Goenka Business & Finance Ltd
₹ 10.8
-1.10%
22 May
9:41 a.m.
About
Incorporated in 1987, Goenka Business & Finance Ltd is in the business of lending and other financial services
Key Points
- Market Cap ₹ 14.0 Cr.
- Current Price ₹ 10.8
- High / Low ₹ 21.9 / 5.90
- 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 0.45 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.
Peer comparison
Sector: Finance Industry: Finance & Investments
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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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | |
| 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 | |
| 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 |
| 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% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.24 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.08 | |
| 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 |
| 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 |
| 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 |
| 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 | |
| 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 |
| 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: | -13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 10% |
| 3 Years: | % |
| TTM: | -126% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -31% |
| 5 Years: | 47% |
| 3 Years: | 6% |
| 1 Year: | 73% |
| 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
- Submission Of Audited Result For Fourth Quarter And Year Ended 31St March, 2025 Along With Audit Report Pursuant To Regulation 33(3) (D) Of SEBI (LODR) Regulation, 2015 15h
-
Board Meeting Outcome for Disclosure Under Regulation 30 And Other Applicable Regulations Of The SEBI (LODR) Regulations, 2015 (Listing Regulations) - Outcome Of The Board Meeting
15h - Audited FY25 financial results approved; internal auditor re-appointed; unmodified audit opinion issued.
-
Board Meeting Intimation for 01St /2025-26 Board Meeting To Be Held On 21St May, 2025 For Consideration Of
Audited Financial Results For The Quarter And Financial Year Ended 31St March, 2025
12 May - Board meeting on 21 May 2025 to approve FY25 audited financial results; trading window closure ends post results.
-
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
21 Apr - Goenka Business & Finance Ltd not classified as Large Corporate; SEBI disclosure requirements not applicable for FY 2025-26.
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 8 Apr
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.