Share Price and Basic Stock Data
Last Updated: December 11, 2025, 4:38 pm
| PEG Ratio | 0.31 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Gowra Leasing & Finance Ltd operates in the non-banking financial company (NBFC) sector, a space that has seen significant attention in recent years. The company’s revenue trajectory has been quite remarkable, especially considering its recent surge. For instance, revenue reported for March 2025 stood at ₹7.64 Cr, a substantial increase from ₹1.67 Cr in March 2023, showcasing a remarkable growth trajectory. This growth is not merely a flash in the pan; the trailing twelve months (TTM) revenue of ₹7.17 Cr suggests a consistent performance. In the most recent quarter ending June 2025, sales rose to ₹2.62 Cr, reinforcing the upward trend. This revenue growth reflects the company’s strategic positioning and operational efficiency, suggesting that Gowra is effectively capitalizing on opportunities in the financial landscape.
Profitability and Efficiency Metrics
Profitability metrics for Gowra Leasing & Finance Ltd illustrate a robust performance in recent years. The reported operating profit margin (OPM) reached an impressive 91.60% in June 2025, indicating the company’s ability to maintain high profitability relative to its sales. Notably, the net profit for FY 2025 climbed to ₹4.29 Cr, up from ₹1.03 Cr in FY 2023. This transition showcases not just growth but a significant improvement in operational efficiency. Return on equity (ROE) stood at 16.9%, while return on capital employed (ROCE) reached 18.3%, both of which appear strong compared to industry standards. Nevertheless, the company’s interest coverage ratio (ICR) at 8.23x indicates a healthy capacity to meet its interest obligations, further affirming its operational robustness.
Balance Sheet Strength and Financial Ratios
The balance sheet of Gowra Leasing & Finance Ltd reflects a sound financial position, bolstered by a reasonable debt-to-equity ratio of 0.63. This suggests that while the company is leveraging borrowed capital, it is doing so in a controlled manner. With borrowings recorded at ₹26.64 Cr against reserves of ₹30.45 Cr, the company appears to possess sufficient cushion to manage its liabilities effectively. The price-to-book value (P/BV) ratio of 1.07x indicates that the stock is trading at a slight premium to its book value, which could be interpreted as a sign of investor confidence in its growth potential. Moreover, the current ratio of 2.40 indicates that Gowra has more than enough current assets to cover its short-term liabilities, further solidifying its financial stability.
Shareholding Pattern and Investor Confidence
Gowra Leasing & Finance Ltd has a stable shareholding pattern, with promoters holding 60.48% as of September 2025. This significant promoter stake suggests a strong alignment with shareholder interests, potentially fostering investor confidence. Public shareholding stands at 39.53%, with a total of 2,277 shareholders, indicating a growing interest among retail investors. The gradual increase in the number of shareholders from 1,695 in December 2022 to the current figure illustrates a positive trend in market sentiment. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could be seen as a risk, as institutional backing often lends credibility and stability to a stock.
Outlook, Risks, and Final Insight
