Share Price and Basic Stock Data
Last Updated: November 4, 2025, 12:00 am
| PEG Ratio | 0.88 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Gilada Finance & Investments Ltd operates within the Non-Banking Financial Company (NBFC) sector and reported a market capitalization of ₹17.5 Cr. The company’s shares traded at ₹12.4, reflecting a price-to-earnings (P/E) ratio of 8.24. Over the past year, Gilada has demonstrated a notable revenue growth trajectory, with reported sales increasing from ₹3.75 Cr in FY 2022 to ₹5.57 Cr in FY 2023, and continuing to ₹6.25 Cr in FY 2024, eventually reaching ₹6.77 Cr in FY 2025. Quarterly sales figures also indicate consistent growth, peaking at ₹1.82 Cr in December 2023, highlighting an upward trend that positions the company favorably against sector averages. The operating profit margin (OPM) stood at a robust 61.68% as of March 2025, indicating effective cost management and operational efficiency. This strong performance is underpinned by a diverse portfolio of financial services, contributing to its resilience in a competitive landscape.
Profitability and Efficiency Metrics
Profitability metrics for Gilada Finance reveal a solid financial performance, with reported net profit rising to ₹2.12 Cr in FY 2025, compared to ₹1.52 Cr in FY 2023. The company achieved a return on equity (ROE) of 9.31% and a return on capital employed (ROCE) of 12.7%, which are substantial figures reflecting effective utilization of capital. Moreover, the interest coverage ratio (ICR) stood at 3.13x, suggesting that the company generates sufficient earnings to cover its interest obligations, a critical indicator of financial health. The operating profit margin (OPM) fluctuated throughout the quarters, with a notable high of 68.18% in September 2023, showcasing the company’s ability to maintain strong profitability amid varying expenses. Despite facing some challenges, such as a dip in operating profit to -₹0.62 Cr in March 2023, the overall trend indicates a recovery and sustained profitability, crucial for attracting further investment.
Balance Sheet Strength and Financial Ratios
Gilada Finance’s balance sheet reflects a growing financial foundation, with total assets reported at ₹34.65 Cr in FY 2025, compared to ₹27.07 Cr in FY 2023. The company maintains reserves of ₹16.97 Cr, which provide a cushion for future growth and stability. Borrowings stood at ₹9.97 Cr, translating to a debt-to-equity ratio of 0.49x, indicating a conservative leverage position compared to typical sector norms. The current ratio of 2.94x suggests strong liquidity, enabling the company to meet short-term obligations comfortably. Furthermore, the book value per share, including revaluation reserves, reached ₹17.08, enhancing shareholder value. Financial ratios such as the price-to-book value (P/BV) at 0.85x indicate that the stock is undervalued relative to its net assets, potentially appealing to value investors. However, the company has experienced variability in certain ratios, such as a decline in ROCE to 12.69% in FY 2025, necessitating close monitoring of operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding structure of Gilada Finance is characterized by a stable promoter holding of 58.77%, reflecting significant insider confidence in the company’s prospects. Public ownership accounts for 41.22%, with approximately 5,916 shareholders as of March 2025, indicating a broad base of retail investors. This distribution suggests a balanced approach to ownership, which can enhance corporate governance and strategic decision-making. The number of shareholders peaked at 7,160 in December 2022 but has since stabilized, demonstrating a resilient investor interest despite market fluctuations. However, the absence of Foreign Institutional Investors (FIIs) may indicate a lack of international interest, which could limit potential capital inflow. The consistent shareholding percentage highlights investor confidence in the company’s long-term growth strategy; nevertheless, attracting institutional investment would further strengthen its market position and liquidity.
