Gilada Finance & Investments Quarterly Results

Pros & Cons

POSITIVES

Consistent revenue growth over the last four quarters, indicating strong demand for financial services.
Improved net profit margins compared to previous years, reflecting better cost management.
Strong return on equity (ROE) in the latest quarter, showcasing effective utilization of shareholders' funds.

NEGATIVES

High operating expenses persist, which may pressure future profitability if not addressed.
Decline in loan disbursement growth rate, potentially indicating market saturation or increased competition.
Rising non-performing assets (NPAs) could signal credit risk and impact investor confidence.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1.54	1.82	1.48	1.67	1.60	1.71	1.79	1.67
Expenses	0.28	0.45	0.35	0.38	0.35	0.44	0.22	0.33
Financing Profit	1.26	1.37	1.13	1.29	1.25	1.27	1.57	1.33
Other Income	0.04	0.01	0.25	0.10	0.14	0.05	0.04	0.04
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.04	0.01
Profit Before Tax	0.81	0.80	0.15	0.73	0.74	0.67	0.76	0.73
Tax	0.20	0.20	0.08	0.18	0.19	0.17	0.22	0.18
Net Profit	0.60	0.60	0.07	0.55	0.55	0.50	0.54	0.54
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0