Gowra Leasing & Finance Ltd
₹ 87.9
9.90%
12 Mar
- close price
About
Incorporated in 1993, Gowra Leasing & Finance Ltd is in the business of leasing and finance.[1]
Key Points
- Market Cap ₹ 68.1 Cr.
- Current Price ₹ 87.9
- High / Low ₹ 152 / 60.2
- Stock P/E 12.6
- Book Value ₹ 46.3
- 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 | 10.51 | |
| 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 | 2.64 |
| 0.81 | 1.00 | 0.53 | 1.00 | 0.60 | 0.56 | 0.58 | 0.83 | 0.73 | 0.69 | 1.54 | 1.02 | 1.34 | |
| Financing Profit | 0.56 | 0.34 | 0.76 | 0.28 | 0.41 | 0.61 | 0.64 | 0.60 | 0.49 | 0.98 | 2.00 | 5.81 | 6.53 |
| Financing Margin % | 40.88% | 25.19% | 58.91% | 21.88% | 40.59% | 51.69% | 52.46% | 41.96% | 39.20% | 58.68% | 56.50% | 76.05% | 62.13% |
| 0.03 | 0.05 | 0.08 | 1.10 | 0.67 | 0.14 | 0.14 | 0.33 | 0.43 | 0.55 | 0.90 | 0.04 | 0.96 | |
| 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 | 7.49 |
| 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 | 5.39 | |
| 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 | 9.14 |
| 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: | 185% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 32% |
| 5 Years: | 51% |
| 3 Years: | 106% |
| TTM: | 75% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 39% |
| 3 Years: | 67% |
| 1 Year: | 46% |
| 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 |
| Borrowing | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3.55% | 2.40% | 5.04% | 7.19% | 4.02% | 4.08% | 4.31% | 4.49% | 3.57% | 7.04% | 12.68% | 16.90% |
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 (LODR)-Newspaper Publication
12 Feb - Company has duly published the unaudited financial results for the quarter ended 31st December, 2025. The Company of the same is enclosed.
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Unaudited Financial Results For The Quarter And Nine Month Ended December 31, 2025
11 Feb - Q3 and 9M results to 31-Dec-2025: Qtr profit Rs137.55L, 9M profit Rs386.05L.
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Board Meeting Outcome for Outcome Of Board Meeting - Unaudited Financial Results For The Quarter And Nine Month Ended December 31, 2025
11 Feb - Board approved unaudited Q3/9M results to 31-Dec-2025: Qtr PAT Rs137.55L; 9M PAT Rs386.05L.
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Board Meeting Intimation for Approval Of Financial Results For Quarter And Nine Month Ended 31St December 2025
5 Feb - Board meeting on 11 Feb 2026 to approve unaudited Q3/9M results ended 31 Dec 2025.
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Intimation Of Listing Approval Received From BSE
5 Feb - BSE cleared listing of 2,293,400 equity shares Rs10 each at Rs110 premium (preferential), approval Feb 4, 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
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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.