Galada Finance Limited (GALADAFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹95.7M
Fair value as of: Jul 5, 2026
From 17 valuation models · updated today
Share price +9.7% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹20.31 – ₹39.95 · fair‑value band ₹14.37 – ₹19.16 · the ₹31.90 price screens above the ₹19.16 fair value. As of Jul 5, 2026.
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Galada Finance Limited (GALADAFIN) currently trades at ₹31.90, while our model-based Fair Value estimate is ₹19.16 — implying the stock looks roughly 39.9% overvalued today. We read business quality at 50/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Galada Finance Limited generated revenue of ₹17.5M at a net margin of 25.3%. Revenue grew 15.9% year over year. It earns a return on equity of 7.4%. Net debt stands at ₹91.6M. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹14.37 (bear case) to ₹19.16 (bull case); at ₹31.90, the current price sits above that range. The share trades about 21% below its 52-week high and 62% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -33% fair-value upside — at -40%, GALADAFIN screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
Galada Finance Limited, a non-banking financial company, engages in the lending business in India. It offers new and used vehicle loans, equipment and machinery financing, and other asset financing services, as well as insurance services to retail, SME, and commercial customers. Galada Finance Limited was incorporated in 1986 and is based in Chennai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Galada Finance Limited reported revenue of ₹26.0M in FY2026 versus ₹10.5M in FY2022, a compound +25.4%/yr. Reported net income was ₹4.4M in FY2026.
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| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
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| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 81.23 MXN | -89% |
| Synchrony Financial, S1YF34 | R$383.77 | R$149.53 | -61% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.75 | ₹467.63 | +8% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.