BSE:530709

Stock Analysis Report

Executive Summary

Gowra Leasing and Finance Limited, a non-banking financial company, engages in investing and financing activities in India.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Gowra Leasing and Finance is not covered by any analysts.

Share Price & News

How has Gowra Leasing and Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BSE:530709

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-21.8%

BSE:530709

-3.2%

IN Consumer Finance

-14.7%

IN Market

530709 underperformed the Consumer Finance industry which returned -3.1% over the past year.

530709 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

530709IndustryMarket
7 Day0%-3.6%-2.1%
30 Day1.9%1.9%-3.9%
90 Day-4.4%-10.2%-10.1%
1 Year-18.2%-21.8%-2.5%-3.2%-12.9%-14.7%
3 Year-8.4%-20.9%59.3%56.0%17.7%11.5%
5 Year21.7%-7.1%233.9%218.2%35.4%22.5%

Price Volatility Vs. Market

How volatile is Gowra Leasing and Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Gowra Leasing and Finance undervalued based on future cash flows and its price relative to the stock market?

7.52x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Gowra Leasing and Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Gowra Leasing and Finance to establish if it is available at substantial discount.


Price Based on Earnings

Gowra Leasing and Finance is good value based on earnings compared to the IN Consumer Finance industry average.

Gowra Leasing and Finance is good value based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Gowra Leasing and Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

Gowra Leasing and Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Gowra Leasing and Finance expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Gowra Leasing and Finance is high growth as no revenue estimate data is available.

Gowra Leasing and Finance's earnings are expected to grow by 5.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare Gowra Leasing and Finance's revenue growth to the India market average as no estimate data is available.

Gowra Leasing and Finance's earnings growth is positive but not above the India market average.

Gowra Leasing and Finance's earnings growth is positive but not above the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Gowra Leasing and Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Gowra Leasing and Finance performed over the past 5 years?

18.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Gowra Leasing and Finance's year on year earnings growth rate has been positive over the past 5 years.

Gowra Leasing and Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Gowra Leasing and Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

Gowra Leasing and Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Gowra Leasing and Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Gowra Leasing and Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Gowra Leasing and Finance's financial position?


Financial Position Analysis

Gowra Leasing and Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Gowra Leasing and Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Gowra Leasing and Finance has no debt.

Gowra Leasing and Finance had no debt 5 years ago.

Gowra Leasing and Finance has no debt, it does not need to be covered by operating cash flow.

Gowra Leasing and Finance has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Gowra Leasing and Finance has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

What is Gowra Leasing and Finance's current dividend yield, its reliability and sustainability?

6.35%

Current Dividend Yield


Dividend Yield and Payments Analysis

Gowra Leasing and Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.65%).

Gowra Leasing and Finance's dividend is above the markets top 25% of dividend payers in India (2.64%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.1x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Gowra Leasing and Finance's salary, the management and board of directors tenure and is there insider trading?

5.0yrs

Average management tenure


CEO

Gowra Srinivas (75yo)

13.0yrs

Tenure

0

Mr. Gowra Srinivas, M.Sc has been the Managing Director of Gowra Leasing & Finance Limited., since August 1, 2006 and has been its Executive Director since March 26, 2003. Mr. Srinivas serves as Director o ...


CEO Compensation Analysis

Gowra's remuneration is lower than average for companies of similar size in India.

Gowra's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.0yrs

Average Tenure

The average tenure for the Gowra Leasing and Finance management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

15.7yrs

Average Tenure

72yo

Average Age

The average tenure for the Gowra Leasing and Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Gowra Srinivas (75yo)

    MD & Executive Director

    • Tenure: 13.0yrs
  • Alamuru Rao

    Chief Financial Officer

    • Tenure: 5.0yrs
  • Zafar Khan

    Compliance Officer & Company Secretary

    • Tenure: 1.8yrs

Board Members

  • Tilak Shankar (73yo)

    Non Executive Independent Director

    • Tenure: 5.0yrs
    • Compensation: ₹15.00k
  • Gowra Lakshminarayana (72yo)

    Non-Executive Director

    • Tenure: 26.5yrs
    • Compensation: ₹10.00k
  • Gowra Srinivas (75yo)

    MD & Executive Director

    • Tenure: 13.0yrs
  • Gowra Prasad (66yo)

    Non Executive Director

    • Tenure: 26.5yrs
    • Compensation: ₹10.00k
  • Dwarakdas Suresh (75yo)

    Chairman

    • Tenure: 0.0yrs
    • Compensation: ₹15.00k
  • Madhumathi Suresh (56yo)

    Non Executive Independent Director

    • Tenure: 4.3yrs
    • Compensation: ₹10.00k
  • Soma Sudheer (69yo)

    Director

    • Tenure: 2.9yrs
    • Compensation: ₹10.00k

Company Information

Gowra Leasing and Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Gowra Leasing and Finance Limited
  • Ticker: 530709
  • Exchange: BSE
  • Founded: 1993
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹47.255m
  • Shares outstanding: 3.00m
  • Website: https://www.gowraleasing.com

Number of Employees


Location

  • Gowra Leasing and Finance Limited
  • No. 501, Gowra Grand
  • 5th Floor
  • Secunderabad
  • Andhra Pradesh
  • 500003
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
530709BSE (Mumbai Stock Exchange)YesEquity SharesININRAug 2006

Biography

Gowra Leasing and Finance Limited, a non-banking financial company, engages in investing and financing activities in India. The company offers inter corporate deposits, mortgage loans, bill discounting ser ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:31
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.