Outlook, Risks, and Final Insight
Looking ahead, Gilada Finance is poised for further growth, driven by its solid revenue trajectory and robust profitability metrics. However, risks such as potential fluctuations in interest rates and economic downturns could impact its borrowing costs and overall financial performance. Additionally, the company’s reliance on the domestic market exposes it to regional economic vulnerabilities. Strengths such as low debt levels and high operating margins position Gilada favorably within the NBFC sector, providing a buffer against economic headwinds. The company’s ability to maintain its operational efficiency and profitability amid challenges will be crucial for sustaining investor confidence. If Gilada can successfully diversify its funding sources and attract institutional investments, it could significantly enhance its market presence and financial resilience, ultimately benefiting shareholders.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Gilada Finance & Investments Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.2 Cr. | 1.32 | 1.91/0.85 | 88.0 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 10.9 Cr. | 1.09 | 14.3/1.06 | 32.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 528 Cr. | 162 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.4 Cr. | 18.9 | 39.8/17.5 | 13.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 43.6 Cr. | 96.8 | 180/90.0 | 23.3 | 238 | 1.03 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,095.21 Cr | 481.49 | 106.37 | 515.32 | 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 | 1.04 | 1.15 | 1.29 | 0.85 | 1.31 | 1.54 | 1.82 | 1.48 | 1.67 | 1.60 | 1.71 | 1.79 | 1.67 |
| Expenses | 0.56 | 0.48 | 0.63 | 1.47 | 0.58 | 0.49 | 0.58 | 1.23 | 0.66 | 0.64 | 0.65 | 0.81 | 0.64 |
| Operating Profit | 0.48 | 0.67 | 0.66 | -0.62 | 0.73 | 1.05 | 1.24 | 0.25 | 1.01 | 0.96 | 1.06 | 0.98 | 1.03 |
| OPM % | 46.15% | 58.26% | 51.16% | -72.94% | 55.73% | 68.18% | 68.13% | 16.89% | 60.48% | 60.00% | 61.99% | 54.75% | 61.68% |
| Other Income | 0.00 | 0.00 | 0.00 | 1.48 | 0.07 | 0.04 | 0.01 | 0.25 | 0.10 | 0.14 | 0.05 | 0.04 | 0.04 |
| Interest | 0.04 | 0.21 | 0.18 | 0.16 | 0.21 | 0.28 | 0.45 | 0.35 | 0.38 | 0.35 | 0.44 | 0.22 | 0.33 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.01 |
| Profit before tax | 0.43 | 0.45 | 0.47 | 0.70 | 0.58 | 0.80 | 0.79 | 0.14 | 0.72 | 0.74 | 0.66 | 0.76 | 0.73 |
| Tax % | 25.58% | 24.44% | 25.53% | 27.14% | 25.86% | 25.00% | 25.32% | 57.14% | 25.00% | 25.68% | 25.76% | 30.26% | 24.66% |
| Net Profit | 0.32 | 0.34 | 0.35 | 0.50 | 0.44 | 0.60 | 0.60 | 0.07 | 0.55 | 0.55 | 0.50 | 0.53 | 0.54 |
| EPS in Rs | 0.23 | 0.24 | 0.25 | 0.36 | 0.31 | 0.43 | 0.43 | 0.05 | 0.39 | 0.39 | 0.36 | 0.38 | 0.38 |
Last Updated: August 19, 2025, 2:40 pm
Below is a detailed analysis of the quarterly data for Gilada Finance & Investments 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 1.67 Cr.. The value appears to be declining and may need further review. It has decreased from 1.79 Cr. (Mar 2025) to 1.67 Cr., marking a decrease of 0.12 Cr..
- For Expenses, as of Jun 2025, the value is 0.64 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.81 Cr. (Mar 2025) to 0.64 Cr., marking a decrease of 0.17 Cr..
- For Operating Profit, as of Jun 2025, the value is 1.03 Cr.. The value appears strong and on an upward trend. It has increased from 0.98 Cr. (Mar 2025) to 1.03 Cr., marking an increase of 0.05 Cr..
- For OPM %, as of Jun 2025, the value is 61.68%. The value appears strong and on an upward trend. It has increased from 54.75% (Mar 2025) to 61.68%, marking an increase of 6.93%.
- For Other Income, as of Jun 2025, the value is 0.04 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.04 Cr..
- For Interest, as of Jun 2025, the value is 0.33 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.22 Cr. (Mar 2025) to 0.33 Cr., marking an increase of 0.11 Cr..
- For Depreciation, as of Jun 2025, the value is 0.01 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.04 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.03 Cr..
- For Profit before tax, as of Jun 2025, the value is 0.73 Cr.. The value appears to be declining and may need further review. It has decreased from 0.76 Cr. (Mar 2025) to 0.73 Cr., marking a decrease of 0.03 Cr..
- For Tax %, as of Jun 2025, the value is 24.66%. The value appears to be improving (decreasing) as expected. It has decreased from 30.26% (Mar 2025) to 24.66%, marking a decrease of 5.60%.
- For Net Profit, as of Jun 2025, the value is 0.54 Cr.. The value appears strong and on an upward trend. It has increased from 0.53 Cr. (Mar 2025) to 0.54 Cr., marking an increase of 0.01 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.38. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.38.
