Qgo Finance Ltd

About

QGO Finance is engaged in the business of Financial Services.

  • Market Cap 18.2 Cr.
  • Current Price 26.1
  • High / Low 33.5 / 15.5
  • Stock P/E 24.9
  • Book Value 15.7
  • Dividend Yield 0.38 %
  • ROCE 12.5 %
  • ROE 8.18 %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.35%
  • Company has a low return on equity of 6.59% for last 3 years.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
0.48 0.72 0.73 0.86 0.93 1.08 1.08 1.18 1.39 1.57 1.60 1.77
0.24 0.19 0.26 0.26 0.28 0.32 0.28 0.30 0.33 0.32 0.33 0.41
Operating Profit 0.24 0.53 0.47 0.60 0.65 0.76 0.80 0.88 1.06 1.25 1.27 1.36
OPM % 50.00% 73.61% 64.38% 69.77% 69.89% 70.37% 74.07% 74.58% 76.26% 79.62% 79.38% 76.84%
Other Income 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.08 0.23 0.31 0.39 0.44 0.58 0.58 0.65 0.84 0.98 0.98 1.03
Depreciation 0.00 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Profit before tax 0.16 0.29 0.15 0.20 0.20 0.18 0.21 0.22 0.21 0.26 0.28 0.32
Tax % 25.00% 34.48% 26.67% 25.00% 20.00% 16.67% 28.57% 36.36% 28.57% 38.46% 35.71% 37.50%
Net Profit 0.11 0.19 0.12 0.15 0.17 0.15 0.16 0.15 0.16 0.17 0.19 0.21
EPS in Rs 0.16 0.27 0.17 0.22 0.24 0.22 0.23 0.22 0.23 0.24 0.27 0.30

Profit & Loss

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 TTM
0.38 0.54 0.60 0.43 0.68 0.55 0.37 0.39 0.40 1.49 3.60 5.20 6.33
0.26 0.37 0.41 0.38 0.43 0.35 0.47 0.33 0.32 0.53 0.91 0.96 1.39
Operating Profit 0.12 0.17 0.19 0.05 0.25 0.20 -0.10 0.06 0.08 0.96 2.69 4.24 4.94
OPM % 31.58% 31.48% 31.67% 11.63% 36.76% 36.36% -27.03% 15.38% 20.00% 64.43% 74.72% 81.54% 78.04%
Other Income -0.01 0.00 0.00 0.00 0.11 0.00 -0.04 0.00 -0.01 -0.44 -0.18 -0.23 0.00
Interest 0.04 0.08 0.11 0.01 0.09 0.03 0.00 0.00 0.01 0.32 1.73 3.05 3.83
Depreciation 0.02 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.01 0.03 0.03 0.04
Profit before tax 0.05 0.07 0.06 0.03 0.26 0.17 -0.14 0.06 0.06 0.19 0.75 0.93 1.07
Tax % 40.00% 0.00% 50.00% 66.67% 23.08% 64.71% -7.14% 100.00% 50.00% 78.95% 21.33% 31.18%
Net Profit 0.03 0.07 0.03 0.01 0.20 0.06 -0.15 0.00 0.03 0.04 0.58 0.64 0.73
EPS in Rs 0.09 0.21 0.09 0.03 0.60 0.18 -0.45 0.00 0.09 0.06 0.83 0.92 1.04
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 28%
5 Years: 70%
3 Years: 135%
TTM: 48%
Compounded Profit Growth
10 Years: 55%
5 Years: 56%
3 Years: 173%
TTM: 16%
Stock Price CAGR
10 Years: %
5 Years: 12%
3 Years: 19%
1 Year: 37%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 7%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Sep 2021
3.78 3.78 3.78 3.78 3.35 3.35 3.35 3.35 3.35 6.95 6.95 6.95 6.95
Reserves 0.36 0.44 0.47 0.47 1.13 1.19 1.04 1.04 1.08 1.69 2.50 3.41 3.98
Borrowings 0.57 0.93 0.02 0.00 0.00 0.29 0.00 0.01 0.00 7.75 17.75 29.75 38.75
0.15 0.23 0.26 0.30 0.16 0.14 0.09 0.13 0.14 0.23 1.91 3.36 2.27
Total Liabilities 4.86 5.38 4.53 4.55 4.64 4.97 4.48 4.53 4.57 16.62 29.11 43.47 51.95
0.14 0.12 0.07 0.06 0.02 0.00 0.00 0.00 0.00 0.09 0.08 0.09 0.09
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 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4.72 5.02 4.46 4.49 4.62 4.97 4.48 4.53 4.57 16.53 29.03 43.38 51.86
Total Assets 4.86 5.38 4.53 4.55 4.64 4.97 4.48 4.53 4.57 16.62 29.11 43.47 51.95

Cash Flows

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
-1.98 -0.21 0.86 0.02 0.49 -0.32 0.39 -0.05 0.01 -3.61 0.32 -0.16
1.47 -0.24 0.26 0.00 0.11 0.01 0.00 0.00 0.00 -0.10 -0.02 -0.04
0.48 0.37 -0.91 -0.02 -0.70 0.29 -0.29 0.01 -0.01 3.60 0.00 0.00
Net Cash Flow -0.03 -0.08 0.21 0.00 -0.10 -0.02 0.10 -0.04 0.00 -0.10 0.30 -0.19

Ratios

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 4,303.16 3,237.69 2,427.25 3,386.86 2,291.99 3,099.18 4,074.19 3,986.92 3,914.62 -14.70 -167.29 -199.35
ROCE % 2.25% 3.04% 3.61% 0.94% 4.30% -2.17% 1.37% 1.81% 9.13% 12.25% 12.54%

Shareholding Pattern

Numbers in percentages

Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
91.01 83.28 83.28 75.00 75.00 75.00 75.00 73.04 66.72 66.72 65.28 63.93
8.99 16.72 16.72 25.00 25.00 25.00 25.00 26.96 33.28 33.28 34.72 36.07

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