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Galada Finance Overview

1. Business Overview

Galada Finance Ltd. operates as a Non-Banking Financial Company (NBFC) in India. Its core business model involves providing various financial services, primarily lending and credit facilities, to individuals and businesses. As an NBFC, the company generates revenue primarily through the interest income earned on the loans and advances it extends, as well as potential fees for its financial services.

2. Key Segments / Revenue Mix

Specific breakdowns of key business segments or detailed revenue mix for Galada Finance Ltd. are not publicly detailed without further information. Generally, NBFCs like Galada Finance typically derive the majority of their revenue from interest income across their loan portfolios, which can include personal loans, business loans, vehicle financing, or other asset-backed lending, depending on their strategic focus.

3. Industry & Positioning

Galada Finance Ltd. operates within India's highly competitive and regulated financial sector, specifically as an NBFC. The Indian NBFC industry is diverse, comprising a wide range of players from large, well-established companies to smaller, regional entities. Without specific details on market share, scale of operations, or niche focus, Galada Finance likely positions itself by catering to specific borrower segments or geographical regions, competing with other NBFCs, public sector banks, and private banks.

4. Competitive Advantage (Moat)

Without specific details, identifying a strong, durable competitive advantage (moat) for Galada Finance Ltd. is challenging. Smaller NBFCs often compete based on factors such as deeper understanding of local markets, personalized customer service, faster loan processing, or catering to segments underserved by larger banks. It is unlikely to possess significant moats like dominant brand recognition, massive scale-based cost advantages, or proprietary technology at an industry-wide level without further specific information.

5. Growth Drivers

Key factors that could drive growth for Galada Finance Ltd. over the next 3-5 years include:

Economic Growth: A growing Indian economy typically leads to increased demand for credit across various sectors (retail, MSME, corporate).

Financial Inclusion: Expansion of financial services to underserved populations and regions.

Product & Geographic Expansion: Successful diversification into new lending products or expansion into new geographical markets.

Efficient Asset Quality Management: Prudent lending practices and effective recovery mechanisms to maintain a healthy loan book.

Technology Adoption: Leveraging technology for efficient customer acquisition, credit assessment, and operational processes.

6. Risks

Asset Quality Deterioration: Non-Performing Assets (NPAs) arising from borrower defaults can significantly impact profitability and capital.

Funding and Liquidity Risk: Dependence on specific funding sources, rising interest rates, or tight credit markets can increase borrowing costs or restrict access to capital.

Regulatory Changes: Evolving regulations by the Reserve Bank of India (RBI) can impact business models, capital requirements, and operational costs.

Intense Competition: Competition from banks and other NBFCs can pressure interest margins and market share.

Economic Downturn: A slowdown in the economy can reduce credit demand and increase default rates.

7. Management & Ownership

Information regarding the promoters, specific management quality, and detailed ownership structure of Galada Finance Ltd. is not provided in the given data. For many Indian companies, a significant portion of ownership and control often lies with promoter families or groups.

8. Outlook

Galada Finance Ltd., as an NBFC in India, operates in a dynamic environment. The outlook hinges on its ability to effectively navigate the competitive landscape and regulatory framework. A bull case would involve sustained economic growth fueling credit demand, the company successfully identifying and serving profitable niches, maintaining robust asset quality, and efficiently managing its cost of funds. Conversely, a bear case could see challenges from economic deceleration leading to higher defaults, increased competition eroding margins, adverse regulatory changes, or difficulties in securing stable and cost-effective funding, thereby impacting its growth trajectory and profitability.

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Galada Finance Key Financials

Market Cap ₹12 Cr.

Stock P/E 48.1

P/B 2

Current Price ₹39.9

Book Value ₹ 20

Face Value 10

52W High ₹40.4

Dividend Yield 0%

52W Low ₹ 19.5

Galada Finance Share Price

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Volume
Price

Galada Finance Quarterly Price

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Galada Finance Peer Comparison

Galada Finance Quarterly Results

#(Fig in Cr.) Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
Operating Revenue 0 0 0 0 0 0 1 1 1 1
Other Income 0 0 -0 0 0 0 -0 0 0 0
Total Income 0 0 0 0 0 0 1 1 1 1
Total Expenditure 0 0 0 0 0 0 0 0 0 0
Operating Profit 0 0 0 0 0 0 0 0 0 0
Interest Expense 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 0 0 0 0 0 0
Provision for Tax 0 0 0 0 0 0 0 0 0 0
Profit After Tax 0 0 0 0 0 0 0 0 0 0
Adjustments 0 -0 0 0 0 0 0 -0 0 -0
Profit After Adjustments 0 0 0 0 0 0 0 0 0 0
Adjusted Earnings Per Share 0.3 0.2 0.6 0.1 0.1 0.1 0.5 0.1 0.2 0.4

