Galada Finance Ltd - Stock Valuation and Financial Performance

BSE: 538881 | NSE: | Finance - NBFC | Small Cap

Galada Finance Share Price

22.11 -1.03 -4.45%
as on 26-Dec'24 16:01

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Galada Finance stock performance -

mw4me loader
P/E Ratio (SA):
22.76
Market Cap:
6.9 Cr.
52-wk low:
11.3
52-wk high:
23.2

Is Galada Finance Ltd an attractive stock to invest in?

1. Is Galada Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Galada Finance Ltd is a below average quality company.

2. Is Galada Finance Ltd undervalued or overvalued?

The key valuation ratios of Galada Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Galada Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Galada Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Galada Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Galada Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)1.41.41.51.31.20.90.91.10.91.32
YoY Gr. Rt. %-0%5.7%-15.5%-0.8%-24.2%-4.3%16.7%-14.3%48.9%-
Adj EPS (₹ ) 1.30.80.80.5-0.7-2.3-0.2-0.90.11.11
YoY Gr. Rt. %--39.4%2.6%-43%-246.7%NANANANA1312.5%-
BVPS (₹ )18.719.520.320.717.816.316.91717.218.418.7
YoY Gr. Rt. %-4.1%4.1%2.2%-13.9%-8.4%3.6%0.5%0.8%7.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)42.32.21.2-2.1-9.1-0.9-3.30.34.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-0.5%1.6%14.2%48.9%
Adj EPS-1.3%NANA1312.5%
BVPS-0.2%0.7%2.9%7.5%
Share Price - 16.2% 10.1% 92.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)27.116.51610.7-16-73.1-8.1-25.92.725.219.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)7442.2-3.4-13.5-1.5-5.30.56.45.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 5.50%

Total Income has increased 14.19 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - Galada Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 1 -
TTM Sales (₹ Cr.) 1.6 -
BVPS (₹.) 18.7 -
Reserves (₹ Cr.) 3 -
P/BV 1.24 -
PE 22.76 -
From the Market
52 Week Low / High (₹) 11.25 / 23.15
All Time Low / High (₹) 8.10 / 35.90
Market Cap (₹ Cr.) 6.9
Equity (₹ Cr.) 3
Face Value (₹) 10
Industry PE 28.2

Management X-Ray of Galada Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Galada Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income1.821.541.761.661.270.980.911.070.941.58
Interest Income1.401.401.481.251.240.940.901.050.901.34
Other Income 0.410.150.290.410.040.040.010.020.040.24
Expenditure 1.371.231.451.491.441.660.951.290.881.18
Interest Expense 0.450.400.460.480.440.410.370.470.300.41
Operating Expenses 0.820.690.760.780.660.470.410.430.470.74
Provisions 0.100.130.240.230.340.780.160.390.110.03
Exceptional Items 0000000000
Profit Before Tax 0.450.320.310.17-0.17-0.67-0.04-0.230.060.40
Taxes 0.070.090.070.040.030.020.040.050.040.06
Profit After Tax 0.380.230.240.13-0.20-0.69-0.07-0.270.020.34
Adjusted EPS (₹)1.30.80.80.5-0.7-2.3-0.2-0.90.11.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital5.615.846.086.215.354.905.085.115.155.53
Share Capital 3333333333
Reserves 2.612.843.083.212.351.902.082.112.152.53
Minority Interest0000000000
Long Term Borrowings0.580.660.350.410.160.150.360.400.090.75
Current Liabilities 2.953.955.144.242.302.303.182.271.553.63
Trade Payables0.030.050.070.030.030.030.250.050.070.07
Short term borrowings1.722.402.802.312.232.202.922.211.483.55
Other Liabilities-1.75-2.45-2.87-2.34-2.26-2.23-3.17-2.26-1.54-3.63
Total Liabilities 9.1410.4511.5610.867.817.358.627.786.789.91

Assets

Non Current Asset 1.9222.392.761.660.510.880.480.500.92
Loan Asset 0000000000
Other Non Current Asset 1.9222.392.761.660.510.880.480.500.92
Current Asset 7.228.459.178.116.156.847.747.296.288.99
Current Investment0000000000
Other Current Asset7.228.459.178.116.156.847.747.296.288.99
Total Assets 9.1410.4511.5610.867.817.358.627.786.789.91

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.31-0.670.070.560.26-0.65-0.640.261.21-2.18
Cash Flow From Investing Activity 0.63-0.07-0.30-0.16-0.100.68-0.210.45-0.07-0.45
Cash Flow From Financing Activity -0.950.760.19-0.37-0.08-0.090.87-0.74-1.062.71
Net Cash Flow -0.010.02-0.030.030.07-0.060.03-0.030.090.09
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)1110-1-20-101
DPS (₹)0000000000
BVPS (₹)19192021181617171718

Performance Ratios

ROA (%)4.02.32.21.2-2.1-9.1-0.9-3.30.34.1
ROE (%)7.04.04.02.2-3.4-13.5-1.5-5.30.56.4
ROCE (%)11.28.68.57.23.2-3.54.13.04.99.8

Valuation Parameters

Price/Book(x)0.60.80.70.90.60.00.61.00.50.8

Galada Finance Ltd Stock News

Galada Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Galada Finance on 26-Dec-2024 16:01 is ₹22.11.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 26-Dec-2024 16:01 the market cap of Galada Finance stood at ₹6.94.
The latest P/E ratio of Galada Finance as of 26-Dec-2024 16:01 is 22.76.
The latest P/B ratio of Galada Finance as of 26-Dec-2024 16:01 is 1.24.
The 52-week high of Galada Finance is ₹23.15 and the 52-week low is ₹11.25.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Galada Finance is ₹1.59 ( Cr.) .

About Galada Finance Ltd

Galada Finance Limited (GFL) is a fast growing Non-Banking Financial Company based in Chennai having been incorporated as a Private Limited Company in the year 1986 under Companies Act, 1956 and converted to a Public Limited Company in the year 1994. 

Business area of the company

The compmany is predominantly engaged in the business of Hire Purchase and Leasing. It is one of the leading finance & Insurance solutions provider, providing finance for Car & other automobiles, business & construction equipment, property mortgage, insurance solutions and more.  

Product and services
  • New Vehicle loan
  • Used Vehicle loan
  • construction Equipment Loans
  • Other Asset Financing
  • Insurance solutions
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