Gowra Leasing & Finance Ltd

GOWRALE

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Market Cap

₹ 59 Cr

P/E

10.14

Turned 1 L into 5.99 L in last 5 Years

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Investment Checklist

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Gowra Leasing & Finance Limited (GLFL) is a non-banking finance company established on February 9, 1993, providing loans, ICDs, and bill discounting services.

The company primarily earns revenue from interest accrued on leasing and finance activities such as corporate loans, underwriting, and merchant banking.

Despite a small asset size, GLFL maintains a strong bottom line through significant investments in partnership firms, Gowra Bits & Bytes and Sowbhagya Petrochem.

GLFL focuses on creating innovative and tailored financial solutions while implementing rigorous borrower assessment to ensure integrity and minimize credit risk.

Sector

Finance

Industry

NBFC-Others

Market Cap

59 Cr

Volatility

Low Risk

P/E Ratio

10.1

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

1.6

52W High

151.79

52W Low

42.82

Sales CAGR

115.82%

74.65%

40.62%

10Y

20.06%

Profit CAGR

94.12%

78.01%

47.19%

10Y

25.09%

ROE

TTM

16.17%

11.43%

9.67%

10Y

8.07%

ROCE

TTM

16.12%

12.64%

11.25%

10Y

10.04%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
JAFINANCE	58.26	62 Cr	—	3.03	0.00	-0.63	4.91	-0.34
LADDERUP	58.20	62 Cr	45.47	0.80	0.00	1.75	5.73	2.93
CEEJAY	177.95	61 Cr	9.22	0.77	0.67	8.36	10.64	5.29
MTPL	43.00	61 Cr	107.50	1.80	0.00	4.37	9.28	1.50
GOWRALE	108.00	59 Cr	10.14	1.64	0.00	16.17	16.12	9.13
GDLLEAS	116.80	59 Cr	66.36	8.60	0.00	12.97	14.00	10.76
RAMSONS	187.60	56 Cr	7.19	3.02	0.00	42.01	49.61	40.89

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	1.00	0.56	0.61	0.60	0.69	0.88	1.52	2.15	2.62	2.87
Expenses	0.98	0.19	0.18	0.18	0.18	0.26	0.27	0.31	0.22	0.47
Interest	0.00	0.00	0.00	0.00	0.02	0.08	0.31	0.41	0.68	0.81
Financing Profit	0.02	0.37	0.43	0.42	0.49	0.54	0.94	1.43	1.72	1.59
Financing Margin %	2.00	66.07	70.49	70.00	71.01	61.36	61.84	66.51	65.65	55.40
Other Income	1.42	0.24	0.01	0.00	0.04	0.22	1.27	0.91	0.01	0.01
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1.44	0.62	0.43	0.41	0.54	0.76	2.21	2.34	1.73	1.60
Tax %	25.00	19.35	25.58	24.39	25.93	25.00	19.00	34.62	24.86	25.00
Net Profit	1.08	0.50	0.32	0.31	0.40	0.57	1.80	1.53	1.29	1.19
EPS in Rs	1.98	0.92	0.59	0.56	0.74	1.04	2.94	3.84	2.37	2.19
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	1.27	1.01	1.17	1.22	1.43	1.25	1.63	2.77	6.68	7.17
Expenses	1.00	0.60	0.57	0.58	0.82	0.74	0.69	1.52	1.02	1.06
Interest	0.00	0.00	0.01	0.00	0.00	0.03	0.00	0.00	0.81	1.48
Financing Profit	0.27	0.41	0.60	0.63	0.60	0.49	0.94	1.24	4.85	4.63
Financing Margin %	21.34	40.35	51.31	52.11	42.00	39.21	57.50	44.73	72.60	64.57
Other Income	1.11	0.68	0.14	0.14	0.33	0.43	0.60	1.67	1.00	2.41
Depreciation	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1.37	1.08	0.74	0.77	0.92	0.92	1.53	2.90	5.84	7.04
Tax %	298.24	387.16	401.65	511.28	497.52	570.54	306.06	420.16	375.83	26.28
Net Profit	0.91	0.80	0.55	0.62	0.74	0.76	1.03	2.21	4.29	5.19
EPS in Rs	1.67	1.58	1.12	1.14	1.35	1.39	1.89	4.05	8.55	11.34
Dividend Payout %	304.00	266.00	185.00	207.00	246.00	—	—	—	—	—

