1. New Zealand Stocks

  2. •

    Financial Services

  3. •

    Financial - Mortgages
General Capital Limited

General Capital Limited

GEN.NZ
General Capital LimitedNZ flagNew Zealand Exchange
0.29
NZD
+0.00
- -
26.19MMarket Cap
General Capital Limited
GEN.NZ
(New Zealand Exchange)

Recent

price

0.29

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
FRC
0.1
0.57
0.49
0.56
2.39
- -
- -
0.08
0.09
0.12
0.19
- -
- -
- -
- -
Revenue per Share
-0.02
0.09
0.01
0.01
-0.71
-0.05
-0.05
-0.02
- -
- -
0.03
0.04
0.03
0.03
- -
Basic EPS, GAAP
-0.02
-0.05
-0.09
-0.14
-0.04
- -
- -
- -
- -
-0.19
0.01
- -
- -
-0.01
- -
Free Cash Flow per Basic Share
- -
0.03
0.03
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.01
- -
Dividend per Share
0.98
1.04
1.01
1.02
0.33
0.31
0.2
0.35
0.24
0.24
0.32
0.43
0.3
0.32
- -
Book Value per Share
-0.32
0.19
-0.14
-0.04
0.33
0.31
0.05
0.22
0.09
0.09
0.18
0.34
0.27
0.27
- -
Tangible Book Value per Share
15
15
15
15
3
4
5
25
40
40
43
58
91
92
- -
Basic Weighted Avg Shares
1
9
7
8
7
- -
- -
2
4
5
8
- -
- -
- -
1
Sales/Revenue/Turnover
-114.11
-9.66
-27.16
-27.24
-12.3
-2,380.12
-2,984.18
31.94
44.62
51.04
60.49
-4,545.17
-3,229.81
-3,006.45
-1,165.87
Operating Margin (%)
1
2
2
2
1
- -
- -
- -
- -
- -
- -
1
- -
- -
1
Depreciation Expense
- -
1
- -
- -
-2
- -
- -
- -
- -
- -
1
2
3
3
3
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
31.98
32.28
29.01
32.47
26.56
28.73
31.81
Effective Tax Rate (%)
-24.16
15.03
1.33
1.79
-29.79
-2,380.12
-2,984.18
-21.73
3.57
1.72
16.8
2,040.3
1,597.25
1,245.68
454.5
Profit Margin (%)
3
3
3
3
2
1
- -
20
60
70
51
173
159
209
275
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
20
- -
32
- -
- -
- -
LT Debt
15
15
15
15
1
1
1
9
9
9
13
24
27
29
31
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
12.14
4.25
8.37
-4.56
-4.83
-17
-15.65
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
12.15
4.14
8.41
7.79
10.63
39.35
43
Return on Capital (%)
- -
8.54
0.63
0.98
-27.12
-19.19
-24.38
-9.42
1.42
0.85
11.44
11.78
10.22
9.94
8.96
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
97.31%
29.95%
7.03%
Free Cash Flow
- -
241.1%
-97.59%
Net Income, GAAP
146.88%
325.67%
-2.9%
Sales/Revenue/Turnover
2,377.24%
44.25%
166.12%
Total Cash Common Dividend
- -
- -
40.61%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
1

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.03
2025
- -
- -
- -
- -
0.03
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.01
2026
- -
- -
- -
- -
- -
Similar Companies
Can Fin Homes Limited (CANFINHOME.NS)
CNFinance Holdings Limited (CNF)
TWA Corp. (TWAC)
Paragon Banking Group PLC (PAG.L)
General Capital Limited (GEN.NZ)
Housing Development Finance Corporation Limited (HDFC.NS)
Business
General Capital Limited (NZX:GEN), a New Zealand-based financial services group founded in 2012 and headquartered in Auckland, operates through three principal segments: Finance, Research and Advisory, and Corporate and Other. The Finance segment, conducted primarily through wholly owned subsidiary General Finance Limited, a licensed non-bank deposit taker, accepts term deposits from the public and provides short-term property mortgage lending secured over residential and commercial properties, insurance premium funding, home loans, personal loans, car loans, and education loans. The Research and Advisory segment, delivered via wholly owned subsidiary Investment Research Group Limited (IRG), an NZX sponsor, offers investment research publications including the IRG Yearbook, investment advisory services, corporate finance advisory, and assistance with company listings on NZX equity boards such as NZSX, NZAX, NCM, and NXT; the Corporate and Other segment handles group investment activities and overhead functions. The group targets retail depositors, individual and business borrowers, investors, and companies seeking capital market access, with all operations centered in New Zealand. In November 2024, General Finance Limited acquired Bridges Financial Services Limited, expanding its financial services portfolio. As of November 2025, the group reports record total assets of NZ$275.8 million, up 26% from March 2025, with deposits and loans advanced by General Finance surging 52% and 40% respectively from September 2024, alongside a declared fully imputed dividend of NZ$0.0033 per share payable in December 2025 representing 30% of net profit after tax. Management continues to prioritize loan book expansion, net interest margin optimization, and growth in insurance premium funding and advisory services amid a challenging economic environment.