Share Price and Basic Stock Data
Last Updated: February 9, 2026, 10:27 pm
| PEG Ratio | 0.37 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Gowra Leasing & Finance Ltd operates within the Non-Banking Financial Company (NBFC) sector, currently trading at ₹90.9 with a market capitalization of ₹70.4 Cr. The company’s revenue trajectory has demonstrated notable growth, with total revenue reported at ₹1.67 Cr for the fiscal year ending March 2023, and projected to escalate to ₹7.64 Cr by March 2025. The quarterly revenue figures indicate a steady upward trend, peaking at ₹2.87 Cr in September 2025. Notably, the revenue from operations per share rose from ₹5.42 in March 2023 to ₹12.25 in March 2025, showcasing a robust growth in sales. The company’s financing profit margin stood at 61.70% in March 2023 and is expected to maintain a high level of profitability, reflecting efficient operations. Overall, Gowra Leasing’s revenue trends indicate a strong capacity for growth in an increasingly competitive NBFC landscape.
Profitability and Efficiency Metrics
Gowra Leasing & Finance Ltd’s profitability metrics highlight its effective cost management and revenue generation capabilities. The net profit for the fiscal year ending March 2025 reported at ₹4.29 Cr translates into a net profit margin of 64.20%, a significant increase from 63.38% in March 2023. The return on equity (ROE) stood at 16.9%, while the return on capital employed (ROCE) was recorded at 18.34%, both of which are commendable figures compared to typical sector standards. The interest coverage ratio (ICR) of 8.23x further emphasizes the company’s ability to meet its financial obligations comfortably. However, the operating profit margin (OPM) has not been disclosed, which could provide additional insights into operational efficiency. The company’s strategic focus on maximizing financing profits and minimizing expenses has positioned it well within the NBFC sector, allowing for sustainable profitability.
Balance Sheet Strength and Financial Ratios
Gowra Leasing’s balance sheet reflects a solid financial foundation, with total assets reported at ₹55.08 Cr as of March 2025, a substantial increase from ₹15.40 Cr in March 2023. The equity capital has risen to ₹5.45 Cr, contributing to an increase in reserves, which stood at ₹30.45 Cr in September 2025, up from ₹12.14 Cr in March 2023. The company has also reported a total debt to equity ratio of 0.63, indicating a moderate level of leverage. The price-to-book value (P/BV) ratio of 1.07x suggests that the stock is fairly valued compared to its net assets. Furthermore, the current and quick ratios of 2.40 indicate a healthy liquidity position, ensuring that the company can meet its short-term liabilities without strain. Overall, these financial ratios reflect the company’s resilience and capacity to navigate industry challenges effectively.
Shareholding Pattern and Investor Confidence
The shareholding structure of Gowra Leasing & Finance Ltd shows a stable promoter holding of 60.48% as of September 2025, reflecting a strong commitment from its founders. The public shareholding accounted for 39.53%, with a total of 2,277 shareholders, indicating a broad base of retail investors. The promoter’s consistent shareholding over several quarters, ranging between 60.48% and 61.04%, demonstrates investor confidence in the management and operational strategy. However, the absence of Foreign Institutional Investors (FIIs) could indicate a lack of international interest, which may affect liquidity and market perception. The increasing number of shareholders, which rose from 1,695 in December 2022 to 2,277 in September 2025, signals growing interest in the company, suggesting that the market views Gowra Leasing’s prospects favorably.
Outlook, Risks, and Final Insight
The outlook for Gowra Leasing & Finance Ltd appears positive, particularly given its robust revenue growth, strong profitability metrics, and solid balance sheet. However, potential risks include reliance on domestic market conditions and the absence of diversification in funding sources, as indicated by the lack of foreign institutional investment. Additionally, the company may face challenges related to regulatory changes within the NBFC sector, which could impact operational flexibility. Nevertheless, the company’s strategic focus on enhancing its financing profit margins and maintaining strong liquidity positions it well for future growth. In the event of favorable market conditions, Gowra Leasing could further solidify its standing in the NBFC sector, while adverse economic scenarios may necessitate prudent management strategies to mitigate risks effectively.
