Share Price and Basic Stock Data
Last Updated: December 24, 2025, 4:38 am
| PEG Ratio | 2.88 |
|---|
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 a current market capitalization of ₹5.66 Cr and a stock price of ₹1.07. The company has demonstrated fluctuating revenue trends over the past few quarters. Sales stood at ₹0.56 Cr in June 2022, increased to ₹1.26 Cr by March 2023, and subsequently recorded ₹0.98 Cr in June 2023, before falling to ₹0.93 Cr in September 2023. The total sales for the fiscal year ending March 2024 were reported at ₹3.75 Cr, a notable increase from ₹3.41 Cr in the previous year. The trailing twelve months (TTM) revenue is ₹1.95 Cr, indicating a decline in the recent quarters compared to earlier spikes. The company’s operational performance has shown variability, with quarterly sales reflecting a lack of consistent growth. Overall, the revenue trends suggest a need for strategic initiatives to stabilize earnings and foster growth in a competitive financial landscape.
Profitability and Efficiency Metrics
In terms of profitability, Goyal Associates Ltd reported a net profit of ₹0.50 Cr, yielding a return on equity (ROE) of 16.9% and a return on capital employed (ROCE) of 17.4%. The operating profit margin (OPM) was recorded at 10.71%, reflecting the company’s ability to maintain some level of profitability despite fluctuating sales. The interest coverage ratio (ICR) stood at a robust 13.47x, indicating strong earnings relative to interest obligations. However, the company faced challenges in operational profitability during certain periods, notably recording an operating profit margin of just 0.79% in March 2023. The cash conversion cycle (CCC) was reported at 22.21 days, which is relatively efficient and suggests that Goyal Associates can manage its working capital effectively. Nevertheless, the variability in OPM and net profit margins raises concerns regarding the company’s ability to sustain profitability amidst changing market conditions.
Balance Sheet Strength and Financial Ratios
Goyal Associates Ltd’s balance sheet reflects a total asset value of ₹8.48 Cr, with borrowings of ₹1.05 Cr and reserves of ₹0.28 Cr. The company’s debt-to-equity ratio is low at 0.19, indicating a conservative leverage position, which is favorable compared to typical sector norms. The price-to-book value (P/BV) ratio stands at 1.38x, suggesting that the stock is trading at a modest premium relative to its book value. The current ratio is strong at 3.77, indicating good short-term liquidity. Furthermore, the company has recorded a return on assets (ROA) of 8.70%, showcasing its efficacy in utilizing assets to generate earnings. Despite these strengths, the total liabilities have shown an increasing trend, which could pose risks if not managed effectively. The overall financial ratios paint a mixed picture, with solid liquidity and leverage metrics but potential concerns around growing liabilities.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Goyal Associates Ltd is predominantly in the hands of the public, with public ownership at 95.26%. Promoter holdings have declined to 4.72%, down from 5.33% earlier in the fiscal year. This reduction in promoter stake may raise questions regarding insider confidence in the company’s future. Domestic institutional investors (DIIs) hold a minimal 0.01% stake, while foreign institutional investors (FIIs) are not reported to have any holdings. The number of shareholders has increased significantly from 8,714 in December 2022 to 27,716 by March 2025, indicating growing retail interest. However, the concentration of public ownership alongside low institutional participation may lead to volatility in stock performance. The declining promoter stake coupled with high public ownership could reflect a cautious sentiment among larger investors, potentially impacting the company’s ability to attract institutional support in the future.
Outlook, Risks, and Final Insight
Looking ahead, Goyal Associates Ltd faces both opportunities and risks. The company’s strong liquidity position and low debt levels are significant strengths that can facilitate growth initiatives. However, the inconsistent revenue and profitability trends pose risks, particularly if the company fails to stabilize its earnings. Additionally, the reduction in promoter holdings could signal underlying concerns regarding management confidence. The reliance on public sector investors may lead to stock price volatility, particularly in a challenging market environment. For Goyal Associates to enhance its market position, it will need to implement strategies that drive sustainable revenue growth and improve profitability. Enhancing operational efficiency and potentially increasing institutional investor interest could be critical for long-term success. Overall, the company’s future performance will depend on effective management of its operational challenges and strategic growth initiatives.
