Share Price and Basic Stock Data
Last Updated: February 2, 2026, 5:29 pm
| PEG Ratio | 2.60 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Goyal Associates Ltd operates in the Non-Banking Financial Company (NBFC) sector, focusing on providing financial services. The company reported a current price of ₹0.97 and a market capitalization of ₹5.13 Cr. Over the past year, Goyal Associates has shown fluctuating revenue trends. Sales were recorded at ₹0.78 Cr in September 2022, followed by a dip to ₹0.09 Cr in December 2022, before rebounding to ₹1.26 Cr in March 2023. The revenue peaked at ₹3.41 Cr for the fiscal year ending March 2023, illustrating a significant recovery from previous years, where sales were as low as ₹0.14 Cr in March 2017. However, the trailing twelve months (TTM) revenue stood at ₹1.95 Cr, reflecting a downward trend compared to the peak. The company’s sales for the quarter ending September 2023 were ₹0.93 Cr, indicating a potential stabilization phase following prior fluctuations. This performance highlights the challenges and volatility often faced in the NBFC sector, particularly in maintaining consistent revenue streams.
Profitability and Efficiency Metrics
Profitability metrics for Goyal Associates reveal a mixed performance. The company recorded a net profit of ₹0.50 Cr, with a net profit margin of 28.10% in March 2025, an improvement from the previous year’s margin of 16.81%. The operating profit margin (OPM) stood at 24.14%, indicating effective cost management, especially considering the fluctuating sales figures. The return on equity (ROE) was reported at 16.9%, and the return on capital employed (ROCE) at 17.4%, both suggesting efficient use of equity and capital, respectively. However, the interest coverage ratio (ICR) was strong at 13.47x, indicating that the company can comfortably cover its interest obligations. Despite these positive indicators, the OPM saw significant variability over the quarters, with a low of 0.79% in March 2023, illustrating potential operational inefficiencies during certain periods. Such volatility may raise concerns regarding the sustainability of profitability in the long term.
Balance Sheet Strength and Financial Ratios
The balance sheet of Goyal Associates reflects a cautious approach to leverage and asset management. The company reported total borrowings of ₹1.05 Cr against reserves of ₹0.28 Cr as of March 2025, indicating a low debt-to-equity ratio of 0.19, which is considered healthy compared to typical industry standards. The current ratio stood at 3.77, suggesting robust liquidity and the ability to meet short-term obligations. Additionally, the book value per share rose to ₹1.04 in March 2025, indicating an improvement in the company’s equity base. However, the asset turnover ratio was relatively low at 0.36, signaling potential underutilization of assets. Furthermore, total assets increased to ₹8.48 Cr, while total liabilities rose to ₹8.82 Cr, suggesting a need for careful monitoring of financial leverage. The stability in borrowings alongside a strong liquidity position highlights the company’s prudent financial management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Goyal Associates indicates a heavy public ownership, with 95.26% of shares held by the public as of March 2025, while promoters hold 4.72%. This distribution reflects a low level of institutional investor interest, with domestic institutional investors (DIIs) holding a mere 0.01%. The number of shareholders increased from 8,901 in March 2023 to 27,944 by March 2025, showcasing growing retail investor interest. However, the lack of foreign institutional investors (FIIs) could imply a perception of risk or uncertainty surrounding the company’s prospects. The relatively stable promoter holding indicates a commitment to the company, which can be a positive signal for investors. Nonetheless, the heavy reliance on public shareholders may expose the company to volatility in stock prices, as retail investors often react more sensitively to market fluctuations.
Outlook, Risks, and Final Insight
Looking ahead, Goyal Associates faces both opportunities and challenges. The strong liquidity position and improving profitability metrics indicate potential for growth, particularly if the company can stabilize revenue streams and enhance operational efficiency. However, risks include the volatile sales trends and the low interest from institutional investors, which may hinder capital raising efforts in the future. Additionally, the company’s reliance on public shareholders could lead to price volatility, especially in adverse market conditions. The ability to maintain strong profitability metrics while managing operational inefficiencies will be crucial for sustaining investor confidence. If Goyal Associates successfully leverages its current financial strengths and addresses existing risks, it could position itself for a more resilient and profitable future in the competitive NBFC landscape.
