Logo
Whalesbook
HomeNewsCorporate NewsPremiumStocks
HomeNewsCorporate NewsPremiumStocks

QGO Finance Ltd

₹ 42.80.71%
07 Jan 4:01 p.m. – close price
🔗qgofinance.com•BSE: 538646•NSE:
Market Cap₹ 29.7 Cr.
Current Price₹ 42.8
High / Low₹ 70.5
Stock P/E9.73
Book Value₹ 28.1
Dividend Yield1.08 %
ROCE14.2 %
ROE18.3 %
Face Value₹ 10.0
Sales₹ 16.8 Cr.
OPM88.1 %
Mar Cap₹ 29.7 Cr.

ABOUT

Incorporated in 1993, Qgo Finance Ltd finances construction projects and provides retail loans

KEY POINTS

Business Overview:[1][2]Company is a Non-Systemically Important Non-Deposit Accepting NBFC which is classified as Category ‘B’ by RBI. It is in the business of financing and investment in bodies corporate

Also present in buckets:
Aggressive Growth TriggersExcellent ResultsRevenue GuidanceAsset Base ExpansionCapacity Expansion And ProductsPreferential IssuanceJv Partnerships AcquisitionsRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Bajaj Finance969.7032.95603394.090.454947.7621.8920178.9018.0611.3576194.7468.4818301.084875.365.873.993.85
2.Shriram Finance995.9021.43187364.871.002314.1612.2211912.4418.0710.9545601.3072.598760.032314.223.083.043.87
3.Muthoot Finance3955.4021.80158796.810.672411.6590.367282.7947.7613.1924544.4075.967303.692420.634.874.673.76
4.Tata Capital360.5041.58153027.540.001118.972.017737.187.699.5828323.8571.643658.331097.32–1.725.88
5.Cholaman.Inv.&Fn1785.2032.45150644.780.111159.6119.827491.3819.7610.3428536.7369.184645.191159.615.882.387.23
6.SBI Cards883.0543.7884029.070.28444.779.984960.9812.2110.4019130.5427.491918.14444.775.703.103.33
7.L&T Finance Ltd314.0529.1878595.060.87734.885.644335.757.878.7116715.8260.772698.51734.842.982.373.72
8.Qgo Finance42.759.7329.711.080.8410.534.456.4614.1616.7788.073.050.841.513.044.52
–Median: 97 Co.134.022.67482.530.07.138.5536.9213.449.02164.3656.3317.326.111.963.040.78

Quarterly Results

Standalone figures in ₹ crores

Dec 2022Dec 2023Dec 2024Jun 2023Jun 2024Jun 2025Mar 2023Mar 2024Mar 2025Sep 2022Sep 2023Sep 2024Sep 2025
Sales
2.923.574.073.304.124.213.073.734.042.893.454.184.45
Expenses
0.420.360.540.460.440.460.310.300.410.380.420.530.59
Operating Profit
2.503.213.532.843.683.752.763.433.632.513.033.653.86
Other Income
0.000.010.020.010.020.010.010.010.000.000.02-0.010.02
Profit before tax
0.590.920.940.701.191.050.570.950.830.620.811.051.14
Tax %
25.42%25.00%29.79%28.57%26.05%25.71%22.81%7.37%9.64%27.42%27.16%26.67%26.32%
Net Profit
0.430.690.670.510.870.780.440.880.760.460.580.760.84
EPS in Rs
0.620.990.960.731.251.120.631.271.090.660.831.091.21

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
0.680.550.370.390.401.493.605.208.3811.5714.0916.4216.77
Expenses
0.430.350.470.330.320.530.910.961.251.421.501.882.00
Operating Profit
0.250.20-0.100.060.080.962.694.247.1310.1512.5914.5414.77
Other Income
0.110.00-0.040.00-0.01-0.44-0.18-0.230.000.000.000.000.05
Interest
0.090.030.000.000.010.321.733.055.247.579.0210.2210.49
Depreciation
0.010.000.000.000.000.010.030.030.090.210.210.300.37
Profit before tax
0.260.17-0.140.060.060.190.750.931.802.373.364.023.96
Net Profit
0.200.06-0.150.000.030.040.580.641.301.762.653.073.05
EPS in Rs
0.600.18-0.450.000.090.060.830.921.872.533.814.424.38
Dividend Payout %
0.00%0.00%0.00%–0.00%0.00%0.00%0.00%160.38%1.58%13.11%13.58%–

