19 Cr. (Jun 2025) to 0.02 Cr., marking a decrease of 1.17 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.02. The value appears to be declining and may need further review. It has decreased from 1.01 (Jun 2025) to 0.02, marking a decrease of 0.99.
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, 3:41 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 | 2.10 |
| 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 | 4.75 |
| 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 | -2.65 |
| 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% | -126.19% |
| 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 | 2.69 |
| 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 | 0.04 |
| 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 | 1.67 |
| 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 | 1.43 |
| 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: December 10, 2025, 4:21 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 | 11.73 | 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 | 67.41 |
| 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 | 0.00 |
| 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 | 6.04 |
| 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 | 85.18 |
| 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 | 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 | 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 | 55.13 |
| 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 | 30.05 |
| 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 | 85.18 |
Below is a detailed analysis of the balance sheet data for Garbi Finvest 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 11.73 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 11.73 Cr..
- For Reserves, as of Sep 2025, the value is 67.41 Cr.. The value appears strong and on an upward trend. It has increased from 64.02 Cr. (Mar 2025) to 67.41 Cr., marking an increase of 3.39 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 0.05 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.05 Cr..
- For Other Liabilities, as of Sep 2025, the value is 6.04 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4.38 Cr. (Mar 2025) to 6.04 Cr., marking an increase of 1.66 Cr..
- For Total Liabilities, as of Sep 2025, the value is 85.18 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 80.18 Cr. (Mar 2025) to 85.18 Cr., marking an increase of 5.00 Cr..
- For Fixed Assets, 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 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 55.13 Cr.. The value appears strong and on an upward trend. It has increased from 50.86 Cr. (Mar 2025) to 55.13 Cr., marking an increase of 4.27 Cr..
- For Other Assets, as of Sep 2025, the value is 30.05 Cr.. The value appears strong and on an upward trend. It has increased from 29.32 Cr. (Mar 2025) to 30.05 Cr., marking an increase of 0.73 Cr..
- For Total Assets, as of Sep 2025, the value is 85.18 Cr.. The value appears strong and on an upward trend. It has increased from 80.18 Cr. (Mar 2025) to 85.18 Cr., marking an increase of 5.00 Cr..
Notably, the Reserves (67.41 Cr.) exceed the Borrowings (0.00 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 |
|---|---|
|
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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: 15.81%)
- 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%: 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: 9.2 (Industry average Stock P/E: 52.39)
- 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 | Contact not found |
| 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 13 January 2026) is ₹9.43 which is 28.02% lower the current market price of ₹13.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹15.4 Cr. market cap, FY2025-2026 high/low of ₹17.4/9.17, reserves of ₹67.41 Cr, and liabilities of ₹85.18 Cr.
What is the Market Cap of Garbi Finvest Ltd?
The Market Cap of Garbi Finvest Ltd is 15.4 Cr..
What is the current Stock Price of Garbi Finvest Ltd as on 13 January 2026?
The current stock price of Garbi Finvest Ltd as on 13 January 2026 is ₹13.1.
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 ₹17.4/9.17.
What is the Stock P/E of Garbi Finvest Ltd?
The Stock P/E of Garbi Finvest Ltd is 9.20.
What is the Book Value of Garbi Finvest Ltd?
The Book Value of Garbi Finvest Ltd is 67.5.
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.