Galada Finance

What does Galada Finance do?

Galada Finance Ltd is a Non-Banking Financial Company (NBFC) focused on asset financing, particularly for automobiles and equipment. Established in 1986 and registered with the RBI, it reported net sales of 1 Cr and a net profit of 0 Cr for March 2025, with a market cap of Rs 7 Cr.

Overview: <BR>Galada Finance Ltd is a fast-growing Non Banking Financial Company (NBFC) engaged in asset financing, including automobile and equipment financing.<BR><BR>History: <BR>Galada Finance Ltd was incorporated on 25th March, 1986. It has been operational for four decades and is currently registered with the RBI. The latest quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 1 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 7 Cr (Micro Cap) <BR><BR>Key Metrics: <BR>P/E: 7.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.67 <BR>Return on Equity: 4.72% <BR>Price to Book: 1.37 <BR><BR>Contact Details: <BR>Address: Shanti Sadan old 4 New No 7, Shaffee Mohammed Rd Thousand L Chennai Tamil Nadu : 600006 <BR>Tel: 91-044-28294830/43099009/28294831 <BR>Email: galadafinancelimited@yahoo.co.in <BR>Website: http://www.galadafinance.in

Who are in the management team of Galada Finance?

As of March 2023, the management team of Galada Finance includes P Bhaskaran (Chairman), J Ashok Galada (Director), Naveen Galada (Managing Director), R S Indira (Independent Director), Divya (Company Secretary), and Ramu Vishnu (Independent Director). Each member contributes to the company's governance and management.

As of March 2023, the management team of Galada Finance includes the following individuals:<BR><BR>1. P Bhaskaran - Chairman & Independent Director<BR>2. J Ashok Galada - Director<BR>3. Naveen Galada - Managing Director<BR>4. R S Indira - Independent Director<BR>5. Divya - Company Secretary & Compliance Officer<BR>6. Ramu Vishnu - Independent Director<BR><BR>Each member plays a crucial role in the governance and management of the company.

Has Galada Finance declared dividend?

No Dividend History Available

Who are the peers of the Galada Finance?

Galada Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Delta Industrial, Goyal Associates, Atharv Enter, and Kuber Udyog. In terms of management risk, Galada Finance is rated below average, with a 1-year return of 47.56%, higher than Delta Industrial but lower than Atharv Enter's 66.24%.

Peers: The peers of Galada Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Delta Industrial, Goyal Associates, Atharv Enter, and Kuber Udyog.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, Goyal Associates, and the rest. Good management risk is noted at Shriram Finance, while Below Average management risk is seen at Delta Industrial, Galada Finance, Atharv Enter. For Growth, Excellent growth is noted at Jio Financial, while Good growth is observed at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and the rest. Average growth is seen at Galada Finance and Muthoot Finance, while Below Average growth is noted at Delta Industrial, Goyal Associates, Atharv Enter. In terms of Capital Structure, Excellent capital structure is found at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Delta Industrial, Goyal Associates, and Galada Finance, while Good capital structure is observed at Cholaman.Inv.&Fn, and Below Average capital structure is noted at Atharv Enter and Kuber Udyog.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Atharv Enter at 66.24%, while the lowest is Delta Industrial at -79.45%. Galada Finance's 1-year return is 47.56%, which is significantly higher than Delta Industrial but lower than Atharv Enter. Additionally, Delta Industrial and Goyal Associates have negative six-month returns.

What is the technical trend for Galada Finance?

As of May 30, 2025, Galada Finance shows a mildly bullish trend overall, supported by monthly indicators, despite mixed signals from weekly metrics indicating some bearishness.

As of 30 May 2025, the technical trend for Galada Finance has changed from bullish to mildly bullish. The weekly MACD indicates a mildly bearish stance, while the monthly MACD remains bullish, suggesting mixed signals across time frames. The weekly RSI is bearish, but the monthly RSI shows no signal, indicating potential indecision. Bollinger Bands are mildly bullish on both weekly and monthly charts, supporting a slight upward bias. Daily moving averages are also mildly bullish, reinforcing the short-term positive outlook. However, the Dow Theory shows a mildly bearish trend on the weekly chart, contrasting with a mildly bullish monthly perspective. Overall, the current stance is mildly bullish, driven primarily by the monthly MACD and Bollinger Bands, despite some bearish indicators on the weekly charts.

Who are the top shareholders of the Galada Finance?

The top shareholders of Galada Finance include promoter Naveen Galada with 12.69%, followed by Prithvi Exchange (India) Limited at 2.82%. Individual investors own 28.49%, and there are currently no mutual funds or foreign institutional investors holding shares.

The top shareholders of Galada Finance are primarily the promoters, with Naveen Galada holding the largest share at 12.69%. In addition to the promoters, the highest public shareholder is Prithvi Exchange (India) Limited, which holds 2.82%. Individual investors collectively own 28.49% of the company. Notably, there are no mutual funds or foreign institutional investors (FIIs) holding shares in Galada Finance at this time.

How big is Galada Finance?

As of 24th July, Galada Finance Ltd has a market capitalization of 7.00 Cr, with Net Sales of 1.66 Cr and a Net Profit of 0.25 Cr over the latest four quarters. The company has Shareholder's Funds of 5.78 Cr and Total Assets of 12.50 Cr as of March 2025.

As of 24th July, Galada Finance Ltd has a market capitalization of 7.00 Cr, which categorizes it as a Micro Cap company.<BR><BR>In the latest four quarters, Galada Finance reported Net Sales of 1.66 Cr and a Net Profit of 0.25 Cr.<BR><BR>For the reporting period of March 2025, the company has Shareholder's Funds amounting to 5.78 Cr and Total Assets of 12.50 Cr.

