Share Price and Basic Stock Data
Last Updated: December 12, 2025, 8:13 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 in the non-banking financial company (NBFC) sector, with its stock currently priced at ₹7.98 and a market capitalization of ₹10.4 Cr. The company’s revenue trajectory has been quite volatile. For instance, sales soared to ₹1,420.35 Cr in FY 2022 but significantly dropped to ₹248.83 Cr in FY 2023, reflecting a dramatic decline in operational performance. This trend continued, with FY 2024 revenue reported at ₹85.96 Cr and a trailing twelve-month (TTM) figure of ₹70.63 Cr. Such fluctuations raise questions about the underlying business model and market dynamics. Despite these challenges, the company has managed to maintain a reasonable operating profit margin (OPM) of 49.04% in the latest quarter, suggesting that while revenues are down, cost management appears effective. Understanding these revenue trends is crucial for investors as they reflect both the company’s operational capabilities and market positioning.
Profitability and Efficiency Metrics
Profitability metrics for Goenka Business & Finance reveal a mixed picture. The company has struggled with profitability, recording a net profit of -₹0.30 Cr in its latest reporting period. The operating profit margins have fluctuated, with a remarkable recovery to 49.04% in June 2025 from the lows of less than 1% in early 2023. However, the interest coverage ratio (ICR) stands at 0.97x, indicating that the company is barely covering its interest obligations, which is a significant concern for sustainability. Meanwhile, return on equity (ROE) is a low 1.85%, suggesting that shareholders are not seeing adequate returns on their investments. These efficiency metrics indicate that while there are pockets of operational strength, the overall profitability remains tenuous, and further scrutiny is warranted by potential investors to assess future viability.
Balance Sheet Strength and Financial Ratios
Goenka’s balance sheet displays a conservative approach towards leverage, with borrowings recorded at ₹0.00 Cr. This zero-debt strategy provides a cushion against financial risks, particularly in turbulent market conditions. The company reported reserves of ₹16.53 Cr and a low price-to-book value (P/BV) ratio of 0.41x, suggesting that the stock is undervalued relative to its book value. The current ratio stands at a comfortable 1.21, indicating that the company can meet its short-term obligations. However, the cash conversion cycle (CCC) of 121.62 days raises concerns about operational efficiency in managing working capital. A prolonged CCC can indicate potential liquidity issues, which could impact the company’s ability to invest in growth opportunities or meet liabilities. Investors should weigh these factors carefully when considering the financial health of Goenka Business & Finance.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Goenka Business & Finance Ltd indicates a strong presence of public shareholders, who held 85.08% of the shares as of the latest reporting period. Promoters own a stable 14.91%, suggesting a commitment to the company, but there is no significant foreign institutional investment (FIIs) or domestic institutional investment (DIIs) observed. The growing number of shareholders, which increased to 14,658, reflects rising interest among retail investors, albeit amidst a backdrop of declining performance metrics. This could signify a speculative interest rather than genuine confidence in the company’s long-term prospects. Active participation from retail investors could provide liquidity, but the lack of institutional backing might raise concerns about the stock’s stability and growth potential. Understanding the dynamics of shareholder sentiment is crucial for assessing the stock’s future trajectory.
Outlook, Risks, and Final Insight
The outlook for Goenka Business & Finance Ltd appears complex. While the company has displayed impressive operational margins, the significant drop in revenues raises flags about its market competitiveness and sustainability. The zero-debt position is a strength, but the low profitability metrics and cash conversion cycle suggest that operational efficiency needs urgent attention. Investors should be cautious about the risks associated with fluctuating revenues and the company’s ability to generate consistent profits. Additionally, the lack of institutional investments may limit the stock’s upward momentum. For investors contemplating a position in Goenka, it is vital to monitor upcoming quarterly results closely, as any signs of improvement in revenue generation and operational efficiency could change the narrative. However, without substantial evidence of recovery, the investment remains speculative at best. Balancing these insights against personal risk tolerance and investment goals will be key in making informed decisions regarding this stock.
