BSE:538881

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Imperfect balance sheet with weak fundamentals.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: 538881 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

538881

2.7%

IN Consumer Finance

2.4%

IN Market


1 Year Return

-9.7%

538881

1.3%

IN Consumer Finance

5.1%

IN Market

Return vs Industry: 538881 underperformed the Indian Consumer Finance industry which returned 1.3% over the past year.

Return vs Market: 538881 underperformed the Indian Market which returned 5.1% over the past year.


Shareholder returns

538881IndustryMarket
7 Day0%2.7%2.4%
30 Dayn/a2.9%5.2%
90 Dayn/a40.3%21.1%
1 Year-9.7%-9.7%4.1%1.3%7.0%5.1%
3 Year-59.4%-59.4%42.6%34.0%4.8%-0.2%
5 Year-14.2%-14.2%180.7%156.3%30.4%20.7%

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 compared to its fair value and its price relative to the market?

0.47x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 538881's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 538881's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 538881 is unprofitable, so we can't compare its PE Ratio to the IN Consumer Finance industry average.

PE vs Market: 538881 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 538881's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 538881's PB Ratio (0.5x) is in line with the IN Consumer Finance industry average.


Next Steps

Future Growth

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

31.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Galada Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Galada Finance performed over the past 5 years?

-69.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 538881 is currently unprofitable.

Growing Profit Margin: 538881 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 538881 is unprofitable, and losses have increased over the past 5 years at a rate of 69.9% per year.

Accelerating Growth: Unable to compare 538881's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 538881 is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-3.4%).


Return on Equity

High ROE: 538881 has a negative Return on Equity (-13.81%), as it is currently unprofitable.


Next Steps

Financial Health

How is Galada Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 538881's short term assets (₹62.6M) exceed its short term liabilities (₹3.6M).

Long Term Liabilities: 538881's short term assets (₹62.6M) exceed its long term liabilities (₹23.0M).


Debt to Equity History and Analysis

Debt Level: 538881's debt to equity ratio (52.3%) is considered high.

Reducing Debt: 538881's debt to equity ratio has increased from 40.4% to 52.3% over the past 5 years.

Debt Coverage: 538881's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 538881's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 538881's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 538881's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 538881's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 538881's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 538881 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 538881's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

24.3yrs

Average board tenure


CEO

Jawarilal Ashok Galada (68 yo)

no data

Tenure

₹1,000,000

Compensation

Mr. Jawarilal 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 ha ...


CEO Compensation Analysis

Compensation vs Market: Jawarilal Ashok's total compensation ($USD13.40K) is below average for companies of similar size in the Indian market ($USD49.39K).

Compensation vs Earnings: Jawarilal Ashok's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Jawarilal Ashok Galada
CEO, MD & Whole Time Directorno data₹1.00m18.89%
₹ 5.3m
Ponniah Bhaskaran
Independent Chairmanno data₹10.00k0.063%
₹ 17.9k
Kunjithapatham Ramu
Independent Non-Executive Director24.33yrs₹10.00kno data
Indira Royakottam
Non Executive Independent Director6.58yrs₹4.00kno data
Naveen Galada
Non Executive Directorno datano data6.76%
₹ 1.9m

24.3yrs

Average Tenure

65yo

Average Age

Experienced Board: 538881's board of directors are seasoned and experienced ( 24.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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: ₹28.320m
  • 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 in India. It offers new and used vehicle loans, construction equip ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/12 12:49
End of Day Share Price2020/07/30 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


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.