Share Price and Basic Stock Data
Last Updated: February 6, 2026, 4:29 pm
| PEG Ratio | 0.88 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Gilada Finance & Investments Ltd operates as a Non-Banking Financial Company (NBFC) and has shown a steady revenue trend over recent quarters. The company’s revenue stood at ₹1.15 Cr in September 2022 and increased to ₹1.54 Cr by September 2023, reflecting a growth trajectory that culminated in ₹1.82 Cr in December 2023. The trailing twelve months (TTM) revenue reached ₹6.90 Cr, indicating a robust performance against previous fiscal years. A comparison of quarterly revenues shows fluctuations, with the lowest quarterly revenue of ₹0.85 Cr reported in March 2023, likely influenced by seasonal factors or operational adjustments. The revenue growth is supported by a financing profit that recorded ₹0.77 Cr in September 2023, highlighting the company’s ability to generate income from its financial services. Overall, Gilada’s revenue performance exemplifies resilience, especially in the face of a competitive NBFC landscape.
Profitability and Efficiency Metrics
Profitability metrics for Gilada Finance indicate a solid performance, with a net profit of ₹2.14 Cr and a net profit margin of 31.45% for the fiscal year ending March 2025. The interest coverage ratio (ICR) stood at 3.13x, showcasing the company’s ability to cover its interest obligations comfortably. The return on equity (ROE) was reported at 9.31%, which is competitive compared to typical sector benchmarks. The gross operating profit margin (OPM) is not applicable (N/A), but the operating profit margin for the fiscal year 2025 was recorded at 59.53%, indicating efficient cost management. However, the company’s financing margin saw a significant decline in March 2023 to -91.76%, before rebounding to 50.00% in September 2023. This volatility in financing margins is a concern, suggesting potential challenges in maintaining consistent profitability amidst fluctuating interest rates or market conditions.
Balance Sheet Strength and Financial Ratios
Gilada Finance’s balance sheet reflects a strengthening position, with total assets amounting to ₹36.00 Cr as of September 2025. The company’s reserves increased to ₹18.09 Cr, indicating a solid foundation for future growth. The debt-to-equity ratio stood at 0.49x, suggesting a conservative leverage approach compared to typical industry standards, which often hover around 1.0x. This low leverage enhances financial stability, allowing Gilada to navigate economic fluctuations effectively. The current ratio was reported at 2.94x, emphasizing strong liquidity, and the quick ratio matched this figure, indicating efficient management of short-term obligations. However, the company has recorded significant fluctuations in borrowings, which rose sharply to ₹11.99 Cr in March 2024 and slightly declined to ₹9.64 Cr by September 2025, reflecting possible strategic adjustments in funding approaches.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Gilada Finance showcases a stable structure, with promoters holding 58.77% of the equity. This level of promoter ownership often instills confidence among investors, suggesting a strong commitment to the company’s long-term vision. The public stake accounted for 41.23%, with the number of shareholders recorded at 5,887 as of September 2025. The slight fluctuations in shareholder numbers, peaking at 7,160 in December 2022 and subsequently declining, may indicate varying levels of investor interest or market conditions impacting investor sentiment. The absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could reflect a cautious approach from larger institutional players, possibly due to Gilada’s volatility in financing margins and overall market conditions. This concentrated ownership structure may also present risks related to governance and liquidity.