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, 3:15 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 | 1.96 | 1.97 | 2.06 | 2.53 | 2.60 | 3.29 | 3.46 | 3.36 | 3.75 | 5.57 | 6.25 | 6.77 | 6.77 |
| Expenses | 0.32 | 0.42 | 0.74 | 0.32 | 1.18 | 2.47 | 1.82 | 1.85 | 2.04 | 3.03 | 2.81 | 2.74 | 2.74 |
| Operating Profit | 1.64 | 1.55 | 1.32 | 2.21 | 1.42 | 0.82 | 1.64 | 1.51 | 1.71 | 2.54 | 3.44 | 4.03 | 4.03 |
| OPM % | 83.67% | 78.68% | 64.08% | 87.35% | 54.62% | 24.92% | 47.40% | 44.94% | 45.60% | 45.60% | 55.04% | 59.53% | 59.53% |
| Other Income | -0.11 | -0.00 | -0.05 | -0.40 | -0.27 | 0.01 | -0.32 | 0.01 | 0.01 | 0.24 | 0.26 | 0.31 | 0.27 |
| Interest | 0.18 | 0.04 | 0.03 | 0.06 | 0.02 | 0.03 | 0.08 | 0.07 | 0.07 | 0.70 | 1.34 | 1.39 | 1.34 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.41 | 0.05 | 0.10 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 | 0.05 | 0.07 |
| Profit before tax | 1.34 | 1.50 | 1.23 | 1.34 | 1.08 | 0.70 | 1.20 | 1.42 | 1.61 | 2.05 | 2.33 | 2.90 | 2.89 |
| Tax % | 32.09% | 32.67% | 33.33% | 32.09% | 29.63% | 11.43% | 22.50% | 30.99% | 18.01% | 25.85% | 27.04% | 26.55% | |
| Net Profit | 0.90 | 1.00 | 0.82 | 0.91 | 0.76 | 0.63 | 0.93 | 0.98 | 1.33 | 1.52 | 1.70 | 2.13 | 2.12 |
| EPS in Rs | 0.64 | 0.71 | 0.59 | 0.65 | 0.54 | 0.45 | 0.66 | 0.70 | 0.95 | 1.08 | 1.21 | 1.52 | 1.51 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | 11.55% | -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 (%) | 11.11% | -18.00% | 10.98% | -16.48% | -17.11% | 47.62% | 5.38% | 35.71% | 14.29% | 11.84% | 25.29% |
| Change in YoY Net Profit Growth (%) | 0.00% | -29.11% | 28.98% | -27.46% | -0.62% | 64.72% | -42.24% | 30.34% | -21.43% | -2.44% | 13.45% |
Gilada Finance & Investments 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: | 13% |
| 5 Years: | 14% |
| 3 Years: | 22% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 13% |
| 3 Years: | 17% |
| TTM: | 16% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 35% |
| 3 Years: | -7% |
| 1 Year: | 6% |
| Return on Equity | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 8% |
| 3 Years: | 8% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 3:36 pm
Balance Sheet
Last Updated: October 10, 2025, 4:09 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 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 7.02 | 7.02 | 7.02 |
| Reserves | 8.53 | 9.51 | 10.10 | 11.04 | 12.93 | 13.31 | 14.24 | 15.22 | 16.50 | 13.27 | 14.97 | 16.97 |
| Borrowings | 0.47 | 0.41 | 0.32 | 0.31 | 0.30 | 0.78 | 0.71 | 0.65 | 0.70 | 6.57 | 11.99 | 9.97 |
| Other Liabilities | 0.32 | 0.27 | 0.28 | 0.33 | 0.27 | 0.34 | 0.41 | 0.42 | 0.14 | 0.21 | 1.03 | 0.69 |
| Total Liabilities | 12.83 | 13.70 | 14.21 | 15.19 | 17.01 | 17.94 | 18.87 | 19.80 | 20.85 | 27.07 | 35.01 | 34.65 |
| Fixed Assets | 0.05 | 0.04 | 0.06 | 0.14 | 0.17 | 0.09 | 0.07 | 4.03 | 4.03 | 4.02 | 4.02 | 4.12 |
| 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 | 0.08 | 0.06 | 0.06 | 0.06 | 0.19 | 0.19 | 0.14 | 0.01 | 0.01 | 0.06 | 0.06 | 0.06 |
| Other Assets | 12.70 | 13.60 | 14.09 | 14.99 | 16.65 | 17.66 | 18.66 | 15.76 | 16.81 | 22.99 | 30.93 | 30.47 |
| Total Assets | 12.83 | 13.70 | 14.21 | 15.19 | 17.01 | 17.94 | 18.87 | 19.80 | 20.85 | 27.07 | 35.01 | 34.65 |
Below is a detailed analysis of the balance sheet data for Gilada Finance & Investments 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 7.02 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 7.02 Cr..
