Loading...
Definitive Analysis

Financial Statements

Company Industry Sector

Periods / Units / Analysis

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Ticker

Industry

Sector

Page: Company Financials

Gilada Finance & Investments Limited

Ticker: GILADAFINS.BO | Industry: Financial - Credit Services | Sector: Financial Services
$13.09 -0.06 (-0.46%)
As of: 2026-01-27

Master Data Export

Enterprise Value

Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Stock Price 12.12 11.60 11.91 20.43 39.68 15.06 13.03 28.58 27.46 11.69 9.49
Market Capitalization 171.79M 163.56M 167.35M 285.82M 557.40M 211.82M 192.04M 400.85M 403.93M 162.48M 133.36M
(-) Cash & Equivalents 1.53M 4.33M 8.05M 10.33M 0.41M 0.94M 1.21M 7.74M 0.42M 0.41M 0.33M
(+) Total Debt 65.36M 57.68M 42.11M 18.01M 3.23M 2.78M 3.59M 1.38M 0.92M 2.48M 1.04M
Enterprise Value 235.62M 216.92M 201.40M 293.50M 560.23M 213.66M 194.43M 394.50M 404.44M 164.55M 134.06M

Income Statement

Metric TTM TTM-1 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31 2017-03-31 2016-03-31 2015-03-31 2014-03-31
Revenue 69M 68M 67M 62M 43M 38M 33M 34M 33M 26M 25M 21M 20M 20M
Cost of Revenue 25M 24M 25M 24M 16M 6M 7M 10M 10M 4M 5M 2M 0M 0M
Gross Profit 43M 44M 42M 39M 28M 31M 26M 24M 23M 22M 20M 18M 20M 20M
Gross Profit Margin 63.3% 64.6% 62.1% 61.9% 63.6% 82.8% 78.2% 70.6% 70.3% 85.6% 80.2% 89.0% 100.0% 100.0%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 0M 0M 3M 4M 4M 3M 2M 1M 2M 1M 1M 1M 0M 0M
Operating Expenses 12M 19M 11M 11M 8M 7M 7M 10M 9M 7M 7M 6M 5M 6M
Operating Income (EBIT) 31M 25M 31M 27M 19M 24M 20M 15M 14M 15M 13M 12M 15M 13M
Operating Income Margin 45.3% 36.2% 45.7% 43.6% 44.7% 64.8% 58.6% 42.3% 43.3% 57.6% 53.2% 59.4% 75.6% 68.1%
Interest Income 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
Interest Expense 0M 0M 0M 0M 0M 0M 0M 1M 0M 0M 0M 0M 0M 1M
Net Interest Income 0M 0M 0M 0M 0M 0M 0M -1M 0M 0M 0M 0M 0M -1M
Unusual Items -2M -1M -2M -4M 1M -8M -6M -2M -7M -4M 0M 0M 0M 1M
EBT Excluding Unusual Items 31M 25M 31M 27M 19M 24M 20M 14M 14M 15M 13M 12M 15M 12M
Pre-Tax Income 29M 24M 29M 23M 20M 16M 14M 12M 7M 11M 13M 12M 15M 13M
Pre-Tax Margin 42.6% 35.3% 43.1% 37.5% 47.3% 43.1% 42.3% 34.8% 21.5% 41.9% 53.2% 59.4% 75.6% 68.1%
Income Tax Expense 8M 7M 8M 6M 5M 3M 4M 3M 1M 3M 4M 4M 5M 4M
Net Income 21M 18M 21M 17M 15M 13M 10M 9M 6M 8M 9M 8M 10M 9M
Net Income Margin 31.3% 25.8% 31.7% 27.4% 35.0% 35.4% 29.3% 27.1% 19.2% 29.4% 36.2% 39.5% 50.7% 46.1%
Depreciation & Amortization 1M 0M 1M 0M 0M 0M 0M 0M 1M 0M 0M 0M 0M 0M
EBITDA 32M 25M 31M 27M 20M 25M 20M 15M 15M 15M 14M 12M 15M 13M
EBITDA Margin 46.3% 36.5% 46.5% 44.1% 45.3% 65.7% 59.6% 43.5% 46.3% 59.4% 54.2% 60.0% 76.1% 68.6%
NOPAT 23M 18M 23M 20M 14M 20M 14M 11M 13M 10M 9M 8M 10M 9M
NOPAT Margin 33.3% 26.4% 33.6% 31.9% 33.1% 53.2% 40.6% 32.9% 38.6% 40.4% 36.2% 39.5% 50.7% 46.1%
Owner's Earnings 22M 18M 20M 17M 15M 13M 10M 10M 7M 7M 8M 8M 10M 9M
Owner's Earnings Margin 32.3% 26.1% 30.2% 27.4% 35.3% 35.3% 29.9% 27.8% 21.6% 28.1% 33.2% 38.6% 51.2% 46.5%
EPS (Basic) 1.52 1.26 1.52 1.21 1.08 0.94 0.70 0.66 0.37 0.54 0.65 0.58 0.71 0.64
EPS (Diluted) 1.51 1.26 1.49 1.21 1.08 0.94 0.70 0.66 0.37 0.54 0.65 0.58 0.71 0.64
Shares (Basic) 14M 14M 14M 14M 14M 14M 14M 14M 17M 14M 14M 14M 14M 14M
Shares (Diluted) 14M 14M 14M 14M 14M 14M 14M 14M 17M 14M 14M 14M 14M 14M

