Gowra Leasing & Finance Ltd

Gowra Leasing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Gowra Leasing & Finance Ltd

₹ 90.0 -0.07%
01 Feb - close price
gowraleasing.com BSE: 530709
About

Incorporated in 1993, Gowra Leasing & Finance Ltd is in the business of leasing and finance.[1]

Key Points

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.

Website BSE
  • Market Cap ₹ 69.8 Cr.
  • Current Price ₹ 90.0
  • High / Low ₹ 152 / 49.0
  • Stock P/E 12.0
  • Book Value ₹ 65.8
  • Dividend Yield 0.00 %
  • ROCE 18.3 %
  • ROE 16.9 %
  • Face Value ₹ 10.0
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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
  • Promoter holding has decreased over last quarter: -0.50%
  • 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

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
0.41 0.47 0.47 1.00 0.56 0.61 0.60 0.69 0.88 1.52 2.15 2.62 2.87
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.08 0.31 0.41 0.68 0.81
0.18 0.19 0.18 0.98 0.18 0.19 0.19 0.17 0.26 0.26 0.31 0.22 0.47
Financing Profit 0.23 0.28 0.29 0.02 0.38 0.42 0.41 0.50 0.54 0.95 1.43 1.72 1.59
Financing Margin % 56.10% 59.57% 61.70% 2.00% 67.86% 68.85% 68.33% 72.46% 61.36% 62.50% 66.51% 65.65% 55.40%
0.02 0.34 0.14 1.42 0.24 0.01 0.00 0.04 0.22 1.27 0.91 0.01 0.01
Depreciation 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
Profit before tax 0.25 0.62 0.43 1.44 0.62 0.43 0.41 0.54 0.76 2.22 2.34 1.73 1.60
Tax % 24.00% 25.81% 53.49% 25.69% 19.35% 25.58% 26.83% 25.93% 25.00% 18.92% 34.62% 25.43% 25.00%
0.19 0.46 0.21 1.08 0.50 0.32 0.31 0.40 0.57 1.80 1.53 1.29 1.19
EPS in Rs 0.63 1.53 0.70 3.60 1.67 1.07 1.03 1.33 1.90 3.30 2.81 2.37 2.18
Gross NPA %
Net NPA %
Raw PDF

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
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
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
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 5.69
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% 62.12%
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
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: 13%
5 Years: 36%
3 Years: 66%
1 Year: 70%
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%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
60.67% 60.67% 60.59% 60.71% 60.71% 61.04% 61.04% 61.04% 60.88% 60.87% 60.48% 59.98%
39.32% 39.31% 39.40% 39.28% 39.28% 38.96% 38.96% 38.95% 39.10% 39.13% 39.53% 40.02%
No. of Shareholders 1,6741,6911,7551,8241,8561,8652,0781,9622,2102,0972,2772,243

Documents

Announcements

Annual reports