Share Price and Basic Stock Data
Last Updated: December 8, 2025, 4:47 pm
| PEG Ratio | 0.96 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Gilada Finance & Investments Ltd operates in the non-banking financial company (NBFC) sector, a space that has been pivotal in supporting India’s burgeoning credit needs. As of March 2025, the company’s revenue from operations stood at ₹6.77 Cr, marking a steady increase from ₹5.57 Cr in the previous year. This growth trajectory has been underscored by a series of quarterly performances, with sales rising from ₹1.04 Cr in June 2022 to ₹1.82 Cr by December 2023. Such figures reflect a robust demand for its financial products, coupled with a strategic focus on expanding its operational footprint. However, the fluctuations observed in quarterly sales, particularly the dip to ₹0.85 Cr in March 2023, indicate potential seasonal or cyclical influences that investors should monitor closely. Overall, Gilada’s ability to consistently generate revenue amidst challenges appears commendable, positioning it favorably within the competitive landscape of NBFCs.
Profitability and Efficiency Metrics
Profitability metrics for Gilada Finance showcase its operational efficiency, particularly its operating profit margin (OPM), which stood at an impressive 59.53% for FY 2025. This high margin reflects the company’s effective cost management strategies, as operating expenses remained relatively stable even amid revenue growth. Net profit for the same period was reported at ₹2.13 Cr, up from ₹1.52 Cr the previous year, demonstrating a clear upward trend in profitability. However, a notable outlier was the operating loss in March 2023, where OPM declined to -72.94%, raising questions about the impact of external factors or internal inefficiencies during that quarter. Nevertheless, the interest coverage ratio (ICR) of 3.13x indicates that the company is comfortably managing its interest obligations, which is crucial for a finance company. This blend of strong profitability and operational efficiency is a positive signal for investors looking for stability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Gilada Finance reflects a solid financial foundation, particularly with a total borrowing level of ₹9.64 Cr against reserves of ₹18.09 Cr. This ratio indicates a comfortable leverage position, with a debt-to-equity ratio of just 0.49, suggesting that the company is not overly reliant on debt to fuel its growth. The current ratio of 2.94 further underscores this strength, indicating a healthy liquidity position that can cover short-term liabilities. However, the company’s price-to-book value ratio of 0.85x suggests that it may be undervalued relative to its book value, which could attract value-focused investors. While the current financial metrics are promising, the increasing borrowings from ₹6.57 Cr in FY 2023 to ₹11.99 Cr in FY 2024 should be monitored closely to ensure that the growth in debt does not outpace the growth in returns.
Shareholding Pattern and Investor Confidence
Investor confidence in Gilada Finance appears stable, as evidenced by the consistent shareholding pattern. Promoters hold 58.77% of the equity, which provides a strong alignment of interests between management and shareholders. Meanwhile, public shareholding stands at 41.23%, reflecting a healthy distribution of ownership among retail investors. The number of shareholders has fluctuated, reaching 5,887 as of March 2025, indicating a slight decline from earlier periods. This could be attributed to market dynamics or investor sentiment towards the broader NBFC sector. The absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could be seen as a double-edged sword; while it may reflect a lack of institutional interest, it also leaves room for potential inflows should the company continue to demonstrate strong performance and growth prospects.
Outlook, Risks, and Final Insight
Looking ahead, Gilada Finance’s prospects seem promising, but they are not without risks. The company’s ability to maintain profitability amidst operational challenges, particularly highlighted by the quarterly fluctuations in sales and OPM, will be critical. Additionally, the rising borrowings could pose a risk if not managed prudently, especially in a fluctuating interest rate environment. Investors should also consider the competitive pressures within the NBFC sector as new players and regulations emerge. On the positive side, the company’s strong financial ratios, efficient operations, and solid balance sheet provide a cushion against potential downturns. For an investor, Gilada Finance presents a case of cautious optimism—while the fundamentals are solid, close monitoring of market conditions and internal performance metrics will be essential to navigate the risks and capitalize on growth opportunities.
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 | 11.1 Cr. | 1.11 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.84 Cr. | 0.98 | 9.18/0.85 | 28.9 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 437 Cr. | 134 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 35.2/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 35.4 Cr. | 78.8 | 176/74.8 | 19.0 | 238 | 1.27 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,198.34 Cr | 445.50 | 53.32 | 522.84 | 0.22% | 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: December 4, 2025, 2:57 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 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 3.51 | 7.02 | 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 | 18.09 |
| 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 | 9.64 |
| 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 | 1.25 |
| 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 | 36.00 |
| 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 | 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 | 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 | 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 | 31.82 |
| 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 | 36.00 |
Below is a detailed analysis of the balance sheet data for Gilada Finance & Investments 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 7.02 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 7.02 Cr..
- For Reserves, as of Sep 2025, the value is 18.09 Cr.. The value appears strong and on an upward trend. It has increased from 16.97 Cr. (Mar 2025) to 18.09 Cr., marking an increase of 1.12 Cr..
- For Borrowings, as of Sep 2025, the value is 9.64 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 9.97 Cr. (Mar 2025) to 9.64 Cr., marking a decrease of 0.33 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1.25 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.69 Cr. (Mar 2025) to 1.25 Cr., marking an increase of 0.56 Cr..
- For Total Liabilities, as of Sep 2025, the value is 36.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 34.65 Cr. (Mar 2025) to 36.00 Cr., marking an increase of 1.35 Cr..
- For Fixed Assets, as of Sep 2025, the value is 4.12 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 4.12 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 0.06 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.06 Cr..
- For Other Assets, as of Sep 2025, the value is 31.82 Cr.. The value appears strong and on an upward trend. It has increased from 30.47 Cr. (Mar 2025) to 31.82 Cr., marking an increase of 1.35 Cr..
- For Total Assets, as of Sep 2025, the value is 36.00 Cr.. The value appears strong and on an upward trend. It has increased from 34.65 Cr. (Mar 2025) to 36.00 Cr., marking an increase of 1.35 Cr..
Notably, the Reserves (18.09 Cr.) exceed the Borrowings (9.64 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: 8.76%)
- 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: 9.35 (Industry average Stock P/E: 39.34)
- 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%
FAQ
What is the intrinsic value of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd's intrinsic value (as of 08 December 2025) is 12.71 which is 11.74% lower the current market price of 14.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 20.2 Cr. market cap, FY2025-2026 high/low of 23.8/9.30, reserves of ₹18.09 Cr, and liabilities of 36.00 Cr.
What is the Market Cap of Gilada Finance & Investments Ltd?
The Market Cap of Gilada Finance & Investments Ltd is 20.2 Cr..
What is the current Stock Price of Gilada Finance & Investments Ltd as on 08 December 2025?
The current stock price of Gilada Finance & Investments Ltd as on 08 December 2025 is 14.4.
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 23.8/9.30.
What is the Stock P/E of Gilada Finance & Investments Ltd?
The Stock P/E of Gilada Finance & Investments Ltd is 9.35.
What is the Book Value of Gilada Finance & Investments Ltd?
The Book Value of Gilada Finance & Investments Ltd is 17.9.
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.