Geetanjali Credit and Capital Ltd

AI

Geetanjali Credit and Capital Ltd

₹ 8.11 4.92%
10 Aug - close price
About

Incorporated in 1990, Geetanjali Credit and Capital Ltd is in the business of finance and other related service [1]

Key Points

Business Overview:[1]
GCCL is engaged in the business of finance and other related services. It is registered as a non-systematically important, non-deposit-taking, non-banking financial company.

  • Market Cap 3.58 Cr.
  • Current Price 8.11
  • High / Low 8.11 / 3.13
  • Stock P/E 21.1
  • Book Value 7.04
  • Dividend Yield 0.00 %
  • ROCE 0.63 %
  • ROE 0.65 %
  • Face Value 10.0
Unsung hero
Bhikubhai Gomansinh Solanki
He helped liberate Dadra and Nagar Haveli. He coordinated with freedom fighters and captured Naroli during floods. People of Naroli called him Kazi because he resolved their problems.
Unsung hero
Usha Mehta
At 22, she helped run the underground Congress Radio during the Quit India Movement, broadcasting uncensored news despite the risk of arrest.

Pros

  • Company is almost debt free.
  • Stock is trading at 1.15 times its book value

Cons

  • Company has a low return on equity of -0.11% over last 3 years.
  • Contingent liabilities of Rs.5.30 Cr.
  • Company has high debtors of 446 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

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.09 0.20
Interest 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
0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.01 0.02 0.02 0.03 0.05
Financing Profit -0.02 0.00 0.00 0.01 0.00 0.00 0.00 -0.02 -0.01 -0.02 -0.02 0.06 0.15
Financing Margin % 100.00% 66.67% 75.00%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 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
Profit before tax -0.02 0.00 0.00 0.01 0.00 0.00 0.00 -0.02 -0.01 -0.02 -0.02 0.06 0.15
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-0.02 0.00 0.00 0.01 0.00 0.00 0.00 -0.02 -0.01 -0.02 -0.02 0.06 0.15
EPS in Rs -0.05 0.00 0.00 0.02 0.00 0.00 0.00 -0.05 -0.02 -0.05 -0.05 0.14 0.34
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 TTM
0.64 0.66 0.27 0.06 0.06 0.12 0.14 0.06 0.00 0.01 0.00 0.09 0.29
Interest 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
0.61 0.57 0.19 0.03 0.06 0.12 0.06 0.05 0.01 0.01 0.03 0.07 0.12
Financing Profit 0.03 0.09 0.08 0.03 0.00 0.00 0.08 0.01 -0.01 0.00 -0.03 0.02 0.17
Financing Margin % 4.69% 13.64% 29.63% 50.00% 0.00% 0.00% 57.14% 16.67% 0.00% 22.22% 58.62%
0.00 0.00 0.00 0.00 0.00 0.00 -0.08 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 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
Profit before tax 0.03 0.09 0.08 0.03 0.00 0.00 0.00 0.01 -0.01 0.00 -0.03 0.02 0.17
Tax % 0.00% 33.33% 37.50% 33.33% 0.00% 0.00% 0.00% 0.00%
0.02 0.06 0.06 0.02 0.00 0.00 0.00 0.01 -0.01 0.00 -0.03 0.02 0.17
EPS in Rs 0.14 0.14 0.05 0.00 0.00 0.00 0.02 -0.02 0.00 -0.07 0.05 0.38
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -18%
5 Years: -8%
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: -10%
5 Years: -20%
3 Years: 59%
TTM: 667%
Stock Price CAGR
10 Years: -7%
5 Years: 46%
3 Years: 67%
1 Year: 135%
Return on Equity
10 Years: 0%
5 Years: 0%
3 Years: 0%
Last Year: 1%

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 4.42 4.42 4.42 4.42 4.42 4.42 4.42 4.42 4.42 4.42 4.42 4.42
Reserves -1.41 -1.35 -1.30 -1.27 -1.27 -1.27 -1.28 -1.28 -1.29 -1.29 -1.33 -1.31
Borrowing 0.19 0.58 2.04 0.33 0.00 0.55 0.02 0.00 0.00 0.00 0.05 0.09
0.04 0.11 0.17 0.01 0.02 0.03 0.04 0.11 0.13 0.14 0.14 0.17
Total Liabilities 3.24 3.76 5.33 3.49 3.17 3.73 3.20 3.25 3.26 3.27 3.28 3.37
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
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 0.41 0.41 0.40 0.00 0.00 1.20 0.65 0.65 0.65 0.65 0.65 0.65
2.83 3.35 4.93 3.49 3.17 2.53 2.55 2.60 2.61 2.62 2.63 2.72
Total Assets 3.24 3.76 5.33 3.49 3.17 3.73 3.20 3.25 3.26 3.27 3.28 3.37

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
0.57 0.10 -1.27 0.37 -0.20 1.65 -0.33 0.37 0.00 0.01 -0.03 -0.06
0.00 0.00 0.01 0.40 0.00 -1.20 0.55 0.00 0.00 -0.01 0.00 0.00
0.76 -1.41 1.36 -0.90 0.28 -0.51 -0.25 -0.37 0.00 0.00 0.05 0.05
Net Cash Flow 1.33 -1.31 0.10 -0.13 0.08 -0.06 -0.03 0.00 0.00 0.00 0.01 -0.01
Free Cash Flow 0.57 0.10 -1.27 0.37 -0.20 1.65 -0.33 0.37 0.00 0.01 -0.03 -0.06
CFO/OP 1,900% 144% -1,550% 1,267% -412% 3,700% 0% 100% -300%

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 % 0.85% 1.97% 1.94% 0.64% 0.00% 0.00% 1.91% 0.32% -0.32% 0.00% -0.96% 0.65%

Insights

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Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
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Non-Current Investments
Rs. in thousands
Non-Current Loans
Rs. in thousands
Total Loan Portfolio
Rs. in thousands

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
100.00% 100.00% 100.00% 100.01% 99.99% 100.00% 100.00% 99.99% 99.99% 100.00% 100.00% 100.00%
No. of Shareholders 2,6682,6602,6652,6262,6532,6332,7642,8022,8132,7832,7372,698

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