Garbi Finvest Ltd: Intrinsic Value & Share Price Analysis

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

Garbi Finvest Ltd is trading at 11.90 as of 30 April 2026, with a FY2026-2027 high of 17.0 and low of 9.17. The stock is currently in the middle of its 52-week range. Market cap stands at 14.0 Cr..

Q: Is Garbi Finvest Ltd financially healthy?

Key indicators: ROCE of 2.27 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Garbi Finvest Ltd profitable and how is the profit trend?

Garbi Finvest Ltd reported a net profit of 1 Cr in Mar 2025 on revenue of 4 Cr. Compared to 30 Cr in Mar 2022, the net profit shows a declining trend.

Fair Value

₹24.59Undervalued by 106.64%vs CMP ₹11.90

P/E (24.0) × ROE (1.9%) × BV (₹67.50) × DY (2.00%)

₹18.22Undervalued by 53.11%vs CMP ₹11.90

MoS: +34.7% (Strong)Confidence: 37/100 (Low)Models: 3 Under, 1 Fair, 3 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹11.22	27%	Fair (-5.7%)
Graham Number	Earnings	₹27.56	19%	Under (+131.6%)
Earnings Power	Earnings	₹10.58	13%	Over (-11.1%)
DCF	Cash Flow	₹4.86	16%	Over (-59.2%)
Net Asset Value	Assets	₹67.27	9%	Under (+465.3%)
Earnings Yield	Earnings	₹5.00	9%	Over (-58%)
ROCE Capital	Returns	₹19.73	9%	Under (+65.8%)
Consensus (7 models)		₹18.22	100%	Undervalued

Key Drivers: EPS CAGR -54.4% drags value — could be higher if earnings stabilize. | ROE 1.9% 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: -54.4%

*Investments are subject to market risks

Analyst Summary

Garbi Finvest Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: GARBIFIN | BSE: 539492, current market price is ₹11.90, market cap is 14.0 Cr.. At a glance, stock P/E is 24.0, ROE is 1.86 %, ROCE is 2.27 %, book value is 67.5, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹18.22, which is about 53.1% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹4 Cr versus the prior period change of -1.2%, while latest net profit is about ₹1 Cr with a prior-period change of 253.3%. The 52-week range shown on this page is 17.0/9.17, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisGarbi Finvest Ltd. is a Public Limited Listed company incorporated on 14/06/1982 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65…

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

Investment Snapshot

Garbi Finvest Ltd scores 50/100 (Average)

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

Stock Health54/100 · Moderate

ROCE 2.3% WeakROE 1.9% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent

Smart Money50/100 · Moderate

Promoter holding at 59.3% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum50/100 · Moderate

Industry Rank45/100 · Moderate

P/E 24.0 vs industry 117.3 Cheaper than peersROCE 2.3% vs industry 15.8% Below peersROE 1.9% vs industry 8.9% 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 26, 2026, 1:33 am

Market Cap	14.0 Cr.
Current Price	11.9
Intrinsic Value	₹18.22
High / Low	17.0/9.17
Stock P/E	24.0
Book Value	67.5
Dividend Yield	0.00 %
ROCE	2.27 %
ROE	1.86 %
Face Value	10.0
PEG Ratio	-0.44

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Garbi Finvest Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Garbi Finvest Ltd	14.0 Cr.	11.9	17.0/9.17	24.0	67.5	0.00 %	2.27 %	1.86 %	10.0
Assam Entrade Ltd	110 Cr.	767	968/485	24.2	452	0.00 %	7.02 %	4.98 %	10.0
SBFC Finance Ltd	10,504 Cr.	94.9	123/79.6	23.3	33.7	0.00 %	11.8 %	13.0 %	10.0
Anupam Finserv Ltd	38.7 Cr.	2.04	3.40/1.69	23.3	1.57	0.00 %	6.61 %	3.68 %	1.00
Amarnath Securities Ltd	4.44 Cr.	14.8	17.9/10.1	24.7	15.2	0.00 %	5.77 %	4.33 %	10.0
Industry Average	25,141.65 Cr	391.47		117.33	513.37	0.24%	15.80%	8.85%	8.50

