Share Price and Basic Stock Data
Last Updated: January 12, 2026, 11:32 pm
| PEG Ratio | 2.85 |
|---|
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, with its stock currently priced at ₹0.95 and a market capitalization of ₹5.03 Cr. The company has exhibited fluctuating revenue figures over recent quarters, with sales reported at ₹0.78 Cr in September 2022, declining to ₹0.09 Cr in December 2022, before experiencing a rebound to ₹1.26 Cr in March 2023. However, subsequent quarters saw a dip, with sales at ₹0.98 Cr in June 2023 and ₹0.93 Cr in September 2023. The trailing twelve months (TTM) revenue stands at ₹1.95 Cr, indicating a decrease compared to the ₹3.41 Cr reported for the fiscal year ending March 2023. This volatility in revenue highlights challenges faced by the company amid a competitive environment in the NBFC sector, which is characterized by a diverse range of players and evolving regulatory frameworks.
Profitability and Efficiency Metrics
Goyal Associates Ltd’s profitability metrics reveal a mixed performance. The company reported a net profit of ₹0.50 Cr and an operating profit margin (OPM) of 24.14%. Over the past fiscal year, the company has shown signs of recovery in profitability, with operating profit rising to ₹1.10 Cr for the year ending March 2024, after a net profit of ₹0.59 Cr in March 2023. The return on equity (ROE) stood at 16.9%, while the return on capital employed (ROCE) was recorded at 17.4%. However, the company has faced challenges as evidenced by its fluctuating OPM, which peaked at 40.51% in March 2025 but had lower margins of 28.57% in June 2023 and 27.96% in September 2023. The interest coverage ratio of 13.47x indicates a strong ability to meet interest obligations, reflecting a robust operating performance despite the revenue fluctuations.
Balance Sheet Strength and Financial Ratios
Goyal Associates Ltd’s balance sheet reflects a cautious financial posture, with total borrowings reported at ₹1.05 Cr against reserves of ₹0.28 Cr as of March 2025. The company’s total liabilities stood at ₹8.48 Cr, while total assets were recorded at ₹8.82 Cr, indicating a healthy asset base relative to liabilities. The debt-to-equity ratio of 0.19x suggests a low leverage position, which is favorable compared to typical sector norms where higher leverage is common. The company’s book value per share has improved to ₹1.04, up from ₹0.55 in March 2023, signaling an enhancement in shareholder equity. The current ratio of 3.77x and quick ratio of 3.77x further underscore the company’s strong liquidity position, indicating that it can comfortably meet its short-term obligations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Goyal Associates Ltd reflects a significant public ownership, with the public holding 95.26% of shares as of March 2025. Promoter holdings have seen a slight decline from 5.33% in previous quarters to 4.72%, indicating a cautious approach by insiders. The presence of institutional investors remains minimal, with foreign institutional investors (FIIs) not reported and domestic institutional investors (DIIs) holding merely 0.01%. The increase in the number of shareholders from 8,714 in December 2022 to 27,716 by September 2025 suggests growing interest and confidence among retail investors despite the company’s recent operational challenges. This dynamic may indicate a potential for increased market participation, although the lack of institutional backing could be a concern for long-term stability.
Outlook, Risks, and Final Insight
Looking ahead, Goyal Associates Ltd faces both opportunities and challenges. The improvement in profitability metrics and a strong liquidity position provide a foundation for potential growth, particularly in a recovering economic environment. However, revenue volatility and the decline in promoter stakes may pose risks to investor confidence. Additionally, the company’s ability to sustain its operating profit margins will be critical as competition intensifies in the NBFC space. The ongoing changes in regulatory frameworks and market dynamics may also present both challenges and opportunities for the firm. Investors should remain vigilant regarding operational performance and market conditions, especially considering the current public ownership structure and the absence of institutional support, which could affect stock performance in the longer term.
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 | 13.8 Cr. | 1.38 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.83 Cr. | 0.68 | 7.55/0.62 | 20.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 390 Cr. | 59.7 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.7 Cr. | 16.0 | 26.2/15.0 | 11.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.5 Cr. | 72.3 | 152/70.0 | 17.4 | 238 | 1.38 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,873.87 Cr | 404.95 | 50.66 | 515.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| 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 |
| Operating Profit | 0.28 | 0.03 | 0.01 | 0.28 | 0.26 | 0.28 | 0.30 | 0.24 | 0.16 | 0.36 | 0.18 | 0.03 | 0.07 |
| OPM % | 35.90% | 33.33% | 0.79% | 28.57% | 27.96% | 30.11% | 32.61% | 29.63% | 36.36% | 40.45% | 36.73% | 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 |
| 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 |
| 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 |
Last Updated: December 26, 2025, 5:16 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 Sales, as of Sep 2025, the value is 0.29 Cr.. The value appears strong and on an upward trend. It has increased from 0.28 Cr. (Jun 2025) to 0.29 Cr., marking an increase of 0.01 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 Operating Profit, as of Sep 2025, the value is 0.07 Cr.. The value appears strong and on an upward trend. It has increased from 0.03 Cr. (Jun 2025) to 0.07 Cr., marking an increase of 0.04 Cr..
- For OPM %, as of Sep 2025, the value is 24.14%. The value appears strong and on an upward trend. It has increased from 10.71% (Jun 2025) to 24.14%, marking an increase of 13.43%.
- 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 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 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: December 10, 2025, 4:25 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 |
| Borrowings | 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 Borrowings, as of Sep 2025, the value is 1.05 Cr.. The value remains steady. However, Borrowings exceed Reserves, which may signal higher financial risk. There is no change compared to the previous period (Mar 2025) which recorded 1.05 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..
However, the Borrowings (1.05 Cr.) are higher than the Reserves (0.28 Cr.), which may signal higher financial risk.
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: 10.6 (Industry average Stock P/E: 50.66)
- 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 13 January 2026) is ₹1.53 which is 53.00% higher the current market price of ₹1.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹5.29 Cr. market cap, FY2025-2026 high/low of ₹1.77/0.86, 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 5.29 Cr..
What is the current Stock Price of Goyal Associates Ltd as on 13 January 2026?
The current stock price of Goyal Associates Ltd as on 13 January 2026 is ₹1.00.
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 ₹1.77/0.86.
What is the Stock P/E of Goyal Associates Ltd?
The Stock P/E of Goyal Associates Ltd is 10.6.
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.