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Gilada Finance & Investments Ltd

Gilada Finance & Investments Ltd

BBSE:GILADAFINS
11.73
INR
+0.54
(+4.83%)
1.55EPS
7.74P/E
168.59MMarket Cap
Gilada Finance & Investments Ltd
BSE:GILADAFINS
(Bombay Stock Exchange)

Recent

price

11.73

P/E

ratio

7.74

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
1.4
1.41
1.47
1.79
1.84
2.34
2.45
2.39
10.68
3.08
4.43
4.79
5.15
5.11
Revenue per Share
0.64
0.71
0.58
0.65
0.54
0.45
0.66
0.7
3.78
1.08
1.21
1.52
1.55
1.55
Basic EPS, GAAP
- -
- -
0.1
0.04
1.29
-2.27
0.07
0.05
2.29
-2.04
-4.8
2.13
0.44
- -
Free Cash Flow per Basic Share
- -
- -
0.13
- -
0.06
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
8.57
9.27
9.69
10.36
11.51
11.97
12.64
13.33
14.24
14.44
15.66
17.08
18.63
18.63
Book Value per Share
8.57
9.27
9.69
10.36
11.49
11.94
12.62
13.32
14.22
14.43
15.65
17.01
18.58
18.58
Tangible Book Value per Share
14
14
14
14
14
14
14
14
4
14
14
14
14
14
Basic Weighted Avg Shares
20
20
21
25
26
33
34
33
38
43
62
67
72
72
Sales/Revenue/Turnover
82.35
77.89
61.74
68.89
57.6
43.33
42.35
58.57
64.81
44.65
43.64
45.72
45.47
40.43
Operating Margin (%)
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
1
1
1
Depreciation Expense
9
10
8
9
8
6
9
10
13
15
17
21
22
22
Net Income, GAAP
32.38
32.96
33.55
31.96
29.78
10.82
22.22
30.73
17.86
25.96
27.01
26.47
25.82
25.7
Effective Tax Rate (%)
46.06
50.67
39.47
36.23
29.41
19.2
27.1
29.33
35.39
35
27.36
31.66
30.07
30.33
Profit Margin (%)
34
34
36
38
156
166
31
152
166
227
298
297
325
325
Working Capital
- -
- -
- -
- -
3
3
- -
4
7
66
120
100
105
105
LT Debt
120
130
136
145
162
168
178
187
200
203
220
240
262
262
Total Equity
- -
7.74
5.96
6.33
4.83
3.63
5.43
5.12
6.58
2.81
5.64
6.14
6.18
5.59
Return on Invested Capital (%)
- -
7.95
6.12
6.45
4.81
3.64
5.44
5.19
6.57
6.34
5.6
6.27
6.26
6.16
Return on Capital (%)
- -
8.01
6.13
6.47
4.95
3.83
5.4
5.38
6.85
7.52
8.06
9.26
8.67
8.68
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
96
- -
105
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
170
186
169

Working Capital

INR

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
309
- -
331
Cash, Cash Equivalents & STI
1
- -
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
6
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.78%
6.95%
9.06%
Free Cash Flow
332.48%
101.5%
-79.22%
Net Income, GAAP
12%
17.77%
2.09%
Sales/Revenue/Turnover
14.04%
17.36%
7.49%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13
15
18
15
62
2025
17
16
17
18
67
2026
17
17
19
19
72

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.31
0.43
0.43
0.05
1.21
2025
0.39
0.39
0.35
0.38
1.52
2026
0.39
0.4
0.43
0.33
1.55

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Gilada Finance & Investments Limited Gilada Finance & Investments Limited (GILADAFINS.BO) is a non-banking financial company (NBFC) that provides lending services to micro and small entrepreneurs in India, focusing on bridging financing gaps for underserved segments. The company offers vehicle financing, small business loans, mortgage loans, hire purchase, leasing, bills discounting, loans for equipment and machinery purchases, working capital loans, business expansion loans, and term loans; it operates primarily through four branches in Karnataka with nationwide reach. Incorporated in 1994 and headquartered at 105, R R Takt, 37 Boopasandra Main Road, Bengaluru, Karnataka, it functions as a standalone entity within the Gilada Group, established in 1961 with diversified interests in manufacturing sectors. Recent developments include a change in registrar and transfer agent (RTA), appointment of company secretary Mrs. Mohita Agrawal in April 2023 following a resignation, disclosure of an independent director's demise, and approval of unaudited Q1 FY2025 results alongside scheduling of the annual general meeting for September 2025.