Qgo Finance

What does Qgo Finance do?

Qgo Finance Ltd is a Non Banking Financial Company (NBFC) operating in the micro cap market, originally incorporated in 1993 and rebranded in 2018. As of March 2025, it reported net sales of 4 Cr and a net profit of 1 Cr, with a market cap of Rs 36 Cr.

Overview:<BR>Qgo Finance Ltd operates as a Non Banking Financial Company (NBFC) within the micro cap market segment.<BR><BR>History:<BR>Qgo Finance Ltd was originally incorporated as a Private Limited Company in 1993. It transitioned to a Public Limited Company in 1995 under the name "Parnami Credits Limited," which was later changed to Qgo Finance Limited on December 15, 2018. The latest quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 4 Cr (Quarterly Results - Mar 2025)<BR>- Net Profit: 1 Cr (Quarterly Results - Mar 2025)<BR>- Market cap: Rs 36 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 12.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.37%<BR>- Debt Equity: 4.85<BR>- Return on Equity: 16.90%<BR>- Price to Book: 2.05<BR><BR>Contact Details:<BR>Address: 3rd Floor, A-514 TTC Industrial Area Mumbai Maharashtra : 400701<BR>Tel: 91-22-4976 2795<BR>Email: ContactUs@qgofinance.com<BR>Website: http://www.qgofinance.com

Who are the peers of the Qgo Finance?

Qgo Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, and others. Qgo Finance has below average management risk and a 1-year return of -13.48%, higher than Jio Financial but lower than its other peers.

Peers: The peers of Qgo Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Nagreeka Cap., Bridge Securitie, NDA Securities, Sujala Trading, and Bervin Invest.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and the rest. Average management risk is found at Jio Financial, Nagreeka Cap., Bridge Securitie, Bervin Invest., and the rest. Good management risk is noted at Shriram Finance, while Below Average management risk is present at Qgo Finance, NDA Securities, Sujala Trading, and the rest. Growth is excellent at Jio Financial, Qgo Finance, and the rest, while good growth is seen at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and the rest. Average growth is noted at Muthoot Finance, Bridge Securitie, and the rest, while Below Average growth is observed at Nagreeka Cap., Sujala Trading, and the rest. Capital Structure is excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Bridge Securitie, NDA Securities, and the rest, while good capital structure is found at Cholaman.Inv.&Fn, Sujala Trading, and the rest, and Below Average capital structure is noted at Nagreeka Cap. and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bridge Securitie at 266.95%, while the lowest is Jio Financial at -20.22%. Qgo Finance's 1-year return is -13.48%, which is higher than Jio Financial's but lower than all other peers. Additionally, Nagreeka Cap. and Qgo Finance have negative six-month returns.

Is Qgo Finance overvalued or undervalued?

As of May 16, 2025, Qgo Finance is considered an attractive investment due to its undervalued status, with a PE ratio of 11.72, an EV to EBITDA of 8.35, a ROE of 16.90%, and a PEG ratio of 1.09, despite a recent 1-year return of -11.88% compared to the Sensex's 7.64%, while its strong 5-year return of 247.43% highlights its potential.

As of 16 May 2025, Qgo Finance's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued based on its financial metrics. Key ratios include a PE ratio of 11.72, an EV to EBITDA of 8.35, and a ROE of 16.90%. <BR><BR>In comparison to peers, Qgo Finance's PE ratio is lower than Life Insurance's PE of 12.54, while Bajaj Finance is significantly more expensive at a PE of 35.01. Additionally, Qgo Finance's PEG ratio of 1.09 suggests it is reasonably priced relative to its growth rate. Despite recent underperformance against the Sensex, with a 1-year return of -11.88% compared to the Sensex's 7.64%, the company's strong historical performance over 5 years, with a return of 247.43%, reinforces its attractiveness as an investment opportunity.

What is the technical trend for Qgo Finance?

As of May 16, 2025, Qgo Finance's technical trend has shifted to bearish, supported by multiple indicators including a bearish MACD, moving averages, and Bollinger Bands across various time frames.

As of 16 May 2025, the technical trend for Qgo Finance has changed from mildly bearish to bearish. The weekly MACD is bearish, and the daily moving averages confirm a bearish stance. Bollinger Bands are also indicating a bearish trend on both weekly and monthly time frames. The KST shows a bearish signal weekly and mildly bearish monthly, while the Dow Theory reflects a mildly bearish trend on the weekly chart with no trend on the monthly. Overall, the current technical stance is bearish with a moderate strength indicated by the convergence of multiple bearish signals across different indicators.

Who are in the management team of Qgo Finance?

As of March 2023, the management team of Qgo Finance includes Vineet Bakhshi (Chairman & Independent Director), Rachana Abhishek Singi (Executive Director/Managing Director/Promoter), Virendra Jain (Independent Non-Executive Director), Seema Pathak (Non-Executive & Non-Independent Director), and Deepika Nath (Non-Executive Director).