Looking ahead, Gowra Leasing & Finance Ltd presents a compelling narrative of growth and profitability, but it is not without risks. The sharp increase in borrowings, which rose significantly to ₹26.64 Cr, could pose challenges if not managed prudently, particularly in a fluctuating interest rate environment. Additionally, while the absence of institutional investors might raise eyebrows, it could also signify a lack of broader market recognition. Investors should also consider macroeconomic factors that could impact consumer lending, such as regulatory changes or economic slowdowns. Ultimately, Gowra appears well-positioned for continued growth, but potential investors should weigh these risks carefully against the backdrop of its strong operational metrics and solid financial health.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Gowra Leasing & Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.34 Cr. | 0.93 | 9.18/0.85 | 27.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 444 Cr. | 136 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 34.4/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.6 Cr. | 85.9 | 166/74.8 | 20.7 | 238 | 1.16 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,822.72 Cr | 440.66 | 50.24 | 522.84 | 0.23% | 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 | 0.33 | 0.41 | 0.47 | 0.47 | 1.00 | 0.56 | 0.61 | 0.60 | 0.69 | 0.88 | 1.52 | 2.15 | 2.62 |
| Expenses | 0.15 | 0.18 | 0.19 | 0.18 | 0.98 | 0.18 | 0.19 | 0.19 | 0.17 | 0.26 | 0.26 | 0.31 | 0.22 |
| Operating Profit | 0.18 | 0.23 | 0.28 | 0.29 | 0.02 | 0.38 | 0.42 | 0.41 | 0.52 | 0.62 | 1.26 | 1.84 | 2.40 |
| OPM % | 54.55% | 56.10% | 59.57% | 61.70% | 2.00% | 67.86% | 68.85% | 68.33% | 75.36% | 70.45% | 82.89% | 85.58% | 91.60% |
| Other Income | 0.05 | 0.02 | 0.34 | 0.14 | 1.42 | 0.24 | 0.01 | 0.00 | 0.04 | 0.22 | 1.27 | 0.91 | 0.01 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.08 | 0.31 | 0.41 | 0.68 |
| Depreciation | 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 |
| Profit before tax | 0.23 | 0.25 | 0.62 | 0.43 | 1.44 | 0.62 | 0.43 | 0.41 | 0.54 | 0.76 | 2.22 | 2.34 | 1.73 |
| Tax % | 26.09% | 24.00% | 25.81% | 53.49% | 25.69% | 19.35% | 25.58% | 26.83% | 25.93% | 25.00% | 18.92% | 34.62% | 25.43% |
| Net Profit | 0.17 | 0.19 | 0.46 | 0.21 | 1.08 | 0.50 | 0.32 | 0.31 | 0.40 | 0.57 | 1.80 | 1.53 | 1.29 |
| EPS in Rs | 0.57 | 0.63 | 1.53 | 0.70 | 3.60 | 1.67 | 1.07 | 1.03 | 1.33 | 1.90 | 3.30 | 2.81 | 2.37 |
Last Updated: August 19, 2025, 5:50 pm
Below is a detailed analysis of the quarterly data for Gowra Leasing & 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 2.62 Cr.. The value appears strong and on an upward trend. It has increased from 2.15 Cr. (Mar 2025) to 2.62 Cr., marking an increase of 0.47 Cr..
- For Expenses, as of Jun 2025, the value is 0.22 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.31 Cr. (Mar 2025) to 0.22 Cr., marking a decrease of 0.09 Cr..
- For Operating Profit, as of Jun 2025, the value is 2.40 Cr.. The value appears strong and on an upward trend. It has increased from 1.84 Cr. (Mar 2025) to 2.40 Cr., marking an increase of 0.56 Cr..
- For OPM %, as of Jun 2025, the value is 91.60%. The value appears strong and on an upward trend. It has increased from 85.58% (Mar 2025) to 91.60%, marking an increase of 6.02%.
- 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 0.91 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.90 Cr..
- For Interest, as of Jun 2025, the value is 0.68 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.41 Cr. (Mar 2025) to 0.68 Cr., marking an increase of 0.27 Cr..
- For Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 1.73 Cr.. The value appears to be declining and may need further review. It has decreased from 2.34 Cr. (Mar 2025) to 1.73 Cr., marking a decrease of 0.61 Cr..
- For Tax %, as of Jun 2025, the value is 25.43%. The value appears to be improving (decreasing) as expected. It has decreased from 34.62% (Mar 2025) to 25.43%, marking a decrease of 9.19%.
