Share Price and Basic Stock Data
Last Updated: December 26, 2025, 11:32 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Goenka Business & Finance Ltd operates as a Non-Banking Financial Company (NBFC) and has reported a market capitalization of ₹9.43 Cr. The company’s revenue has shown significant volatility over the years. For instance, sales peaked at ₹1,420.35 Cr in March 2022 but drastically declined to ₹248.83 Cr in March 2023. The trailing twelve months (TTM) revenue stands at ₹63.31 Cr, indicating a downward trend. Quarterly sales figures reflect this instability, with the highest sales of ₹84.77 lakh recorded in September 2022, followed by a steep drop to ₹18.59 lakh in June 2023. The recent sales of ₹29.20 lakh in September 2023 and ₹20.04 lakh in December 2023 suggest slight recovery but remain far below previous highs. This fluctuation raises concerns about the company’s ability to maintain consistent revenue streams, which is critical for its operational sustainability.
Profitability and Efficiency Metrics
Goenka Business & Finance Ltd reported a net profit of ₹-2.93 Cr for the financial year ending March 2025, reflecting ongoing challenges in profitability. The operating profit margin (OPM) has fluctuated significantly, with a high of 49.04% recorded in June 2025, yet the average for the year remains low. The interest coverage ratio (ICR) stood at 0.97x, indicating that the company struggles to cover its interest expenses with operating income. The return on capital employed (ROCE) was reported at 52.31% in March 2025, illustrating a strong capacity to generate returns on capital despite overall losses. However, the return on equity (ROE) at 1.85% signals inefficiency in utilizing shareholders’ equity to generate profits. Overall, while the OPM shows potential, the company’s negative net profit and low ROE raise concerns about its financial health.
Balance Sheet Strength and Financial Ratios
Goenka Business & Finance Ltd has maintained a conservative borrowing strategy, with borrowings reported at ₹0.00 Cr, which positions the company favorably regarding debt obligations. This is complemented by reserves of ₹16.53 Cr, providing a cushion for operational challenges. Despite this, the company’s price-to-book value (P/BV) ratio is at 0.41x, indicating that the market values the company significantly below its book value, which suggests investor skepticism about its future prospects. The current ratio stands at 1.21, indicating adequate short-term liquidity. However, the cash conversion cycle (CCC) is at 121.62 days, reflecting inefficiencies in managing working capital. The overall financial ratios indicate a company that is managing its liabilities well but struggling with operational efficiency and investor confidence.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Goenka Business & Finance Ltd reveals a significant public ownership of 85.08%, with promoters holding 14.91% of the company. The total number of shareholders has increased from 8,906 in December 2022 to 14,658 in September 2025, suggesting growing interest among retail investors. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) raises concerns about broader institutional confidence in the company. The stable promoter holding indicates a commitment to the company, but the lack of institutional backing could limit the stock’s liquidity and market appeal. This reliance on public shareholders may affect the company’s ability to raise additional capital through equity offerings, which could be crucial for future growth initiatives.
Outlook, Risks, and Final Insight
Goenka Business & Finance Ltd faces several strengths and risks that will shape its future. On the positive side, the absence of debt and a strong ROCE of 52.31% indicate effective capital utilization and financial prudence. However, the volatility in sales and net profit, alongside a low ROE, highlight significant operational challenges. Risks include reliance on fluctuating revenue streams and the need for improved efficiency in working capital management. Additionally, the lack of institutional investors may hinder growth potential. In a scenario where the company stabilizes its revenue and enhances operational efficiency, it could regain investor confidence and improve profitability. Conversely, continued operational struggles without significant strategic changes could lead to further declines in market perception and financial performance.