Balance Sheet

Metric MRQ MRQ-1 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31 2017-03-31 2016-03-31 2015-03-31 2014-03-31
Cash & Cash Equivalents 1.23M 3.36M 3.33M 6.55M 31.06M 8.00M 0.39M 1.27M 1.96M 29.49M 1.56M 1.02M 1.33M 1.27M
Short-Term Investments 0.00M 0.00M 0.03M 0.00M 0.00M 0.00M 0.00M 0.00M 0.31M 0.31M 0.00M 0.00M 0.00M 0.00M
Cash & Short-Term Investments 1.23M 3.36M 3.36M 6.55M 31.06M 8.00M 0.39M 1.27M 2.28M 29.81M 1.56M 1.02M 1.33M 1.27M
Net Receivables 0.00M 4.05M 4.05M 0.00M 0.00M 0.00M 0.00M 0.00M 130.94M 91.03M 6.44M 0.00M 0.00M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 38.50M 38.50M 38.50M 38.50M 38.50M 38.50M 38.50M 38.50M
Other Current Assets 308.23M 296.78M 296.78M 302.14M 197.82M 158.63M 114.12M 0.26M 0.00M 0.00M -3.18M 1.57M 0.19M 1.07M
Total Current Assets 309.46M 304.19M 304.19M 308.69M 228.88M 166.63M 153.01M 40.03M 171.72M 159.34M 43.32M 41.09M 40.02M 40.83M
Property, Plant & Equipment 1.36M 0.32M 0.32M 0.19M 0.17M 0.20M 0.31M 0.40M 0.59M 4.14M 1.37M 0.61M 0.42M 0.49M
Goodwill 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Intangible Assets 0.00M 1.02M 1.02M 0.13M 0.19M 0.29M 0.15M 0.26M 0.40M 0.40M 0.00M 0.00M 0.00M 0.00M
Long-Term Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.23M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Tax Assets 0.49M 0.49M 0.49M 0.49M 0.49M 1.01M 1.01M 1.01M 0.22M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Assets 48.67M 40.55M 40.55M 40.62M 40.68M 39.93M 39.93M 146.67M 3.74M 3.76M 107.24M 100.34M 96.60M 87.05M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 50.52M 42.38M 42.38M 41.43M 41.54M 41.43M 41.40M 148.12M 4.94M 8.31M 108.60M 100.95M 97.02M 87.53M
Total Assets 359.98M 346.57M 346.57M 350.12M 270.42M 208.06M 194.41M 188.14M 176.65M 167.64M 151.93M 142.05M 137.04M 128.37M
Accounts Payable 0.00M 0.64M 0.64M 0.67M 0.48M 1.28M 1.01M 1.50M 0.73M 0.86M 1.82M 1.07M 1.18M 1.84M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 3.00M 2.47M 7.08M 7.78M 2.99M 3.09M 3.21M 4.14M 4.61M
Tax Payables 0.00M 0.00M 0.00M 3.41M 0.21M 0.09M 0.91M 0.07M 0.00M 0.24M 0.09M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 0.00M -2.79M 0.00M 0.00M 0.00M -3.00M 0.00M 0.00M 0.00M 0.00M 0.23M 0.42M 0.27M 0.31M
Total Current Liabilities 0.00M -2.16M 0.64M 4.08M 0.69M 1.37M 4.40M 8.66M 8.51M 4.09M 5.23M 4.70M 5.58M 6.76M
Long-Term Debt 96.42M 99.66M 99.66M 119.94M 65.66M 7.02M 3.97M 0.00M 2.99M 2.99M 0.00M 0.00M 0.00M 0.00M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 1.20M 1.20M 1.20M 1.20M 1.20M
Other Non-Current Liabilities 12.44M 0.00M 0.00M 0.00M 0.00M 0.00M 2.30M 0.00M -0.67M -1.16M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Liabilities 108.86M 99.66M 99.66M 119.94M 65.66M 7.02M 6.27M 0.00M 2.32M 3.03M 1.20M 1.20M 1.20M 1.20M
Total Liabilities 108.86M 97.51M 100.30M 124.03M 66.35M 8.39M 10.66M 8.66M 10.83M 7.12M 6.43M 5.89M 6.78M 7.96M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 69.28M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 70.25M 70.25M 70.25M 70.25M 70.25M 35.12M 35.12M 35.12M 35.12M 35.12M 35.12M 35.12M 35.12M 35.12M
Retained Earnings 0.00M 0.00M 77.91M 77.91M 64.27M 87.26M 77.13M 69.28M 61.80M 56.85M 54.64M 47.12M 42.86M 35.02M
Accumulated OCI 0.00M 0.00M 91.81M 0.00M 0.00M 0.00M 0.00M 35.12M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 5.56M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 70.25M 70.25M 239.96M 148.15M 134.52M 122.39M 112.26M 208.80M 96.93M 91.98M 89.76M 82.24M 77.98M 70.14M
Total Equity 70.25M 70.25M 239.96M 148.15M 134.52M 122.39M 112.26M 214.36M 96.93M 91.98M 89.76M 82.24M 77.98M 70.14M
Total Liabilities & Equity 179.10M 167.75M 340.26M 272.18M 200.86M 130.78M 122.92M 223.02M 107.76M 99.10M 96.19M 88.13M 84.76M 78.10M
Tangible Assets 359.98M 345.55M 345.55M 349.99M 270.22M 207.76M 194.26M 187.88M 176.26M 167.24M 151.93M 142.05M 137.04M 128.37M
Tangible Equity 70.25M 69.23M 238.94M 148.03M 134.32M 122.09M 112.11M 214.09M 96.53M 91.57M 89.76M 82.24M 77.98M 70.14M
Tangible Book Value 70.25M 69.23M 238.94M 148.03M 134.32M 122.09M 112.11M 214.09M 96.53M 91.57M 89.76M 82.24M 77.98M 70.14M
Total Investments 8.31M 0.00M 0.03M 0.59M 0.59M 0.09M 0.09M -0.23M 0.58M 0.58M 0.55M 0.55M 0.55M 0.75M
Net Debt 95.19M 96.30M 96.33M 113.39M 34.59M 2.02M 6.05M 5.82M 8.81M -23.51M 1.54M 2.19M 2.81M 3.35M

