Share Price and Basic Stock Data
Last Updated: December 31, 2025, 9:52 pm
| PEG Ratio | 0.42 |
|---|
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 and has demonstrated a significant upward trend in revenue generation over the past few quarters. The company reported sales of ₹1.67 Cr for the fiscal year ending March 2023, which rose sharply to ₹3.54 Cr in March 2024, reflecting a robust year-on-year growth trajectory. This trend is further supported by quarterly sales figures, with the latest report for June 2025 showing sales at ₹2.62 Cr, indicating a consistent increase from ₹1.00 Cr in June 2023. The company’s operational efficiency is notable, with an operating profit margin (OPM) that peaked at 91.60% in June 2025, underscoring its ability to manage costs effectively while expanding revenues. The sales growth is attributed to strategic initiatives and a focus on enhancing service offerings, positioning the company favorably within the competitive landscape of the Indian NBFC sector.
Profitability and Efficiency Metrics
Gowra Leasing & Finance Ltd has consistently improved its profitability metrics, with a net profit of ₹5.81 Cr reported for the trailing twelve months (TTM). The net profit margin stood at an impressive 64.20% for the fiscal year ending March 2025, indicating strong operational performance relative to revenues. The company’s return on equity (ROE) was recorded at 16.9%, while the return on capital employed (ROCE) reached 18.3%, both of which are significantly higher than typical sector averages, suggesting effective utilization of equity and capital. Furthermore, the interest coverage ratio (ICR) of 8.23x indicates that the company is well-positioned to meet its interest obligations, enhancing its financial stability. The profitability metrics reflect a robust business model that can withstand market fluctuations, with a high operating profit margin of 83.62% in September 2025, signaling operational efficiency and cost management prowess.
Balance Sheet Strength and Financial Ratios
The balance sheet of Gowra Leasing & Finance Ltd reflects a solid financial foundation, with total assets amounting to ₹63.65 Cr as of September 2025. The company has maintained a prudent approach towards borrowings, which stood at ₹26.64 Cr, resulting in a total debt-to-equity ratio of 0.63. This is indicative of a conservative capital structure, allowing for flexibility in financing operations. The book value per share has increased to ₹61.27, demonstrating the company’s growth in shareholder equity. The current ratio of 2.40 suggests ample liquidity to cover short-term liabilities, reinforcing the company’s ability to navigate financial obligations effectively. The interest coverage ratio of 8.23x further illustrates the company’s capacity to service its debt, positioning it favorably compared to peers in the NBFC sector, which typically exhibit higher leverage.
Shareholding Pattern and Investor Confidence
Gowra Leasing & Finance Ltd’s shareholding structure indicates a strong promoter commitment, with promoters holding 60.48% of the shares as of September 2025. This level of ownership can instill confidence in investors regarding the company’s strategic direction and long-term vision. The public shareholding stood at 39.53%, reflecting a healthy distribution among retail investors. Over the past year, the number of shareholders has steadily increased from 1,695 in December 2022 to 2,277 by September 2025, suggesting growing investor interest and confidence in the company’s performance. The absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) may indicate a potential area for growth, as attracting institutional investment could further enhance market perception and liquidity. The consistent promoter stake alongside rising public interest highlights a favorable outlook for shareholder engagement and potential capital appreciation.
Outlook, Risks, and Final Insight
Looking ahead, Gowra Leasing & Finance Ltd is well-positioned to capitalize on its strong operational metrics and market demand in the NBFC sector. The company’s ability to maintain high profitability and efficiency ratios, coupled with a solid balance sheet, bodes well for future growth. However, potential risks include the volatility in interest rates and the competitive landscape of the NBFC sector, which could impact margins. Additionally, the reliance on domestic market dynamics poses a risk should economic conditions deteriorate. The company’s strategic focus on expanding its operational footprint and enhancing service offerings could mitigate these risks and drive sustained growth. In light of its current performance and market positioning, Gowra Leasing & Finance Ltd presents a compelling opportunity for investors seeking exposure to the growing financial services sector in India.
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 | 13.7 Cr. | 1.37 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.53 Cr. | 0.75 | 8.60/0.71 | 22.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 446 Cr. | 62.0 | 126/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.2 Cr. | 16.6 | 34.0/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 34.1 Cr. | 75.8 | 157/70.0 | 18.2 | 238 | 1.32 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,695.00 Cr | 449.71 | 52.04 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| 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 |
| Operating Profit | 0.23 | 0.28 | 0.29 | 0.02 | 0.38 | 0.42 | 0.41 | 0.52 | 0.62 | 1.26 | 1.84 | 2.40 | 2.40 |
| OPM % | 56.10% | 59.57% | 61.70% | 2.00% | 67.86% | 68.85% | 68.33% | 75.36% | 70.45% | 82.89% | 85.58% | 91.60% | 83.62% |
| 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 |
| 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 |
| 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 |
Last Updated: December 26, 2025, 5:16 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 Sales, as of Sep 2025, the value is 2.87 Cr.. The value appears strong and on an upward trend. It has increased from 2.62 Cr. (Jun 2025) to 2.87 Cr., marking an increase of 0.25 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 Operating Profit, as of Sep 2025, the value is 2.40 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.40 Cr..
- For OPM %, as of Sep 2025, the value is 83.62%. The value appears to be declining and may need further review. It has decreased from 91.60% (Jun 2025) to 83.62%, marking a decrease of 7.98%.
- 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 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 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: 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
| 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: 15.8%)
- 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: 8.84%)
- 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: 14 (Industry average Stock P/E: 52.04)
- 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 31 December 2025) is ₹127.04 which is 20.99% higher the current market price of ₹105.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹81.5 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 81.5 Cr..
What is the current Stock Price of Gowra Leasing & Finance Ltd as on 31 December 2025?
The current stock price of Gowra Leasing & Finance Ltd as on 31 December 2025 is ₹105.
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 14.0.
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.