- For Net Profit, as of Jun 2025, the value is 1.29 Cr.. The value appears to be declining and may need further review. It has decreased from 1.53 Cr. (Mar 2025) to 1.29 Cr., marking a decrease of 0.24 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.37. The value appears to be declining and may need further review. It has decreased from 2.81 (Mar 2025) to 2.37, marking a decrease of 0.44.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 1:01 pm
| 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 | 1.37 | 1.35 | 1.29 | 1.28 | 1.01 | 1.18 | 1.22 | 1.43 | 1.25 | 1.67 | 3.54 | 7.64 | 7.17 |
| Expenses | 0.81 | 1.00 | 0.53 | 1.00 | 0.60 | 0.56 | 0.58 | 0.83 | 0.73 | 0.69 | 1.54 | 1.02 | 1.05 |
| Operating Profit | 0.56 | 0.35 | 0.76 | 0.28 | 0.41 | 0.62 | 0.64 | 0.60 | 0.52 | 0.98 | 2.00 | 6.62 | 6.12 |
| OPM % | 40.88% | 25.93% | 58.91% | 21.88% | 40.59% | 52.54% | 52.46% | 41.96% | 41.60% | 58.68% | 56.50% | 86.65% | 85.36% |
| Other Income | 0.03 | 0.05 | 0.08 | 1.10 | 0.67 | 0.14 | 0.14 | 0.33 | 0.43 | 0.55 | 0.90 | 0.04 | 2.41 |
| Interest | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 | 0.81 | 1.48 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.59 | 0.39 | 0.84 | 1.37 | 1.07 | 0.74 | 0.77 | 0.93 | 0.92 | 1.53 | 2.90 | 5.85 | 7.05 |
| Tax % | 32.20% | 30.77% | 30.95% | 33.58% | 26.17% | 24.32% | 20.78% | 20.43% | 17.39% | 32.68% | 23.79% | 26.67% | |
| Net Profit | 0.40 | 0.27 | 0.57 | 0.91 | 0.80 | 0.55 | 0.62 | 0.74 | 0.76 | 1.03 | 2.21 | 4.29 | 5.19 |
| EPS in Rs | 1.33 | 0.90 | 1.90 | 3.03 | 2.67 | 1.83 | 2.07 | 2.47 | 2.53 | 3.43 | 7.37 | 7.87 | 10.38 |
| Dividend Payout % | 75.00% | 111.11% | 52.63% | 32.97% | 37.50% | 54.55% | 48.39% | 40.54% | 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 (%) | -32.50% | 111.11% | 59.65% | -12.09% | -31.25% | 12.73% | 19.35% | 2.70% | 35.53% | 114.56% | 94.12% |
| Change in YoY Net Profit Growth (%) | 0.00% | 143.61% | -51.46% | -71.74% | -19.16% | 43.98% | 6.63% | -16.65% | 32.82% | 79.04% | -20.45% |
Gowra Leasing & 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: | 19% |
| 5 Years: | 44% |
| 3 Years: | 83% |
| TTM: | 191% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 32% |
| 5 Years: | 51% |
| 3 Years: | 106% |
| TTM: | 239% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | 44% |
| 3 Years: | 70% |
| 1 Year: | 75% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 10% |
| 3 Years: | 13% |
| Last Year: | 17% |
Last Updated: September 5, 2025, 3:40 pm
Balance Sheet
Last Updated: December 4, 2025, 2:59 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 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 5.45 | 5.45 |
| Reserves | 8.28 | 8.20 | 8.41 | 8.96 | 9.40 | 9.59 | 9.91 | 10.35 | 11.11 | 12.14 | 14.35 | 27.97 | 30.45 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 | 0.50 | 21.35 | 26.64 |
| Other Liabilities | 0.79 | 0.79 | 2.85 | 1.93 | 1.77 | 1.71 | 1.84 | 1.56 | 0.36 | 0.26 | 0.15 | 0.31 | 1.11 |
| Total Liabilities | 12.07 | 11.99 | 14.26 | 13.89 | 14.17 | 14.30 | 14.75 | 15.00 | 14.47 | 15.40 | 18.00 | 55.08 | 63.65 |
| Fixed Assets | 4.12 | 4.35 | 1.12 | 1.06 | 1.15 | 4.82 | 4.34 | 4.13 | 3.93 | 3.94 | 3.52 | 3.55 | 3.55 |
| 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 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.07 | 0.14 | 0.00 | 0.00 |
| Other Assets | 7.93 | 7.62 | 13.12 | 12.81 | 13.00 | 9.46 | 10.39 | 10.85 | 10.52 | 11.39 | 14.34 | 51.53 | 60.10 |
| Total Assets | 12.07 | 11.99 | 14.26 | 13.89 | 14.17 | 14.30 | 14.75 | 15.00 | 14.47 | 15.40 | 18.00 | 55.08 | 63.65 |
Below is a detailed analysis of the balance sheet data for Gowra Leasing & 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 5.45 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 5.45 Cr..
- For Reserves, as of Sep 2025, the value is 30.45 Cr.. The value appears strong and on an upward trend. It has increased from 27.97 Cr. (Mar 2025) to 30.45 Cr., marking an increase of 2.48 Cr..
- For Borrowings, as of Sep 2025, the value is 26.64 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 21.35 Cr. (Mar 2025) to 26.64 Cr., marking an increase of 5.29 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1.11 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.31 Cr. (Mar 2025) to 1.11 Cr., marking an increase of 0.80 Cr..