Galada Finance Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 1 1 1 1 1 1 1 1 1 1 2 4
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 2 2 2 2 1 1 1 1 1 2 2 4
Total Expenditure 1 1 1 1 1 1 1 1 1 1 1 0
Operating Profit 1 1 1 1 0 -0 0 0 0 1 1 0
Interest Expense 0 0 0 0 0 0 0 0 0 0 1 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 -0 -1 -0 -0 0 0 0 0
Provision for Tax 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Tax 0 0 0 0 -0 -1 -0 -0 0 0 0 0
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 0 -0 -1 -0 -0 0 0 0 0
Adjusted Earnings Per Share 1.3 0.8 0.8 0.4 -0.7 -2.3 -0.2 -0.9 0.1 1.1 0.8 1.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 100% 26% 15% 7%
Operating Profit CAGR 0% 0% 0% 0%
PAT CAGR 0% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 38% 58% 31% 7%
ROE Average 4% 4% 1% 0%
ROCE Average 8% 7% 6% 6%

Galada Finance Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 6 6 6 6 5 5 5 5 5 6 6
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 1 1 0 0 0 0 1 0 0 1 3
Current Liability 3 4 5 4 2 2 3 2 2 3 4
Other Liabilities & Provisions 0 0 0 -0 -0 -0 -0 -0 -0 -0 -0
Total Liabilities 9 10 12 11 8 7 9 8 7 10 12
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 2 2 2 2 1 0 1 0 0 0 0
Fixed Assets 0 0 1 0 0 0 0 0 0 1 1
Other Loans 0 0 0 0 0 0 0 0 0 0 6
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 7 8 9 8 6 7 8 7 6 9 6
Total Assets 9 10 12 11 8 7 9 8 7 10 12

Galada Finance Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Operating Activities 0 -1 0 1 0 -1 -1 0 1 -2 -2
Cash Flow from Investing Activities 1 -0 -0 -0 -0 1 -0 0 -0 -0 -0
Cash Flow from Financing Activities -1 1 0 -0 -0 -0 1 -1 -1 3 2
Net Cash Inflow / Outflow -0 0 -0 0 0 -0 0 -0 0 0 -0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 0 0 0

Galada Finance Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 1.27 0.77 0.79 0.45 -0.66 -2.3 -0.24 -0.9 0.08 1.13 0.83
CEPS(Rs) 1.72 1.08 1.32 0.98 -0.22 -1.99 -0.03 -0.75 0.24 1.77 1.54
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 18.7 19.47 20.26 20.7 17.83 16.34 16.93 17.02 17.15 18.44 19.26
Net Profit Margin 27.07 16.45 16.02 10.72 -15.97 -73.09 -8.14 -25.86 2.66 25.24 15.07
Operating Margin 64.28 51.46 51.85 52.08 22.08 -28.26 36.72 22.94 39.84 60.52 51.57
PBT Margin 31.92 22.7 20.77 13.71 -13.75 -71.41 -4.19 -21.47 6.55 29.83 18.06
ROA(%) 4 2.34 2.15 1.19 -2.11 -9.11 -0.92 -3.31 0.33 4.06 2.22
ROE(%) 7.01 4.01 3.97 2.18 -3.41 -13.47 -1.47 -5.33 0.47 6.35 4.4
ROCE(%) 11.24 8.6 8.48 7.15 3.22 -3.45 4.13 2.95 4.94 9.76 7.66
Price/Earnings(x) 8.49 20.71 19.03 42.63 0 0 0 0 111.11 13.45 23.02
Price/Book(x) 0.57 0.81 0.74 0.92 0.62 0 0.62 0.97 0.52 0.82 0.99
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 3.86 5.49 5.15 6.7 4.71 5.79 7.19 7.21 4.56 6.43 7.3
EV/Core EBITDA(x) 5.23 9.42 8.21 10.3 14.35 -31.61 16.33 26.25 10.11 8.61 11.34
Interest Earned Growth(%) -2.45 -0.58 5.79 -15.5 -0.92 -23.58 -4.77 16.68 -13.86 48.66 23
Net Profit Growth 189.95 -39.57 3 -43.45 -247.57 -249.74 89.39 -270.54 108.86 1310.39 -26.55
EPS Growth(%) 0 -39.58 3 -43.45 -247.56 -249.76 89.39 -270.5 108.86 1310.99 -26.54
Interest Coverage(x) % 1.99 1.79 1.67 1.36 0.62 -0.65 0.9 0.52 1.2 1.97 1.54

Galada Finance Shareholding Pattern

# Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Promoter 63.93 63.93 63.93 63.93 63.93 63.93 63.93 63.93 63.93 66.75
FII 0 0 0 0 0 0 0 0 0 0
DII 0 0 0 0 0 0 0 0 0 0
Public 36.07 36.07 36.07 36.07 36.07 36.07 36.07 36.07 36.07 33.25
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Galada Finance News

Galada Finance Pros & Cons

Pros

Cons

  • Company has a low return on equity of 4% over the last 3 years.
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