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 | 14.8 Cr. | 1.48 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.63 Cr. | 0.76 | 8.62/0.75 | 22.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 464 Cr. | 63.4 | 130/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.1 Cr. | 82.5 | 162/74.8 | 19.8 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,743.41 Cr | 462.37 | 53.31 | 522.46 | 0.22% | 15.80% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 84.77 | 68.27 | 30.40 | 18.59 | 29.20 | 20.04 | 18.29 | 12.24 | 38.73 | 9.71 | 14.34 | 7.85 | 31.41 |
| Expenses | 82.09 | 65.90 | 30.24 | 17.50 | 26.27 | 15.16 | 12.44 | 9.88 | 34.45 | 7.04 | 10.28 | 4.00 | 28.91 |
| Operating Profit | 2.68 | 2.37 | 0.16 | 1.09 | 2.93 | 4.88 | 5.85 | 2.36 | 4.28 | 2.67 | 4.06 | 3.85 | 2.50 |
| OPM % | 3.16% | 3.47% | 0.53% | 5.86% | 10.03% | 24.35% | 31.98% | 19.28% | 11.05% | 27.50% | 28.31% | 49.04% | 7.96% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.04 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 3.09 | 0.01 | 0.23 |
| Interest | 2.33 | 2.58 | 2.29 | 1.44 | 2.52 | 3.04 | 4.18 | 3.14 | 3.36 | 3.62 | 6.79 | 4.29 | 5.10 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
| Profit before tax | 0.34 | -0.22 | -2.14 | -0.31 | 0.44 | 1.84 | 1.67 | -0.78 | 0.91 | -0.94 | 0.35 | -0.43 | -2.37 |
| Tax % | 26.47% | -63.64% | -26.64% | -29.03% | 40.91% | 26.09% | 40.12% | -28.21% | 28.57% | -23.40% | 74.29% | -20.93% | -17.30% |
| Net Profit | 0.25 | -0.08 | -1.57 | -0.22 | 0.25 | 1.36 | 1.00 | -0.57 | 0.66 | -0.72 | 0.10 | -0.34 | -1.97 |
| EPS in Rs | 0.19 | -0.06 | -1.21 | -0.17 | 0.19 | 1.05 | 0.77 | -0.44 | 0.51 | -0.55 | 0.08 | -0.26 | -1.52 |
Last Updated: December 26, 2025, 6:16 pm
Below is a detailed analysis of the quarterly data for Goenka Business & Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 31.41 Cr.. The value appears strong and on an upward trend. It has increased from 7.85 Cr. (Jun 2025) to 31.41 Cr., marking an increase of 23.56 Cr..
- For Expenses, as of Sep 2025, the value is 28.91 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4.00 Cr. (Jun 2025) to 28.91 Cr., marking an increase of 24.91 Cr..
- For Operating Profit, as of Sep 2025, the value is 2.50 Cr.. The value appears to be declining and may need further review. It has decreased from 3.85 Cr. (Jun 2025) to 2.50 Cr., marking a decrease of 1.35 Cr..
- For OPM %, as of Sep 2025, the value is 7.96%. The value appears to be declining and may need further review. It has decreased from 49.04% (Jun 2025) to 7.96%, marking a decrease of 41.08%.
- For Other Income, as of Sep 2025, the value is 0.23 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Jun 2025) to 0.23 Cr., marking an increase of 0.22 Cr..
- For Interest, as of Sep 2025, the value is 5.10 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4.29 Cr. (Jun 2025) to 5.10 Cr., marking an increase of 0.81 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -2.37 Cr.. The value appears to be declining and may need further review. It has decreased from -0.43 Cr. (Jun 2025) to -2.37 Cr., marking a decrease of 1.94 Cr..
- For Tax %, as of Sep 2025, the value is -17.30%. The value appears to be increasing, which may not be favorable. It has increased from -20.93% (Jun 2025) to -17.30%, marking an increase of 3.63%.
- For Net Profit, as of Sep 2025, the value is -1.97 Cr.. The value appears to be declining and may need further review. It has decreased from -0.34 Cr. (Jun 2025) to -1.97 Cr., marking a decrease of 1.63 Cr..
- For EPS in Rs, as of Sep 2025, the value is -1.52. The value appears to be declining and may need further review. It has decreased from -0.26 (Jun 2025) to -1.52, marking a decrease of 1.26.