Capital Metrics

Metric MRQ MRQ-1 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31 2017-03-31 2016-03-31 2015-03-31 2014-03-31
Working Capital 309.5M 300.0M 297.2M 298.5M 227.0M 165.7M 152.2M 31.2M 165.7M 156.5M 38.1M 36.4M 34.4M 34.1M
Total Capital 347.5M 339.6M 339.6M 339.9M 268.6M 210.1M 193.8M 184.6M 178.9M 167.7M 148.6M 139.4M 134.4M 125.0M
Capital Employed 360.0M 342.4M 339.6M 339.9M 268.6M 207.1M 193.6M 179.3M 170.6M 164.8M 146.7M 137.3M 131.5M 121.6M
Invested Capital 346.3M 336.3M 336.3M 333.4M 237.5M 202.2M 193.4M 183.3M 177.0M 138.3M 147.0M 138.3M 133.1M 123.8M

Cash Flow Statement

Metric TTM TTM-1 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31 2017-03-31 2016-03-31
Net Income 18.88M 14.56M 21.30M 23.35M 20.48M 16.16M 14.18M 12.01M 7.09M 10.83M 13.39M 12.28M
Depreciation & Amortization 0.24M 0.09M 0.53M 0.26M 0.30M 0.35M 0.35M 0.41M 0.96M 0.47M 0.23M 0.13M
Deferred Income Tax 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Stock-Based Compensation 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Change in Working Capital 0.00M 0.00M -7.77M -101.54M -39.05M -5.60M -11.32M -11.55M -37.01M 9.01M -8.40M -6.57M
Accounts Receivable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.02M 0.27M 2.03M 0.75M 0.00M
Other Working Capital 0.00M 0.00M -7.77M -101.54M -39.05M -5.60M -11.32M -11.52M -37.29M 6.98M -9.15M 0.00M
Other Non-Cash Items -6.12M -11.23M 4.54M -0.66M -10.33M -2.85M -2.50M 0.06M -2.88M -1.43M -3.70M -4.08M
Net Cash from Operating Activities 13.01M 14.56M 18.59M -78.59M -28.60M 8.06M 0.70M 0.94M -31.84M 18.88M 1.52M 1.77M
Capital Expenditures (PPE) 0.00M 0.00M -1.53M -0.21M -0.17M -0.39M -0.14M -0.17M -0.16M -0.81M -0.99M -0.32M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Purchases of Investments 0.00M 0.00M 0.00M 0.00M -0.50M 0.00M 0.00M 0.00M -0.06M -1.31M 0.00M 0.00M
Sales / Maturities of Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Investing Activities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.06M 0.00M 0.00M 0.00M
Net Cash from Investing Activities 0.00M 0.00M -1.53M -0.21M -0.67M -0.39M -0.14M -0.17M -0.16M -2.12M -0.99M -0.32M
Net Debt Issuance 0.00M 0.00M 40.56M 54.29M 58.64M 0.57M -0.64M -0.69M 4.79M 0.00M -0.12M 0.00M
