Stock Performance and Market Context
On 27 Nov 2025, Goenka Business & Finance’s stock price touched Rs.8, its lowest level in the past year. This represents a notable underperformance compared to its sector and the broader market. The stock declined by 9.30% on the day, underperforming the Non Banking Financial Company (NBFC) sector by approximately 9.67%. Meanwhile, the Sensex opened higher at 85,745.05 points, gaining 0.16% and trading close to its 52-week high of 85,801.70, supported by strong performances from mega-cap stocks.
Goenka Business & Finance is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating sustained downward momentum. In contrast, the Sensex is trading above its 50-day moving average, which itself is positioned above the 200-day moving average, signalling a bullish market environment overall.
Financial Metrics Reflecting Challenges
The company’s financial data over the past year reveals several areas of concern. Goenka Business & Finance’s stock has generated a return of -23.81% over the last 12 months, while the Sensex has recorded a positive return of 6.84% during the same period. The stock’s 52-week high was Rs.21.91, underscoring the extent of the decline to the current low.
Long-term financial indicators show subdued performance. The average Return on Equity (ROE) stands at 3.61%, reflecting limited profitability relative to shareholder equity. Net sales have contracted at an annual rate of -8.51%, indicating a shrinking revenue base over time.
Recent quarterly results have been negative for four consecutive quarters. The Profit Before Tax excluding Other Income (PBT LESS OI) for the latest quarter was reported at Rs.-2.60 crores, a decline of 223.0% compared to the previous four-quarter average. Similarly, the Profit After Tax (PAT) for the quarter was Rs.-1.97 crores, falling by 2526.7% relative to the prior four-quarter average. Net sales for the latest six months totalled Rs.39.26 crores, reflecting a contraction of 22.97%.
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Valuation and Comparative Analysis
Goenka Business & Finance’s valuation metrics indicate a Price to Book Value ratio of 0.4, which is considered low and suggests the stock is trading at a discount relative to its book value. However, this valuation is in line with the average historical valuations of its peers within the NBFC sector.
The company’s ROE for the latest period is reported at -9.9%, signalling losses relative to equity. Profitability has declined sharply, with profits falling by 219.6% over the past year. This underperformance extends beyond the short term, as the stock has lagged the BSE500 index over the last three years, one year, and three months.
Shareholding Pattern and Market Position
The majority of Goenka Business & Finance’s shares are held by non-institutional investors. This ownership structure may influence liquidity and trading dynamics but does not provide immediate insight into the company’s operational or financial outlook.
Despite the broader market’s positive momentum, led by mega-cap stocks and a Sensex that has risen 3.01% over the past three weeks, Goenka Business & Finance’s stock continues to face downward pressure. The divergence between the company’s stock performance and the overall market trend highlights specific challenges faced by the firm within the NBFC sector.
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Summary of Recent Trends
Goenka Business & Finance’s stock has experienced a sustained decline over the past year, culminating in the recent 52-week low of Rs.8. This decline is accompanied by negative quarterly earnings, shrinking net sales, and a low return on equity. The stock’s valuation remains modest relative to book value but reflects the company’s subdued financial performance.
While the broader market and NBFC sector have shown resilience and growth, Goenka Business & Finance’s share price trajectory diverges, underscoring the specific financial pressures it faces. The stock’s position below all major moving averages further emphasises the current bearish trend.
Market Outlook and Considerations
Investors analysing Goenka Business & Finance will note the contrast between the company’s financial indicators and the overall market environment. The Sensex’s proximity to its 52-week high and its bullish moving averages reflect a generally positive market sentiment, which has not been mirrored in this stock’s performance.
Given the company’s recent financial results and valuation metrics, the stock’s current price level at Rs.8 represents a significant low point within the last year. This level may serve as a reference for future assessments of the company’s market standing and financial health.
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