Goenka Business & Finance Ltd
₹ 8.91
0.45%
28 Aug
- close price
About
Incorporated in 1987, Goenka Business & Finance Ltd is in the business of lending and other financial services
Key Points
- Market Cap ₹ 11.6 Cr.
- Current Price ₹ 8.91
- High / Low ₹ 21.9 / 7.88
- Stock P/E
- Book Value ₹ 24.0
- Dividend Yield 0.00 %
- ROCE 52.3 %
- ROE -1.85 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.37 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 5.50% over past five years.
- Promoter holding is low: 14.9%
- Company has a low return on equity of 1.93% over last 3 years.
- Working capital days have increased from -156 days to 139 days
* 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2.99 | 3.23 | 2.29 | 1.92 | 6.73 | 5.33 | 57.40 | 186.49 | 1,420.35 | 248.83 | 85.96 | 75.03 | 70.63 | |
| 2.92 | 2.45 | 2.07 | 1.77 | 7.31 | 6.41 | 48.77 | 166.90 | 1,403.58 | 238.89 | 71.37 | 61.70 | 55.77 | |
| Operating Profit | 0.07 | 0.78 | 0.22 | 0.15 | -0.58 | -1.08 | 8.63 | 19.59 | 16.77 | 9.94 | 14.59 | 13.33 | 14.86 |
| OPM % | 2.34% | 24.15% | 9.61% | 7.81% | -8.62% | -20.26% | 15.03% | 10.50% | 1.18% | 3.99% | 16.97% | 17.77% | 21.04% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.24 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.08 | 3.12 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.01 | 10.58 | 19.40 | 15.81 | 9.86 | 11.18 | 16.90 | 18.06 |
| Depreciation | 0.01 | 0.02 | 0.13 | 0.05 | 0.04 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 |
| Profit before tax | 0.06 | 0.76 | 0.09 | 0.10 | -0.68 | -0.87 | -1.96 | 0.17 | 0.94 | 0.06 | 3.39 | -0.51 | -0.11 |
| Tax % | 33.33% | 31.58% | 33.33% | 20.00% | 0.00% | 1.15% | -28.57% | -158.82% | 36.17% | -150.00% | 35.40% | 15.69% | |
| 0.04 | 0.52 | 0.05 | 0.08 | -0.67 | -0.88 | -1.40 | 0.44 | 0.60 | 0.14 | 2.19 | -0.58 | -0.30 | |
| EPS in Rs | 0.03 | 0.40 | 0.04 | 0.06 | -0.52 | -0.68 | -1.08 | 0.34 | 0.46 | 0.11 | 1.68 | -0.45 | -0.22 |
| Dividend Payout % | 0.00% | 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: | 37% |
| 5 Years: | 6% |
| 3 Years: | -62% |
| TTM: | -11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | % |
| TTM: | -115% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -32% |
| 5 Years: | 30% |
| 3 Years: | -5% |
| 1 Year: | 2% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 2% |
| 3 Years: | 2% |
| Last Year: | -2% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 | 13.00 |
| Reserves | 17.27 | 17.78 | 17.82 | 17.92 | 17.27 | 16.39 | 14.99 | 15.42 | 16.02 | 16.13 | 18.46 | 18.21 |
| 0.00 | 0.00 | 0.00 | 0.00 | 10.56 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| 1.28 | 0.38 | 0.15 | 1.80 | 1.44 | 6.21 | 149.33 | 183.50 | 108.64 | 94.36 | 160.39 | 167.55 | |
| Total Liabilities | 31.55 | 31.16 | 30.97 | 32.72 | 42.27 | 35.60 | 177.32 | 211.92 | 137.66 | 123.49 | 191.85 | 198.76 |
| 0.00 | 0.06 | 0.10 | 0.07 | 0.06 | 0.04 | 0.03 | 0.07 | 0.07 | 0.05 | 0.03 | 0.04 | |
| 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 | 0.00 | 6.30 | 2.82 | 0.12 | 0.10 | 0.10 | 0.10 | 2.17 | 2.50 | 2.75 | 5.57 | 11.62 |
| 31.55 | 24.80 | 28.05 | 32.53 | 42.11 | 35.46 | 177.19 | 209.68 | 135.09 | 120.69 | 186.25 | 187.10 | |
| Total Assets | 31.55 | 31.16 | 30.97 | 32.72 | 42.27 | 35.60 | 177.32 | 211.92 | 137.66 | 123.49 | 191.85 | 198.76 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -24.20 | 5.63 | -3.09 | -3.04 | 1.80 | -1.58 | 7.76 | 2.42 | -9.69 | 7.10 | -5.52 | -1.31 | |
| 0.00 | -6.36 | 3.40 | 2.68 | 0.02 | 0.00 | 0.00 | -0.06 | -0.02 | -0.01 | 0.00 | -0.03 | |
| 25.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Cash Flow | 0.80 | -0.73 | 0.31 | -0.36 | 1.82 | -1.58 | 7.76 | 2.37 | -9.71 | 7.10 | -5.52 | -1.35 |
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 | 0.00 | 0.00 | 0.00 | 11.41 | 105.76 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | 28.68 | 32.74 | 6.56 | 1,847.81 | 83.03 | 126.28 | 25.80 | 81.72 | 10.93 | 67.99 | 166.45 | 121.62 |
| Days Payable | 155.12 | 0.00 | 0.00 | 524.69 | 67.88 | 4.32 | 1.72 | 0.00 | 0.00 | 0.00 | 0.00 | 5.84 |
| Cash Conversion Cycle | -126.45 | 32.74 | 6.56 | 1,334.53 | 120.90 | 121.95 | 24.08 | 81.72 | 10.93 | 67.99 | 166.45 | 115.79 |
| Working Capital Days | 3,588.96 | 2,747.11 | 4,395.94 | 5,843.80 | 113.89 | -323.23 | -920.13 | -274.15 | -15.37 | -71.96 | -535.14 | 138.79 |
| ROCE % | 0.34% | 2.49% | 0.29% | 0.32% | -1.73% | -2.45% | 30.05% | 69.38% | 58.32% | 34.12% | 48.09% | 52.31% |
Documents
Announcements
-
Intimation Of Record Date / Book Closure Date For 38Th AGM Of The Company
9h - Book closure 20–26 Sep 2025; 38th AGM on 26 Sep; e-voting cut-off 19 Sep.
-
Fixed Record Date Of 38Th Annual General Meeting
9h - Book closure 20–26 Sep 2025; 38th AGM on 26 Sep; e-voting cut-off 19 Sep 2025.
- Notice Of 38Th Annual General Meeting To Be Held On Friday 26Th September, 2025 10h
-
Board Meeting Outcome for Outcome Of 03Rd /2025-26 Board Meeting Held On 28.08.2025
10h - Approved 38th AGM on 26 Sep 2025; book closure 20–26 Sep; e-voting 23–25 Sep; director reappointment proposed.
-
Board Meeting Intimation for Board Meeting To Be Held On 28Th August, 2025
20 Aug - Board meeting on 28-Aug-2025 to approve Directors' Report, fix 38th AGM date, book closure, e-voting arrangements.
Annual reports
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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 2012
from bse
Business Overview:[1][2]
Company is a non deposit accepting NBFC engaged in financial services. Company invests, buys, sells, transfers, deals in any shares, debentures (whether perpetual or redeemable debentures), derivatives, securities, properties of any other company including securities of any Government, Local authority, bonds and certificates. Company's focus is on lending money to borrower or raise money with or without security and /or by the issue or sale of any bonds, mortgages, debentures, etc.