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, 3:38 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 | 2.99 | 3.23 | 2.29 | 1.92 | 6.73 | 5.33 | 57.40 | 186.49 | 1,420.35 | 248.83 | 85.96 | 78.11 | 63.31 |
| Expenses | 2.92 | 2.45 | 2.07 | 1.77 | 7.31 | 6.41 | 48.77 | 166.90 | 1,403.58 | 238.89 | 71.37 | 61.70 | 50.23 |
| Operating Profit | 0.07 | 0.78 | 0.22 | 0.15 | -0.58 | -1.08 | 8.63 | 19.59 | 16.77 | 9.94 | 14.59 | 16.41 | 13.08 |
| OPM % | 2.34% | 24.15% | 9.61% | 7.81% | -8.62% | -20.26% | 15.03% | 10.50% | 1.18% | 3.99% | 16.97% | 21.01% | 20.66% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.24 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.35 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.01 | 10.58 | 19.40 | 15.81 | 9.86 | 11.18 | 16.90 | 19.80 |
| Depreciation | 0.01 | 0.02 | 0.13 | 0.05 | 0.04 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Profit before tax | 0.06 | 0.76 | 0.09 | 0.10 | -0.68 | -0.87 | -1.96 | 0.17 | 0.94 | 0.06 | 3.39 | -0.51 | -3.39 |
| Tax % | 33.33% | 31.58% | 33.33% | 20.00% | 0.00% | 1.15% | -28.57% | -158.82% | 36.17% | -150.00% | 35.40% | 15.69% | |
| Net Profit | 0.04 | 0.52 | 0.05 | 0.08 | -0.67 | -0.88 | -1.40 | 0.44 | 0.60 | 0.14 | 2.19 | -0.58 | -2.93 |
| EPS in Rs | 0.03 | 0.40 | 0.04 | 0.06 | -0.52 | -0.68 | -1.08 | 0.34 | 0.46 | 0.11 | 1.68 | -0.45 | -2.25 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 1200.00% | -90.38% | 60.00% | -937.50% | -31.34% | -59.09% | 131.43% | 36.36% | -76.67% | 1464.29% | -126.48% |
| Change in YoY Net Profit Growth (%) | 0.00% | -1290.38% | 150.38% | -997.50% | 906.16% | -27.75% | 190.52% | -95.06% | -113.03% | 1540.95% | -1590.77% |
Goenka Business & Finance 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: | 38% |
| 5 Years: | 6% |
| 3 Years: | -62% |
| TTM: | -11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | % |
| TTM: | -115% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -32% |
| 5 Years: | 32% |
| 3 Years: | -4% |
| 1 Year: | 4% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 2% |
| 3 Years: | 2% |
| Last Year: | -2% |
Last Updated: September 5, 2025, 3:36 pm
Balance Sheet
Last Updated: December 4, 2025, 2:58 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 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 |
| Reserves | 17.27 | 17.78 | 17.82 | 17.92 | 17.27 | 16.39 | 14.99 | 15.42 | 16.02 | 16.13 | 18.46 | 18.21 | 16.53 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 10.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 1.28 | 0.38 | 0.15 | 1.80 | 1.44 | 6.21 | 149.33 | 183.50 | 108.64 | 94.36 | 160.39 | 167.55 | 217.47 |
| Total Liabilities | 31.55 | 31.16 | 30.97 | 32.72 | 42.27 | 35.60 | 177.32 | 211.92 | 137.66 | 123.49 | 191.85 | 198.76 | 247.00 |
| Fixed Assets | 0.00 | 0.06 | 0.10 | 0.07 | 0.06 | 0.04 | 0.03 | 0.07 | 0.07 | 0.05 | 0.03 | 0.04 | 0.04 |
| 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 | 0.00 | 6.30 | 2.82 | 0.12 | 0.10 | 0.10 | 0.10 | 2.17 | 2.50 | 2.75 | 5.57 | 11.62 | 12.40 |
| Other Assets | 31.55 | 24.80 | 28.05 | 32.53 | 42.11 | 35.46 | 177.19 | 209.68 | 135.09 | 120.69 | 186.25 | 187.10 | 234.56 |
| Total Assets | 31.55 | 31.16 | 30.97 | 32.72 | 42.27 | 35.60 | 177.32 | 211.92 | 137.66 | 123.49 | 191.85 | 198.76 | 247.00 |
Below is a detailed analysis of the balance sheet data for Goenka Business & Finance 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 13.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 13.00 Cr..
- For Reserves, as of Sep 2025, the value is 16.53 Cr.. The value appears to be declining and may need further review. It has decreased from 18.21 Cr. (Mar 2025) to 16.53 Cr., marking a decrease of 1.68 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 217.47 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 167.55 Cr. (Mar 2025) to 217.47 Cr., marking an increase of 49.92 Cr..
