Goyal Associates Ltd - Stock Valuation and Financial Performance

BSE: 530663 | NSE: | Finance - NBFC | Small Cap

Goyal Associates Share Price

1.52 -0.02 -1.30%
as on 11-Feb'25 16:59

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Goyal Associates stock performance -
1.52 -1.00-45.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
10.42
Market Cap:
7.1 Cr.
52-wk low:
1.3
52-wk high:
2.4

Is Goyal Associates Ltd an attractive stock to invest in?

1. Is Goyal Associates Ltd a good quality company?

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

2. Is Goyal Associates Ltd undervalued or overvalued?

The key valuation ratios of Goyal Associates Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is Goyal Associates Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Goyal Associates 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 Goyal Associates:

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.
Goyal Associates 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.)
0.50.20.10.67.13.91.21.53.43.83
YoY Gr. Rt. %
--60%-22.2%335.7%1068.9%-44.7%-70.3%29.9%124.3%10%-
Adj EPS (₹ )
0-0-0-0-0.100-0.10.10.10.2
YoY Gr. Rt. %
-NANANANANA-75%-1100%NA0%-
BVPS (₹ )
-0.30.60.60.60.50.50.50.40.60.70.8
YoY Gr. Rt. %
-NA-1.6%-1.6%-21%6.1%1.9%-18.9%30.2%23.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
-0.4-1.9-0.9-2.1-15.44.20.7-7.411.311.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income26.6%-12.1%47.4%10%
Adj EPSNANA135.1%0%
BVPSNA7.1%9.2%23.2%
Share Price 18% 10.6% -20.5% -30.3%

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 (%)
-3.3-38.3-23.1-10.3-8.84.22.9-29.517.316.822.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
0-8.2-1.1-2.1-24.271.4-19.925.321.519.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 20.70%

Total Income has increased 47.44 CAGR in last 3 years

Net Profit has increased 135.13 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Goyal Associates Ltd.

Standalone Consolidated
TTM EPS (₹) 0.2 -
TTM Sales (₹ Cr.) 3.1 -
BVPS (₹.) 0.8 -
Reserves (₹ Cr.) -1 -
P/BV 2.01 -
PE 10.42 -
From the Market
52 Week Low / High (₹) 1.34 / 2.43
All Time Low / High (₹) 0.05 / 8.65
Market Cap (₹ Cr.) 7.1
Equity (₹ Cr.) 4.7
Face Value (₹) 1
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income0.9 933.30.9 -270.8 -17.40.4 -52.2
Adj EPS (₹)0.03 N/A0.05 N/A0.04 33.30.02 -50
Net Profit Mgn %16.25 -847 bps25.54 2942 bps22.92 858 bps26.03 408 bps

Management X-Ray of Goyal Associates:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:5.33%Institutions:0.02%Non-Institutions:94.66%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%1%2%3%4%5%6%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Goyal Associates

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Goyal Associates

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

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ROE (%)

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BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.460.180.140.617.133.941.171.523.553.77
Interest Income0.450.180.140.617.133.941.171.523.413.75
Other Income 0.0100000000.140.02
Expenditure 0.480.240.170.677.763.741.121.962.842.93
Interest Expense 0000000.060.110.100.09
Operating Expenses 0.480.240.170.677.183.421.041.592.052.79
Provisions 00000.580.320.010.250.680.05
Exceptional Items 0000000000
Profit Before Tax -0.02-0.07-0.03-0.06-0.630.200.05-0.450.710.84
Taxes -0.0100000.030.0200.120.21
Profit After Tax -0.01-0.07-0.03-0.06-0.630.160.03-0.450.590.63
Adjusted EPS (₹)0.00.00.00.0-0.10.00.0-0.10.10.1
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 Capital-1.3732.972.912.282.442.482.032.623.25
Share Capital 5.084.694.694.694.694.694.694.694.694.69
Reserves -6.45-1.69-1.72-1.79-2.41-2.25-2.22-2.66-2.08-1.44
Minority Interest0000000000
Long Term Borrowings000000.014.093.241.951.98
Current Liabilities 4.641.010.0102.950.200.120.120.430.81
Trade Payables01002.940.170.010.030.120.11
Short term borrowings4.63000000000
Other Liabilities-4.63-100-2.94-0.17-0.01-0.03-0.12-0.11
Total Liabilities 3.274.012.982.915.232.666.695.3956.05

Assets

Non Current Asset 000.400.73000.360.310.560.38
Loan Asset 0000000000
Other Non Current Asset 000.400.73000.360.310.560.38
Current Asset 3.274.012.582.195.232.666.325.084.445.66
Current Investment0000000000
Other Current Asset3.274.012.582.195.232.666.325.084.445.66
Total Assets 3.274.012.982.915.232.666.695.3956.05

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 1.732.06-1.41-0.65-0.24-0.52-2.241.170.86-0.05
Cash Flow From Investing Activity 00-0.400.640.730-0.42-0.07-0.410
Cash Flow From Financing Activity -1.74-0.1900003.23-1.35-0.740
Net Cash Flow -0.011.88-1.8100.49-0.520.58-0.26-0.29-0.05
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)-0111011011

Performance Ratios

ROA (%)-0.4-1.9-0.9-2.1-15.44.20.7-7.411.311.4
ROE (%)0.0-8.2-1.1-2.1-24.27.01.4-19.925.321.5
ROCE (%)-0.5-2.1-1.1-2.1-24.28.32.8-6.920.722.6

Valuation Parameters

Price/Book(x)-1.00.07.80.05.71.06.63.85.02.5

Goyal Associates Ltd Stock News

Goyal Associates Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Goyal Associates on 11-Feb-2025 16:59 is ₹1.52.
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 11-Feb-2025 16:59 the market cap of Goyal Associates stood at ₹7.13.
The latest P/E ratio of Goyal Associates as of 11-Feb-2025 16:59 is 10.42.
The latest P/B ratio of Goyal Associates as of 11-Feb-2025 16:59 is 2.01.
The 52-week high of Goyal Associates is ₹2.43 and the 52-week low is ₹1.34.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Goyal Associates is ₹3.09 ( Cr.) .

About Goyal Associates Ltd

Goyal Associates Limited is a public limited company incorporated under the provisions of the Companies Act, 1956. The shares of the Company are listed on Bombay Stock Exchange. The Company holds a certificate of registration from the Reserve Bank of India (RBI) to carry on the business of Non-Banking Financial Institution (NBFI) under the category of Non-Deposit taking Company. The registered office of the Company is situated at A/208, Titanum City Centre, Near Sachin Tower,100ft Ring Road Satellite, Ahmedbad (Gujarat).

Business area of the company

The Company is engaged in the business of fund-based activities like providing Micro Enterprise loans, SME Loans, Vehicle Loans, Agro based Loans and loans to Micro Financial Institutions (MFI) and NBFCs & share trading and other financial relating activities of NBFCs etc.

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