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 | 15.3 Cr. | 1.53 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.63 Cr. | 0.66 | 5.59/0.62 | 19.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 374 Cr. | 55.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.7 Cr. | 16.0 | 25.5/14.8 | 12.1 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.1 | 146/57.6 | 14.9 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 26,991.87 Cr | 391.02 | 52.39 | 514.98 | 0.24% | 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 | 0.78 | 0.09 | 1.26 | 0.98 | 0.93 | 0.93 | 0.92 | 0.81 | 0.44 | 0.89 | 0.49 | 0.28 | 0.29 |
| Interest | 0.04 | 0.00 | 0.02 | 0.04 | 0.01 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 |
| Expenses | 0.50 | 0.06 | 1.25 | 0.70 | 0.67 | 0.65 | 0.62 | 0.57 | 0.28 | 0.53 | 0.31 | 0.25 | 0.22 |
| Financing Profit | 0.24 | 0.03 | -0.01 | 0.24 | 0.25 | 0.25 | 0.28 | 0.22 | 0.14 | 0.34 | 0.16 | 0.03 | 0.07 |
| Financing Margin % | 30.77% | 33.33% | -0.79% | 24.49% | 26.88% | 26.88% | 30.43% | 27.16% | 31.82% | 38.20% | 32.65% | 10.71% | 24.14% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.12 | 0.00 | 0.00 |
| Depreciation | 0.03 | 0.00 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Profit before tax | 0.21 | 0.03 | -0.05 | 0.19 | 0.20 | 0.20 | 0.24 | 0.19 | 0.11 | 0.31 | 0.25 | 0.01 | 0.05 |
| Tax % | 0.00% | 0.00% | 0.00% | 26.32% | 0.00% | 25.00% | 4.17% | 0.00% | 0.00% | 0.00% | 48.00% | 0.00% | 0.00% |
| Net Profit | 0.21 | 0.02 | -0.05 | 0.14 | 0.20 | 0.15 | 0.24 | 0.18 | 0.11 | 0.31 | 0.13 | 0.01 | 0.05 |
| EPS in Rs | 0.04 | 0.00 | -0.01 | 0.03 | 0.04 | 0.03 | 0.05 | 0.04 | 0.02 | 0.07 | 0.02 | 0.00 | 0.01 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 6:16 pm
Below is a detailed analysis of the quarterly data for Goyal Associates 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 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Expenses, as of Sep 2025, the value is 0.22 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.25 Cr. (Jun 2025) to 0.22 Cr., marking a decrease of 0.03 Cr..
- For Other Income, 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 Depreciation, as of Sep 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Jun 2025) to 0.05 Cr., marking an increase of 0.04 Cr..
- For Tax %, as of Sep 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00%.
- For Net Profit, as of Sep 2025, the value is 0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Jun 2025) to 0.05 Cr., marking an increase of 0.04 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.01. The value appears strong and on an upward trend. It has increased from 0.00 (Jun 2025) to 0.01, marking an increase of 0.01.