- For Total Liabilities, as of Sep 2025, the value is 247.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 198.76 Cr. (Mar 2025) to 247.00 Cr., marking an increase of 48.24 Cr..
- For Fixed Assets, as of Sep 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 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 12.40 Cr.. The value appears strong and on an upward trend. It has increased from 11.62 Cr. (Mar 2025) to 12.40 Cr., marking an increase of 0.78 Cr..
- For Other Assets, as of Sep 2025, the value is 234.56 Cr.. The value appears strong and on an upward trend. It has increased from 187.10 Cr. (Mar 2025) to 234.56 Cr., marking an increase of 47.46 Cr..
- For Total Assets, as of Sep 2025, the value is 247.00 Cr.. The value appears strong and on an upward trend. It has increased from 198.76 Cr. (Mar 2025) to 247.00 Cr., marking an increase of 48.24 Cr..
Notably, the Reserves (16.53 Cr.) exceed the Borrowings (0.00 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
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.07 | 0.78 | 0.22 | 0.15 | -11.14 | -1.08 | 8.63 | 19.59 | 16.77 | 9.94 | 14.59 | 16.41 |
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 | 11.41 | 105.76 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | 28.68 | 32.74 | 6.56 | 1,847.81 | 83.03 | 126.28 | 25.80 | 81.72 | 10.93 | 67.99 | 166.45 | 121.62 |
| Days Payable | 155.12 | 0.00 | 0.00 | 524.69 | 67.88 | 4.32 | 1.72 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Conversion Cycle | -126.45 | 32.74 | 6.56 | 1,334.53 | 120.90 | 121.95 | 24.08 | 81.72 | 10.93 | 67.99 | 166.45 | 121.62 |
| Working Capital Days | 3,588.96 | 2,747.11 | 4,395.94 | 5,843.80 | 113.89 | -323.23 | -920.13 | -274.15 | -15.37 | -71.96 | -535.14 | -683.18 |
| ROCE % | 0.34% | 2.49% | 0.29% | 0.32% | -1.73% | -2.45% | 30.05% | 69.38% | 58.32% | 34.12% | 48.09% | 52.31% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -0.26 | 1.79 | 0.11 | 0.46 | 0.34 |
| Diluted EPS (Rs.) | -0.26 | 1.79 | 0.11 | 0.46 | 0.34 |
| Cash EPS (Rs.) | -0.43 | 1.70 | 0.13 | 0.47 | 0.40 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 24.00 | 24.20 | 22.41 | 22.32 | 21.86 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 24.00 | 24.20 | 22.41 | 22.32 | 21.86 |
| Revenue From Operations / Share (Rs.) | 57.71 | 66.12 | 191.41 | 1092.57 | 143.46 |
| PBDIT / Share (Rs.) | 12.63 | 11.22 | 7.64 | 12.90 | 15.12 |
| PBIT / Share (Rs.) | 12.61 | 11.21 | 7.62 | 12.89 | 15.06 |
| PBT / Share (Rs.) | -0.39 | 2.61 | 0.04 | 0.72 | 0.13 |
| Net Profit / Share (Rs.) | -0.44 | 1.69 | 0.11 | 0.45 | 0.34 |
| PBDIT Margin (%) | 21.88 | 16.97 | 3.99 | 1.18 | 10.54 |
| PBIT Margin (%) | 21.85 | 16.95 | 3.98 | 1.17 | 10.49 |
| PBT Margin (%) | -0.67 | 3.94 | 0.02 | 0.06 | 0.09 |
| Net Profit Margin (%) | -0.77 | 2.55 | 0.05 | 0.04 | 0.23 |
| Return on Networth / Equity (%) | -1.87 | 6.97 | 0.49 | 2.05 | 1.56 |
| Return on Capital Employeed (%) | 45.12 | 41.03 | 33.90 | 57.56 | 68.51 |
| Return On Assets (%) | -0.29 | 1.14 | 0.11 | 0.43 | 0.20 |
| Asset Turnover Ratio (%) | 0.38 | 0.54 | 1.91 | 8.13 | 0.95 |
| Current Ratio (X) | 1.21 | 1.21 | 1.29 | 1.24 | 1.14 |
| Quick Ratio (X) | 1.09 | 1.02 | 0.82 | 0.85 | 0.93 |
| Inventory Turnover Ratio (X) | 3.06 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 0.97 | 1.30 | 1.01 | 1.06 | 1.01 |
