Note: This company is no longer actively listed. Financial data shown is historical.
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View Plans2-year trend showing gross, operating, and net profit margins
Gruh Finance Limited's net profit margin of 22.1% in FY2019 reflects excellent profitability, with operating margin at 94.6% and gross margin at 100.0%.
In FY 2019, Gruh Finance Limited posted a gross margin of 100.0%, an operating margin of 94.6%, a net margin of 22.1%. Gross Margin = (Revenue - COGS) / Revenue; Operating Margin = EBIT / Revenue; Net Margin = Net Income / Revenue. Typical healthy ranges: Gross 20-40%, Operating 10-20%, Net 5-10%+. Consistent or improving margins indicate strong competitive positioning.
2-year trend showing revenue, gross profit, and net profit
Gruh Finance Limited's revenue grew 20.1% to 20.27B and net profit grew 23.3% to 4.47B YoY in FY2019, indicating strong business momentum.
In FY 2019, Gruh Finance Limited's revenue grew by 20.1% year-over-year. Revenue is total income from operations. Gross Profit is revenue minus cost of goods. Net Profit is the bottom line after all expenses. Consistent growth across all three signals a healthy, expanding business.
2-year trend showing shareholder returns
Gruh Finance Limited's ROE of 23.6% in FY2019 indicates excellent capital efficiency.
In FY 2019, Gruh Finance Limited reported an ROE of 23.6%. ROE = (Net Income / Shareholders' Equity) x 100. Measures how efficiently the company turns equity into profit. Above 15% is generally strong; above 25% is excellent. Very high ROE may signal high leverage — check alongside debt levels.
2-year trend comparing profitability with cash generation
Gruh Finance Limited's FCF/NI ratio of -3.21x in FY2019 indicates weak cash generation raising concerns about earnings quality.
In FY 2019, Gruh Finance Limited's free cash flow trailed net income. Free Cash Flow = Operating Cash Flow - Capital Expenditure. When FCF exceeds net income, it suggests high-quality, cash-backed earnings. Persistent gaps may indicate aggressive accounting or heavy capex needs.
2-year trend comparing profitability with cash from operations
Gruh Finance Limited's OCF/NI ratio of -3.20x in FY2019 indicates weak cash conversion raising concerns about earnings quality.
In FY 2019, Gruh Finance Limited's operating cash flow trailed net income. Operating Cash Flow is the actual cash from core operations. OCF exceeding net income signals strong cash collection. OCF trailing net income may indicate aggressive revenue recognition or working capital issues.
Measure a company's financial leverage, liquidity, and ability to meet financial obligations.
2-year trend showing short-term liquidity position
Gruh Finance Limited's current ratio of 1.11x in FY2019 indicates adequate but thin liquidity.
In FY 2019, Gruh Finance Limited reported a current ratio of 1.11. Current Ratio = Current Assets / Current Liabilities. Measures short-term liquidity. A ratio of 1.5-3.0 is generally healthy; below 1.0 signals liquidity risk; above 3.0 may indicate underutilized assets.
2-year trend showing ability to service debt
Gruh Finance Limited's interest coverage ratio of 1.5x in FY2019 indicates thin debt servicing margin — warrants monitoring.
In FY 2019, Gruh Finance Limited reported an interest coverage ratio of 1.5x. Interest Coverage = EBIT / Interest Expense. Shows how many times operating profit covers interest payments. Above 5x is comfortable; below 1.5x signals potential difficulty servicing debt.
2-year trend showing financial leverage and capital structure
Gruh Finance Limited's debt-to-equity ratio of 5.54x in FY2019 reflects high leverage demanding close monitoring.
In FY 2019, Gruh Finance Limited reported a debt-to-equity ratio of 5.54. Debt-to-Equity = Total Debt / Total Equity. Below 1.0 is conservative; 1.0-2.0 is moderate; above 2.0 indicates higher financial risk. Capital-intensive industries naturally carry higher ratios.
2-year trend showing total debt with year-over-year changes
Gruh Finance Limited's debt decreased 13.8% YoY in FY2019 — positive deleveraging improves financial flexibility.
In FY 2019, Gruh Finance Limited's total debt decreased by 13.8% year-over-year. Total Debt includes short-term debt, long-term loans, debentures, and capital leases. YoY changes (shown as percentages) reveal whether the company is leveraging up or deleveraging.
Year-over-year change in diluted shares outstanding
Gruh Finance Limited's diluted shares increased 0.1% YoY in FY2019 — share dilution.
Over 2 years (FY2018–FY2019), diluted shares increased 0.1% from 732.14M to 732.76M, indicating cumulative dilution.
In FY 2019, Gruh Finance Limited's diluted shares increased by 0.1% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2019