Gilada Finance & Investments Limited (GILADAFINS.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+338.0%

₹52.57

vs ₹12.00 price

Levered DCF

-₹59.24

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

1.35

Distress zone

Rating

C-

Overall 1 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	7.74×	8.18×	8.96×	12.13×	34.31×	15.37×	4.17×	11.65×
P/B	0.64×	0.74×	0.69×	0.91×	2.26×	0.81×	0.22×	0.43×
P/S	2.26×	2.64×	2.45×	4.25×	12.08×	4.52×	1.12×	2.22×
EV / EBITDA	9.09×	9.29×	11.27×	10.52×	27.56×	10.82×	3.38×	5.38×
Gross margin	78.5%	62.1%	61.9%	63.6%	82.8%	78.2%	70.6%	70.3%
Operating margin	40.3%	45.7%	43.6%	44.7%	64.8%	58.6%	42.3%	43.3%
Net margin	29.2%	31.7%	27.4%	35.0%	35.4%	29.3%	27.1%	19.2%
Current ratio	1.17×	43.8×	30.22×	108.96×	118.92×	35.63×	4.34×	19.9×
Debt / equity	0.4×	0.42×	0.55×	0.32×	0.05×	0.03×	0.04×	0.06×
Interest coverage	0×	0×	2.03×	0×	0×	0×	20.45×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	8.3%	8.9%	7.7%	7.5%	6.6%	5.2%	5.3%	3.8%
Return on invested capital	6.0%	6.7%	5.8%	5.3%	9.5%	6.9%	6.1%	7.1%
Return on assets	5.8%	6.1%	4.9%	5.6%	6.4%	5.0%	5.0%	3.5%
Free cash flow yield	-4.3%	9.6%	-51.6%	-15.6%	1.7%	0.4%	2.0%	-43.8%
Earnings yield	12.9%	12.0%	11.2%	8.2%	2.9%	6.5%	24.2%	8.6%
Enterprise value	₹271.8M	₹273.9M	₹266.1M	₹218.6M	₹455.1M	₹157.2M	₹44.5M	₹81.9M
Net debt / EBITDA	3.46×	3.27×	4.8×	1.66×	0.12×	0.42×	0.44×	0.58×
Cash conversion cycle (days)	5	13	29	27	-36	1,875	2,865	2,861