All Competitor Stocks of Garbi Finvest 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	0.78	3.23	0.44	0.94	0.39	1.17	0.71	1.79	0.81	-0.05	0.69	0.65	0.62
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	0.20	0.23	0.17	0.14	1.14	2.80	0.25	0.35	0.75	2.44	0.78	0.78	0.77
Financing Profit	0.58	3.00	0.27	0.80	-0.75	-1.63	0.46	1.44	0.06	-2.49	-0.09	-0.13	-0.15
Financing Margin %	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%	-24.19%
Other Income	0.00	0.94	0.45	0.45	0.45	0.00	0.45	-0.37	1.05	1.10	0.50	0.04	0.50
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	0.58	3.94	0.72	1.25	-0.30	-1.63	0.91	1.07	1.11	-1.39	0.41	-0.09	0.35
Tax %	44.83%	23.60%	25.00%	10.40%	56.67%	27.61%	3.30%	119.63%	-12.61%	-43.17%	-190.24%	-122.22%	54.29%
Net Profit	0.32	3.00	0.54	1.12	-0.47	-2.08	0.89	-0.22	1.25	-0.79	1.19	0.02	0.16
EPS in Rs	0.27	2.56	0.46	0.95	-0.40	-1.77	0.76	-0.19	1.07	-0.67	1.01	0.02	0.14
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 9:40 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 5:40 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	0.12	0.31	0.61	0.56	1.50	3.13	2.85	2.38	36.53	6.74	4.30	4.25	1.91
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	0.10	0.27	0.47	0.45	0.55	1.70	1.15	0.97	5.30	0.86	4.26	2.67	4.77
Financing 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	-2.86
Financing Margin %	16.67%	12.90%	22.95%	19.64%	63.33%	45.69%	59.65%	59.24%	85.49%	87.24%	0.93%	37.18%	-149.74%
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	2.14
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	-0.72
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	0.58
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	0.50
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 (%)	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: March 3, 2026, 1:02 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	0.00	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	3.17	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

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 +	-1.43	-6.07	2.74	0.58	-17.68	-1.72	-0.66	-0.05	33.23	7.49	-3.08	4.64
Cash from Investing Activity +	-44.58	8.85	-5.48	-0.64	18.08	1.97	0.01	0.06	-32.91	-6.90	3.39	-3.47
Cash from Financing Activity +	45.99	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-1.08	0.00	0.00
Net Cash Flow	-0.02	2.77	-2.73	-0.05	0.40	0.25	-0.65	0.01	0.32	-0.49	0.31	1.17
Free Cash Flow	-1.43	-6.07	2.74	0.57	-17.68	-1.72	-0.66	-0.06	33.23	7.49	-3.08	4.64
CFO/OP	-7,150%	-15,175%	1,986%	536%	-1,861%	-120%	-39%	-4%	106%	127%	-7,700%	311%

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	0.10	0.27	0.47	0.45	0.55	1.70	1.15	0.97	5.30	0.86	4.26	2.62

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	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%

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	62.49%	62.49%	62.49%	62.12%	60.83%	59.28%	59.28%	58.98%	59.28%	59.28%	59.28%	59.28%
Public	37.51%	37.50%	37.50%	37.87%	39.17%	40.71%	40.73%	41.03%	40.72%	40.73%	40.71%	40.72%
No. of Shareholders	1,885	1,888	2,586	2,931	3,079	3,445	3,564	4,213	4,266	4,310	4,430	4,347

Shareholding Pattern Chart

No. of Shareholders

Garbi Finvest 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.)	0.12	-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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Garbi Finvest Ltd. is a Public Limited Listed company incorporated on 14/06/1982 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65100MH1982PLC295894 and registration number is 034972. Currently Company is involved in the business activities of Other monetary intermediation services. Company's Total Operating Revenue is Rs. 4.25 Cr. and Equity Capital is Rs. 11.73 Cr. for the Year ended 31/03/2025.

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 and is it undervalued?

As of 30 April 2026, Garbi Finvest Ltd's intrinsic value is ₹18.22, which is 53.11% higher than the current market price of ₹11.90, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (1.86 %), book value (₹67.5), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Garbi Finvest Ltd?

Garbi Finvest Ltd is trading at ₹11.90 as of 30 April 2026, with a FY2026-2027 high of ₹17.0 and low of ₹9.17. The stock is currently in the middle of its 52-week range. Market cap stands at ₹14.0 Cr..

How does Garbi Finvest Ltd's P/E ratio compare to its industry?

Garbi Finvest Ltd has a P/E ratio of 24.0, which is below the industry average of 117.33. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Garbi Finvest Ltd financially healthy?

Key indicators for Garbi Finvest Ltd: ROCE of 2.27 % is on the lower side compared to the industry average of 15.80%; ROE of 1.86 % is below ideal levels (industry average: 8.85%). Dividend yield is 0.00 %.

Is Garbi Finvest Ltd profitable and how is the profit trend?

Garbi Finvest Ltd reported a net profit of ₹1 Cr in Mar 2025 on revenue of ₹4 Cr. Compared to ₹30 Cr in Mar 2022, the net profit shows a declining trend.

Does Garbi Finvest Ltd pay dividends?

Garbi Finvest Ltd has a dividend yield of 0.00 % at the current price of ₹11.90. The company is currently not paying meaningful dividends.