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INVESTMENT INSIGHTS

Check Before You Invest : Gilada Finance & Investments Ltd

BSE: 538788 NSE: ISIN: INE918C01029
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Gilada Finance & Investments Ltd belong to?
Gilada Finance & Investments Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Gilada Finance & Investments Ltd a good quality company?
Gilada Finance & Investments Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Gilada Finance & Investments Ltd undervalued or overvalued?
Gilada Finance & Investments Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 8.01 10.14
Price to Book 0.83 0.92
Price to Sales 4.89 -
EV to EBITDA 6.34 6.96
Q.4 Is Gilada Finance & Investments Ltd a good buy now?
Gilada Finance & Investments Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Operating Income growth is 8.27% for FY-2025, which is below its 5-year CAGR of 14.39%, indicating slower growth.

Q.2 Return on Assets of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Return on Asset is 6.1%, which is in line with its 5-year historical median of 6.1%, indicating stable earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 31.46 31.46
PPOP (%) 15.46 19.53
RoA (%) 6.1 6.1

Q.3 Return on Equity (ROE) of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Return on Equity is 11.1% for FY-2025, which is above its 5-year historical median of 9.3%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 15.46% for FY-2025, which is below its 5-year median(19.53%), indicating decreasing margins.

Q.5 Net Profit Margin of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 31.46% for FY-2025, which is in line with its 5-year median( 31.46%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?
Gilada Finance & Investments Ltd return on invested capital (ROIC) is 9.14% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Total Asset growth is -1% for FY-2025, which is below its 5-year CAGR of 13.02%, indicating slower growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of Gilada Finance & Investments Ltd?
Gilada Finance & Investments Ltd Capital Adequacy ratio (CAR) is 59.1% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of Gilada Finance & Investments Ltd?

Q.1 Promoter shareholding and pledge status of Gilada Finance & Investments Ltd?
Promoters hold 58.26% of the Gilada Finance & Investments Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Gilada Finance & Investments Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Gilada Finance & Investments Ltd vs Industry Peers?
Gilada Finance & Investments Ltd AUM CAGR is 13.02%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Gilada Finance & Investments Ltd vs industry peers
Gilada Finance & Investments Ltd profit metrics are above the industry median level of 4.76%, indicating stronger profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 31.46 12.87
PPOP (%) 15.46 -
RoA (%) 6.1 1.4

Q.3 Operating efficiency of Gilada Finance & Investments Ltd vs industry peers?
Gilada Finance & Investments Ltd ROCE (13.8) is above the industry median of (4.15); while the current ROE (9.3) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 31.46 12.87
PPOP (%) 15.46 -
RoA (%) 6.1 1.4
ROCE (%) 14.2 4.15
ROE (%) 11.1 2.3

Valuation & price assessment

Q.1 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 8.01 10.14 29.12
Price to Book 0.83 0.92 1.11
Price to Sales 4.89 - 9.10
EV to EBITDA 6.34 6.96 11.77
Q.2 Valuation ratios of Gilada Finance & Investments Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0.83 is lower than its historical median of 0.92, indicating that the stock is trading below its historical average valuation.
Q.3 Stock return of Gilada Finance & Investments Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 19% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 19% 5.4% 2.3% 4.7%

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