| Interest Coverage Ratio (Post Tax) (X) | 0.96 | 1.20 | 1.01 | 1.04 | 1.02 |
| Enterprise Value (Cr.) | 12.02 | 5.08 | 0.94 | 11.91 | -7.00 |
| EV / Net Operating Revenue (X) | 0.16 | 0.05 | 0.00 | 0.01 | -0.03 |
| EV / EBITDA (X) | 0.73 | 0.34 | 0.09 | 0.71 | -0.35 |
| MarketCap / Net Operating Revenue (X) | 0.17 | 0.08 | 0.03 | 0.01 | 0.01 |
| Price / BV (X) | 0.41 | 0.23 | 0.29 | 0.43 | 0.11 |
| Price / Net Operating Revenue (X) | 0.17 | 0.08 | 0.03 | 0.01 | 0.01 |
| EarningsYield | -0.04 | 0.29 | 0.01 | 0.04 | 0.13 |
After reviewing the key financial ratios for Goenka Business & Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -0.26. This value is below the healthy minimum of 5. It has decreased from 1.79 (Mar 24) to -0.26, marking a decrease of 2.05.
- For Diluted EPS (Rs.), as of Mar 25, the value is -0.26. This value is below the healthy minimum of 5. It has decreased from 1.79 (Mar 24) to -0.26, marking a decrease of 2.05.
- For Cash EPS (Rs.), as of Mar 25, the value is -0.43. This value is below the healthy minimum of 3. It has decreased from 1.70 (Mar 24) to -0.43, marking a decrease of 2.13.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 24.00. It has decreased from 24.20 (Mar 24) to 24.00, marking a decrease of 0.20.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 24.00. It has decreased from 24.20 (Mar 24) to 24.00, marking a decrease of 0.20.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 57.71. It has decreased from 66.12 (Mar 24) to 57.71, marking a decrease of 8.41.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 12.63. This value is within the healthy range. It has increased from 11.22 (Mar 24) to 12.63, marking an increase of 1.41.
- For PBIT / Share (Rs.), as of Mar 25, the value is 12.61. This value is within the healthy range. It has increased from 11.21 (Mar 24) to 12.61, marking an increase of 1.40.
- For PBT / Share (Rs.), as of Mar 25, the value is -0.39. This value is below the healthy minimum of 0. It has decreased from 2.61 (Mar 24) to -0.39, marking a decrease of 3.00.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -0.44. This value is below the healthy minimum of 2. It has decreased from 1.69 (Mar 24) to -0.44, marking a decrease of 2.13.
- For PBDIT Margin (%), as of Mar 25, the value is 21.88. This value is within the healthy range. It has increased from 16.97 (Mar 24) to 21.88, marking an increase of 4.91.
- For PBIT Margin (%), as of Mar 25, the value is 21.85. This value exceeds the healthy maximum of 20. It has increased from 16.95 (Mar 24) to 21.85, marking an increase of 4.90.
- For PBT Margin (%), as of Mar 25, the value is -0.67. This value is below the healthy minimum of 10. It has decreased from 3.94 (Mar 24) to -0.67, marking a decrease of 4.61.
- For Net Profit Margin (%), as of Mar 25, the value is -0.77. This value is below the healthy minimum of 5. It has decreased from 2.55 (Mar 24) to -0.77, marking a decrease of 3.32.
- For Return on Networth / Equity (%), as of Mar 25, the value is -1.87. This value is below the healthy minimum of 15. It has decreased from 6.97 (Mar 24) to -1.87, marking a decrease of 8.84.
- For Return on Capital Employeed (%), as of Mar 25, the value is 45.12. This value is within the healthy range. It has increased from 41.03 (Mar 24) to 45.12, marking an increase of 4.09.