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 | 0.35 | 0.45 | 0.18 | 0.14 | 0.61 | 6.65 | 3.62 | 1.17 | 1.52 | 3.41 | 3.75 | 2.63 | 1.95 |
| Expenses | 0.48 | 0.46 | 0.25 | 0.17 | 0.67 | 7.28 | 3.42 | 1.00 | 1.73 | 2.43 | 2.65 | 1.68 | 1.31 |
| Operating Profit | -0.13 | -0.01 | -0.07 | -0.03 | -0.06 | -0.63 | 0.20 | 0.17 | -0.21 | 0.98 | 1.10 | 0.95 | 0.64 |
| OPM % | -37.14% | -2.22% | -38.89% | -21.43% | -9.84% | -9.47% | 5.52% | 14.53% | -13.82% | 28.74% | 29.33% | 36.12% | 32.82% |
| Other Income | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.12 | 0.12 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.11 | 0.10 | 0.09 | 0.08 | 0.04 |
| Depreciation | 0.04 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.12 | 0.16 | 0.18 | 0.12 | 0.10 |
| Profit before tax | -0.17 | -0.03 | -0.07 | -0.03 | -0.06 | -0.63 | 0.20 | 0.06 | -0.44 | 0.72 | 0.84 | 0.87 | 0.62 |
| Tax % | 5.88% | -33.33% | 0.00% | 0.00% | 0.00% | 0.00% | 15.00% | 33.33% | 0.00% | 16.67% | 25.00% | 13.79% | |
| Net Profit | -0.18 | -0.01 | -0.07 | -0.03 | -0.06 | -0.63 | 0.16 | 0.03 | -0.45 | 0.59 | 0.63 | 0.74 | 0.50 |
| EPS in Rs | -0.04 | -0.00 | -0.01 | -0.01 | -0.01 | -0.13 | 0.03 | 0.01 | -0.10 | 0.13 | 0.13 | 0.14 | 0.10 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 94.44% | -600.00% | 57.14% | -100.00% | -950.00% | 125.40% | -81.25% | -1600.00% | 231.11% | 6.78% | 17.46% |
| Change in YoY Net Profit Growth (%) | 0.00% | -694.44% | 657.14% | -157.14% | -850.00% | 1075.40% | -206.65% | -1518.75% | 1831.11% | -224.33% | 10.68% |
Goyal Associates 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: | -6% |
| 3 Years: | 20% |
| TTM: | -42% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 54% |
| 5 Years: | 36% |
| 3 Years: | 54% |
| TTM: | -27% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 7% |
| 3 Years: | -13% |
| 1 Year: | -37% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 11% |
| 3 Years: | 20% |
| 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 | 5.08 | 5.08 | 4.69 | 4.69 | 4.69 | 4.69 | 4.69 | 4.69 | 4.69 | 4.69 | 4.69 | 5.29 | 5.29 |
| Reserves | -6.43 | -6.45 | -1.69 | -1.72 | -1.79 | -2.41 | -2.25 | -2.22 | -2.66 | -2.08 | -1.44 | 0.21 | 0.28 |
| Borrowing | 6.37 | 4.63 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.21 | 1.99 | 1.24 | 1.14 | 1.05 | 1.05 |
| Other Liabilities | 0.02 | 0.01 | 1.01 | 0.01 | 0.01 | 2.95 | 0.21 | 1.01 | 1.37 | 1.15 | 1.66 | 1.93 | 2.20 |
| Total Liabilities | 5.04 | 3.27 | 4.01 | 2.98 | 2.91 | 5.23 | 2.65 | 6.69 | 5.39 | 5.00 | 6.05 | 8.48 | 8.82 |
| Fixed Assets | 0.11 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.36 | 0.31 | 0.56 | 0.38 | 0.19 | 0.15 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 4.93 | 3.27 | 4.01 | 2.58 | 2.91 | 5.23 | 2.65 | 6.33 | 5.08 | 4.44 | 5.67 | 8.29 | 8.67 |
| Total Assets | 5.04 | 3.27 | 4.01 | 2.98 | 2.91 | 5.23 | 2.65 | 6.69 | 5.39 | 5.00 | 6.05 | 8.48 | 8.82 |
Below is a detailed analysis of the balance sheet data for Goyal Associates 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 5.29 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 5.29 Cr..
- For Reserves, as of Sep 2025, the value is 0.28 Cr.. The value appears strong and on an upward trend. It has increased from 0.21 Cr. (Mar 2025) to 0.28 Cr., marking an increase of 0.07 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2.20 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.93 Cr. (Mar 2025) to 2.20 Cr., marking an increase of 0.27 Cr..