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	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	5.45
Reserves	8.41	8.96	9.40	9.59	9.91	10	11	12	14	28
Borrowings	0.00	0.00	0.00	0.00	0.00	0.09	0.00	0.00	0.50	21
Other Liabilities	2.85	1.93	1.77	1.71	1.84	1.56	0.36	0.26	0.15	0.31
Total Liabilities	14	14	14	14	15	15	14	15	18	55
Fixed Assets	1.12	1.06	1.15	1.14	0.93	0.72	0.52	0.53	0.53	0.55
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	0.00	0.02	0.02	0.02	0.02	0.07	0.14	0.00
Other Assets	13	13	13	13	14	14	14	15	17	55
Total Assets	14	14	14	14	15	15	14	15	18	55

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	1.47	0.76	2.30	-1.91	0.51	-0.92	-0.11	0.26	-1.16	-33
Cash from Investing Activity	3.23	0.16	-0.10	0.00	0.57	0.39	0.55	-0.01	0.52	0.11
Cash from Financing Activity	-5.41	-0.45	-0.36	-0.36	-0.36	-0.21	-0.39	0.00	0.50	33
Net Cash Flow	-0.71	0.47	1.84	-2.27	0.72	-0.74	0.04	0.25	-0.13	-0.17

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Nov 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	60.68%	60.68%	60.59%	60.72%	60.72%	61.05%	61.05%	60.88%	61.05%	60.88%	60.87%	60.48%
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	39.32%	39.32%	39.41%	39.28%	39.28%	38.95%	38.95%	39.12%	38.95%	39.12%	39.13%	39.52%
Total Shareholders	1,674	1,691	1,755	1,824	1,856	1,865	2,078	2,007	1,962	2,210	2,097	2,277

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Board Meeting Outcome

6 days ago

Board Meeting for Share Allotment on Preferential Basis

Gowra Leasing & Finance Ltd. has scheduled a board meeting on December 16, 2025, to consider the allotment of equity shares on a preferential basis.

Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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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	1.00	0.56	0.61	0.60	0.69	0.88	1.52	2.15	2.62	2.87
Expenses	0.98	0.19	0.18	0.18	0.18	0.26	0.27	0.31	0.22	0.47
Interest	0.00	0.00	0.00	0.00	0.02	0.08	0.31	0.41	0.68	0.81
Financing Profit	0.02	0.37	0.43	0.42	0.49	0.54	0.94	1.43	1.72	1.59
Financing Margin %	2.00	66.07	70.49	70.00	71.01	61.36	61.84	66.51	65.65	55.40
Other Income	1.42	0.24	0.01	0.00	0.04	0.22	1.27	0.91	0.01	0.01
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1.44	0.62	0.43	0.41	0.54	0.76	2.21	2.34	1.73	1.60
Tax %	25.00	19.35	25.58	24.39	25.93	25.00	19.00	34.62	24.86	25.00
Net Profit	1.08	0.50	0.32	0.31	0.40	0.57	1.80	1.53	1.29	1.19
EPS in Rs	1.98	0.92	0.59	0.56	0.74	1.04	2.94	3.84	2.37	2.19
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	1.27	1.01	1.17	1.22	1.43	1.25	1.63	2.77	6.68	7.17
Expenses	1.00	0.60	0.57	0.58	0.82	0.74	0.69	1.52	1.02	1.06
Interest	0.00	0.00	0.01	0.00	0.00	0.03	0.00	0.00	0.81	1.48
Financing Profit	0.27	0.41	0.60	0.63	0.60	0.49	0.94	1.24	4.85	4.63
Financing Margin %	21.34	40.35	51.31	52.11	42.00	39.21	57.50	44.73	72.60	64.57
Other Income	1.11	0.68	0.14	0.14	0.33	0.43	0.60	1.67	1.00	2.41
Depreciation	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1.37	1.08	0.74	0.77	0.92	0.92	1.53	2.90	5.84	7.04
Tax %	298.24	387.16	401.65	511.28	497.52	570.54	306.06	420.16	375.83	26.28
Net Profit	0.91	0.80	0.55	0.62	0.74	0.76	1.03	2.21	4.29	5.19
EPS in Rs	1.67	1.58	1.12	1.14	1.35	1.39	1.89	4.05	8.55	11.34
Dividend Payout %	304.00	266.00	185.00	207.00	246.00	—	—	—	—	—

