Galada Finance Ltd
Fundamental Score
Galada Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of GALADAFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (51.27%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (75.00%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (67.57%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Excellent EPS Growth (18.66% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (18.66% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Balanced Promoter Holding (63.93%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
10 factors identified
Below-Average Return on Equity (4.42%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.64%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 1.56)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.47x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-4.37 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Galada Finance Ltd
About GALADAFIN
Business Overview
Galada Finance Limited, a non-banking financial company, engages in the lending business in India. The company offers new vehicle loans, used vehicle loans, and other asset financing services, as well as insurance solutions. It serves retail, SME, and commercial customers. The company was incorporated in 1986 and is based in Chennai, India.
Company Details
Key Leadership
GALADAFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Galada Finance Ltd (GALADAFIN)?
As of 11 Feb 2026, 05:16 am IST, Galada Finance Ltd (GALADAFIN) is currently trading at ₹32.00. The stock has a market capitalization of ₹8.99 (Cr).
Is GALADAFIN share price Overvalued or Undervalued?
GALADAFIN is currently trading at a P/E ratio of 31.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Galada Finance Ltd share price?
Key factors influencing GALADAFIN's price include its quarterly earnings growth (Sales Growth: 67.57%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Galada Finance Ltd a good stock for long-term investment?
Galada Finance Ltd shows a 5-year Profit Growth of 18.66% and an ROE of 4.42%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.56 before investing.
How does Galada Finance Ltd compare with its industry peers?
Galada Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare GALADAFIN's P/E of 31.00x and ROE of 4.42% against the industry averages to determine its competitive standing.
What is the P/E ratio of GALADAFIN and what does it mean?
GALADAFIN has a P/E ratio of 31.00x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹31 for every ₹1 of annual earnings.
How is GALADAFIN performing according to Bull Run's analysis?
GALADAFIN has a Bull Run fundamental score of 49.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does GALADAFIN belong to?
GALADAFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Galada Finance Ltd.
What is Return on Equity (ROE) and why is it important for GALADAFIN?
GALADAFIN has an ROE of 4.42%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Galada Finance Ltd generates profits from shareholders' equity.
How is GALADAFIN's debt-to-equity ratio and what does it indicate?
GALADAFIN has a debt-to-equity ratio of 1.56, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is GALADAFIN's dividend yield and is it a good dividend stock?
GALADAFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has GALADAFIN grown over the past 5 years?
GALADAFIN has achieved 5-year growth rates of: Sales Growth 11.34%, Profit Growth 18.66%, and EPS Growth 18.66%.
What is the promoter holding in GALADAFIN and why does it matter?
Promoters hold 63.93% of GALADAFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is GALADAFIN's market capitalization category?
GALADAFIN has a market capitalization of ₹9 crores, placing it in the Small-cap category.
How volatile is GALADAFIN stock?
GALADAFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for GALADAFIN?
GALADAFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is GALADAFIN's operating profit margin trend?
GALADAFIN has a 5-year average Operating Profit Margin (OPM) of 51.27%, indicating the company's operational efficiency.
How is GALADAFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 67.57% and YoY Profit Growth of 75.00%.
What is the institutional holding pattern in GALADAFIN?
GALADAFIN has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.