- For Total Liabilities, as of Sep 2025, the value is 8.82 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8.48 Cr. (Mar 2025) to 8.82 Cr., marking an increase of 0.34 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.15 Cr.. The value appears to be declining and may need further review. It has decreased from 0.19 Cr. (Mar 2025) to 0.15 Cr., marking a decrease of 0.04 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 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 8.67 Cr.. The value appears strong and on an upward trend. It has increased from 8.29 Cr. (Mar 2025) to 8.67 Cr., marking an increase of 0.38 Cr..
- For Total Assets, as of Sep 2025, the value is 8.82 Cr.. The value appears strong and on an upward trend. It has increased from 8.48 Cr. (Mar 2025) to 8.82 Cr., marking an increase of 0.34 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 | -6.50 | -4.64 | -0.07 | -0.03 | -0.06 | -0.63 | 0.20 | -3.04 | -2.20 | -0.26 | -0.04 | -0.10 |
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 | 41.71 | 0.00 | 0.00 | 0.00 | 341.07 | 194.85 | 17.14 | 31.20 | 2.40 | 137.01 | 40.88 | 22.21 |
| Inventory Days | 587.56 | 478.28 | 6,778.57 | 8,395.00 | 845.58 | 53.83 | 56.93 | 0.00 | ||||
| Days Payable | 0.00 | 0.00 | 5,214.29 | 0.00 | 0.00 | 150.72 | 18.98 | |||||
| Cash Conversion Cycle | 629.28 | 478.28 | 1,564.29 | 8,395.00 | 1,186.65 | 97.96 | 55.09 | 31.20 | 2.40 | 137.01 | 40.88 | 22.21 |
| Working Capital Days | -1,574.71 | -1,143.67 | 2,190.00 | 6,413.57 | 1,250.57 | 92.76 | 51.42 | 65.51 | -273.75 | 35.32 | -95.39 | 824.37 |
| ROCE % | -4.39% | -0.72% | -2.24% | -1.01% | -2.04% | -24.32% | 8.47% | 2.96% | -6.80% | 20.84% | 22.57% | 17.37% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 0.16 | 0.13 | 0.12 | -0.10 | 0.01 |
| Diluted EPS (Rs.) | 0.14 | 0.13 | 0.12 | -0.10 | 0.01 |
| Cash EPS (Rs.) | 0.16 | 0.17 | 0.15 | -0.06 | 0.02 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 1.04 | 0.69 | 0.55 | 0.43 | 0.53 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 1.04 | 0.69 | 0.55 | 0.43 | 0.53 |
| Revenue From Operations / Share (Rs.) | 0.49 | 0.79 | 0.72 | 0.32 | 0.24 |
| PBDIT / Share (Rs.) | 0.20 | 0.23 | 0.20 | -0.04 | 0.03 |
| PBIT / Share (Rs.) | 0.17 | 0.19 | 0.17 | -0.07 | 0.02 |
| PBT / Share (Rs.) | 0.16 | 0.17 | 0.14 | -0.09 | 0.01 |
| Net Profit / Share (Rs.) | 0.13 | 0.13 | 0.12 | -0.09 | 0.01 |
| PBDIT Margin (%) | 40.51 | 29.71 | 28.42 | -13.85 | 15.04 |
| PBIT Margin (%) | 35.87 | 24.82 | 23.60 | -22.05 | 10.33 |
| PBT Margin (%) | 32.86 | 22.43 | 20.60 | -29.53 | 5.28 |
| Net Profit Margin (%) | 28.10 | 16.81 | 17.03 | -29.53 | 4.45 |
| Return on Networth / Equity (%) | 13.40 | 19.40 | 22.22 | -22.04 | 2.08 |
| Return on Capital Employeed (%) | 14.99 | 23.54 | 27.49 | -15.95 | 4.66 |
| Return On Assets (%) | 8.70 | 10.41 | 11.60 | -8.30 | 0.77 |
| Total Debt / Equity (X) | 0.19 | 0.35 | 0.47 | 0.97 | 1.29 |
| Asset Turnover Ratio (%) | 0.36 | 0.67 | 0.65 | 0.25 | 0.24 |
| Current Ratio (X) | 3.77 | 2.70 | 2.14 | 1.54 | 1.54 |
| Quick Ratio (X) | 3.77 | 2.70 | 2.14 | 1.54 | 1.54 |
| Interest Coverage Ratio (X) | 13.47 | 12.40 | 9.48 | -1.85 | 2.98 |
| Interest Coverage Ratio (Post Tax) (X) | 10.34 | 8.01 | 6.68 | -2.95 | 1.88 |
| Enterprise Value (Cr.) | 8.48 | 9.36 | 14.19 | 9.24 | 18.94 |
| EV / Net Operating Revenue (X) | 3.23 | 2.49 | 4.16 | 6.10 | 16.24 |
| EV / EBITDA (X) | 7.97 | 8.40 | 14.65 | -44.00 | 107.99 |
| MarketCap / Net Operating Revenue (X) | 2.88 | 2.20 | 3.83 | 5.05 | 14.05 |