- For Total Liabilities, as of Sep 2025, the value is 63.65 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 55.08 Cr. (Mar 2025) to 63.65 Cr., marking an increase of 8.57 Cr..
- For Fixed Assets, as of Sep 2025, the value is 3.55 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 3.55 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 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Other Assets, as of Sep 2025, the value is 60.10 Cr.. The value appears strong and on an upward trend. It has increased from 51.53 Cr. (Mar 2025) to 60.10 Cr., marking an increase of 8.57 Cr..
- For Total Assets, as of Sep 2025, the value is 63.65 Cr.. The value appears strong and on an upward trend. It has increased from 55.08 Cr. (Mar 2025) to 63.65 Cr., marking an increase of 8.57 Cr..
Notably, the Reserves (30.45 Cr.) exceed the Borrowings (26.64 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 | 0.56 | 0.35 | 0.76 | 0.28 | 0.41 | 0.62 | 0.64 | 0.51 | 0.52 | 0.98 | 1.50 | -14.73 |
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 | 1,912.92 | 1,638.44 | 2,031.55 | 1,924.80 | 2,327.33 | 2,681.82 | 2,683.65 | 2,585.63 | -0.00 | -0.00 | -0.00 | -0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 1,912.92 | 1,638.44 | 2,031.55 | 1,924.80 | 2,327.33 | 2,681.82 | 2,683.65 | 2,585.63 | -0.00 | -0.00 | -0.00 | -0.00 |
| Working Capital Days | 1,814.34 | 1,549.22 | 1,358.14 | 1,440.04 | 1,788.86 | 2,233.31 | 2,190.00 | 2,251.26 | -37.96 | -34.97 | -1.03 | -4.30 |
| ROCE % | 5.15% | 3.56% | 7.43% | 10.87% | 5.34% | 5.60% | 5.33% | 5.62% | 4.36% | 10.46% | 16.43% | 18.34% |
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.) | 10.81 | 7.37 | 3.44 | 2.53 | 2.46 |
| Diluted EPS (Rs.) | 10.81 | 7.37 | 3.44 | 2.53 | 2.46 |
| Cash EPS (Rs.) | 7.87 | 7.38 | 3.44 | 2.54 | 2.41 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 61.27 | 57.83 | 50.46 | 47.02 | 44.49 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 61.27 | 57.83 | 50.46 | 47.02 | 44.49 |
| Dividend / Share (Rs.) | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 |
| Revenue From Operations / Share (Rs.) | 12.25 | 9.21 | 5.42 | 4.18 | 4.76 |
| PBDIT / Share (Rs.) | 12.21 | 9.69 | 5.12 | 3.16 | 3.04 |
| PBIT / Share (Rs.) | 12.20 | 9.68 | 5.11 | 3.16 | 3.02 |
| PBT / Share (Rs.) | 10.71 | 9.67 | 5.10 | 3.07 | 3.01 |
| Net Profit / Share (Rs.) | 7.86 | 7.37 | 3.44 | 2.53 | 2.39 |
| PBDIT Margin (%) | 99.65 | 105.14 | 94.44 | 75.72 | 63.86 |
| PBIT Margin (%) | 99.59 | 105.06 | 94.34 | 75.60 | 63.53 |
| PBT Margin (%) | 87.48 | 104.94 | 94.14 | 73.55 | 63.27 |
| Net Profit Margin (%) | 64.20 | 79.96 | 63.38 | 60.65 | 50.27 |
| Return on Networth / Equity (%) | 12.83 | 12.74 | 6.80 | 5.38 | 5.37 |
| Return on Capital Employeed (%) | 19.76 | 16.61 | 9.98 | 6.17 | 6.12 |
| Return On Assets (%) | 7.78 | 12.28 | 6.69 | 4.88 | 4.78 |
| Total Debt / Equity (X) | 0.63 | 0.02 | 0.00 | 0.00 | 0.01 |
| Asset Turnover Ratio (%) | 0.18 | 0.16 | 0.10 | 0.08 | 0.09 |
| Current Ratio (X) | 2.40 | 27.65 | 331.30 | 49.80 | 50.46 |
| Quick Ratio (X) | 2.40 | 27.65 | 331.30 | 49.80 | 50.46 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 0.00 | 0.00 | 0.00 | 41.81 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 0.00 | 0.00 | 0.00 | 41.54 |
| Earning Retention Ratio (%) | 0.00 | 0.00 | 0.00 | 0.00 | 58.19 |
| Cash Earning Retention Ratio (%) | 0.00 | 0.00 | 0.00 | 0.00 | 58.46 |
| Interest Coverage Ratio (X) | 8.23 | 830.66 | 480.03 | 37.01 | 248.43 |
| Interest Coverage Ratio (Post Tax) (X) | 6.30 | 632.71 | 323.16 | 30.65 | 196.57 |
| Enterprise Value (Cr.) | 57.11 | 11.14 | 5.20 | 6.74 | 4.85 |
| EV / Net Operating Revenue (X) | 8.55 | 4.03 | 3.20 | 5.38 | 3.40 |
| EV / EBITDA (X) | 8.58 | 3.83 | 3.39 | 7.10 | 5.32 |