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 | 13.3 Cr. | 1.33 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.32 Cr. | 0.63 | 4.29/0.58 | 18.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 404 Cr. | 61.7 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.3 Cr. | 15.6 | 24.7/14.8 | 11.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.4 Cr. | 63.0 | 141/57.6 | 15.3 | 238 | 1.59 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,160.26 Cr | 398.05 | 69.97 | 514.92 | 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 | 0.41 | 0.47 | 0.47 | 1.00 | 0.56 | 0.61 | 0.60 | 0.69 | 0.88 | 1.52 | 2.15 | 2.62 | 2.87 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.08 | 0.31 | 0.41 | 0.68 | 0.81 |
| Expenses | 0.18 | 0.19 | 0.18 | 0.98 | 0.18 | 0.19 | 0.19 | 0.17 | 0.26 | 0.26 | 0.31 | 0.22 | 0.47 |
| Financing Profit | 0.23 | 0.28 | 0.29 | 0.02 | 0.38 | 0.42 | 0.41 | 0.50 | 0.54 | 0.95 | 1.43 | 1.72 | 1.59 |
| Financing Margin % | 56.10% | 59.57% | 61.70% | 2.00% | 67.86% | 68.85% | 68.33% | 72.46% | 61.36% | 62.50% | 66.51% | 65.65% | 55.40% |
| Other Income | 0.02 | 0.34 | 0.14 | 1.42 | 0.24 | 0.01 | 0.00 | 0.04 | 0.22 | 1.27 | 0.91 | 0.01 | 0.01 |
| 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 | 0.25 | 0.62 | 0.43 | 1.44 | 0.62 | 0.43 | 0.41 | 0.54 | 0.76 | 2.22 | 2.34 | 1.73 | 1.60 |
| Tax % | 24.00% | 25.81% | 53.49% | 25.69% | 19.35% | 25.58% | 26.83% | 25.93% | 25.00% | 18.92% | 34.62% | 25.43% | 25.00% |
| Net Profit | 0.19 | 0.46 | 0.21 | 1.08 | 0.50 | 0.32 | 0.31 | 0.40 | 0.57 | 1.80 | 1.53 | 1.29 | 1.19 |
| EPS in Rs | 0.63 | 1.53 | 0.70 | 3.60 | 1.67 | 1.07 | 1.03 | 1.33 | 1.90 | 3.30 | 2.81 | 2.37 | 2.18 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 6:16 pm
Below is a detailed analysis of the quarterly data for Gowra Leasing & Finance 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 0.81 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.68 Cr. (Jun 2025) to 0.81 Cr., marking an increase of 0.13 Cr..
- For Expenses, as of Sep 2025, the value is 0.47 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.22 Cr. (Jun 2025) to 0.47 Cr., marking an increase of 0.25 Cr..
- For Other Income, 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 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 1.60 Cr.. The value appears to be declining and may need further review. It has decreased from 1.73 Cr. (Jun 2025) to 1.60 Cr., marking a decrease of 0.13 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.43% (Jun 2025) to 25.00%, marking a decrease of 0.43%.
- For Net Profit, as of Sep 2025, the value is 1.19 Cr.. The value appears to be declining and may need further review. It has decreased from 1.29 Cr. (Jun 2025) to 1.19 Cr., marking a decrease of 0.10 Cr..
- For EPS in Rs, as of Sep 2025, the value is 2.18. The value appears to be declining and may need further review. It has decreased from 2.37 (Jun 2025) to 2.18, marking a decrease of 0.19.
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 | 1.37 | 1.35 | 1.29 | 1.28 | 1.01 | 1.18 | 1.22 | 1.43 | 1.25 | 1.67 | 3.54 | 7.64 | 9.16 |
| 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 | 1.26 |
| 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 | 7.90 |
| 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% | 86.24% |
| 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 | 2.20 |
| 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 | 2.21 |
| 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 | 7.89 |
| 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 | 5.81 |
| 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 | 10.66 |
| 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: February 1, 2026, 2:54 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 |
| Borrowing | 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 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..
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 | 0.56 | 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: 15.81%)
- 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%: 12.83% (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): 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: 12.3 (Industry average Stock P/E: 69.97)
- 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 | Contact not found |
| 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 09 February 2026) is ₹148.81 which is 60.70% higher the current market price of ₹92.60, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹71.7 Cr. market cap, FY2025-2026 high/low of ₹152/59.4, 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 71.7 Cr..
What is the current Stock Price of Gowra Leasing & Finance Ltd as on 09 February 2026?
The current stock price of Gowra Leasing & Finance Ltd as on 09 February 2026 is ₹92.6.
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 ₹152/59.4.
What is the Stock P/E of Gowra Leasing & Finance Ltd?
The Stock P/E of Gowra Leasing & Finance Ltd is 12.3.
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.