| Price / BV (X) | 1.38 | 2.54 | 5.00 | 3.77 | 6.58 |
| Price / Net Operating Revenue (X) | 2.88 | 2.20 | 3.83 | 5.05 | 14.06 |
| EarningsYield | 0.09 | 0.07 | 0.04 | -0.05 | 0.00 |
After reviewing the key financial ratios for Goyal Associates Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.16. This value is below the healthy minimum of 5. It has increased from 0.13 (Mar 24) to 0.16, marking an increase of 0.03.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.14. This value is below the healthy minimum of 5. It has increased from 0.13 (Mar 24) to 0.14, marking an increase of 0.01.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.16. This value is below the healthy minimum of 3. It has decreased from 0.17 (Mar 24) to 0.16, marking a decrease of 0.01.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1.04. It has increased from 0.69 (Mar 24) to 1.04, marking an increase of 0.35.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1.04. It has increased from 0.69 (Mar 24) to 1.04, marking an increase of 0.35.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 0.49. It has decreased from 0.79 (Mar 24) to 0.49, marking a decrease of 0.30.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.20. This value is below the healthy minimum of 2. It has decreased from 0.23 (Mar 24) to 0.20, marking a decrease of 0.03.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.17. This value is within the healthy range. It has decreased from 0.19 (Mar 24) to 0.17, marking a decrease of 0.02.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.16. This value is within the healthy range. It has decreased from 0.17 (Mar 24) to 0.16, marking a decrease of 0.01.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.13. This value is below the healthy minimum of 2. There is no change compared to the previous period (Mar 24) which recorded 0.13.
- For PBDIT Margin (%), as of Mar 25, the value is 40.51. This value is within the healthy range. It has increased from 29.71 (Mar 24) to 40.51, marking an increase of 10.80.
- For PBIT Margin (%), as of Mar 25, the value is 35.87. This value exceeds the healthy maximum of 20. It has increased from 24.82 (Mar 24) to 35.87, marking an increase of 11.05.
- For PBT Margin (%), as of Mar 25, the value is 32.86. This value is within the healthy range. It has increased from 22.43 (Mar 24) to 32.86, marking an increase of 10.43.
- For Net Profit Margin (%), as of Mar 25, the value is 28.10. This value exceeds the healthy maximum of 10. It has increased from 16.81 (Mar 24) to 28.10, marking an increase of 11.29.
- For Return on Networth / Equity (%), as of Mar 25, the value is 13.40. This value is below the healthy minimum of 15. It has decreased from 19.40 (Mar 24) to 13.40, marking a decrease of 6.00.
- For Return on Capital Employeed (%), as of Mar 25, the value is 14.99. This value is within the healthy range. It has decreased from 23.54 (Mar 24) to 14.99, marking a decrease of 8.55.
- For Return On Assets (%), as of Mar 25, the value is 8.70. This value is within the healthy range. It has decreased from 10.41 (Mar 24) to 8.70, marking a decrease of 1.71.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.19. This value is within the healthy range. It has decreased from 0.35 (Mar 24) to 0.19, marking a decrease of 0.16.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.36. It has decreased from 0.67 (Mar 24) to 0.36, marking a decrease of 0.31.
