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GALADA FINANCE vs CREDITACCESS GRAMEEN - Comparison Results

Rs 100 invested in...

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Current Valuations

    GALADA FINANCE CREDITACCESS GRAMEEN GALADA FINANCE/
CREDITACCESS GRAMEEN
 
P/E (TTM) x 16.2 10.7 152.3% View Chart
P/BV x 0.9 2.2 41.1% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 GALADA FINANCE   CREDITACCESS GRAMEEN
EQUITY SHARE DATA
    GALADA FINANCE
Mar-24
CREDITACCESS GRAMEEN
Mar-24
GALADA FINANCE/
CREDITACCESS GRAMEEN
5-Yr Chart
Click to enlarge
High Rs171,794 1.0%   
Low Rs8903 0.9%   
Income per share (Unadj.) Rs4.5324.2 1.4%  
Earnings per share (Unadj.) Rs1.190.7 1.2%  
Cash flow per share (Unadj.) Rs3.3212.1 1.5%  
Dividends per share (Unadj.) Rs010.00 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs18.4410.3 4.5%  
Shares outstanding (eoy) m3.00159.38 1.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.84.2 68.2%   
Avg P/E ratio x11.214.9 75.6%  
Avg P/CF ratio x11.214.8 75.8%  
Avg Price/Bookvalue ratio x0.73.3 21.0%  
Dividend payout %011.0 0.0%   
Avg Mkt Cap Rs m38214,968 0.0%   
No. of employees `000NANA-   
Total wages & salary Rs m26,694 0.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1351,667 0.0%  
Other income Rs m260 3.9%   
Interest expense Rs m417,384 0.0%   
Net interest income Rs m934,283 0.0%  
Operating expense Rs m614,440 0.0%   
Gross profit Rs m419,844 0.0%  
Gross profit margin %26.538.4 69.0%  
Provisions/contingencies Rs m032 0.0%   
Profit before tax Rs m419,392 0.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m14,933 0.0%   
Profit after tax Rs m314,459 0.0%  
Net profit margin %25.228.0 90.2%  
BALANCE SHEET DATA
Advances Rs m0251,050 0.0%   
Deposits Rs m60-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %6.80-  
Net Interest Margin %593.112.3 4,829.2%  
Net fixed assets Rs m86,091 0.1%   
Share capital Rs m301,594 1.9%   
Free reserves Rs m2563,794 0.0%   
Net worth Rs m5565,388 0.1%   
Borrowings Rs m36252 14.1%   
Investments Rs m228,109 0.0%   
Total assets Rs m99300,100 0.0%  
Debt/equity ratio x0.80 19,593.8%   
Return on assets %3.44.8 71.0%  
Return on equity %6.122.1 27.7%  
Capital adequacy ratio %57.623.1 248.9%  
Net NPAs %00.4 0.0%  
CASH FLOW
From Operations Rs m-22-47,338 0.0%  
From Investments Rs m-4-9,942 0.0%  
From Financial Activity Rs m2754,939 0.0%  
Net Cashflow Rs m1-2,341 -0.0%  

Share Holding

Indian Promoters % 63.9 0.0 -  
Foreign collaborators % 0.0 66.5 -  
Indian inst/Mut Fund % 0.0 25.6 -  
FIIs % 0.0 10.8 -  
ADR/GDR % 0.0 0.0 -  
Free float % 36.1 33.5 107.8%  
Shareholders   885 103,928 0.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GALADA FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on GALADA FINANCE vs CREDITACCESS GRAMEEN

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

GALADA FINANCE vs CREDITACCESS GRAMEEN Share Price Performance

Period GALADA FINANCE CREDITACCESS GRAMEEN
1-Day 0.00% 3.31%
1-Month -8.33% -10.90%
1-Year 29.01% -47.20%
3-Year CAGR 4.40% 16.27%
5-Year CAGR 10.69% 3.51%

* Compound Annual Growth Rate

Here are more details on the GALADA FINANCE share price and the CREDITACCESS GRAMEEN share price.

Moving on to shareholding structures...

The promoters of GALADA FINANCE hold a 63.9% stake in the company. In case of CREDITACCESS GRAMEEN the stake stands at 66.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GALADA FINANCE and the shareholding pattern of CREDITACCESS GRAMEEN.

Finally, a word on dividends...

In the most recent financial year, GALADA FINANCE paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

CREDITACCESS GRAMEEN paid Rs 10.0, and its dividend payout ratio stood at 11.0%.

You may visit here to review the dividend history of GALADA FINANCE, and the dividend history of CREDITACCESS GRAMEEN.



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