- For Reserves, as of Mar 2025, the value is 16.97 Cr.. The value appears strong and on an upward trend. It has increased from 14.97 Cr. (Mar 2024) to 16.97 Cr., marking an increase of 2.00 Cr..
- For Borrowings, as of Mar 2025, the value is 9.97 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 11.99 Cr. (Mar 2024) to 9.97 Cr., marking a decrease of 2.02 Cr..
- For Other Liabilities, as of Mar 2025, the value is 0.69 Cr.. The value appears to be improving (decreasing). It has decreased from 1.03 Cr. (Mar 2024) to 0.69 Cr., marking a decrease of 0.34 Cr..
- For Total Liabilities, as of Mar 2025, the value is 34.65 Cr.. The value appears to be improving (decreasing). It has decreased from 35.01 Cr. (Mar 2024) to 34.65 Cr., marking a decrease of 0.36 Cr..
- For Fixed Assets, as of Mar 2025, the value is 4.12 Cr.. The value appears strong and on an upward trend. It has increased from 4.02 Cr. (Mar 2024) to 4.12 Cr., marking an increase of 0.10 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 0.06 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.06 Cr..
- For Other Assets, as of Mar 2025, the value is 30.47 Cr.. The value appears to be declining and may need further review. It has decreased from 30.93 Cr. (Mar 2024) to 30.47 Cr., marking a decrease of 0.46 Cr..
- For Total Assets, as of Mar 2025, the value is 34.65 Cr.. The value appears to be declining and may need further review. It has decreased from 35.01 Cr. (Mar 2024) to 34.65 Cr., marking a decrease of 0.36 Cr..
Notably, the Reserves (16.97 Cr.) exceed the Borrowings (9.97 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 - No data available for this post.
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 | 1.17 | 1.14 | 1.00 | 1.90 | 1.12 | 0.04 | 0.93 | 0.86 | 1.01 | -4.03 | -8.55 | -5.94 |
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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 608.95 | 613.27 | 627.23 | 526.58 | 600.85 | 370.55 | 314.36 | -6.52 | 28.23 | 20.31 | -19.86 | -15.10 |
| ROCE % | 13.07% | 12.03% | 9.58% | 12.50% | 8.67% | 4.25% | 9.04% | 7.88% | 8.38% | 11.56% | 12.13% | 12.69% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 5.00 | 5.00 | 5.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.52 | 1.21 | 1.08 | 3.78 | 2.80 |
| Diluted EPS (Rs.) | 1.52 | 1.21 | 1.08 | 3.61 | 2.80 |
| Cash EPS (Rs.) | 1.55 | 1.23 | 1.10 | 3.88 | 2.90 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 14.36 | 12.94 | 11.73 | 46.11 | 53.34 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 17.08 | 15.66 | 14.44 | 56.98 | 53.34 |
| Revenue From Operations / Share (Rs.) | 4.82 | 4.45 | 3.19 | 10.68 | 9.56 |
| PBDIT / Share (Rs.) | 3.09 | 2.60 | 1.90 | 4.88 | 5.87 |
| PBIT / Share (Rs.) | 3.05 | 2.58 | 1.88 | 4.78 | 5.77 |
| PBT / Share (Rs.) | 2.06 | 1.66 | 1.46 | 4.60 | 4.04 |
| Net Profit / Share (Rs.) | 1.52 | 1.21 | 1.08 | 3.78 | 2.80 |
| PBDIT Margin (%) | 64.03 | 58.37 | 59.63 | 45.72 | 61.34 |
| PBIT Margin (%) | 63.25 | 57.95 | 58.97 | 44.78 | 60.30 |
| PBT Margin (%) | 42.78 | 37.34 | 45.65 | 43.08 | 42.20 |
| Net Profit Margin (%) | 31.45 | 27.25 | 33.80 | 35.38 | 29.23 |
| Return on Networth / Equity (%) | 10.55 | 9.37 | 9.20 | 8.19 | 5.24 |
| Return on Capital Employeed (%) | 17.63 | 16.22 | 13.02 | 8.38 | 10.70 |
| Return On Assets (%) | 6.14 | 4.86 | 5.60 | 6.36 | 4.95 |
| Total Debt / Equity (X) | 0.49 | 0.65 | 0.39 | 0.04 | 0.03 |
| Asset Turnover Ratio (%) | 0.19 | 0.20 | 0.18 | 0.18 | 0.17 |
