BSE:538881

Stock Analysis Report

Executive Summary

Galada Finance Limited, a non-banking financial company, engages in the hire purchase, hypothecation, and other credit facilities business.

Snowflake

Fundamentals

Adequate balance sheet with moderate growth potential.

Risks

  • Galada Finance is not covered by any analysts.

Share Price & News

How has Galada 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:538881

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-48.6%

BSE:538881

-3.2%

IN Consumer Finance

-14.7%

IN Market

538881 underperformed the Consumer Finance industry which returned -3.1% over the past year.

538881 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

538881IndustryMarket
7 Day0%-3.6%-2.1%
30 Day0%1.9%-3.9%
90 Day-5.0%-10.2%-10.1%
1 Year-48.6%-48.6%-2.5%-3.2%-12.9%-14.7%
3 Year-51.4%-51.4%59.3%56.0%17.7%11.5%
5 Yearn/a233.9%218.2%35.4%22.5%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

0.52x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Galada Finance is loss making, we can't compare its value to the IN Consumer Finance industry average.

Galada Finance is loss making, we can't compare the value of its earnings to the India market.


Price Based on Expected Growth

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


Price Based on Value of Assets

Galada Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

33.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Galada Finance is high growth as no revenue estimate data is available.

Galada Finance's earnings are expected to grow significantly at over 20% yearly.

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

Galada Finance's earnings growth is expected to exceed the India market average.

Galada Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

How has Galada Finance performed over the past 5 years?

-30.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Galada Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Galada Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Galada Finance's 1-year growth to the IN Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Galada Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Galada Finance has efficiently used its assets last year compared to the IN Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Galada Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Galada Finance's financial position?


Financial Position Analysis

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

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


Debt to Equity History and Analysis

Galada Finance's level of debt (43.8%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has been reduced over the past 5 years (56.2% vs 43.8% today).

Debt is well covered by operating cash flow (20.9%, greater than 20% of total debt).

Unable to confirm if the interest payments on Galada Finance's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 2.8x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Galada Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Galada Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Galada Finance has not reported any payouts.

Unable to verify if Galada Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Galada Finance has not reported any payouts.


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 Galada Finance's salary, the management and board of directors tenure and is there insider trading?

24.1yrs

Average board tenure


CEO

J. Ashok Galada (67yo)

0.0yrs

Tenure

₹1,500,000

Compensation

Mr. J. Ashok Kumar Galada serves as the Chief Executive Officer and Managing Director, Non Independent Executive/Whole Time Director at Galada Finance Limited. Mr. Galada gradated in commerce and having mo ...


CEO Compensation Analysis

J. Ashok's remuneration is about average for companies of similar size in India.

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


Board Age and Tenure

24.1yrs

Average Tenure

65.5yo

Average Age

The average tenure for the Galada 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

  • J. Ashok Galada (67yo)

    CEO, MD & Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹1.50m
  • K. Manimeghala

    Chief Financial Officer

    • Tenure: 5.3yrs
    • Compensation: ₹531.38k
  • Priyanka Tater

    Company Secretary

    • Tenure: 1.3yrs

Board Members

  • P. Bhaskaran

    Chairman

    • Tenure: 0.0yrs
    • Compensation: ₹8.00k
  • S. Venkatakrishnan (90yo)

    Independent Non-Executive Director

    • Tenure: 24.8yrs
    • Compensation: ₹8.00k
  • K. Ramu (64yo)

    Independent Non-Executive Director

    • Tenure: 23.3yrs
    • Compensation: ₹8.00k
  • Indira Royakottam

    Non Executive Independent Director

    • Tenure: 5.6yrs
    • Compensation: ₹4.00k
  • J. Ashok Galada (67yo)

    CEO, MD & Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹1.50m
  • Naveen Galada (38yo)

    Non Executive Director

    • Tenure: 0.0yrs

Company Information

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


Key Information

  • Name: Galada Finance Limited
  • Ticker: 538881
  • Exchange: BSE
  • Founded: 1986
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹31.350m
  • Shares outstanding: 3.00m
  • Website: https://www.galadafinance.in

Number of Employees


Location

  • Galada Finance Limited
  • Shanti Sadan
  • Old No. 4, New No.7, Shaffee Mohammed Road
  • Chennai
  • Tamil Nadu
  • 600006
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
538881BSE (Mumbai Stock Exchange)YesEquity SharesININRJan 2015

Biography

Galada Finance Limited, a non-banking financial company, engages in the hire purchase, hypothecation, and other credit facilities business. It offers new and used vehicle loans, construction equipment loan ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 13:03
End of Day Share Price2019/08/01 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.