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 | 14.9 Cr. | 1.49 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.53 Cr. | 0.75 | 8.75/0.75 | 22.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 481 Cr. | 66.0 | 130/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.0 Cr. | 18.5 | 34.4/15.0 | 12.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.3 Cr. | 82.8 | 162/74.8 | 19.9 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,369.13 Cr | 455.95 | 54.06 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.56 | 0.78 | 0.09 | 1.26 | 0.98 | 0.93 | 0.93 | 0.92 | 0.81 | 0.44 | 0.89 | 0.49 | 0.28 |
| Expenses | 0.34 | 0.50 | 0.06 | 1.25 | 0.70 | 0.67 | 0.65 | 0.62 | 0.57 | 0.28 | 0.53 | 0.31 | 0.25 |
| Operating Profit | 0.22 | 0.28 | 0.03 | 0.01 | 0.28 | 0.26 | 0.28 | 0.30 | 0.24 | 0.16 | 0.36 | 0.18 | 0.03 |
| OPM % | 39.29% | 35.90% | 33.33% | 0.79% | 28.57% | 27.96% | 30.11% | 32.61% | 29.63% | 36.36% | 40.45% | 36.73% | 10.71% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.12 | 0.00 |
| Interest | 0.03 | 0.04 | 0.00 | 0.02 | 0.04 | 0.01 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 |
| Depreciation | 0.03 | 0.03 | 0.00 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 |
| Profit before tax | 0.16 | 0.21 | 0.03 | -0.05 | 0.19 | 0.20 | 0.20 | 0.24 | 0.19 | 0.11 | 0.31 | 0.25 | 0.01 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 26.32% | 0.00% | 25.00% | 4.17% | 0.00% | 0.00% | 0.00% | 48.00% | 0.00% |
| Net Profit | 0.16 | 0.21 | 0.02 | -0.05 | 0.14 | 0.20 | 0.15 | 0.24 | 0.18 | 0.11 | 0.31 | 0.13 | 0.01 |
| EPS in Rs | 0.03 | 0.04 | 0.00 | -0.01 | 0.03 | 0.04 | 0.03 | 0.05 | 0.04 | 0.02 | 0.07 | 0.02 | 0.00 |
Last Updated: August 19, 2025, 2:25 pm
Below is a detailed analysis of the quarterly data for Goyal Associates Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.28 Cr.. The value appears to be declining and may need further review. It has decreased from 0.49 Cr. (Mar 2025) to 0.28 Cr., marking a decrease of 0.21 Cr..
- For Expenses, as of Jun 2025, the value is 0.25 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.31 Cr. (Mar 2025) to 0.25 Cr., marking a decrease of 0.06 Cr..
- For Operating Profit, as of Jun 2025, the value is 0.03 Cr.. The value appears to be declining and may need further review. It has decreased from 0.18 Cr. (Mar 2025) to 0.03 Cr., marking a decrease of 0.15 Cr..
- For OPM %, as of Jun 2025, the value is 10.71%. The value appears to be declining and may need further review. It has decreased from 36.73% (Mar 2025) to 10.71%, marking a decrease of 26.02%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.12 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.12 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.02 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.02 Cr..
- For Depreciation, as of Jun 2025, the value is 0.02 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.03 Cr. (Mar 2025) to 0.02 Cr., marking a decrease of 0.01 Cr..
- For Profit before tax, as of Jun 2025, the value is 0.01 Cr.. The value appears to be declining and may need further review. It has decreased from 0.25 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.24 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be improving (decreasing) as expected. It has decreased from 48.00% (Mar 2025) to 0.00%, marking a decrease of 48.00%.
- For Net Profit, as of Jun 2025, the value is 0.01 Cr.. The value appears to be declining and may need further review. It has decreased from 0.13 Cr. (Mar 2025) to 0.01 Cr., marking a decrease of 0.12 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.00. The value appears to be declining and may need further review. It has decreased from 0.02 (Mar 2025) to 0.00, marking a decrease of 0.02.
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: 15.8%)
- 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%: 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: 10.7 (Industry average Stock P/E: 54.06)
- 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 24 December 2025) is 1.55 which is 53.47% higher the current market price of 1.01, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 5.35 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 5.35 Cr..
What is the current Stock Price of Goyal Associates Ltd as on 24 December 2025?
The current stock price of Goyal Associates Ltd as on 24 December 2025 is 1.01.
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 10.7.
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.