| Current Ratio (X) | 2.94 | 2.44 | 3.40 | 20.09 | 4.80 |
| Quick Ratio (X) | 2.94 | 2.44 | 3.40 | 20.09 | 0.45 |
| Interest Coverage Ratio (X) | 3.13 | 2.83 | 4.48 | 26.87 | 29.50 |
| Interest Coverage Ratio (Post Tax) (X) | 2.54 | 2.32 | 3.54 | 21.79 | 22.76 |
| Enterprise Value (Cr.) | 26.92 | 26.41 | 21.86 | 11.23 | 15.72 |
| EV / Net Operating Revenue (X) | 3.98 | 4.22 | 4.87 | 2.99 | 4.68 |
| EV / EBITDA (X) | 6.21 | 7.23 | 8.17 | 6.55 | 7.63 |
| MarketCap / Net Operating Revenue (X) | 2.55 | 2.41 | 4.10 | 3.02 | 4.50 |
| Price / BV (X) | 0.85 | 0.82 | 1.12 | 0.69 | 0.80 |
| Price / Net Operating Revenue (X) | 2.56 | 2.41 | 4.10 | 3.02 | 4.50 |
| EarningsYield | 0.12 | 0.11 | 0.08 | 0.11 | 0.06 |
After reviewing the key financial ratios for Gilada Finance & Investments Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 1.52. This value is below the healthy minimum of 5. It has increased from 1.21 (Mar 24) to 1.52, marking an increase of 0.31.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.52. This value is below the healthy minimum of 5. It has increased from 1.21 (Mar 24) to 1.52, marking an increase of 0.31.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.55. This value is below the healthy minimum of 3. It has increased from 1.23 (Mar 24) to 1.55, marking an increase of 0.32.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.36. It has increased from 12.94 (Mar 24) to 14.36, marking an increase of 1.42.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 17.08. It has increased from 15.66 (Mar 24) to 17.08, marking an increase of 1.42.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 4.82. It has increased from 4.45 (Mar 24) to 4.82, marking an increase of 0.37.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 3.09. This value is within the healthy range. It has increased from 2.60 (Mar 24) to 3.09, marking an increase of 0.49.
- For PBIT / Share (Rs.), as of Mar 25, the value is 3.05. This value is within the healthy range. It has increased from 2.58 (Mar 24) to 3.05, marking an increase of 0.47.
- For PBT / Share (Rs.), as of Mar 25, the value is 2.06. This value is within the healthy range. It has increased from 1.66 (Mar 24) to 2.06, marking an increase of 0.40.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.52. This value is below the healthy minimum of 2. It has increased from 1.21 (Mar 24) to 1.52, marking an increase of 0.31.
- For PBDIT Margin (%), as of Mar 25, the value is 64.03. This value is within the healthy range. It has increased from 58.37 (Mar 24) to 64.03, marking an increase of 5.66.
- For PBIT Margin (%), as of Mar 25, the value is 63.25. This value exceeds the healthy maximum of 20. It has increased from 57.95 (Mar 24) to 63.25, marking an increase of 5.30.
- For PBT Margin (%), as of Mar 25, the value is 42.78. This value is within the healthy range. It has increased from 37.34 (Mar 24) to 42.78, marking an increase of 5.44.
- For Net Profit Margin (%), as of Mar 25, the value is 31.45. This value exceeds the healthy maximum of 10. It has increased from 27.25 (Mar 24) to 31.45, marking an increase of 4.20.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.55. This value is below the healthy minimum of 15. It has increased from 9.37 (Mar 24) to 10.55, marking an increase of 1.18.
- For Return on Capital Employeed (%), as of Mar 25, the value is 17.63. This value is within the healthy range. It has increased from 16.22 (Mar 24) to 17.63, marking an increase of 1.41.
