Gilada Finance

Why is Gilada Finance & Investments Ltd falling/rising?

As of 03-Sep, Gilada Finance & Investments Ltd's stock price is at 12.25, reflecting a decline of 0.65%. The stock has underperformed against the Sensex over various periods, trading below its moving averages and showing a year-to-date decline of 7.55%.

As of 03-Sep, Gilada Finance & Investments Ltd's stock price is falling, currently at 12.25, which reflects a decrease of 0.08 or 0.65%. This decline is evident in the stock's performance over various periods, where it has underperformed compared to the benchmark Sensex. Over the past week, the stock has dropped by 1.29%, while the Sensex fell by only 1.01%. In the last month, the stock has seen a significant decline of 8.79%, compared to a 3.16% drop in the Sensex.<BR><BR>Additionally, the stock is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Despite a rise in investor participation, with a delivery volume increase of 19.47% on September 2, the overall market sentiment remains negative. The stock's year-to-date performance shows a decline of 7.55%, although it has performed better over the past year with a gain of 4.70%. However, the longer-term outlook is less favorable, with a 3-year return of 7.83% compared to the Sensex's 16.46% increase. Overall, these factors contribute to the current downward movement in Gilada Finance & Investments Ltd's stock price.

Which are the latest news on Gilada Finance?

Should I buy, sell or hold Gilada Finance & Investments Ltd?

Who are in the management team of Gilada Finance?

The management team of Gilada Finance includes Rajgopal Gilada (Managing Director), Sampatkumar Shankarlal Gilada (Whole-time Director), and several non-executive and independent directors, along with company secretaries Iswariya Rajan and Mohita Agrawal.

The management team of Gilada Finance includes the following individuals:<BR><BR>1. **Rajgopal Gilada** - Managing Director<BR>2. **Sampatkumar Shankarlal Gilada** - Whole-time Director<BR>3. **Bindu Gilada** - Non-Executive & Non-Independent Director<BR>4. **Kothakote Venkobarao Prabhakar** - Non-Executive & Independent Director<BR>5. **Shivaswamy Srikantiah** - Non-Executive & Independent Director<BR>6. **Iswariya Rajan** - Company Secretary<BR>7. **Dodballapur Narasimhamurthy Gopal** - Additional Director<BR>8. **Om Prakash Asava** - Additional Director<BR>9. **Mohita Agrawal** - Company Secretary & Compliance Officer<BR><BR>If you have any more questions about Gilada Finance or its management, feel free to ask!

What does Gilada Finance do?

Gilada Finance & Investments Ltd is a micro-cap NBFC focused on lending activities like vehicle financing and small business loans. As of June 2026, it reported net sales of 2 Cr and a market cap of INR 18 Cr.

Overview:<BR>Gilada Finance & Investments Ltd is a micro-cap company operating in the Non-Banking Financial Company (NBFC) sector, primarily engaged in lending activities such as vehicle financing, small business loans, and mortgage loans.<BR><BR>History:<BR>Incorporated in 1994, Gilada Finance & Investments Ltd was initially promoted by Late Mr. Shankarlal Gilada. The company is currently managed by Mr. Rajgopal Gilada, Managing Director. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 2 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 18 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 9.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.40 <BR>Return on Equity: 7.95% <BR>Price to Book: 0.69 <BR><BR>Contact Details:<BR>Address: 105 R R Takt Sanjaynagar, 37 Bhoopsandra Main Road Bangalore Karnataka : 560094 <BR>Tel: 91-80-40620000 <BR>Email: p.banerjee@giladagroup.com/cs@gilad <BR>Website: http://www.gfil.co.in

Who are the peers of the Gilada Finance?

Gilada Finance's peers include Kuber Udyog, Mid East Port, Prism Finance, Kapil Raj Financ, Dynamic Portfol, Trio Merc. Trad., Market Creators, and SRG Fingrow Fin. While all peers have an excellent capital structure, Gilada Finance has an average management risk and a 1-year return of 5.03%, lower than Trio Merc. Trad.'s 257.58% but higher than Kapil Raj Financ's -71.01%.