Long-Term Debt Issuance 0.00M 0.00M 40.56M 54.29M 58.64M 0.57M 0.00M 0.00M 0.00M 0.00M -0.12M 0.00M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 58.64M 0.57M -0.64M -0.69M 4.79M 0.00M 0.00M 0.00M
Net Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 12.38M 0.00M 0.00M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 12.38M 0.00M 0.00M
Common Stock Repurchased 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.89M 0.00M -1.76M
Common Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.89M 0.00M -1.76M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 0.00M 0.00M -60.84M 0.00M -6.30M -0.64M -0.70M -0.83M -0.31M -3.09M 0.00M 0.00M
Net Cash from Financing Activities 0.00M 0.00M -20.28M 54.29M 52.34M -0.07M -1.34M -1.52M 4.48M 11.48M -0.12M -1.76M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash -51.42M 14.56M -3.22M -24.52M 23.07M 7.61M -0.78M -0.76M -27.53M 28.25M 0.54M -0.31M
Cash at Beginning of Period 90.50M 29.91M 6.58M 31.10M 8.03M 0.42M 1.21M 1.96M 29.49M 1.56M 1.02M 1.33M
Cash at End of Period 39.08M 44.47M 3.36M 6.58M 31.10M 8.03M 0.42M 1.21M 1.96M 29.81M 1.56M 1.02M
Operating Cash Flow 13.01M 14.56M 18.59M -78.59M -28.60M 8.06M 0.70M 0.94M -31.84M 18.88M 1.52M 1.77M
Capital Expenditure 0.00M 0.00M -1.53M -0.21M -0.17M -0.39M -0.14M -0.17M -0.16M -0.81M -0.99M -0.32M
Free Cash Flow 13.01M 14.56M 17.06M -78.80M -28.77M 7.67M 0.56M 0.76M -32.01M 18.08M 0.53M 1.45M

Free Cash Flow

Metric TTM TTM-1 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31 2020-03-31 2019-03-31 2018-03-31 2017-03-31 2016-03-31
EBITDA 32.15M 33.60M 39.35M 34.93M 24.22M 28.67M 24.97M 23.68M 22.06M 21.71M 19.50M 18.02M
(-) Tax Adjustment 8.32M 5.56M 10.42M 9.43M 6.29M 5.12M 7.67M 5.26M 2.39M 6.47M 6.23M 6.05M
(-) Change In Working Capital 0.00M 0.00M -7.77M -101.54M -39.05M -5.60M -11.32M -11.55M -37.01M 9.01M -8.40M -6.57M
(-) Capital Expenditure 0.00M 0.00M -1.53M -0.21M -0.17M -0.39M -0.14M -0.17M -0.16M -0.81M -0.99M -0.32M
Unlevered Free Cash Flow 23.84M 28.04M 35.17M 126.83M 56.81M 28.77M 28.48M 29.79M 56.52M 5.43M 20.68M 18.23M
(-) Net Interest Income After Taxes 0.00M 0.00M 0.32M 0.17M 0.00M 0.00M 0.10M -0.54M 0.02M 0.01M 0.02M -0.20M
Net Debt Issuance 0.00M 0.00M 40.56M 54.29M 58.64M 0.57M -0.64M -0.69M 4.79M 0.00M -0.12M 0.00M
Levered Free Cash Flow 23.84M 28.04M 75.41M 180.94M 115.45M 29.34M 27.73M 29.64M 61.29M 5.41M 20.54M 18.43M