| MarketCap / Net Operating Revenue (X) | 5.36 | 3.93 | 3.41 | 5.46 | 3.37 |
| Retention Ratios (%) | 0.00 | 0.00 | 0.00 | 0.00 | 58.18 |
| Price / BV (X) | 1.07 | 0.62 | 0.36 | 0.48 | 0.36 |
| Price / Net Operating Revenue (X) | 5.36 | 3.93 | 3.41 | 5.46 | 3.37 |
| EarningsYield | 0.11 | 0.20 | 0.18 | 0.11 | 0.14 |
After reviewing the key financial ratios for Gowra Leasing & 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 10.81. This value is within the healthy range. It has increased from 7.37 (Mar 24) to 10.81, marking an increase of 3.44.
- For Diluted EPS (Rs.), as of Mar 25, the value is 10.81. This value is within the healthy range. It has increased from 7.37 (Mar 24) to 10.81, marking an increase of 3.44.
- For Cash EPS (Rs.), as of Mar 25, the value is 7.87. This value is within the healthy range. It has increased from 7.38 (Mar 24) to 7.87, marking an increase of 0.49.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 61.27. It has increased from 57.83 (Mar 24) to 61.27, marking an increase of 3.44.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 61.27. It has increased from 57.83 (Mar 24) to 61.27, marking an increase of 3.44.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 12.25. It has increased from 9.21 (Mar 24) to 12.25, marking an increase of 3.04.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 12.21. This value is within the healthy range. It has increased from 9.69 (Mar 24) to 12.21, marking an increase of 2.52.
- For PBIT / Share (Rs.), as of Mar 25, the value is 12.20. This value is within the healthy range. It has increased from 9.68 (Mar 24) to 12.20, marking an increase of 2.52.
- For PBT / Share (Rs.), as of Mar 25, the value is 10.71. This value is within the healthy range. It has increased from 9.67 (Mar 24) to 10.71, marking an increase of 1.04.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 7.86. This value is within the healthy range. It has increased from 7.37 (Mar 24) to 7.86, marking an increase of 0.49.
- For PBDIT Margin (%), as of Mar 25, the value is 99.65. This value is within the healthy range. It has decreased from 105.14 (Mar 24) to 99.65, marking a decrease of 5.49.
- For PBIT Margin (%), as of Mar 25, the value is 99.59. This value exceeds the healthy maximum of 20. It has decreased from 105.06 (Mar 24) to 99.59, marking a decrease of 5.47.
- For PBT Margin (%), as of Mar 25, the value is 87.48. This value is within the healthy range. It has decreased from 104.94 (Mar 24) to 87.48, marking a decrease of 17.46.
- For Net Profit Margin (%), as of Mar 25, the value is 64.20. This value exceeds the healthy maximum of 10. It has decreased from 79.96 (Mar 24) to 64.20, marking a decrease of 15.76.
- For Return on Networth / Equity (%), as of Mar 25, the value is 12.83. This value is below the healthy minimum of 15. It has increased from 12.74 (Mar 24) to 12.83, marking an increase of 0.09.
- For Return on Capital Employeed (%), as of Mar 25, the value is 19.76. This value is within the healthy range. It has increased from 16.61 (Mar 24) to 19.76, marking an increase of 3.15.
- For Return On Assets (%), as of Mar 25, the value is 7.78. This value is within the healthy range. It has decreased from 12.28 (Mar 24) to 7.78, marking a decrease of 4.50.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.63. This value is within the healthy range. It has increased from 0.02 (Mar 24) to 0.63, marking an increase of 0.61.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.18. It has increased from 0.16 (Mar 24) to 0.18, marking an increase of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 2.40. This value is within the healthy range. It has decreased from 27.65 (Mar 24) to 2.40, marking a decrease of 25.25.