Peers: The peers of Gilada Finance are Kuber Udyog, Mid East Port., Prism Finance, Kapil Raj Financ, Dynamic Portfol, Trio Merc. Trad., Market Creators, and SRG Fingrow Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Kuber Udyog, Mid East Port., Prism Finance, Gilada Finance, Kapil Raj Financ, Dynamic Portfol, Trio Merc. Trad., Market Creators, and SRG Fingrow Fin, while Average management risk is found at Prism Finance and Gilada Finance. Below Average management risk is noted for Kuber Udyog, Mid East Port., Kapil Raj Financ, Dynamic Portfol, Trio Merc. Trad., Market Creators, and SRG Fingrow Fin. Growth is Average at Kuber Udyog, Mid East Port., and Gilada Finance, while Below Average growth is seen at Prism Finance, Kapil Raj Financ, Dynamic Portfol, Trio Merc. Trad., Market Creators, and SRG Fingrow Fin. All peers have an Excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Trio Merc. Trad. at 257.58%, while the lowest is Kapil Raj Financ at -71.01%. Gilada Finance's own 1-year return is 5.03%, which is significantly higher than Kapil Raj Financ but lower than Trio Merc. Trad. Additionally, Dynamic Portfol has a negative six-month return of -46.20%.

How big is Gilada Finance?

As of 31st August, Gilada Finance & Investments Ltd has a market capitalization of 18.00 Cr, with recent Net Sales of 7.30 Cr and a Net Profit of 2.08 Cr. Shareholder's Funds are 24.00 Cr and Total Assets are valued at 34.61 Cr as of March 2025.

As of 31st August, Gilada Finance & Investments Ltd has a market capitalization of 18.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 7.30 Cr and a Net Profit of 2.08 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 24.00 Cr and Total Assets valued at 34.61 Cr.

When is the next results date for Gilada Finance & Investments Ltd?

The next results date for Gilada Finance & Investments Ltd is 10 August 2026.

The next results date for Gilada Finance & Investments Ltd is scheduled for 10 August 2026.

Are Gilada Finance & Investments Ltd latest results good or bad?

Gilada Finance & Investments Ltd's latest results are concerning, showing a 23.33% decline in net profit to ₹0.46 crores and a drop in profit margins due to rising interest expenses, despite a slight year-on-year revenue growth. Overall, the financial performance indicates challenges ahead for the company.

Gilada Finance & Investments Ltd's latest results indicate a challenging performance. In Q4 FY26, the company reported a net profit of ₹0.46 crores, which represents a significant decline of 23.33% compared to the previous quarter. This marks the lowest quarterly earnings since September 2024. <BR><BR>While the company achieved a year-on-year revenue growth of 5.03%, the sequential revenue showed a decline of 1.57%, indicating sluggish loan disbursements. The increase in interest expenses by 53.13% quarter-on-quarter to ₹0.49 crores has heavily impacted profit margins, leading to a drop in the profit after tax (PAT) margin to 24.47%, down from 31.41% in the previous quarter.<BR><BR>On a positive note, the operating margin improved to 60.11%, reflecting better operational efficiency. However, the overall financial performance is overshadowed by the sharp increase in financing costs and the decline in net profit.<BR><BR>In summary, while there are some operational efficiencies, the overall results are concerning due to declining profitability and rising costs, suggesting a challenging environment for the company moving forward.

How has been the historical performance of Gilada Finance?

Gilada Finance has shown consistent growth in net sales and profits from March 2019 to March 2025, with net sales increasing from 3.29 crore to 6.77 crore and profit after tax rising from 0.63 crore to 2.13 crore, despite fluctuations in operating margins and cash flow. Total liabilities and debt have also increased during this period, but cash flow from operating activities turned positive in March 2025.

Answer:<BR>The historical performance of Gilada Finance shows a consistent growth trend in net sales and profits over the years, with significant fluctuations in operating margins and cash flow.<BR><BR>Breakdown:<BR>Gilada Finance's net sales have steadily increased from 3.29 crore in March 2019 to 6.77 crore in March 2025, reflecting a robust growth trajectory. The total operating income followed a similar trend, rising from 3.29 crore in March 2019 to 6.77 crore in March 2025. Operating profit, excluding other income, also improved significantly, reaching 2.62 crore in March 2025, up from 0.80 crore in March 2019. However, the operating profit margin fluctuated, peaking at 43.73% in March 2022 before dropping to 38.7% in March 2025. Profit before tax increased from 0.71 crore in March 2019 to 2.90 crore in March 2025, while profit after tax rose from 0.63 crore to 2.13 crore in the same period. The company's total liabilities increased from 18.77 crore in March 2020 to 34.61 crore in March 2025, with total debt also rising from 0.71 crore to 9.97 crore. Cash flow from operating activities showed a positive trend in March 2025 at 2.00 crore, contrasting with negative cash flows in previous years. Overall, Gilada Finance has demonstrated a strong upward trend in sales and profits, despite some volatility in margins and cash flow.