Outlook, Risks, and Final Insight
Looking ahead, Gilada Finance faces both opportunities and challenges. The company’s ability to maintain consistent revenue growth and profitability amidst potential economic fluctuations will be crucial. Risks include the volatility observed in financing margins and the reliance on borrowings, which could impact financial health if not managed judiciously. Additionally, the absence of institutional backing may limit growth opportunities and market visibility. However, the company’s solid ROE and low debt levels present strengths that could attract investor interest, especially if it can stabilize its financing margin. In a favorable scenario, Gilada could leverage its strong balance sheet to pursue strategic expansions or diversify its service offerings. Conversely, in a challenging environment, maintaining operational efficiency and profitability will be critical for sustaining investor confidence and securing its market position.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.3 Cr. | 1.53 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.63 Cr. | 0.66 | 5.29/0.62 | 19.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 349 Cr. | 53.3 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 13.9 Cr. | 15.1 | 25.5/14.8 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.1 | 146/57.6 | 14.9 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,030.65 Cr | 390.49 | 71.91 | 514.75 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.15 | 1.29 | 0.85 | 1.31 | 1.54 | 1.82 | 1.48 | 1.67 | 1.60 | 1.71 | 1.79 | 1.67 | 1.73 |
| Interest | 0.21 | 0.18 | 0.16 | 0.21 | 0.28 | 0.45 | 0.35 | 0.38 | 0.35 | 0.44 | 0.22 | 0.33 | 0.35 |
| Expenses | 0.48 | 0.63 | 1.47 | 0.58 | 0.49 | 0.58 | 1.23 | 0.66 | 0.64 | 0.65 | 0.81 | 0.64 | 0.74 |
| Financing Profit | 0.46 | 0.48 | -0.78 | 0.52 | 0.77 | 0.79 | -0.10 | 0.63 | 0.61 | 0.62 | 0.76 | 0.70 | 0.64 |
| Financing Margin % | 40.00% | 37.21% | -91.76% | 39.69% | 50.00% | 43.41% | -6.76% | 37.72% | 38.12% | 36.26% | 42.46% | 41.92% | 36.99% |
| Other Income | 0.00 | 0.00 | 1.48 | 0.07 | 0.04 | 0.01 | 0.25 | 0.10 | 0.14 | 0.05 | 0.04 | 0.04 | 0.14 |
| Depreciation | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.01 | 0.01 |
| Profit before tax | 0.45 | 0.47 | 0.70 | 0.58 | 0.80 | 0.79 | 0.14 | 0.72 | 0.74 | 0.66 | 0.76 | 0.73 | 0.77 |
| Tax % | 24.44% | 25.53% | 27.14% | 25.86% | 25.00% | 25.32% | 57.14% | 25.00% | 25.68% | 25.76% | 30.26% | 24.66% | 24.68% |
| Net Profit | 0.34 | 0.35 | 0.50 | 0.44 | 0.60 | 0.60 | 0.07 | 0.55 | 0.55 | 0.50 | 0.53 | 0.54 | 0.57 |
| EPS in Rs | 0.24 | 0.25 | 0.36 | 0.31 | 0.43 | 0.43 | 0.05 | 0.39 | 0.39 | 0.36 | 0.38 | 0.38 | 0.41 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 7:46 pm
Below is a detailed analysis of the quarterly data for Gilada Finance & Investments 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 0.35 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.33 Cr. (Jun 2025) to 0.35 Cr., marking an increase of 0.02 Cr..
- For Expenses, as of Sep 2025, the value is 0.74 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.64 Cr. (Jun 2025) to 0.74 Cr., marking an increase of 0.10 Cr..
- For Other Income, as of Sep 2025, the value is 0.14 Cr.. The value appears strong and on an upward trend. It has increased from 0.04 Cr. (Jun 2025) to 0.14 Cr., marking an increase of 0.10 Cr..
- For Depreciation, as of Sep 2025, the value is 0.01 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.01 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.77 Cr.. The value appears strong and on an upward trend. It has increased from 0.73 Cr. (Jun 2025) to 0.77 Cr., marking an increase of 0.04 Cr..
- For Tax %, as of Sep 2025, the value is 24.68%. The value appears to be increasing, which may not be favorable. It has increased from 24.66% (Jun 2025) to 24.68%, marking an increase of 0.02%.
- For Net Profit, as of Sep 2025, the value is 0.57 Cr.. The value appears strong and on an upward trend. It has increased from 0.54 Cr. (Jun 2025) to 0.57 Cr., marking an increase of 0.03 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.41. The value appears strong and on an upward trend. It has increased from 0.38 (Jun 2025) to 0.41, marking an increase of 0.03.
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, 3:39 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 | 6.90 |
| 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 | 2.84 |
| 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 | 4.06 |
| 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% | 58.84% |
| 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 | 2.92 |
| 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 | 2.14 |
| 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 | 1.53 |
| 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: February 1, 2026, 2:52 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 |
| Borrowing | 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 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..
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 | 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: 15.81%)
- 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%: 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: 8.82 (Industry average Stock P/E: 71.91)
- 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 | Contact not found |
| 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 06 February 2026) is ₹13.19 which is 3.01% lower the current market price of ₹13.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19.1 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 19.1 Cr..
What is the current Stock Price of Gilada Finance & Investments Ltd as on 06 February 2026?
The current stock price of Gilada Finance & Investments Ltd as on 06 February 2026 is ₹13.6.
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 8.82.
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.