As of March 2023, the management team of Qgo Finance includes the following individuals:<BR><BR>1. Vineet Bakhshi - Chairman & Independent Director<BR>2. Rachana Abhishek Singi - Executive Director / Managing Director / Promoter<BR>3. Virendra Jain - Independent Non-Executive Director<BR>4. Seema Pathak - Non-Executive & Non-Independent Director<BR>5. Deepika Nath - Non-Executive Director

Who are the top shareholders of the Qgo Finance?

The top shareholder of Qgo Finance is Rachana Singi, holding 60.48% of the shares, with no pledged promoter holdings. The highest public shareholder is Venkatesh P Gupta at 2.56%, while individual investors collectively own 29.07%.

The top shareholders of Qgo Finance are primarily the promoters, with Rachana Singi holding the largest share at 60.48%. There are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors (FIIs) involved. The highest public shareholder is Venkatesh P Gupta, who holds 2.56%. Additionally, individual investors collectively hold 29.07% of the shares.

How big is Qgo Finance?

As of 24th July, Qgo Finance Ltd has a market capitalization of 33.00 Cr, with recent net sales of 16.41 Cr and a net profit of 3.06 Cr. The balance sheet for March 2024 shows shareholder's funds of 15.44 Cr and total assets of 95.55 Cr.

As of 24th July, Qgo Finance Ltd has a market capitalization of 33.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Qgo Finance reported Net Sales of 16.41 Cr and a Net Profit of 3.06 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, showing Shareholder's Funds of 15.44 Cr and Total Assets of 95.55 Cr.

How has been the historical performance of Qgo Finance?

Qgo Finance has shown consistent growth in net sales and profit, with net sales increasing from 1.49 Cr in Mar'19 to 16.40 Cr in Mar'25, and profit after tax rising to 3.07 Cr in Mar'25. However, the company faces increasing debt levels, with total liabilities growing from 29.11 Cr in Mar'20 to 106.43 Cr in Mar'25.

Answer:<BR>The historical performance of Qgo Finance shows a consistent growth trend in net sales and profit over the years.<BR><BR>Breakdown:<BR>Qgo Finance has demonstrated significant growth in net sales, increasing from 1.49 Cr in Mar'19 to 16.40 Cr in Mar'25. The total operating income has mirrored this trend, reaching 16.40 Cr in Mar'25, up from 1.49 Cr in Mar'19. The company has also seen a rise in operating profit (PBDIT), which grew from 0.21 Cr in Mar'19 to 4.31 Cr in Mar'25, indicating improved operational efficiency. Despite this, the interest expenses have escalated from 0.31 Cr in Mar'19 to 10.22 Cr in Mar'25, leading to a gross profit (PBDT) that remains negative, at -5.91 Cr in Mar'25. Profit before tax has increased to 4.02 Cr in Mar'25 from 0.19 Cr in Mar'19, while profit after tax reached 3.07 Cr in Mar'25, up from 0.04 Cr in Mar'19. The company's total liabilities have also risen significantly, from 29.11 Cr in Mar'20 to 106.43 Cr in Mar'25, driven by an increase in short-term borrowings. Total assets have grown correspondingly, reaching 106.43 Cr in Mar'25. Cash flow from operating activities has improved, showing a positive 5.00 Cr in Mar'25, compared to a negative cash flow in the previous year. Overall, Qgo Finance's financial performance reflects a trajectory of growth, albeit with increasing debt levels.

How has been the historical performance of Qgo Finance?

Qgo Finance has shown consistent growth, with net sales increasing from 1.49 Cr in Mar'19 to 16.40 Cr in Mar'25, and operating profit rising from 0.21 Cr to 4.31 Cr during the same period. The company has improved profitability, with profit after tax reaching 3.07 Cr in Mar'25, alongside a significant increase in total assets.

Answer:<BR>The historical performance of Qgo Finance shows a consistent growth trajectory in net sales and profits over the years.<BR><BR>Breakdown:<BR>Qgo Finance has demonstrated significant growth in net sales, increasing from 1.49 Cr in Mar'19 to 16.40 Cr in Mar'25. Total operating income has mirrored this upward trend, reaching 16.40 Cr in Mar'25, up from 1.49 Cr in Mar'19. The company has maintained a steady increase in operating profit, which rose from 0.21 Cr in Mar'19 to 4.31 Cr in Mar'25, reflecting an operating profit margin of 26.16% in the latest fiscal year. Profit before tax also saw a notable rise, climbing from 0.19 Cr in Mar'19 to 4.02 Cr in Mar'25, while profit after tax reached 3.07 Cr in Mar'25, up from just 0.04 Cr in Mar'19. The company’s total assets increased significantly from 29.11 Cr in Mar'20 to 106.43 Cr in Mar'25, with total liabilities also rising from 29.11 Cr to 106.43 Cr during the same period. Cash flow from operating activities turned positive in Mar'25 at 5.00 Cr, compared to a negative cash flow in the previous year. Overall, Qgo Finance's financial metrics indicate a robust growth pattern and improving profitability over the years.

