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GK Consultants Overview

1. Business Overview

GK Consultants Ltd. operates as a Non-Banking Financial Company (NBFC) in India. As a typical NBFC, its core business model likely revolves around providing various financial services without holding a banking license. This generally includes lending activities (e.g., personal loans, business loans, vehicle loans, gold loans), investment activities (e.g., investing in securities), and potentially other fee-based financial services. The company primarily makes money through interest income generated from its loan portfolio, fees charged for services, and potential gains from its investment activities.

2. Key Segments / Revenue Mix

Specific details on the key business segments or revenue contribution are not available from the provided information. However, for an NBFC of its type, potential segments could include retail lending, corporate lending, asset financing, or investment operations. Revenue would predominantly comprise interest income from disbursed loans and potentially fee income from financial advisory or other services.

3. Industry & Positioning

The Indian NBFC sector is diverse, competitive, and highly regulated by the Reserve Bank of India (RBI). It plays a crucial role in providing credit to segments underserved by traditional banks, including small businesses, individuals in semi-urban and rural areas, and niche industries. Given the lack of specific information about GK Consultants Ltd.'s market share or operational scale, it likely operates as a smaller player within this competitive landscape, potentially focusing on specific geographies or niche customer segments where it can differentiate itself or leverage local knowledge. The industry faces intense competition from larger, well-established NBFCs and public/private sector banks.

4. Competitive Advantage (Moat)

Without specific operational details, it is difficult to ascertain strong, durable competitive advantages for GK Consultants Ltd. Many smaller NBFCs typically lack significant moats such as a strong national brand, proprietary technology, or extensive distribution networks. Any advantage would likely stem from hyper-local market understanding, efficient credit assessment in specific niches, strong customer relationships in its operational areas, or a cost-effective operating model. However, these are often less durable than scale or network effects.

5. Growth Drivers

Key growth drivers for GK Consultants Ltd. over the next 3-5 years could include:

Growing demand for credit: India's economic growth and increasing financialization of its economy continue to drive demand for credit, especially from underserved segments.

Financial inclusion: Efforts to extend financial services to a broader population, particularly in semi-urban and rural areas, can create new market opportunities for NBFCs.

Digitalization: Adoption of digital lending platforms and processes can improve operational efficiency, reduce costs, and expand reach.

Niche market focus: Successful identification and catering to specific niche credit demands could allow for focused growth.

6. Risks

GK Consultants Ltd., as an NBFC, faces several inherent risks:

Credit Risk: The primary risk is the potential for borrowers to default on their loans, leading to non-performing assets (NPAs) and impacting profitability.

Liquidity Risk: Dependence on market borrowings for funding can expose the company to liquidity crunches, especially during periods of tight credit markets or rising interest rates.

Interest Rate Risk: Fluctuations in interest rates can impact both borrowing costs and lending margins.

Regulatory Risk: Changes in RBI regulations, capital adequacy norms, or asset classification rules can impact business operations and profitability.

Competition: Intense competition from larger NBFCs, banks, and new fintech players can squeeze margins and limit market share.

Economic Downturn: A slowdown in the broader Indian economy could negatively impact borrower repayment capacity and credit demand.

7. Management & Ownership

Information regarding the promoters, specific management team, and ownership structure (e.g., promoter holding, institutional holding) for GK Consultants Ltd. is not provided in the input. For an NBFC, the quality, experience, and integrity of the management team, along with a stable and reputable promoter group, are critical factors for long-term success and investor confidence.

8. Outlook

GK Consultants Ltd. operates in the dynamic and growing Indian NBFC sector, which benefits from underlying economic expansion and significant unmet credit demand. This presents a favorable backdrop for potential growth, particularly if the company can effectively target specific niches or leverage efficient operational models. However, the sector is also characterized by intense competition, stringent regulatory oversight, and inherent risks related to asset quality and funding. The company's future performance will heavily depend on its ability to manage credit risk effectively, maintain adequate liquidity, adapt to regulatory changes, and compete with larger, more resourced players. Without specific financial performance data, asset quality metrics, or details on its funding profile, a precise assessment of its prospects remains limited.

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GK Consultants Key Financials

Market Cap ₹15 Cr.

