Is Galada Finance Ltd (538881) 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 .

Is Galada Finance Ltd (538881) 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 .

What is Galada Finance Ltd (538881) share price return in the past 10 years?

Galada Finance Ltd share price has appreciated 6.5% annually (CAGR) over the past ten years.

Is Galada Finance Ltd (538881) 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.

What is the share price of Galada Finance Ltd (538881)?

Company share prices are keep on changing according to the market conditions. The current trading price of Galada Finance Ltd (538881) on 17-Apr-2026 16:59:59 at 16:59 is 30.62.

What is the P/E ratio of Galada Finance?

The latest standalone P/E ratio of Galada Finance as of 17-Apr-2026 is 24.96.

What is the P/B ratio of Galada Finance Ltd (538881)?

The latest standalone P/B ratio of Galada Finance Ltd (538881) as of 17-Apr-2026 is 1.53.

What is the 52-week high and low of Galada Finance Ltd (538881)?

The 52-week high of Galada Finance Ltd (538881) is Rs. 36.68 and the 52-week low is Rs. 19.50.

Galada Finance Ltd (538881) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Galada Finance Ltd (538881)
Brand: Galada Finance

Galada Finance Ltd (538881) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Key Metrics

Market Cap

₹9 Cr.

Earnings Per Share (TTM)

₹1.23

P/E Ratio

24.96

Price to Book (P/B)

1.53

EV/EBITDA

10.17

Current Price

₹30.6

Return on Capital Employed (ROCE)

7.66%

Return on Equity (ROE)

4.40%

Return on Assets (ROA)

2.22%

Gross NPA(%)

0.00

Book Value per Share

₹20

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

18.28%

Net Interest Income Growth (3 Years)

23.78%

52-Week Low / High

₹20 / 37

Book Value Growth (1 Year)

4.45%

Book Value Growth (3 Years)

4.21%

DeciZen - make an informed investing decision on Galada Finance

Based on:

Data

M-Cap below 100cr DeciZen not available

Galada Finance stock performance

Key Ratios

Is Galada Finance Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	1.4	1.5	1.3	1.2	0.9	0.9	1.1	0.9	1.3	1.7	2
YoY Gr. Rt. %	-	5.7%	-15.5%	-0.8%	-24.2%	-4.3%	16.7%	-14.3%	48.9%	23.1%	-
Adj EPS (₹ )	0.8	0.8	0.5	-0.7	-2.3	-0.2	-0.9	0.1	1.1	0.8	1.2
YoY Gr. Rt. %	-	2.6%	-43%	-246.7%	NA	NA	NA	NA	1312.5%	-26.6%	-
BVPS (₹ )	19.5	20.3	20.7	17.8	16.3	16.9	17	17.2	18.4	19.3	20
YoY Gr. Rt. %	-	4.1%	2.2%	-13.9%	-8.4%	3.6%	0.5%	0.8%	7.5%	4.5%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.3	2.2	1.2	-2.1	-9.1	-0.9	-3.3	0.3	4.1	2.2	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	1.8%	11.9%	16.3%	23.1%
Adj EPS	0.8%	NA	NA	-26.6%
BVPS	-0.1%	3.3%	4.2%	4.5%
Share Price	6.5%	23.9%	53.5%	13.4%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	16.5	16	10.7	-16	-73.1	-8.1	-25.9	2.7	25.2	15.1	15.6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	4	4	2.2	-3.4	-13.5	-1.5	-5.3	0.5	6.4	4.4	6.2

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	1.2	-
TTM Sales (₹ Cr.)	2.4	-
BVPS (₹) ⓘ	20	-
Reserves (₹ Cr.) ⓘ	3	-
P/BV ⓘ	1.53	-
PE ⓘ	24.96	-

