Garbi Finvest

₹18 0.6 | 3.6%

WEBSITE BSE:539492 NSE : GARBIFIN 18 May, 12:50

Market Cap ₹21 Cr.

Stock P/E 14.0

P/B 0.3

Current Price ₹18

Book Value ₹ 61.2

Face Value 10

52W High ₹37

Dividend Yield 0%

52W Low ₹ 17.1

Edit Ratio

Garbi Finvest Research see more...

Overview Inc. Year: 1982Industry: Finance - NBFC

Garbi Finvest Share Price

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Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

Garbi Finvest Quarterly Results

#(Fig in Cr.)	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	9	9	10	9	1	1	1	0	1	0
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	9	9	10	9	1	1	1	1	1	1
Total Expenditure	4	0	0	1	0	0	0	0	0	1
Operating Profit	5	9	9	8	0	1	1	1	1	-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	5	9	9	8	0	1	1	1	1	-0
Provision for Tax	1	2	2	2	0	0	0	0	0	0
Profit After Tax	4	7	7	6	0	1	0	1	1	-0
Adjustments	0	0	-0	0	0	0	0	0	0	-0
Profit After Adjustments	4	7	7	6	0	1	0	1	1	-0
Adjusted Earnings Per Share	3.3	5.8	6	4.8	0.2	0.7	0.3	0.5	1	-0.4

Garbi Finvest Profit & Loss

#(Fig in Cr.)	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	1	1	2	3	3	2	37	6	2
Other Income	0	0	0	0	0	0	0	1	0
Total Income	1	1	2	3	3	2	37	7	4
Total Expenditure	0	0	1	2	1	1	5	1	1
Operating Profit	0	0	1	1	2	1	31	6	3
Interest Expense	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0
Profit Before Tax	0	0	1	1	2	1	31	6	3
Provision for Tax	0	0	0	0	1	0	2	2	0
Profit After Tax	0	0	1	1	1	1	30	4	2
Adjustments	0	0	0	0	0	0	0	0	0
Profit After Adjustments	0	0	1	1	1	1	30	4	2
Adjusted Earnings Per Share	0.1	0.1	0.6	0.9	1	0.9	25.3	3.7	1.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-84%	26%	25%	0%
Operating Profit CAGR	-81%	44%	43%	0%
PAT CAGR	-87%	59%	32%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-38%	-5%	-4%	NA%
ROE Average	6%	21%	13%	6%
ROCE Average	8%	23%	15%	7%

Garbi Finvest Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	11	57	57	58	58	58	59	60	39	68	73
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Current Liability	0	1	0	0	1	1	1	2	1	2	1
Other Liabilities & Provisions	0	0	0	0	0	-0	-0	-0	-0	1	2
Total Liabilities	11	58	57	58	59	60	61	62	40	71	76
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	8	52	44	50	50	32	30	30	7	40	48
Fixed Assets	0	0	0	0	0	0	0	0	0	0	0
Other Loans	0	0	0	0	0	0	0	0	0	0	0
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	4	6	14	8	8	27	30	32	33	31	27
Total Assets	11	58	57	58	59	60	61	62	40	71	76

Garbi Finvest Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	0	0	0	3	0	0	0	1	0	0	1
Cash Flow from Operating Activities	-2	-1	-6	3	1	-18	-2	-1	-0	33	7
Cash Flow from Investing Activities	1	-45	9	-5	-1	18	2	0	0	-33	-7
Cash Flow from Financing Activities	0	46	0	0	0	0	0	0	0	0	-1
Net Cash Inflow / Outflow	-0	-0	3	-3	-0	0	0	-1	0	0	-0
Closing Cash & Cash Equivalent	0	0	3	0	0	0	1	0	0	1	0

Garbi Finvest Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	0	0	0.08	0.05	0.6	0.88	0.99	0.85	25.3	3.7
CEPS(Rs)	0.01	0.02	0.02	0.08	0.06	0.6	0.88	1	0.86	25.3	3.7
DPS(Rs)	0	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	0	0	0	49.03	49.09	49.68	50.56	51.56	32.95	58.24	61.94
Net Profit Margin	7.63	16.84	7.43	16.42	10.81	46.58	33.32	41.1	42.17	81.24	74.58
Operating Margin	20.27	21.5	12.55	23.84	20.72	63.33	46.12	60.01	59.17	85.49	101.5
PBT Margin	16.1	20.92	12.35	23.76	20.7	63.32	46.09	60	59.11	85.48	101.5
ROA(%)	0.02	0.05	0.04	0.17	0.1	1.18	1.72	1.9	1.96	53.43	5.92
ROE(%)	0.02	0.05	0.04	0.17	0.11	1.21	1.76	1.95	2.02	55.48	6.16
ROCE(%)	0.05	0.07	0.07	0.25	0.2	1.64	2.43	2.82	2.77	57.21	8.32
Price/Earnings(x)	0	0	0	252.36	0	0	0	0	0	0	6.42
Price/Book(x)	0	0	0	0.44	0	0	0	0	0	0	0.38
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	77.76	108.37	26.12	41.24	20.72	7.51	3.55	4.44	5.34	0.34	4.78
EV/Core EBITDA(x)	383.69	504.03	208.18	172.97	96.11	11.82	7.7	7.38	8.98	0.39	4.7
Interest Earned Growth(%)	9.85	244.31	216.17	78.25	-7.11	166.63	106.56	-8.52	-16.37	1440.68	-84.07
Net Profit Growth	180.77	659.53	39.57	293.61	-38.85	1049.49	47.73	12.85	-14.21	2868.42	-85.37
EPS Growth(%)	0	0	0	0	-38.92	1050.27	47.74	12.84	-14.21	2868.45	-85.37
Interest Coverage(x) %	4.87	36.8	63.54	280.72	1186.11	5768.98	1640.74	7406.96	1079.08	0	0

Garbi Finvest Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	62.49	62.49	62.49	62.49	62.49	62.49	62.49	62.49	62.11	60.83
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	37.51	37.51	37.51	37.51	37.51	37.51	37.51	37.51	37.89	39.17
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.71
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.44	0.44	0.44	0.44	0.44	0.44	0.44	0.44	0.44	0.46
Others	0	0	0	0	0	0	0	0	0	0
Total	1.17	1.17	1.17	1.17	1.17	1.17	1.17	1.17	1.17	1.17

Pros

Stock is trading at 0.3 times its book value
Company has delivered good profit growth of 31% CAGR over last 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 21%
Company is almost debt free.

Cons

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.