When is the next results date for Qgo Finance Ltd?

The next results date for Qgo Finance Ltd is 09 February 2026.

The next results date for Qgo Finance Ltd is scheduled for 09 February 2026.

Are Qgo Finance Ltd latest results good or bad?

Qgo Finance Ltd's latest Q3 FY26 results show record revenue growth of 10.57% year-on-year, but a decline in net profit and profit margins, along with slowing quarter-on-quarter growth, indicate underlying challenges. Overall, the results are more negative than positive, raising concerns about financial stability and operational efficiency.

Qgo Finance Ltd's latest results for Q3 FY26 present a mixed picture. On one hand, the company achieved a record revenue of ₹4.50 crores, reflecting a year-on-year growth of 10.57%. This indicates that the company is managing to generate more sales compared to the same period last year. However, the quarter-on-quarter growth was only 1.12%, a significant slowdown from the previous quarter's growth of 5.70%. This deceleration raises concerns about potential saturation in their core markets or increased competition.<BR><BR>On the profitability front, net profit fell to ₹0.80 crores, down 4.76% from the previous quarter, despite the revenue increase. This decline in profit, coupled with a reduction in the profit after tax (PAT) margin from 18.88% to 17.78%, suggests that the company is facing challenges in maintaining operational efficiency and managing costs, particularly with rising interest expenses.<BR><BR>Overall, while the revenue growth year-on-year is a positive sign, the declining net profit and PAT margin, along with the slowdown in revenue growth, indicate underlying issues that could be concerning for investors. The company's high leverage, with a debt-to-equity ratio of 4.52, further complicates its financial stability. Therefore, the results can be viewed as more negative than positive, reflecting significant challenges that need to be addressed for improved performance moving forward.

Has Qgo Finance Ltd declared dividend?

Qgo Finance Ltd has declared a 1% dividend, amounting to 0.1 per share, with an ex-date of February 20, 2026. While recent returns have been negative, the company has shown significant growth over the long term, particularly a total return of 154.41% over the past 5 years.

Qgo Finance Ltd has declared a 1% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 1%<BR>- Amount per share: 0.1<BR>- Ex-date: 20 Feb 26<BR><BR>Dividend Yield: 1%<BR><BR>Total Returns by Period:<BR>Over the last 3 months, Qgo Finance Ltd experienced a price return of -9.63%, a dividend return of 0.42%, resulting in a total return of -9.21%.<BR><BR>In the 6-month period, the company had a price return of -7.97%, a dividend return of 0.44%, leading to a total return of -7.53%.<BR><BR>For the 1-year period, the price return was -21.43%, with a dividend return of 1.01%, culminating in a total return of -20.42%.<BR><BR>Over 2 years, the price return was -35.82%, the dividend return was 1.04%, resulting in a total return of -34.78%.<BR><BR>In the 3-year period, Qgo Finance Ltd saw a price return of 6.28%, a dividend return of 2.65%, resulting in a total return of 8.93%.<BR><BR>For the 4-year period, the company achieved a price return of 71.54%, a dividend return of 6.25%, leading to a total return of 77.79%.<BR><BR>Finally, over 5 years, the price return was 144.44%, with a dividend return of 9.97%, resulting in a total return of 154.41%.<BR><BR>Overall, Qgo Finance Ltd has declared a dividend, and while recent returns have shown negative trends, the long-term performance indicates significant growth, particularly in the 5-year period.

Should I buy, sell or hold Qgo Finance Ltd?

Why is Qgo Finance Ltd falling/rising?

As of 04-Mar, Qgo Finance Ltd's stock price is declining, currently at 39.99, reflecting a total decline of -4.08% over the last three days. The stock is underperforming against its moving averages and experiencing reduced investor interest, coinciding with a broader downturn in the finance sector.

As of 04-Mar, Qgo Finance Ltd's stock price is falling, currently at 39.99, which reflects a change of -0.71 or -1.74%. The stock has been on a downward trend, having lost value for the last three consecutive days, resulting in a total decline of -4.08% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a weak performance relative to its historical price levels.<BR><BR>Investor participation has also decreased, with a delivery volume of 1.58k on February 27, which is down by -24.88% compared to the 5-day average delivery volume. This decline in trading activity suggests reduced interest from investors. Furthermore, the broader finance sector, represented by the Finance/NBFC index, has fallen by -2.86%, which may be contributing to the negative sentiment surrounding Qgo Finance Ltd.<BR><BR>Overall, the combination of consecutive price declines, underperformance against moving averages, reduced investor participation, and a struggling sector indicates that Qgo Finance Ltd is experiencing a downward trend in its stock price.

Which are the latest news on Qgo Finance?