When is the next results date for Galada Finance?

The next results date for Galada Finance is August 9, 2025.

The next results date for Galada Finance is scheduled for August 9, 2025.

How has been the historical performance of Galada Finance?

Galada Finance has shown a positive growth trajectory, with net sales and total operating income increasing from 0.91 Cr in Mar'23 to 1.65 Cr in Mar'25, alongside improvements in profits. However, cash flow from operating activities remains negative at -2.00 Cr in Mar'25, indicating ongoing challenges in cash generation.

Answer:<BR>The historical performance of Galada Finance shows a fluctuating trend in its financial metrics over the years, with a notable improvement in recent periods.<BR><BR>Breakdown:<BR>Galada Finance's net sales have increased from 0.91 Cr in Mar'23 to 1.65 Cr in Mar'25, indicating a positive growth trajectory. Total operating income followed a similar pattern, rising to 1.65 Cr in Mar'25 from 0.91 Cr in Mar'23. The company has managed to maintain its total expenditure below 1.24 Cr in Mar'22, with a slight increase to 1.17 Cr in Mar'25. Operating profit, excluding other income, has improved significantly, reaching 0.48 Cr in Mar'25, consistent with the previous year, compared to just 0.08 Cr in Mar'23. Profit before tax also showed a positive trend, increasing to 0.30 Cr in Mar'25 from 0.06 Cr in Mar'23, while profit after tax rose to 0.25 Cr in Mar'25 from 0.02 Cr in Mar'23. The earnings per share (EPS) improved to 0.83 in Mar'25 from 0.07 in Mar'23. On the balance sheet, total liabilities increased to 12.50 Cr in Mar'25 from 6.78 Cr in Mar'23, primarily driven by a rise in short-term borrowings. Total assets also grew to 12.50 Cr in Mar'25 from 6.78 Cr in Mar'23, reflecting the company's expansion. However, cash flow from operating activities remained negative at -2.00 Cr in Mar'25, indicating challenges in cash generation despite the overall growth in sales and profits.

Is Galada Finance overvalued or undervalued?

As of December 3, 2025, Galada Finance is fairly valued with a PE Ratio of 30.72, an EV to EBIT of 15.30, and a Price to Book Value of 1.51, outperforming the Sensex with a 65.64% return over the past year.

As of 3 December 2025, Galada Finance has moved from an expensive to a fair valuation grade. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 30.72, an EV to EBIT of 15.30, and a Price to Book Value of 1.51. <BR><BR>In comparison to its peers, Galada Finance's PE Ratio is lower than Bajaj Finance's 34.68, which is classified as very expensive, but higher than Life Insurance's attractive PE of 10.75. Additionally, Galada Finance's EV to EBITDA of 13.18 is more favorable than Bajaj Finserv's 13.2, which is also considered expensive. Notably, Galada Finance has outperformed the Sensex over the past year with a return of 65.64% compared to the Sensex's 5.27%, reinforcing its valuation story.

Why is Galada Finance Ltd falling/rising?

As of 30-Jan, Galada Finance Ltd's stock price is rising to 32.97, reflecting a 1.17% increase after a trend reversal. Despite recent declines in performance and decreased investor participation, the stock has shown significant long-term growth.

As of 30-Jan, Galada Finance Ltd's stock price is rising, currently at 32.97, reflecting a change of 0.38 or 1.17% increase. This upward movement comes after a trend reversal, as the stock has gained following two consecutive days of decline. Additionally, it has outperformed its sector by 1.82% today. <BR><BR>Despite a slight decline in performance over the past week and month, where the stock fell by 0.69% and 0.09% respectively, it has shown significant growth over the longer term, with a 50.69% increase over the past year and an impressive 223.24% rise over the past five years. <BR><BR>However, it is important to note that there has been a decrease in investor participation, with delivery volume on 29 January falling by 89.01% compared to the five-day average. This decline in participation could indicate a potential concern for future price movements. Nonetheless, the current price increase suggests a positive sentiment in the short term, despite the mixed performance indicators.

Which are the latest news on Galada Finance?

Are Galada Finance Ltd latest results good or bad?

Galada Finance Ltd's latest results show strong growth in net sales and profit, but concerns about low revenue figures, poor return on equity, high debt levels, and lack of institutional interest suggest caution for investors. Overall, while growth is promising, underlying challenges may overshadow the positive metrics.

Galada Finance Ltd's latest results present a mixed picture. On one hand, the company has shown impressive growth metrics for Q3 FY26, with net sales increasing by 84.21% year-on-year and net profit rising by an astonishing 233.33% compared to the same quarter last year. Additionally, the operating margin improved to 62.86%, reflecting better cost management as revenues increased.<BR><BR>However, despite these positive trends, there are significant concerns. The absolute figures remain quite small, with quarterly revenues under ₹1 crore, which is minimal for a company that has been operating for four decades. The return on equity (ROE) is also troubling, at just 4.92%, which is well below industry standards. This indicates inefficiencies in capital deployment, raising questions about the company's long-term viability and attractiveness to institutional investors.<BR><BR>Moreover, Galada Finance has a high debt-to-equity ratio of 1.56, suggesting elevated leverage, and the stock is considered expensive with a P/E ratio significantly higher than its peers. The lack of institutional interest further complicates the outlook, as it reflects skepticism about the company's growth potential and financial health.<BR><BR>In summary, while Galada Finance Ltd has demonstrated strong revenue and profit growth recently, the underlying structural challenges and low capital efficiency suggest that the overall results may not be as favorable as they appear at first glance. Investors should approach with caution, considering both the growth momentum and the fundamental weaknesses.

Should I buy, sell or hold Galada Finance Ltd?