- For Quick Ratio (X), as of Mar 25, the value is 2.40. This value exceeds the healthy maximum of 2. It has decreased from 27.65 (Mar 24) to 2.40, marking a decrease of 25.25.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 8.23. This value is within the healthy range. It has decreased from 830.66 (Mar 24) to 8.23, marking a decrease of 822.43.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 6.30. This value is within the healthy range. It has decreased from 632.71 (Mar 24) to 6.30, marking a decrease of 626.41.
- For Enterprise Value (Cr.), as of Mar 25, the value is 57.11. It has increased from 11.14 (Mar 24) to 57.11, marking an increase of 45.97.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.55. This value exceeds the healthy maximum of 3. It has increased from 4.03 (Mar 24) to 8.55, marking an increase of 4.52.
- For EV / EBITDA (X), as of Mar 25, the value is 8.58. This value is within the healthy range. It has increased from 3.83 (Mar 24) to 8.58, marking an increase of 4.75.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.36. This value exceeds the healthy maximum of 3. It has increased from 3.93 (Mar 24) to 5.36, marking an increase of 1.43.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Price / BV (X), as of Mar 25, the value is 1.07. This value is within the healthy range. It has increased from 0.62 (Mar 24) to 1.07, marking an increase of 0.45.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.36. This value exceeds the healthy maximum of 3. It has increased from 3.93 (Mar 24) to 5.36, marking an increase of 1.43.
- For EarningsYield, as of Mar 25, the value is 0.11. This value is below the healthy minimum of 5. It has decreased from 0.20 (Mar 24) to 0.11, marking a decrease of 0.09.
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 Gowra Leasing & Finance Ltd:
- Net Profit Margin: 64.2%
- 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: 19.76% (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%: 12.83% (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): 6.3
- 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: 2.4
- 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: 9.96 (Industry average Stock P/E: 37.07)
- 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: 0.63
- 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: 64.2%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | No.501, 5th Floor, Gowra Grand, Behind Gowra Plaza, Secunderabad Telangana 500003 | investors@gowraleasing.com http://www.gowraleasing.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Chandrasekhar Suresh | Chairman & Ind.Director |
| Mr. Gowra Srinivas | Managing Director |
| Mr. Gowra Lakshminarayana | Director |
| Mr. Dayanand Soma | Director |
| Mr. Gowra Lakshmi Prasad | Director |
| Mrs. Samyuktha Mattapalli | Independent Director |
| Mr. Pallapotu Sobhanadri | Independent Director |
FAQ
What is the intrinsic value of Gowra Leasing & Finance Ltd?
Gowra Leasing & Finance Ltd's intrinsic value (as of 11 December 2025) is 90.38 which is 14.74% lower the current market price of 106.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 57.8 Cr. market cap, FY2025-2026 high/low of 152/42.8, reserves of ₹30.45 Cr, and liabilities of 63.65 Cr.
What is the Market Cap of Gowra Leasing & Finance Ltd?
The Market Cap of Gowra Leasing & Finance Ltd is 57.8 Cr..
What is the current Stock Price of Gowra Leasing & Finance Ltd as on 11 December 2025?
The current stock price of Gowra Leasing & Finance Ltd as on 11 December 2025 is 106.
What is the High / Low of Gowra Leasing & Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Gowra Leasing & Finance Ltd stocks is 152/42.8.
What is the Stock P/E of Gowra Leasing & Finance Ltd?
The Stock P/E of Gowra Leasing & Finance Ltd is 9.96.
What is the Book Value of Gowra Leasing & Finance Ltd?
The Book Value of Gowra Leasing & Finance Ltd is 65.8.
What is the Dividend Yield of Gowra Leasing & Finance Ltd?
The Dividend Yield of Gowra Leasing & Finance Ltd is 0.00 %.
What is the ROCE of Gowra Leasing & Finance Ltd?
The ROCE of Gowra Leasing & Finance Ltd is 18.3 %.
What is the ROE of Gowra Leasing & Finance Ltd?
The ROE of Gowra Leasing & Finance Ltd is 16.9 %.
What is the Face Value of Gowra Leasing & Finance Ltd?
The Face Value of Gowra Leasing & Finance Ltd is 10.0.