From the Market
52 Week Low / High (₹)	19.50 / 36.68
All Time Low / High (₹)	8.10 / 36.68
Market Cap (₹ Cr.)	9.2
Equity (₹ Cr.)	3
Face Value (₹)	10
Industry PE ⓘ	29.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of Galada Finance - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	1.54	1.76	1.66	1.27	0.98	0.91	1.07	0.94	1.58	1.76
Interest Income	1.40	1.48	1.25	1.24	0.94	0.90	1.05	0.90	1.34	1.65
Other Income ⓘ	0.13	0.24	0.23	0.34	0.78	0.16	0.39	0.11	0.03	0.03
Exceptional Items ⓘ	0.15	0.29	0.41	0.04	0.04	0.01	0.02	0.04	0.24	0.10
Expenditure ⓘ +	1.23	1.45	1.49	1.44	1.66	0.95	1.29	0.88	1.18	1.46
Interest Expense ⓘ	0.40	0.46	0.48	0.44	0.41	0.37	0.47	0.30	0.41	0.55
Operating Expenses ⓘ	0.69	0.76	0.78	0.66	0.47	0.41	0.43	0.47	0.74	0.87
Provisions	0.13	0.24	0.23	0.34	0.78	0.16	0.39	0.11	0.03	0.03
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0.32	0.31	0.17	-0.17	-0.67	-0.04	-0.23	0.06	0.40	0.30
Taxes ⓘ	0.09	0.07	0.04	0.03	0.02	0.04	0.05	0.04	0.06	0.05
Profit After Tax	0.23	0.24	0.13	-0.20	-0.69	-0.07	-0.27	0.02	0.34	0.25
Adjusted EPS (₹)	0.8	0.8	0.5	-0.7	-2.3	-0.2	-0.9	0.1	1.1	0.8
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	5.84	6.08	6.21	5.35	4.90	5.08	5.11	5.15	5.53	5.78
Share Capital ⓘ	3	3	3	3	3	3	3	3	3	3
Reserves ⓘ	2.84	3.08	3.21	2.35	1.90	2.08	2.11	2.15	2.53	2.78
Short term borrowings	2.40	2.80	2.31	2.23	2.20	2.92	2.21	1.48	3.06	3.50
Long Term Borrowings	0.66	0.35	0.41	0.16	0.15	0.36	0.40	0.09	1.24	3.03
Current Liabilities	3.95	5.14	4.24	2.30	2.30	3.18	2.27	1.55	3.14	3.69
Trade Payables	0.05	0.07	0.03	0.03	0.03	0.25	0.05	0.07	0.07	0.19
Other Liabilities	-2.45	-2.87	-2.34	-2.26	-2.23	-3.17	-2.26	-1.54	-3.14	-3.69
Total Liabilities ⓘ	10.45	11.56	10.86	7.81	7.35	8.62	7.78	6.78	9.91	12.50
Assets
Non Current Asset +	2	2.39	2.76	1.66	0.51	0.88	0.48	0.50	1.05	6.86
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	2	2.39	2.76	1.66	0.51	0.88	0.48	0.50	1.05	6.86
Current Asset +	8.45	9.17	8.11	6.15	6.84	7.74	7.29	6.28	8.86	5.64
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	8.45	9.17	8.11	6.15	6.84	7.74	7.29	6.28	8.86	5.64
Total Assets ⓘ	10.45	11.56	10.86	7.81	7.35	8.62	7.78	6.78	9.91	12.50

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-0.67	0.07	0.56	0.26	-0.65	-0.64	0.26	1.21	-2.18	-2.26
Cash Flow From Investing Activity ⓘ	-0.07	-0.30	-0.16	-0.10	0.68	-0.21	0.45	-0.07	-0.45	-0
Cash Flow From Financing Activity ⓘ	0.76	0.19	-0.37	-0.08	-0.09	0.87	-0.74	-1.06	2.71	2.25
Net Cash Flow ⓘ	0.02	-0.03	0.03	0.07	-0.06	0.03	-0.03	0.09	0.09	-0.01

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	1	1	0	-1	-2	-0	-1	0	1	1
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	19	20	21	18	16	17	17	17	18	19
Performance Ratios
ROA (%)	2.3	2.2	1.2	-2.1	-9.1	-0.9	-3.3	0.3	4.1	2.2
ROE (%)	4.0	4.0	2.2	-3.4	-13.5	-1.5	-5.3	0.5	6.4	4.4
ROCE (%)	8.6	8.5	7.2	3.2	-3.5	4.1	3.0	4.9	9.8	7.7
Valuation Parameters
Price/Book(x)	0.8	0.7	0.9	0.6	0.0	0.6	1.0	0.5	0.8	1.0

Top 5 Mutual Funds Holding

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Announcements

Galada Finance Ltd FAQs

The current trading price of Galada Finance on 17-Apr-2026 16:59 is ₹30.62.

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 16-Apr-2026 the market cap of Galada Finance stood at ₹9.19 Cr

The latest P/E ratio of Galada Finance as of 16-Apr-2026 is 24.96.

The latest P/B ratio of Galada Finance as of 16-Apr-2026 is 1.53.

The 52-week high of Galada Finance is ₹36.68 and the 52-week low is ₹19.50.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Galada Finance is ₹2.37 ( 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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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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Galada Finance Ltd (538881) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Galada Finance Share Price