Overview

Detailed Summary

Goenka Business & Finance Limited is a non-banking financial company focused on providing secured and unsecured loans and investment services.
The company caters specifically to liquidity needs in the capital market, offering services in secured lending and derivatives.
It has expanded significantly in Gujarat, with a growing business in auto loans, personal loans, and margin trading funding.
Goenka Business & Finance Limited is registered with the RBI and has been actively involved in investment and lending since its inception in 1987.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 14 Cr
Volatility: High Risk
P/E Ratio: 3.0
Industry P/E: 18.8
PEG Ratio: -0.0
P/B Ratio: 0.4
52W High: 12.89
52W Low: 6.06

Sales CAGR

1Y: -9.13%
3Y: -62.48%
5Y: 5.51%
10Y: 47.33%

Profit CAGR

1Y: -126.48%
3Y: —
5Y: —
10Y: —

ROE

TTM: 12.80%
3Y: 1.91%
5Y: 1.87%
10Y: -0.01%

ROCE

TTM: 71.47%
3Y: 44.53%
5Y: 51.74%
10Y: 27.34%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
JJFINCOR		48.56	14 Cr	-342.25	1.41	0.00	-0.44	0.32	-0.41
EPUJA		1.21	14 Cr	-1.31	0.83	0.00	-63.96	-62.18	-59.51
HBLEAS		10.53	14 Cr	-50.15	2.49	0.00	-5.05	-5.03	-4.40
GUJINV		17.97	14 Cr	192.86	1.31	0.00	0.76	1.61	0.46
GBFL		10.20	13 Cr	2.88	0.37	0.00	12.80	71.47	1.16
DFL		37.84	13 Cr	-331.00	1.06	0.00	-0.27	0.09	-0.29
NEIL		6.55	13 Cr	8.60	0.21	0.00	2.47	4.39	2.26
Median: 7 Co.	—	10.53	14 Cr	-1.31	1.06	0.00	-0.27	0.32	-0.29

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	20	18	12	39	9.71	14	7.85	31	82	36
Expenses	15	12	9.88	34	7.04	10	4.00	29	73	24
Interest	3.04	4.18	3.14	3.36	3.62	6.79	4.29	5.10	5.73	6.39
Financing Profit	1.66	1.66	-0.78	0.93	-0.95	-2.72	-0.44	-2.61	3.44	5.78
Financing Margin %	8.35	9.08	-6.37	2.40	-9.78	-18.97	-5.61	-8.31	4.20	16.00
Other Income	0.00	0.00	0.00	0.00	0.02	3.09	0.01	0.23	-0.01	0.00
Depreciation	0.00	0.00	0.00	0.01	0.01	0.01	0.00	0.00	0.00	0.00
Profit Before Tax	1.66	1.67	-0.78	0.92	-0.94	0.35	-0.43	-2.37	3.44	5.78
Tax %	25.90	40.12	28.21	27.17	23.40	71.43	20.93	17.30	22.38	26.47
Net Profit	1.23	1.00	-0.57	0.66	-0.72	0.10	-0.34	-1.97	2.67	4.25
EPS in Rs	0.98	0.79	-0.39	0.52	-0.42	0.07	0.15	-1.44	2.07	2.90
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.92	6.73	5.32	57	186	1,420	249	86	75	71
Expenses	1.77	7.31	6.41	49	167	1,404	239	71	62	56
Interest	0.00	0.06	0.01	11	19	16	9.86	11	17	18
Financing Profit	0.15	-0.64	-1.09	-1.95	0.19	0.96	0.08	3.41	-3.57	-3.18
Financing Margin %	8.04	-9.46	-20.52	-3.40	0.10	0.07	0.03	3.96	-4.76	-4.50
Other Income	0.00	0.00	0.24	0.01	0.00	0.00	0.00	0.00	3.08	NaN
Depreciation	0.05	0.04	0.02	0.01	0.02	0.02	0.02	0.02	0.02	0.03
Profit Before Tax	0.11	-0.67	-0.87	-1.96	0.18	0.94	0.05	3.39	-0.51	-0.10
Tax %	430.43	—	-6,242.04	352.03	-65.08	274.93	-56.32	283.47	-663.14	-200.00
Net Profit	0.08	-0.67	-0.88	-1.40	0.44	0.60	0.14	2.19	-0.58	-0.30
EPS in Rs	0.07	-0.52	-1.67	-1.11	0.47	0.49	0.12	1.79	-0.22	3.68
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	13	13	13	13	13	13	13	13	13	13
Reserves	18	18	17	16	15	15	16	16	18	18
Borrowings	0.00	0.00	11	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	0.15	1.80	1.44	6.21	149	184	109	94	160	168
Total Liabilities	31	33	42	36	177	212	138	123	192	199
Fixed Assets	0.10	0.07	0.06	0.04	0.03	0.07	0.07	0.05	0.03	0.04
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.10	0.10	0.10	2.17	2.50	2.75	5.57	12
Other Assets	31	33	42	35	177	210	135	121	186	187
Total Assets	31	33	42	36	177	212	138	123	192	199

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-3.09	-3.04	1.80	-1.58	7.76	2.42	-9.69	7.10	-5.52	-1.31
Cash from Investing Activity	3.40	2.68	0.02	0.00	-0.00	-0.06	-0.02	-0.01	-0.00	-0.03
Cash from Financing Activity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Cash Flow	0.31	-0.36	1.82	-1.58	7.76	2.37	-9.71	7.10	-5.52	-1.35

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%	14.91%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%	85.09%
Total Shareholders	9,069	9,069	9,237	9,833	10,018	10,938	14,450	14,929	14,769	14,658	14,561	14,273

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Frequently Asked Questions about Goenka Business & Finance Ltd

Goenka Business & Finance Ltd (GBFL) is currently trading at 10.55 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Goenka Business & Finance Limited is a non-banking financial company focused on providing secured and unsecured loans and investment services. The company caters specifically to liquidity needs in the capital market, offering services in secured lending and derivatives. It has expanded significantly in Gujarat, with a growing business in auto loans, personal loans, and margin trading funding. Goenka Business & Finance Limited is registered with the RBI and has been actively involved in investment and lending since its inception in 1987.

Over the past 52 weeks, Goenka Business & Finance Ltd has traded between a low of ₹6.06 and a high of ₹12.89. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Goenka Business & Finance Ltd has a market capitalization of approximately 13.26. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Goenka Business & Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 2.88 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 13.26 Cr, Goenka Business & Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Goenka Business & Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Goenka Business & Finance Ltd is 2.88. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Goenka Business Finance Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

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Frequently Asked Questions about Goenka Business & Finance Ltd

What is Goenka Business & Finance Ltd share price today?

What does Goenka Business & Finance Ltd do?

What is the 52-week high and low of Goenka Business & Finance Ltd?

What is the market capitalization of Goenka Business & Finance Ltd?

Should I consider investing in Goenka Business & Finance Ltd stock?

Is Goenka Business & Finance Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Goenka Business & Finance Ltd belong to and why does it matter?

What is the PE ratio of Goenka Business & Finance Ltd?

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