- For Return On Assets (%), as of Mar 25, the value is -0.29. This value is below the healthy minimum of 5. It has decreased from 1.14 (Mar 24) to -0.29, marking a decrease of 1.43.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.38. It has decreased from 0.54 (Mar 24) to 0.38, marking a decrease of 0.16.
- For Current Ratio (X), as of Mar 25, the value is 1.21. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 24) which recorded 1.21.
- For Quick Ratio (X), as of Mar 25, the value is 1.09. This value is within the healthy range. It has increased from 1.02 (Mar 24) to 1.09, marking an increase of 0.07.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 3.06. This value is below the healthy minimum of 4. It has increased from 0.00 (Mar 24) to 3.06, marking an increase of 3.06.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 0.97. This value is below the healthy minimum of 3. It has decreased from 1.30 (Mar 24) to 0.97, marking a decrease of 0.33.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.96. This value is below the healthy minimum of 3. It has decreased from 1.20 (Mar 24) to 0.96, marking a decrease of 0.24.
- For Enterprise Value (Cr.), as of Mar 25, the value is 12.02. It has increased from 5.08 (Mar 24) to 12.02, marking an increase of 6.94.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 0.16. This value is below the healthy minimum of 1. It has increased from 0.05 (Mar 24) to 0.16, marking an increase of 0.11.
- For EV / EBITDA (X), as of Mar 25, the value is 0.73. This value is below the healthy minimum of 5. It has increased from 0.34 (Mar 24) to 0.73, marking an increase of 0.39.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.17. This value is below the healthy minimum of 1. It has increased from 0.08 (Mar 24) to 0.17, marking an increase of 0.09.
- For Price / BV (X), as of Mar 25, the value is 0.41. This value is below the healthy minimum of 1. It has increased from 0.23 (Mar 24) to 0.41, marking an increase of 0.18.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.17. This value is below the healthy minimum of 1. It has increased from 0.08 (Mar 24) to 0.17, marking an increase of 0.09.
- For EarningsYield, as of Mar 25, the value is -0.04. This value is below the healthy minimum of 5. It has decreased from 0.29 (Mar 24) to -0.04, marking a decrease of 0.33.
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 Goenka Business & Finance Ltd:
- Net Profit Margin: -0.77%
- 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: 45.12% (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%: -1.87% (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): 0.96
- 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: 1.09
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 53.31)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -0.77%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 18, Rabindra Sarani, Poddar Court, Kolkata West Bengal 700001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Yasin Gori | Whole Time Director |
| Mr. Bhavikkumar Prajapati | Executive Director |
| Mr. Nigamkumar Sathavara | Independent Director |
| Mr. Darshil Shah | Independent Director |
| Ms. Charmi Parikh | Independent Woman Director |
FAQ
What is the intrinsic value of Goenka Business & Finance Ltd?
Goenka Business & Finance Ltd's intrinsic value (as of 26 December 2025) is 5.14 which is 29.49% lower the current market price of 7.29, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 9.48 Cr. market cap, FY2025-2026 high/low of 20.1/6.41, reserves of ₹16.53 Cr, and liabilities of 247.00 Cr.
What is the Market Cap of Goenka Business & Finance Ltd?
The Market Cap of Goenka Business & Finance Ltd is 9.48 Cr..
What is the current Stock Price of Goenka Business & Finance Ltd as on 26 December 2025?
The current stock price of Goenka Business & Finance Ltd as on 26 December 2025 is 7.29.
What is the High / Low of Goenka Business & Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Goenka Business & Finance Ltd stocks is 20.1/6.41.
What is the Stock P/E of Goenka Business & Finance Ltd?
The Stock P/E of Goenka Business & Finance Ltd is .
What is the Book Value of Goenka Business & Finance Ltd?
The Book Value of Goenka Business & Finance Ltd is 22.7.
What is the Dividend Yield of Goenka Business & Finance Ltd?
The Dividend Yield of Goenka Business & Finance Ltd is 0.00 %.
What is the ROCE of Goenka Business & Finance Ltd?
The ROCE of Goenka Business & Finance Ltd is 52.3 %.
What is the ROE of Goenka Business & Finance Ltd?
The ROE of Goenka Business & Finance Ltd is 1.85 %.
What is the Face Value of Goenka Business & Finance Ltd?
The Face Value of Goenka Business & Finance Ltd is 10.0.