Gowra Leasing & Finance Ltd
₹ 82.7
0.82%
07 May
- close price
About
Incorporated in 1993, Gowra Leasing & Finance Ltd is in the business of leasing and finance.[1]
Key Points
- Market Cap ₹ 64.0 Cr.
- Current Price ₹ 82.7
- High / Low ₹ 152 / 70.6
- Stock P/E 11.0
- Book Value ₹ 87.0
- Dividend Yield 0.00 %
- ROCE 14.6 %
- ROE 11.5 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.95 times its book value
- Company has delivered good profit growth of 58.0% 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 13.2% over last 3 years.
* 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.35 | 1.29 | 1.28 | 1.01 | 1.18 | 1.22 | 1.43 | 1.25 | 1.67 | 3.54 | 7.64 | 11.39 | |
| Interest | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 | 0.81 | 2.49 |
| 1.00 | 0.53 | 1.00 | 0.60 | 0.56 | 0.58 | 0.83 | 0.73 | 0.69 | 1.54 | 1.02 | 1.36 | |
| Financing Profit | 0.34 | 0.76 | 0.28 | 0.41 | 0.61 | 0.64 | 0.60 | 0.49 | 0.98 | 2.00 | 5.81 | 7.54 |
| Financing Margin % | 25.19% | 58.91% | 21.88% | 40.59% | 51.69% | 52.46% | 41.96% | 39.20% | 58.68% | 56.50% | 76.05% | 66.20% |
| 0.05 | 0.08 | 1.10 | 0.67 | 0.14 | 0.14 | 0.33 | 0.43 | 0.55 | 0.90 | 0.04 | 0.21 | |
| Depreciation | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
| Profit before tax | 0.39 | 0.84 | 1.37 | 1.07 | 0.74 | 0.77 | 0.93 | 0.92 | 1.53 | 2.90 | 5.85 | 7.74 |
| Tax % | 30.77% | 30.95% | 33.58% | 26.17% | 24.32% | 20.78% | 20.43% | 17.39% | 32.68% | 23.79% | 26.67% | 24.94% |
| 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 | 0.90 | 1.90 | 3.03 | 2.67 | 1.83 | 2.07 | 2.47 | 2.53 | 3.43 | 7.37 | 7.87 | 7.50 |
| Dividend Payout % | 111.11% | 52.63% | 32.97% | 37.50% | 54.55% | 48.39% | 40.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | 51% |
| 3 Years: | 90% |
| TTM: | 49% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 58% |
| 3 Years: | 78% |
| TTM: | 35% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 36% |
| 3 Years: | 60% |
| 1 Year: | -6% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 11% |
| 3 Years: | 13% |
| Last Year: | 12% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 5.45 | 7.75 |
| Reserves | 8.20 | 8.41 | 8.96 | 9.40 | 9.59 | 9.91 | 10.35 | 11.11 | 12.14 | 14.35 | 27.97 | 59.65 |
| Borrowing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 | 0.50 | 21.35 | 17.79 |
| 0.79 | 2.85 | 1.93 | 1.77 | 1.71 | 1.84 | 1.56 | 0.36 | 0.26 | 0.15 | 0.31 | 1.12 | |
| Total Liabilities | 11.99 | 14.26 | 13.89 | 14.17 | 14.30 | 14.75 | 15.00 | 14.47 | 15.40 | 18.00 | 55.08 | 86.31 |
| 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 |
| Investments | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.07 | 0.14 | 0.00 | 0.00 |
| 7.62 | 13.12 | 12.81 | 13.00 | 9.46 | 10.39 | 10.85 | 10.52 | 11.39 | 14.34 | 51.53 | 82.76 | |
| Total Assets | 11.99 | 14.26 | 13.89 | 14.17 | 14.30 | 14.75 | 15.00 | 14.47 | 15.40 | 18.00 | 55.08 | 86.31 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.26 | 1.47 | 0.76 | 2.30 | -1.91 | 0.51 | -0.92 | -0.11 | 0.26 | -1.16 | -32.91 | -22.02 | |
| -0.24 | 3.23 | 0.16 | -0.10 | 0.00 | 0.57 | 0.39 | 0.55 | -0.01 | 0.52 | 0.11 | -1.94 | |
| -0.35 | -5.41 | -0.45 | -0.36 | -0.36 | -0.36 | -0.21 | -0.39 | 0.00 | 0.50 | 32.63 | 23.96 | |
| Net Cash Flow | 0.67 | -0.71 | 0.47 | 1.84 | -2.27 | 0.72 | -0.74 | 0.04 | 0.25 | -0.13 | -0.17 | 0.00 |
| Free Cash Flow | 1.02 | 4.70 | 0.92 | 2.20 | -1.91 | 0.81 | -0.53 | 0.44 | 0.25 | -0.56 | -32.94 | -22.03 |
| CFO/OP | 431% | 224% | 404% | 615% | -279% | 102% | -115% | 15% | 53% | -32% | -473% | -220% |
Ratios
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2.40% | 5.04% | 7.19% | 4.02% | 4.08% | 4.31% | 4.49% | 3.57% | 7.04% | 12.68% | 16.90% | 11.53% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Non-Performing Assets (GNPA) ₹ Lakhs |
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| Net Non-Performing Assets (NNPA) ₹ Lakhs |
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| Secured Loan Portfolio ₹ Lakhs |
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| Total Loan Portfolio (Gross) ₹ Lakhs |
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| Unsecured Loan Portfolio ₹ Lakhs |
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| Capital Adequacy Ratio (CRAR/CRWA) Ratio |
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Documents
Announcements
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Announcement Under Regulation 30 For Approval For Borrowings
6h - Board approved intercorporate borrowing up to ₹25 crore in tranches on May 7, 2026.
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Results For Financial Year Ended 31St March, 2026 (31-03-2026)
6h - Board approved audited FY26 results on 7 May 2026; auditors issued unmodified opinion.
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Result For Financial Year Ended 31St March 2026 (31-03-2026)
6h - Gowra Leasing approved audited FY26 results on May 7, 2026; profit rose to Rs 580.50 lakh.
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Board Meeting Outcome for Outcome Of Board Meeting Held On 07 May, 2026
6h - Board approved audited FY2026 results; profit rose to Rs 580.50 lakh, with unmodified audit opinion.
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Board Meeting Intimation for Board Meeting Intimation For Approval Of Financial Results For The Quarter And Year Ended 31St March, 2026.
30 Apr - Board meeting on 7 May 2026 to approve audited results for quarter and year ended 31 March 2026.
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.