- For Current Ratio (X), as of Mar 25, the value is 3.77. This value exceeds the healthy maximum of 3. It has increased from 2.70 (Mar 24) to 3.77, marking an increase of 1.07.
- For Quick Ratio (X), as of Mar 25, the value is 3.77. This value exceeds the healthy maximum of 2. It has increased from 2.70 (Mar 24) to 3.77, marking an increase of 1.07.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 13.47. This value is within the healthy range. It has increased from 12.40 (Mar 24) to 13.47, marking an increase of 1.07.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 10.34. This value is within the healthy range. It has increased from 8.01 (Mar 24) to 10.34, marking an increase of 2.33.
- For Enterprise Value (Cr.), as of Mar 25, the value is 8.48. It has decreased from 9.36 (Mar 24) to 8.48, marking a decrease of 0.88.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.23. This value exceeds the healthy maximum of 3. It has increased from 2.49 (Mar 24) to 3.23, marking an increase of 0.74.
- For EV / EBITDA (X), as of Mar 25, the value is 7.97. This value is within the healthy range. It has decreased from 8.40 (Mar 24) to 7.97, marking a decrease of 0.43.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.88. This value is within the healthy range. It has increased from 2.20 (Mar 24) to 2.88, marking an increase of 0.68.
- For Price / BV (X), as of Mar 25, the value is 1.38. This value is within the healthy range. It has decreased from 2.54 (Mar 24) to 1.38, marking a decrease of 1.16.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.88. This value is within the healthy range. It has increased from 2.20 (Mar 24) to 2.88, marking an increase of 0.68.
- For EarningsYield, as of Mar 25, the value is 0.09. This value is below the healthy minimum of 5. It has increased from 0.07 (Mar 24) to 0.09, marking an increase of 0.02.
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 Goyal Associates Ltd:
- Net Profit Margin: 28.1%
- 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: 14.99% (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%: 13.4% (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): 10.34
- 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: 3.77
- 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: 9.64 (Industry average Stock P/E: 52.39)
- 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: 0.19
- 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: 28.1%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 401, Phoenix Complex, Waghodia Road, Vadodra Gujarat 390019 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vuppala Naga Malleshwa Rao | Non Exe.Non Ind.Director |
| Mr. Vikram Singh Thakur | Ind. Non-Executive Director |
| Mr. Hasmukh Prajapati | Ind. Non-Executive Director |
| Mr. Harish Sharma | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Goyal Associates Ltd?
Goyal Associates Ltd's intrinsic value (as of 02 February 2026) is ₹1.45 which is 59.34% higher the current market price of ₹0.91, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹4.82 Cr. market cap, FY2025-2026 high/low of ₹1.70/0.85, reserves of ₹0.28 Cr, and liabilities of ₹8.82 Cr.
What is the Market Cap of Goyal Associates Ltd?
The Market Cap of Goyal Associates Ltd is 4.82 Cr..
What is the current Stock Price of Goyal Associates Ltd as on 02 February 2026?
The current stock price of Goyal Associates Ltd as on 02 February 2026 is ₹0.91.
What is the High / Low of Goyal Associates Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Goyal Associates Ltd stocks is ₹1.70/0.85.
What is the Stock P/E of Goyal Associates Ltd?
The Stock P/E of Goyal Associates Ltd is 9.64.
What is the Book Value of Goyal Associates Ltd?
The Book Value of Goyal Associates Ltd is 1.05.
What is the Dividend Yield of Goyal Associates Ltd?
The Dividend Yield of Goyal Associates Ltd is 0.00 %.
What is the ROCE of Goyal Associates Ltd?
The ROCE of Goyal Associates Ltd is 17.4 %.
What is the ROE of Goyal Associates Ltd?
The ROE of Goyal Associates Ltd is 16.9 %.
What is the Face Value of Goyal Associates Ltd?
The Face Value of Goyal Associates Ltd is 1.00.