Gowra Leasing & Finance Ltd
₹ 98.1
2.74%
24 Oct
- close price
About
Incorporated in 1993, Gowra Leasing & Finance Ltd is in the business of leasing and finance.[1]
Key Points
- Market Cap ₹ 53.5 Cr.
- Current Price ₹ 98.1
- High / Low ₹ 152 / 42.8
- Stock P/E 9.21
- Book Value ₹ 65.8
- Dividend Yield 0.00 %
- ROCE 18.3 %
- ROE 16.9 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 50.8% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 13.1% over last 3 years.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | |
| 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% |
| 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% | |
| 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% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 19% |
| 5 Years: | 44% |
| 3 Years: | 83% |
| TTM: | 230% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 32% |
| 5 Years: | 51% |
| 3 Years: | 106% |
| TTM: | 263% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 47% |
| 3 Years: | 67% |
| 1 Year: | 57% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 10% |
| 3 Years: | 13% |
| Last Year: | 17% |
Balance Sheet
Figures in Rs. Crores
| 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 |
| 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 | |
| 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 |
| 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 |
| 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 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -1.94 | 1.26 | 1.47 | 0.76 | 2.30 | -1.91 | 0.51 | -0.92 | -0.11 | 0.26 | -1.16 | -32.91 | |
| 0.74 | -0.24 | 3.23 | 0.16 | -0.10 | 0.00 | 0.57 | 0.39 | 0.55 | -0.01 | 0.52 | 0.11 | |
| -0.34 | -0.35 | -5.41 | -0.45 | -0.36 | -0.36 | -0.36 | -0.21 | -0.39 | 0.00 | 0.50 | 32.63 | |
| Net Cash Flow | -1.54 | 0.67 | -0.71 | 0.47 | 1.84 | -2.27 | 0.72 | -0.74 | 0.04 | 0.25 | -0.13 | -0.17 |
Ratios
Figures in Rs. Crores
| 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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
16 Oct - Company has duly published the unaudited Financial Results for the quarter ended 30th September, 2025. The copy been enclosed.
-
Announcement Under Regulation 30 Of SEBI (LODR), 2015
15 Oct - Board approved up to Rs10 crore investment in shares and mutual funds (15 Oct 2025).
- Results - Financial Results For Quarter And Half Year Ended 30Th September, 2025 (30-09-2025) 15 Oct
-
Board Meeting Outcome for Outcome Of Board Meeting Held On 15Th October, 2025
15 Oct - Unaudited quarter and half-year results for Sept 30, 2025 approved; limited review; invest up to Rs10 crore.
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
14 Oct - Certificate from our Share Transfer Agent i.e. Kfin Technologies Limited as per Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended 30th September, …
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
Business Overview:[1]
GLFL is a Non-Systematically Important
Non-Deposit Taking Non-Banking Financial Company and comes under the Base Layer
(BL). It is essentially a loan company categorized by Reserve Bank of India with an asset size of less than Rs. 100 Crores. The main business of the company is to extend loans, advances, etc.