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 | 12.7 Cr. | 1.27 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 8.73 Cr. | 0.87 | 9.18/0.85 | 25.7 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 445 Cr. | 136 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.4 Cr. | 16.8 | 34.4/15.0 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.6 Cr. | 85.8 | 165/74.8 | 20.7 | 238 | 1.16 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,085.66 Cr | 460.41 | 50.11 | 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 | 65.39 | 84.77 | 68.27 | 30.40 | 18.59 | 29.20 | 20.04 | 18.29 | 12.24 | 38.73 | 9.71 | 14.34 | 7.85 |
| Expenses | 60.66 | 82.09 | 65.90 | 30.24 | 17.50 | 26.27 | 15.16 | 12.44 | 9.88 | 34.45 | 7.04 | 10.28 | 4.00 |
| Operating Profit | 4.73 | 2.68 | 2.37 | 0.16 | 1.09 | 2.93 | 4.88 | 5.85 | 2.36 | 4.28 | 2.67 | 4.06 | 3.85 |
| OPM % | 7.23% | 3.16% | 3.47% | 0.53% | 5.86% | 10.03% | 24.35% | 31.98% | 19.28% | 11.05% | 27.50% | 28.31% | 49.04% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 3.09 | 0.01 |
| Interest | 2.66 | 2.33 | 2.58 | 2.29 | 1.44 | 2.52 | 3.04 | 4.18 | 3.14 | 3.36 | 3.62 | 6.79 | 4.29 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 |
| Profit before tax | 2.06 | 0.34 | -0.22 | -2.14 | -0.31 | 0.44 | 1.84 | 1.67 | -0.78 | 0.91 | -0.94 | 0.35 | -0.43 |
| Tax % | 25.24% | 26.47% | -63.64% | -26.64% | -29.03% | 40.91% | 26.09% | 40.12% | -28.21% | 28.57% | -23.40% | 74.29% | -20.93% |
| Net Profit | 1.55 | 0.25 | -0.08 | -1.57 | -0.22 | 0.25 | 1.36 | 1.00 | -0.57 | 0.66 | -0.72 | 0.10 | -0.34 |
| EPS in Rs | 1.19 | 0.19 | -0.06 | -1.21 | -0.17 | 0.19 | 1.05 | 0.77 | -0.44 | 0.51 | -0.55 | 0.08 | -0.26 |
Last Updated: August 19, 2025, 2:35 pm
Below is a detailed analysis of the quarterly data for Goenka Business & Finance 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 7.85 Cr.. The value appears to be declining and may need further review. It has decreased from 14.34 Cr. (Mar 2025) to 7.85 Cr., marking a decrease of 6.49 Cr..
- For Expenses, as of Jun 2025, the value is 4.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 10.28 Cr. (Mar 2025) to 4.00 Cr., marking a decrease of 6.28 Cr..
- For Operating Profit, as of Jun 2025, the value is 3.85 Cr.. The value appears to be declining and may need further review. It has decreased from 4.06 Cr. (Mar 2025) to 3.85 Cr., marking a decrease of 0.21 Cr..
- For OPM %, as of Jun 2025, the value is 49.04%. The value appears strong and on an upward trend. It has increased from 28.31% (Mar 2025) to 49.04%, marking an increase of 20.73%.
- For Other Income, as of Jun 2025, the value is 0.01 Cr.. The value appears to be declining and may need further review. It has decreased from 3.09 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 3.08 Cr..
- For Interest, as of Jun 2025, the value is 4.29 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6.79 Cr. (Mar 2025) to 4.29 Cr., marking a decrease of 2.50 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.01 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.01 Cr..
- For Profit before tax, as of Jun 2025, the value is -0.43 Cr.. The value appears to be declining and may need further review. It has decreased from 0.35 Cr. (Mar 2025) to -0.43 Cr., marking a decrease of 0.78 Cr..
- For Tax %, as of Jun 2025, the value is -20.93%. The value appears to be improving (decreasing) as expected. It has decreased from 74.29% (Mar 2025) to -20.93%, marking a decrease of 95.22%.
- For Net Profit, as of Jun 2025, the value is -0.34 Cr.. The value appears to be declining and may need further review. It has decreased from 0.10 Cr. (Mar 2025) to -0.34 Cr., marking a decrease of 0.44 Cr..
- For EPS in Rs, as of Jun 2025, the value is -0.26. The value appears to be declining and may need further review. It has decreased from 0.08 (Mar 2025) to -0.26, marking a decrease of 0.34.
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, 3:14 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 | 70.63 |
| 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 | 55.77 |
| 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 | 14.86 |
| 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% | 21.04% |
| 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 | 3.12 |
| 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 | 18.06 |
| 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 | 0.03 |
| 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 | -0.11 |
| 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 | -0.30 |
| 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 | -0.22 |
| 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 - 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 | 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: 50.11)
- 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 | compliance@gbfl.co.in http://www.goenkabusinessfinancelimited.in |
| 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 14 December 2025) is 5.14 which is 36.78% lower the current market price of 8.13, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 10.6 Cr. market cap, FY2025-2026 high/low of 21.9/7.50, 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 10.6 Cr..
What is the current Stock Price of Goenka Business & Finance Ltd as on 14 December 2025?
The current stock price of Goenka Business & Finance Ltd as on 14 December 2025 is 8.13.
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 21.9/7.50.
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.