Goenka Business & Finance Ltd

GBFL

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Market Cap

₹ 10 Cr

P/E

—

Turned 1 L into 3.22 L in last 5 Years

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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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

NBFC-Others

Market Cap

10 Cr

Volatility

Moderate Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

0.4

52W High

21.91

52W Low

7.50

Sales CAGR

-9.13%

-62.48%

5.51%

10Y

47.33%

Profit CAGR

-126.48%

—

10Y

—

ROE

TTM

-9.93%

1.91%

1.87%

10Y

-0.01%

ROCE

TTM

44.67%

44.53%

51.74%

10Y

27.34%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BRIJLEAS	16.01	10 Cr	2.95	1.59	0.00	53.99	22.19	13.19
GBFL	7.91	10 Cr	—	0.35	0.00	-9.93	44.67	-1.19
USHAKIRA	39.91	10 Cr	—	0.58	0.00	-0.47	-0.10	-0.50
SCC	9.96	10 Cr	—	1.01	0.00	-1.63	-1.20	-20.39
HASTIFIN	9.15	10 Cr	—	1.35	0.00	-171.34	-171.17	-157.75
KINETRU	29.47	10 Cr	31.35	2.45	0.00	7.81	6.17	1.15
LYONSCO	20.76	10 Cr	—	0.97	0.00	-0.11	6.01	-0.05

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	19	29	20	18	12	39	9.71	14	7.85	31
Expenses	18	26	15	12	9.88	34	7.04	10	4.00	29
Interest	1.44	2.52	3.04	4.18	3.14	3.36	3.62	6.79	4.29	5.10
Financing Profit	-0.35	0.40	1.66	1.66	-0.78	0.93	-0.95	-2.72	-0.44	-2.61
Financing Margin %	-1.88	1.37	8.35	9.08	-6.37	2.40	-9.78	-18.97	-5.61	-8.31
Other Income	0.04	0.03	0.00	0.00	0.00	0.00	0.02	3.09	0.01	0.23
Depreciation	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.00	0.00
Profit Before Tax	-0.31	0.43	1.66	1.67	-0.78	0.92	-0.94	0.35	-0.43	-2.37
Tax %	29.03	41.86	25.90	40.12	28.21	27.17	23.40	71.43	20.93	17.30
Net Profit	-0.22	0.25	1.23	1.00	-0.57	0.66	-0.72	0.10	-0.34	-1.97
EPS in Rs	-0.17	0.19	0.98	0.79	-0.39	0.52	-0.42	0.07	0.15	-1.44
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	-1.64
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

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
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	8,906	8,932	9,069	9,069	9,237	9,833	10,018	10,938	14,450	14,929	14,769	14,658

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 20, 2024	Rajat kapoor	Bulk	Sell	21.91	0.14 Cr	65,108	0.50
Dec 18, 2024	Bhagwan agarwal	Bulk	Sell	19.88	0.14 Cr	70,200	0.53

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Change in Directors

3 hours ago

Re-appointment of Independent Directors

The Board of Goenka Business & Finance Ltd. has approved the re-appointment of Mr. Darshil Shah and Mr. Nigam Sathwara as Independent Directors for a second term, pending shareholder approval.

Board Meeting Outcome

4 hours ago

Board Meeting Outcome - Reappointments

The Board of Directors has approved the re-appointment of two Non-Executive Independent Directors, effective January 1, 2026, pending shareholder approval via Postal Ballot.

Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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