Share Price and Basic Stock Data
Last Updated: February 10, 2026, 10:27 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 in the non-banking financial company (NBFC) sector, with its stock currently priced at ₹13.00 and a market capitalization of ₹15.2 Cr. The company’s revenue has demonstrated significant fluctuations over recent quarters, with a notable peak of ₹3.23 Cr in March 2023, followed by a decline to ₹0.44 Cr in June 2023. Revenue rose again to ₹0.94 Cr in September 2023 but dipped to ₹0.39 Cr in December 2023. The overall sales for FY 2025 stood at ₹4.25 Cr, a decline from ₹6.74 Cr in FY 2024. The trailing twelve months (TTM) revenue is recorded at ₹2.10 Cr, indicating ongoing challenges in revenue consistency. The company’s revenue from operations per share for March 2025 was ₹3.63, reflecting the need for improved operational efficiency. The absence of interest income across reported periods suggests a conservative approach to leveraging and financing strategies, which could impact growth potential in the competitive NBFC landscape.
Profitability and Efficiency Metrics
Garbi Finvest’s profitability metrics show variability, with a net profit of ₹1.67 Cr reported, translating to a P/E ratio of 9.10. The company recorded a net profit margin of 32.48% for March 2025, a marked improvement from a negative margin of -20.87% the previous year. The return on equity (ROE) stood at 1.86%, while return on capital employed (ROCE) was reported at 2.27%. This indicates that while the company has managed to generate profits, the returns on equity and capital employed remain low compared to industry averages, which typically range higher for financially robust NBFCs. The interest coverage ratio (ICR) of 526.88x reflects strong earnings relative to interest obligations, yet the lack of interest income raises concerns about long-term sustainability. Overall, the operating profit margin (OPM) was not applicable, indicating a need for better cost management strategies going forward.
Balance Sheet Strength and Financial Ratios
Garbi Finvest’s balance sheet reveals a conservative borrowing strategy, with total borrowings recorded at ₹0.00 Cr for multiple periods, indicating no reliance on external debt. Reserves have increased to ₹67.41 Cr by September 2025, showing a strong retained earnings position. The company’s total assets stood at ₹85.18 Cr, reflecting a robust asset base. The price-to-book value (P/BV) ratio is notably low at 0.15x, which could indicate undervaluation or lack of investor confidence compared to sector norms. The current ratio of 911.09x and quick ratio of 911.09x signal excellent liquidity management, far exceeding typical industry benchmarks. However, the asset turnover ratio of 0.05% suggests inefficiencies in utilizing assets to generate revenue. The overall financial ratios indicate a stable foundation but highlight the need for improved asset utilization to enhance operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Garbi Finvest shows a significant promoter holding of 59.28% as of September 2025, reflecting a strong commitment from the management. Public ownership stands at 40.72%, indicating a healthy distribution of shares among retail investors, with a total of 4,347 shareholders. The gradual decline in promoter holding from 62.49% in March 2023 to the current figure suggests potential dilution or strategic share sales. This could raise concerns among investors regarding management’s confidence in future growth prospects. The increase in the number of shareholders from 1,885 in March 2023 to 4,347 by September 2025 indicates growing interest in the stock, which may enhance liquidity. However, the lack of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could imply a lack of institutional confidence, which is often crucial for stock stability and growth.
Outlook, Risks, and Final Insight
The outlook for Garbi Finvest hinges on its ability to stabilize revenue generation and improve profitability metrics. Key strengths include a solid reserve base and a high interest coverage ratio, which provide financial flexibility. However, risks include low ROE and ROCE figures, which may deter potential investors, along with significant fluctuations in revenue that could impact operational sustainability. The absence of borrowings provides a cushion against debt-related risks but may limit growth opportunities if the company does not leverage its strong balance sheet. Moving forward, Garbi Finvest must enhance asset utilization and manage operational costs efficiently to improve profitability. Should the company successfully navigate these challenges, it could position itself for growth in the competitive NBFC sector, attracting institutional investors and enhancing shareholder value.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.3 Cr. | 1.33 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.42 Cr. | 0.64 | 4.08/0.58 | 18.9 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 389 Cr. | 59.8 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.9 Cr. | 16.2 | 24.7/14.8 | 12.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.8 Cr. | 63.9 | 138/57.6 | 15.5 | 238 | 1.56 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,720.71 Cr | 393.63 | 73.70 | 514.92 | 0.22% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| 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 |
| Financing 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 |
| Financing Margin % | 74.39% | 74.36% | 92.88% | 61.36% | 85.11% | -192.31% | -139.32% | 64.79% | 80.45% | 7.41% | 4,980.00% | -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 |
| 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 9:16 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 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 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 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 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: February 1, 2026, 2:51 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 |
| Borrowing | 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 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..
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: 9.1 (Industry average Stock P/E: 73.7)
- 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 11 February 2026) is ₹5.25 which is 59.62% lower the current market price of ₹13.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹15.2 Cr. market cap, FY2025-2026 high/low of ₹17.0/9.17, 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 15.2 Cr..
What is the current Stock Price of Garbi Finvest Ltd as on 11 February 2026?
The current stock price of Garbi Finvest Ltd as on 11 February 2026 is ₹13.0.
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 ₹17.0/9.17.
What is the Stock P/E of Garbi Finvest Ltd?
The Stock P/E of Garbi Finvest Ltd is 9.10.
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.