Stock P/E 533.5

P/B 0.9

Current Price ₹13

Book Value ₹ 14.9

Face Value 10

52W High ₹20.5

Dividend Yield 0%

52W Low ₹ 8.5

GK Consultants Share Price

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Volume
Price

GK Consultants Quarterly Price

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GK Consultants Peer Comparison

GK Consultants 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 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 0 0 0 0 0 0 0
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 0.1 0.1 0 -0.1 0 0.1 0 0.1 0.2 0.2

GK Consultants 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 29 30 52 33 11 9 5 1 1 1 1 0
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 29 30 52 33 11 9 5 1 1 1 1 0
Total Expenditure 29 29 51 33 11 9 5 1 1 1 1 0
Operating Profit 0 0 0 0 0 0 -1 1 -0 0 0 0
Interest Expense 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 0 0 -1 1 -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 0 -1 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 0 -1 0 -0 0 0 0
Adjusted Earnings Per Share 0.4 0.4 0.4 0.2 0.3 0.3 -1 0.9 -0.3 0.3 0 0.5

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 0% 0% -36% -29%
Operating Profit CAGR 0% -100% 0% 0%
PAT CAGR 0% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -24% 21% 38% 2%
ROE Average 0% 0% -0% 1%
ROCE Average 0% 0% -0% 2%

GK Consultants 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 7 7 7 7 7 7 7 7 16
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 0 0 0 0 0 0 1 0 0 0
Other Liabilities & Provisions 0 0 0 0 -0 -0 -0 -0 -0 -0 -0
Total Liabilities 6 7 7 7 7 7 7 8 7 7 16
Loans 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 0 0 0 0 0
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 6 6 6 7 7 7 7 8 7 7 16
Total Assets 6 7 7 7 7 7 7 8 7 7 16

GK Consultants 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 1 0 0 0 0 2 0 1 0 0 1
Cash Flow from Operating Activities -0 -0 -0 -0 1 -2 1 -2 1 1 -8
Cash Flow from Investing Activities 0 -0 0 0 0 0 0 0 -0 0 0
Cash Flow from Financing Activities 0 0 0 0 0 0 0 1 -1 -0 9
Net Cash Inflow / Outflow -0 -0 -0 0 1 -2 1 -1 0 1 2
Closing Cash & Cash Equivalent 0 0 0 0 2 0 1 0 0 1 3

GK Consultants 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) 0.36 0.4 0.4 0.18 0.33 0.28 -0.99 0.86 -0.3 0.27 0.02
CEPS(Rs) 0.38 0.41 0.41 0.19 0.33 0.28 -0.99 0.86 -0.3 0.27 0.03
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 11.66 12.06 12.46 12.65 12.97 13.25 12.27 13.12 12.82 13.05 14.28
Net Profit Margin 0.66 0.72 0.41 0.29 1.59 1.64 -11.1 36.67 -24.21 12.97 4.48
Operating Margin 0.95 1.03 0.56 0.4 2.14 2.15 -15 52.06 -29.96 17.33 6.01
PBT Margin 0.95 1.03 0.56 0.4 2.14 2.15 -15 49.64 -32.09 17.16 5.99
ROA(%) 3.07 3.33 3.24 1.44 2.52 2.1 -7.66 6.32 -2.15 2.06 0.24
ROE(%) 3.13 3.4 3.29 1.46 2.56 2.14 -7.74 6.74 -2.31 2.07 0.24
ROCE(%) 4.5 4.83 4.46 1.96 3.45 2.82 -10.45 8.97 -2.66 2.74 0.32
Price/Earnings(x) 71.16 51.89 14.88 38.23 20.75 0 0 10.61 0 34.65 755.33
Price/Book(x) 2.19 1.73 0.48 0.55 0.52 0 0.22 0.69 0.63 0.71 1.29
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 0.46 0.37 0.06 0.1 0.16 0.56 0.11 4.52 6.03 3.52 29.53
EV/Core EBITDA(x) 46.64 35.74 10.73 24.55 7.21 25.93 -0.74 8.69 -20.19 20.04 460.57
Interest Earned Growth(%) 5.74 2.32 74.1 -36.07 -66.82 -16.68 -48.22 -73.74 -46.91 66.93 -44
Net Profit Growth 44.61 12.17 0.1 -54.57 78.9 -14.24 -451.27 186.73 -135.05 189.45 -80.67
EPS Growth(%) 44.43 12.18 0.1 -54.59 78.94 -14.24 -451.25 186.73 -135.06 189.44 -90.91
Interest Coverage(x) % 1021.05 1760.33 529.58 375.85 3044.88 1593.14 -3250.34 21.57 -14.05 96.96 377.18

GK Consultants Shareholding Pattern

# Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Promoter 1.59 1.59 1.59 1.59 1.59 0.75 0.75 0.75 0.75 0.75
FII 0 0 0 0 0 0 0 0 0 0
DII 0 0 0 0 0 0 0 0 0 0
Public 98.41 98.41 98.41 98.41 98.41 99.25 99.25 99.25 99.25 99.25
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

GK Consultants News

GK Consultants Pros & Cons

Pros

  • Stock is trading at 0.9 times its book value
  • Debtor days have improved from 23.06 to 0days.
  • Company is almost debt free.

Cons

  • Promoter holding is low: 0.75%.
  • Company has a low return on equity of 0% over the last 3 years.
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