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	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	5.45
Reserves	8.41	8.96	9.40	9.59	9.91	10	11	12	14	28
Borrowings	0.00	0.00	0.00	0.00	0.00	0.09	0.00	0.00	0.50	21
Other Liabilities	2.85	1.93	1.77	1.71	1.84	1.56	0.36	0.26	0.15	0.31
Total Liabilities	14	14	14	14	15	15	14	15	18	55
Fixed Assets	1.12	1.06	1.15	1.14	0.93	0.72	0.52	0.53	0.53	0.55
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	0.00	0.02	0.02	0.02	0.02	0.07	0.14	0.00
Other Assets	13	13	13	13	14	14	14	15	17	55
Total Assets	14	14	14	14	15	15	14	15	18	55

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	1.47	0.76	2.30	-1.91	0.51	-0.92	-0.11	0.26	-1.16	-33
Cash from Investing Activity	3.23	0.16	-0.10	0.00	0.57	0.39	0.55	-0.01	0.52	0.11
Cash from Financing Activity	-5.41	-0.45	-0.36	-0.36	-0.36	-0.21	-0.39	0.00	0.50	33
Net Cash Flow	-0.71	0.47	1.84	-2.27	0.72	-0.74	0.04	0.25	-0.13	-0.17

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

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
JAFINANCE	58.26	62 Cr	—	3.03	0.00	-0.63	4.91	-0.34
LADDERUP	58.20	62 Cr	45.47	0.80	0.00	1.75	5.73	2.93
CEEJAY	177.95	61 Cr	9.22	0.77	0.67	8.36	10.64	5.29
MTPL	43.00	61 Cr	107.50	1.80	0.00	4.37	9.28	1.50
GOWRALE	108.00	59 Cr	10.14	1.64	0.00	16.17	16.12	9.13
GDLLEAS	116.80	59 Cr	66.36	8.60	0.00	12.97	14.00	10.76
RAMSONS	187.60	56 Cr	7.19	3.02	0.00	42.01	49.61	40.89

Overview

Detailed Summary

Gowra Leasing & Finance Limited (GLFL) is a non-banking finance company established on February 9, 1993, providing loans, ICDs, and bill discounting services.

The company primarily earns revenue from interest accrued on leasing and finance activities such as corporate loans, underwriting, and merchant banking.

Despite a small asset size, GLFL maintains a strong bottom line through significant investments in partnership firms, Gowra Bits & Bytes and Sowbhagya Petrochem.

GLFL focuses on creating innovative and tailored financial solutions while implementing rigorous borrower assessment to ensure integrity and minimize credit risk.

Sector

Finance

Industry

NBFC-Others

Market Cap

59 Cr

Volatility

Low Risk

P/E Ratio

10.1

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

1.6

52W High

151.79

52W Low

42.82

Sales CAGR

115.82%

74.65%

40.62%

10Y

20.06%

Profit CAGR

94.12%

78.01%

47.19%

10Y

25.09%

ROE

TTM

16.17%

11.43%

9.67%

10Y

8.07%

ROCE

TTM

16.12%

12.64%

11.25%

10Y

10.04%