Gilada Finance & Investments Ltd

Gilada Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Gilada Finance & Investments Ltd

₹ 13.8 1.99%
17 Jul - close price
giladafinance.com BSE: 538788
About

Incorporated in 1994, Gilada Finance & Investments Ltd is in the business of lending.[1]

Key Points

Business Overview:[1][2]
GFIL is registered as a non-systematically important non-deposit-taking non-banking financial company engaged in the business
of lending and primarily deals in vehicle
financing, small business loans, and mortgage loans. The company is based out of Karnataka, where it operates 4 branches in Kalaburgi, Bidar, Bangalore, and Sindagi

Website BSE
  • Market Cap ₹ 19.4 Cr.
  • Current Price ₹ 13.8
  • High / Low ₹ 23.8 / 10.7
  • Stock P/E 8.96
  • Book Value ₹ 18.6
  • Dividend Yield 0.00 %
  • ROCE 12.5 %
  • ROE 8.65 %
  • Face Value ₹ 5.00
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Pros

  • Stock is trading at 0.74 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 8.70% over last 3 years.
  • Working capital days have increased from 356 days to 1,104 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

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

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.85 1.31 1.54 1.82 1.48 1.67 1.60 1.71 1.79 1.67 1.73 1.91 1.88
Interest 0.16 0.21 0.28 0.45 0.35 0.38 0.35 0.44 0.22 0.33 0.35 0.32 0.49
1.47 0.58 0.49 0.58 1.23 0.66 0.64 0.65 0.81 0.64 0.74 0.82 0.75
Financing Profit -0.78 0.52 0.77 0.79 -0.10 0.63 0.61 0.62 0.76 0.70 0.64 0.77 0.64
Financing Margin % -91.76% 39.69% 50.00% 43.41% -6.76% 37.72% 38.12% 36.26% 42.46% 41.92% 36.99% 40.31% 34.04%
1.48 0.07 0.04 0.01 0.25 0.10 0.14 0.05 0.04 0.04 0.14 0.05 0.02
Depreciation 0.00 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.04 0.01 0.01 0.01 0.02
Profit before tax 0.70 0.58 0.80 0.79 0.14 0.72 0.74 0.66 0.76 0.73 0.77 0.81 0.64
Tax % 27.14% 25.86% 25.00% 25.32% 57.14% 25.00% 25.68% 25.76% 30.26% 24.66% 24.68% 24.69% 28.12%
0.50 0.44 0.60 0.60 0.07 0.55 0.55 0.50 0.53 0.54 0.57 0.60 0.46
EPS in Rs 0.36 0.31 0.43 0.43 0.05 0.39 0.39 0.36 0.38 0.38 0.41 0.43 0.33
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.97 2.06 2.53 2.60 3.29 3.46 3.36 3.75 5.57 6.25 6.77 7.26
Interest 0.04 0.03 0.06 0.02 0.03 0.08 0.07 0.07 0.70 1.34 1.39 1.48
0.42 0.74 0.32 1.18 2.47 1.82 1.85 2.04 3.03 2.81 2.74 2.97
Financing Profit 1.51 1.29 2.15 1.40 0.79 1.56 1.44 1.64 1.84 2.10 2.64 2.81
Financing Margin % 76.65% 62.62% 84.98% 53.85% 24.01% 45.09% 42.86% 43.73% 33.03% 33.60% 39.00% 38.71%
0.00 -0.05 -0.40 -0.27 0.01 -0.32 0.01 0.01 0.24 0.26 0.31 0.18
Depreciation 0.01 0.01 0.41 0.05 0.10 0.04 0.03 0.04 0.03 0.03 0.05 0.06
Profit before tax 1.50 1.23 1.34 1.08 0.70 1.20 1.42 1.61 2.05 2.33 2.90 2.93
Tax % 32.67% 33.33% 32.09% 29.63% 11.43% 22.50% 30.99% 18.01% 25.85% 27.04% 26.55% 25.94%
1.00 0.82 0.91 0.76 0.63 0.93 0.98 1.33 1.52 1.70 2.13 2.17
EPS in Rs 0.71 0.59 0.65 0.54 0.45 0.66 0.70 0.95 1.08 1.21 1.52 1.54
Dividend Payout % 0.00% 0.00% 0.00% 11.55% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 13%
5 Years: 17%
3 Years: 9%
TTM: 7%
Compounded Profit Growth
10 Years: 10%
5 Years: 17%
3 Years: 13%
TTM: 1%
Stock Price CAGR
10 Years: 18%
5 Years: 7%
3 Years: 10%
1 Year: 13%
Return on Equity
10 Years: 7%
5 Years: 8%
3 Years: 9%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 3.51 3.51 3.51 3.51 3.51 3.51 3.51 3.51 7.02 7.02 7.02 7.02
Reserves 9.51 10.10 11.04 12.93 13.31 14.24 15.22 16.50 13.27 14.97 16.97 19.15
Borrowing 0.41 0.32 0.31 0.30 0.78 0.71 0.65 0.70 6.57 11.99 9.97 10.54
0.27 0.28 0.33 0.27 0.34 0.41 0.42 0.14 0.21 1.03 0.69 0.61
Total Liabilities 13.70 14.21 15.19 17.01 17.94 18.87 19.80 20.85 27.07 35.01 34.65 37.32
0.04 0.06 0.14 0.17 0.09 0.07 4.03 4.03 4.02 4.02 4.12 4.14
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 0.06 0.06 0.06 0.19 0.19 0.14 0.01 0.01 0.06 0.06 0.06 0.06
13.60 14.09 14.99 16.65 17.66 18.66 15.76 16.81 22.99 30.93 30.47 33.12
Total Assets 13.70 14.21 15.19 17.01 17.94 18.87 19.80 20.85 27.07 35.01 34.65 37.32

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.18 0.15 1.89 -3.18 0.09 0.07 0.81 -2.86 -6.75 2.99 0.62
-0.03 -0.10 -0.21 -0.02 -0.02 -0.01 -0.04 -0.07 -0.02 -0.15 -0.08
-0.18 0.00 1.15 0.45 -0.15 -0.13 -0.01 5.23 4.32 -3.16 -0.69
Net Cash Flow -0.03 0.05 2.83 -2.75 -0.08 -0.08 0.76 2.31 -2.45 -0.32 -0.15
Free Cash Flow 0.15 0.05 1.81 -3.20 0.07 0.06 0.77 -2.88 -6.77 2.84 0.54
CFO/OP 45% 24% 159% -345% 13% 26% 68% -97% -189% 88% 33%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 8.14% 6.38% 8.38% 6.13% 3.79% 6.83% 5.37% 6.87% 7.54% 8.09% 9.31% 8.65%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
AUM (Loan Portfolio)
Rs. Crore

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Number of Branches
count
Vehicle Loans as % of Loan Portfolio
%
Capital Adequacy Ratio (CRAR)
%
Gross NPA
%
Net NPA
%
Disbursements
Rs. Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
58.77% 58.77% 58.77% 58.77% 58.77% 58.77% 58.77% 58.77% 58.77% 58.77% 58.26% 58.26%
41.23% 41.22% 41.24% 41.23% 41.22% 41.23% 41.23% 41.23% 41.22% 41.23% 41.74% 41.75%
No. of Shareholders 5,5535,6615,5205,5765,5835,8026,0636,0435,9165,8875,7945,670

Documents

Announcements

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Credit ratings