- For Return On Assets (%), as of Mar 25, the value is 6.14. This value is within the healthy range. It has increased from 4.86 (Mar 24) to 6.14, marking an increase of 1.28.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.49. This value is within the healthy range. It has decreased from 0.65 (Mar 24) to 0.49, marking a decrease of 0.16.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.19. It has decreased from 0.20 (Mar 24) to 0.19, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 2.94. This value is within the healthy range. It has increased from 2.44 (Mar 24) to 2.94, marking an increase of 0.50.
- For Quick Ratio (X), as of Mar 25, the value is 2.94. This value exceeds the healthy maximum of 2. It has increased from 2.44 (Mar 24) to 2.94, marking an increase of 0.50.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 3.13. This value is within the healthy range. It has increased from 2.83 (Mar 24) to 3.13, marking an increase of 0.30.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 2.54. This value is below the healthy minimum of 3. It has increased from 2.32 (Mar 24) to 2.54, marking an increase of 0.22.
- For Enterprise Value (Cr.), as of Mar 25, the value is 26.92. It has increased from 26.41 (Mar 24) to 26.92, marking an increase of 0.51.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.98. This value exceeds the healthy maximum of 3. It has decreased from 4.22 (Mar 24) to 3.98, marking a decrease of 0.24.
- For EV / EBITDA (X), as of Mar 25, the value is 6.21. This value is within the healthy range. It has decreased from 7.23 (Mar 24) to 6.21, marking a decrease of 1.02.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.55. This value is within the healthy range. It has increased from 2.41 (Mar 24) to 2.55, marking an increase of 0.14.
- For Price / BV (X), as of Mar 25, the value is 0.85. This value is below the healthy minimum of 1. It has increased from 0.82 (Mar 24) to 0.85, marking an increase of 0.03.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.56. This value is within the healthy range. It has increased from 2.41 (Mar 24) to 2.56, marking an increase of 0.15.
- For EarningsYield, as of Mar 25, the value is 0.12. This value is below the healthy minimum of 5. It has increased from 0.11 (Mar 24) to 0.12, marking an increase of 0.01.
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 Gilada Finance & Investments Ltd:
- Net Profit Margin: 31.45%
- 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: 17.63% (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%: 10.55% (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): 2.54
- 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: 2.94
- 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: 8.51 (Industry average Stock P/E: 106.37)
- 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: 0.49
- 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: 31.45%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | #105, R.R. Takt , Bengaluru Karnataka 560094 | cs@giladagroup.com http://www.giladafinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Rajgopal Shankarlal Gilada | Managing Director |
| Mr. Sampat Kumar Gilada | Whole Time Director |
| Mrs. Bindu Rajgopal Gilada | Non Executive Woman Director |
| Mr. K V Prabhakar | Independent Director |
| Mr. D N Gopal | Independent Director |
| Mr. A Ramanathan | Independent Director |
FAQ
What is the intrinsic value of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd's intrinsic value (as of 03 November 2025) is 11.06 which is 13.59% lower the current market price of 12.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 18.0 Cr. market cap, FY2025-2026 high/low of 14.0/9.30, reserves of ₹16.97 Cr, and liabilities of 34.65 Cr.
What is the Market Cap of Gilada Finance & Investments Ltd?
The Market Cap of Gilada Finance & Investments Ltd is 18.0 Cr..
What is the current Stock Price of Gilada Finance & Investments Ltd as on 03 November 2025?
The current stock price of Gilada Finance & Investments Ltd as on 03 November 2025 is 12.8.
What is the High / Low of Gilada Finance & Investments Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Gilada Finance & Investments Ltd stocks is 14.0/9.30.
What is the Stock P/E of Gilada Finance & Investments Ltd?
The Stock P/E of Gilada Finance & Investments Ltd is 8.51.
What is the Book Value of Gilada Finance & Investments Ltd?
The Book Value of Gilada Finance & Investments Ltd is 17.1.
What is the Dividend Yield of Gilada Finance & Investments Ltd?
The Dividend Yield of Gilada Finance & Investments Ltd is 0.00 %.
What is the ROCE of Gilada Finance & Investments Ltd?
The ROCE of Gilada Finance & Investments Ltd is 12.7 %.
What is the ROE of Gilada Finance & Investments Ltd?
The ROE of Gilada Finance & Investments Ltd is 9.31 %.
What is the Face Value of Gilada Finance & Investments Ltd?
The Face Value of Gilada Finance & Investments Ltd is 5.00.