Goenka Business & Finance
Financial Services
538787 BSE
₹12.03
Close ·
- P/E
- 3.10
Close 4 Nov 2026 ₹12.03 +3.12 +35.0% 1Y
Start ₹8.91
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Standalone · TTM
- Debt to Equity
- 0.00
- EPS (TTM)
- ₹3.88
- Book Value
- ₹27.69
- Market Cap
- —
- P/E (TTM)
- 3.10
- P/B
- 0.43
- ROE
- 13.70%
- Dividend Yield
- 4.17%
- 52W High
- ₹17.68
- 52W Low
- ₹6.06
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
70 Strong
Data confidence 94/100
Category scores
- Quality
- 66
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 90
- Strong
- Cheap vs sector & own history 24% weight
- Growth
- 97
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 35
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 84
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
5- Company is almost debt free.
- Stock is trading at 0.45 times its book value
- Company is expected to give good quarter
- Company has delivered good profit growth of 60.0% CAGR over last 5 years
- Company's median sales growth is 46.0% of last 10 years
Weaknesses
4- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -3.38% over past five years.
- Promoter holding is low: 14.9%
- Company has a low return on equity of 6.53% over last 3 years.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Bullish | 3 | 7 | 9 |
| Oscillators | Bearish | 2 | 7 | 0 |
| Moving Averages | Strong Bullish | 1 | 0 | 9 |
Oscillators
Bearish
Bearish
2
Neutral
7
Bullish
0
Overall
Bullish
Bearish
3
Neutral
7
Bullish
9
Moving Averages
Strong Bullish
Bearish
1
Neutral
0
Bullish
9
Key readings
- RSI (14)
- 50.74
- Neutral
- MACD (12,26,9)
- −0.08
- Bearish
- SMA (50)
- 11.57
- Bullish
- SMA (200)
- 10.21
- Bullish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +54.70% |
|---|---|
| 5Y | −3.33% |
| 3Y | −14.25% |
| 1Y | +101.28% |
| TTM | +146.26% |
Net profit
| 10Y | Zero base |
|---|---|
| 5Y | Zero base |
| 3Y | Zero base |
| 1Y | Turned to profit |
| TTM | Turned to profit |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹2.00 Cr |
|---|---|
| Mar 2018 | ₹7.00 Cr |
| Mar 2019 | ₹5.00 Cr |
| Mar 2020 | ₹57.00 Cr |
| Mar 2021 | ₹186 Cr |
| Mar 2022 | ₹1,420 Cr |
| Mar 2023 | ₹249 Cr |
| Mar 2024 | ₹86.00 Cr |
| Mar 2025 | ₹78.00 Cr |
| Mar 2026 | ₹157 Cr |
Net profit by year
| Mar 2017 | ₹0.00 Cr |
|---|---|
| Mar 2018 | −₹1.00 Cr |
| Mar 2019 | −₹1.00 Cr |
| Mar 2020 | −₹1.00 Cr |
| Mar 2021 | ₹0.00 Cr |
| Mar 2022 | ₹1.00 Cr |
| Mar 2023 | ₹0.00 Cr |
| Mar 2024 | ₹2.00 Cr |
| Mar 2025 | −₹1.00 Cr |
| Mar 2026 | ₹5.00 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.59 | 29.2 | 20.04 | 18.29 | 12.24 | 38.73 | 9.71 | 14.34 | 7.85 | 31.41 | 81.99 | 36.12 | 24.41 |
| Expenses | 17.5 | 26.27 | 15.16 | 12.44 | 9.88 | 34.45 | 7.04 | 10.28 | 4 | 28.91 | 72.81 | 23.95 | 15.56 |
| Financing Profit | −0.35 | 0.41 | 1.84 | 1.67 | −0.78 | 0.92 | −0.95 | −2.73 | −0.44 | −2.6 | 3.45 | 5.78 | 0.32 |
| Fin. Margin % | −1.88% | 1.4% | 9.18% | 9.13% | −6.37% | 2.38% | −9.78% | −19.04% | −5.61% | −8.28% | 4.21% | 16% | 1.31% |
| Other Income | 0.04 | 0.03 | 0 | 0 | 0 | 0 | 0.02 | 3.09 | 0.01 | 0.23 | −0.01 | 0 | 0.11 |
| Interest | 1.44 | 2.52 | 3.04 | 4.18 | 3.14 | 3.36 | 3.62 | 6.79 | 4.29 | 5.1 | 5.73 | 6.39 | 8.53 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0.01 | 0 | 0 | 0 | 0 | 0 |
| PBT | −0.31 | 0.44 | 1.84 | 1.67 | −0.78 | 0.91 | −0.94 | 0.35 | −0.43 | −2.37 | 3.44 | 5.78 | 0.43 |
| Tax % | −29.03% | 40.91% | 26.09% | 40.12% | −28.21% | 28.57% | −23.4% | 74.29% | −20.93% | −17.3% | 22.38% | 26.47% | 74.42% |
| Net Profit | −0.22 | 0.25 | 1.36 | 1 | −0.57 | 0.66 | −0.72 | 0.1 | −0.34 | −1.97 | 2.67 | 4.25 | 0.11 |
