Galada Finance Ltd

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

Galada Finance Ltd

₹ 21.4 -1.75%
12 Mar - close price
galadafinance.in BSE: 538881
About

Incorporated in 1986, Galada Finance Ltd provides financial and lending services[1]

Key Points

Business Overview:[1][2]
GFL is a Chennai based company which is engaged in the business of lending across retail, SME and also commercial customers, with
a significant presence in the urban and rural India. The co. is registered as a non systematically important non deposit taking
non-banking financial company

Website BSE
  • Market Cap ₹ 6.41 Cr.
  • Current Price ₹ 21.4
  • High / Low ₹ 36.7 / 17.3
  • Stock P/E 17.8
  • Book Value ₹ 19.6
  • Dividend Yield 0.00 %
  • ROCE 7.64 %
  • ROE 4.42 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.09 times its book value
  • Company's working capital requirements have reduced from 165 days to 112 days

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 3.29% over last 3 years.

* 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

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
0.22 0.29 0.21 0.28 0.37 0.48 0.37 0.37 0.38 0.54 0.53 0.62 0.70
Interest 0.07 0.06 0.07 0.09 0.12 0.13 0.14 0.13 0.14 0.15 0.24 0.23 0.28
0.06 0.13 0.12 0.15 0.13 0.06 0.15 0.15 0.14 0.17 0.21 0.27 0.27
Financing Profit 0.09 0.10 0.02 0.04 0.12 0.29 0.08 0.09 0.10 0.22 0.08 0.12 0.15
Financing Margin % 40.91% 34.48% 9.52% 14.29% 32.43% 60.42% 21.62% 24.32% 26.32% 40.74% 15.09% 19.35% 21.43%
0.00 0.03 0.01 0.09 0.02 0.00 0.01 0.01 0.00 0.00 0.01 0.01 0.02
Depreciation 0.01 0.02 0.02 0.04 0.07 0.07 0.05 0.05 0.05 0.05 0.04 0.04 0.04
Profit before tax 0.08 0.11 0.01 0.09 0.07 0.22 0.04 0.05 0.05 0.17 0.05 0.09 0.13
Tax % 25.00% 18.18% 0.00% 0.00% 42.86% 13.64% 25.00% 20.00% 20.00% 11.76% 20.00% 22.22% 23.08%
0.06 0.08 0.01 0.09 0.04 0.20 0.03 0.04 0.03 0.15 0.04 0.07 0.10
EPS in Rs 0.20 0.27 0.03 0.30 0.13 0.67 0.10 0.13 0.10 0.50 0.13 0.23 0.33
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
1.17 1.79 1.54 1.74 1.64 1.27 0.97 0.91 1.06 0.91 1.37 1.66 2.39
Interest 0.49 0.45 0.40 0.46 0.48 0.44 0.41 0.37 0.47 0.30 0.41 0.55 0.90
0.64 0.78 0.73 0.83 0.85 0.87 1.16 0.51 0.78 0.53 0.45 0.61 0.92
Financing Profit 0.04 0.56 0.41 0.45 0.31 -0.04 -0.60 0.03 -0.19 0.08 0.51 0.50 0.57
Financing Margin % 3.42% 31.28% 26.62% 25.86% 18.90% -3.15% -61.86% 3.30% -17.92% 8.79% 37.23% 30.12% 23.85%
0.42 0.02 0.00 0.02 0.02 0.00 0.02 0.00 0.01 0.03 0.08 0.01 0.04
Depreciation 0.23 0.13 0.10 0.16 0.16 0.13 0.09 0.07 0.05 0.05 0.19 0.21 0.17
Profit before tax 0.23 0.45 0.31 0.31 0.17 -0.17 -0.67 -0.04 -0.23 0.06 0.40 0.30 0.44
Tax % 43.48% 15.56% 29.03% 22.58% 23.53% 17.65% 2.99% 100.00% 21.74% 66.67% 15.00% 16.67%
0.13 0.38 0.23 0.24 0.13 -0.20 -0.69 -0.07 -0.27 0.02 0.34 0.25 0.36
EPS in Rs 0.43 1.27 0.77 0.80 0.43 -0.67 -2.30 -0.23 -0.90 0.07 1.13 0.83 1.19
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: -1%
5 Years: 11%
3 Years: 16%
TTM: 49%
Compounded Profit Growth
10 Years: -4%
5 Years: 19%
3 Years: 43%
TTM: 20%
Stock Price CAGR
10 Years: 3%
5 Years: 15%
3 Years: 33%
1 Year: 17%
Return on Equity
10 Years: 0%
5 Years: 1%
3 Years: 3%
Last Year: 4%

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 3.00 3.00
Reserves 2.23 2.61 2.84 3.08 3.21 2.35 1.90 2.08 2.11 2.15 2.53 2.78 2.89
Borrowing 2.94 2.26 2.99 3.15 2.74 2.66 2.56 3.44 2.69 1.64 4.35 6.60 9.18
1.69 1.27 1.62 2.36 1.94 0.06 0.10 0.26 0.06 0.06 0.07 0.19 0.69
Total Liabilities 9.86 9.14 10.45 11.59 10.89 8.07 7.56 8.78 7.86 6.85 9.95 12.57 15.76
0.76 0.33 0.34 0.57 0.50 0.37 0.28 0.22 0.19 0.36 0.76 0.59 0.52
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 1.52 1.55 1.62 1.78 2.22 1.25 0.19 0.62 0.26 0.10 0.11 0.08 0.06
7.58 7.26 8.49 9.24 8.17 6.45 7.09 7.94 7.41 6.39 9.08 11.90 15.18
Total Assets 9.86 9.14 10.45 11.59 10.89 8.07 7.56 8.78 7.86 6.85 9.95 12.57 15.76

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
0.80 0.31 -0.67 0.07 0.56 0.26 -0.65 -0.64 0.26 1.21 -2.18 -2.26
0.21 0.63 -0.07 -0.30 -0.16 -0.10 0.68 -0.21 0.45 -0.07 -0.45 0.00
-1.07 -0.95 0.76 0.19 -0.37 -0.08 -0.09 0.87 -0.74 -1.06 2.71 2.25
Net Cash Flow -0.06 -0.01 0.02 -0.03 0.03 0.07 -0.06 0.03 -0.03 0.09 0.09 -0.01

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 % 1.55% 6.83% 4.02% 3.86% 1.79% -3.46% -13.85% -1.40% -5.30% 0.19% 5.06% 4.42%

Insights

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Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Capital Adequacy Ratio (CRAR)
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Concentration of Advances to Top 20 Borrowers
%
Gross Loan Assets
INR Lakhs
Total Permanent Employees
Number

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93% 63.93%
36.08% 36.07% 36.07% 36.07% 36.08% 36.07% 36.08% 36.08% 36.08% 36.08% 36.07% 36.07%
No. of Shareholders 719739777808813871885945964946967971

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