Who are the top shareholders of the Gilada Finance?

The top shareholders of Gilada Finance include Shankarlal Gilada & Sons Private Limited with 28.85%, individual investors with 37.59%, and the highest public shareholder, Govind Joshi, at 2.14%. There are no mutual funds or foreign institutional investors currently holding shares in the company.

The top shareholders of Gilada Finance primarily include the promoters, with Shankarlal Gilada & Sons Private Limited holding the largest stake at 28.85%. Additionally, individual investors collectively own 37.59% of the company. The highest public shareholder is Govind Joshi, who holds 2.14%. Notably, there are no mutual funds or foreign institutional investors (FIIs) currently holding shares in the company.

Is Gilada Finance overvalued or undervalued?

As of March 18, 2025, Gilada Finance is considered attractive and undervalued with a PE Ratio of 8.30, significantly lower than its peers, and has delivered impressive growth of 352.36% over the past five years, outperforming the Sensex's 142.98%.

As of 18 March 2025, the valuation grade for Gilada Finance has moved from very attractive to attractive. The company is currently assessed as undervalued. Key ratios include a PE Ratio of 8.30, an EV to EBIT of 7.03, and a PEG Ratio of 0.33, all of which suggest that the stock is trading at a discount compared to its earnings growth potential.<BR><BR>In comparison to peers, Gilada Finance's PE Ratio of 8.30 is significantly lower than Life Insurance's fair valuation PE of 12.54 and Bajaj Finance's very expensive PE of 35.01. This indicates that Gilada Finance is positioned favorably within its industry. While the stock has underperformed the Sensex in the short term, it has shown impressive growth over the past five years, returning 352.36% compared to the Sensex's 142.98%.

What is the technical trend for Gilada Finance?

As of June 4, 2025, Gilada Finance shows a bullish trend supported by daily moving averages and KST indicators, though tempered by a bearish weekly RSI and Dow Theory.

As of 4 June 2025, the technical trend for Gilada Finance has changed from mildly bullish to bullish. The daily moving averages indicate a bullish stance, while the weekly MACD is also bullish, supporting the overall positive outlook. However, the weekly RSI is bearish, suggesting some short-term weakness. The Bollinger Bands show a mildly bullish trend on both weekly and monthly time frames. The KST is bullish on both weekly and monthly charts, reinforcing the bullish sentiment. Despite the current bullish trend, the weekly Dow Theory indicates a mildly bearish stance, which could temper enthusiasm. Overall, the current technical stance is bullish with moderate strength, driven primarily by the daily moving averages and KST indicators.

What is the bonus history of the Gilada Finance?

Gilada Finance's latest bonus issue was a 1:1 bonus announced on March 30, 2022, with a record date of March 31, 2022, effectively doubling the shares held by existing shareholders.

Gilada Finance has a notable bonus history, with its latest bonus issue being a 1:1 bonus announced on March 30, 2022. The record date for this bonus was March 31, 2022, which means that shareholders on this date were eligible to receive the bonus shares. This bonus issue effectively doubled the number of shares held by existing shareholders. If you have any more questions about the company or its financial activities, feel free to ask!

Has Gilada Finance declared dividend?

Gilada Finance has declared a 2% dividend, amounting to 0.2 per share, but the dividend yield is 0%. Total returns have varied significantly, with a 5-year price return of 358.91%, despite recent fluctuations.

Gilada Finance has declared a 2% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2%<BR>- Amount per share: 0.2<BR>- Ex-date: 05 Mar 18<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -4.32%, the dividend return was 0%, resulting in a total return of -4.32%.<BR><BR>Over the past year, the price return was 28.51%, the dividend return was 0%, leading to a total return of 28.51%.<BR><BR>In the 2-year period, the price return was 15.46%, the dividend return was 0%, which resulted in a total return of 15.46%.<BR><BR>For the 3-year period, the price return was -25.1%, the dividend return was 0%, culminating in a total return of -25.1%.<BR><BR>In the last 4 years, the price return was 34.79%, the dividend return was 0%, giving a total return of 34.79%.<BR><BR>Over the past 5 years, the price return was 358.91%, the dividend return was 0%, resulting in a total return of 358.91%.<BR><BR>Overall, while Gilada Finance has declared a dividend, the dividend yield remains at 0%, indicating that the dividend has not contributed to returns in recent periods. The total returns show significant variability, with strong performance over the long term despite recent fluctuations.