| EPS (₹) | −0.17 | 0.19 | 1.05 | 0.77 | −0.44 | 0.51 | −0.55 | 0.08 | −0.26 | −1.52 | 2.05 | 3.27 | 0.08 |
Profit & Loss
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 | 2 | 2 | 7 | 5 | 57 | 186 | 1,420 | 249 | 86 | 78 | 157 | 174 |
| Expenses | 2 | 2 | 2 | 7 | 6 | 49 | 167 | 1,404 | 239 | 71 | 62 | 129 | 141 |
| Financing Profit | 1 | 0 | 0 | −1 | −1 | −2 | 0 | 1 | 0 | 3 | 0 | 6 | 7 |
| Fin. Margin % | 24% | 10% | 8% | −10% | −20% | −3% | 0% | 0% | 0% | 4% | −1% | 4% | 4% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 11 | 19 | 16 | 10 | 11 | 17 | 22 | 26 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 1 | 0 | 0 | −1 | −1 | −2 | 0 | 1 | 0 | 3 | −1 | 6 | 7 |
| Tax % | 32% | 33% | 20% | 0% | 1% | −29% | −159% | 36% | −150% | 35% | 16% | 28% | — |
| Net Profit | 1 | 0 | 0 | −1 | −1 | −1 | 0 | 1 | 0 | 2 | −1 | 5 | 5 |
| EPS (₹) | 0.4 | 0.04 | 0.06 | −0.52 | −0.68 | −1.08 | 0.34 | 0.46 | 0.11 | 1.68 | −0.45 | 3.55 | 3.88 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| Reserves | 18 | 18 | 18 | 17 | 16 | 15 | 15 | 16 | 16 | 18 | 18 | 23 |
| Borrowing | 0 | 0 | 0 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 2 | 1 | 6 | 149 | 184 | 109 | 94 | 160 | 168 | 360 |
| Total Liabilities | 31 | 31 | 33 | 42 | 36 | 177 | 212 | 138 | 123 | 192 | 199 | 396 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 6 | 3 | 0 | 0 | 0 | 0 | 2 | 2 | 3 | 6 | 12 | 18 |
| Other Assets | 25 | 28 | 33 | 42 | 35 | 177 | 210 | 135 | 121 | 186 | 187 | 378 |
| Total Assets | 31 | 31 | 33 | 42 | 36 | 177 | 212 | 138 | 123 | 192 | 199 | 396 |
Cash Flow
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 6 | −3 | −3 | 2 | −2 | 8 | 2 | −10 | 7 | −6 | −1 | 9 |
| Investing | −6 | 3 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −6 |
| Financing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow | −1 | 0 | 0 | 2 | −2 | 8 | 2 | −10 | 7 | −6 | −1 | 3 |
| Free Cash Flow | 6 | −3 | −3 | 2 | −2 | 8 | 2 | −10 | 7 | −6 | −1 | 9 |
| CFO/OP | 724 | −1,295 | −2,027 | −310 | 146 | 90 | 12 | −58 | 71 | −38 | −8 | 33 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2% | 0% | 0% | −2% | −3% | −5% | 2% | 2% | 0% | 7% | −2% | 14% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Goenka Business & Finance insights
46 extracted metrics across FY11–FY27.
Documents
- 14 Aug 2026
- 26 May 2026
- 10 Feb 2026
- 12 Nov 2025
Frequently Asked Questions about Goenka Business & Finance
What does Goenka Business & Finance Ltd do?
Incorporated in 1987, Goenka Business & Finance Ltd is in the business of lending and investments.
Where is Goenka Business & Finance Ltd (GBFL) listed?
Goenka Business & Finance Ltd trades under code 538787 on the BSE.
Which sector does Goenka Business & Finance Ltd belong to?
Goenka Business & Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Goenka Business & Finance Ltd?
Goenka Business & Finance Ltd trades at a PE ratio of 3.10 as of 4 Nov 2026, on earnings per share of ₹3.88, against a book value of ₹27.69 per share.
What is the 52-week high and low of Goenka Business & Finance Ltd?
Over the last 52 weeks Goenka Business & Finance Ltd has traded between ₹6.06 and ₹17.68 as of 4 Nov 2026.
Does Goenka Business & Finance Ltd pay dividends?
Goenka Business & Finance Ltd has a dividend yield of 4.17%.
What is the Return on Equity (ROE) of Goenka Business & Finance Ltd?
Goenka Business & Finance Ltd reported a return on equity of 13.70%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 1987, Goenka Business & Finance Ltd is in the business of lending and investments.
Website goenkabusinessfinancelimited.in
Face Value ₹10
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