Compounded Profit Growth

10 Years:48%
5 Years:33%
3 Years:33%
TTM:-5%

Compounded Sales Growth

10 Years:40%
5 Years:35%
3 Years:25%
TTM:8%

Return on Equity

10 Years:11%
5 Years:15%
3 Years:17%
Last Year:18%

Stock Price CAGR

10 Years:14%
5 Years:14%
3 Years:-4%
1 Year:-38%

Balance Sheet

Standalone figures in ₹ crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
3.353.353.353.353.356.956.956.956.956.956.956.956.95
Reserves
1.131.191.041.041.081.692.503.414.646.158.4911.1612.57
Borrowings
0.000.290.000.010.007.7517.7529.7555.4069.0279.7087.8388.23
Other Liabilities
0.160.140.090.130.140.231.913.360.670.320.420.530.50
Total Liabilities
4.644.974.484.534.5716.6229.1143.4767.6682.4495.56106.47108.25
Fixed Assets
0.020.000.000.000.000.090.080.090.350.350.240.730.61
Gross Block
0.020.000.000.000.000.100.120.160.510.710.801.29–
Accumulated Depreciation
0.000.000.000.000.000.010.040.070.160.360.570.57–
CWIP
0.000.000.000.000.000.000.000.000.000.000.000.010.00
Investments
0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other Assets
4.624.974.484.534.5716.5329.0343.3867.3182.0995.32105.73107.64
Total Assets
4.644.974.484.534.5716.6229.1143.4767.6682.4495.56106.47108.25

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
0.49-0.320.39-0.050.01-3.610.32-0.160.811.62-1.805.09
Cash from Investing Activity
0.110.010.000.000.00-0.10-0.02-0.04-0.35-0.20-0.04-1.30
Cash from Financing Activity
-0.700.29-0.290.01-0.013.600.000.00-0.14-0.281.34-2.46
Net Cash Flow
-0.10-0.020.10-0.040.00-0.100.30-0.190.321.14-0.501.32

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
0.000.000.000.000.000.000.0028.0838.7634.7043.0031.57
Inventory Days
––––––––––––
Days Payable
––––––––––––
Cash Conversion Cycle
0.000.000.000.000.000.000.0028.0838.7634.7043.0031.57
Working Capital Days
2,291.992,906.734,074.193,977.563,914.62-14.70-167.29-171.2720.9141.6458.2964.91
ROCE %
–4.30%-2.17%1.37%1.81%9.13%12.25%12.54%13.15%13.33%13.97%14.16%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
63.93%63.36%63.36%63.36%63.36%63.36%63.36%63.36%63.36%63.36%63.36%60.48%
FIIs
––––––––––––
DIIs
––––––––––––
Public
36.08%36.65%36.64%36.64%36.64%36.65%36.65%36.64%36.66%36.64%36.65%39.52%

* The classifications might have changed from Sep'2022 onwards.ℹ️

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

QGO Finance to close trading window from April 1, 2026, for financial results announcement

26th March 2026, 10:27 pm

QGO Finance Allots NCDs Worth ₹1.30 Crore

26th March 2026, 9:55 pm

QGO Finance Allots ₹2 Crore in Unsecured NCDs

24th March 2026, 11:11 pm

QGO Finance Redeems 100 NCDs Worth ₹1 Crore on March 24, 2026

24th March 2026, 10:42 pm

QGO Finance Redeems 550 NCDs Worth ₹5.50 Crore on March 18, 2026

18th March 2026, 9:53 pm

Published by Other Websites

External media mentions & references

Corporate Action Surge: 50+ Firms Eye Shareholder Payouts Amid Market Wobble

13th February 2026, 1:31 pm

Dividend and Bonus Watch: 19 Companies Turn Ex-Dividend, Sealmatic India Declares Bonus Shares

21st November 2025, 8:28 am

Stock Market Movers: Key Earnings, Investments, and Deals in Focus Today

13th August 2025, 7:07 am

Over 90 Indian Companies Set to Trade Ex-Dividend Next Week; Akzo Nobel India Offers Highest Payout

8th August 2025, 2:49 pm

QGO Finance Allots ₹2 Crore Unsecured NCDs at 12% Interest

News Articles

Editorial & research coverage

Corporate Action Surge: 50+ Firms Eye Shareholder Payouts Amid Market Wobble
Corporate Action Surge: 50+ Firms Eye Shareholder Payouts Amid Market Wobble

13th February 2026, 1:31 pm

Dividend and Bonus Watch: 19 Companies Turn Ex-Dividend, Sealmatic India Declares Bonus Shares
Dividend and Bonus Watch: 19 Companies Turn Ex-Dividend, Sealmatic India Declares Bonus Shares

21st November 2025, 8:28 am

Documents

Announcements

Closure of Trading Window
Announcement under Regulation 30 (LODR)-Allotment

5 Dec 2025 - Allotted 400 secured NCDs totaling Rs2 crore on 05-Dec-2025; 12% p.a., maturity 04-Dec-2032.

Announcement under Regulation 30 (LODR)-Memorandum of Understanding /Agreements

4 Dec 2025 - QGO signed co‑lending master agreement with Choice Finserv on 04-Dec-2025 to jointly originate loans under RBI guidelines.

Board Meeting Outcome for Outcome Of The Board Meeting Dated December 04, 2025

4 Dec 2025 - Board approved private placement of 400 secured NCDs totaling Rs.2 crore; 84-month tenure; 12% p.a. coupon.

Board Meeting Intimation for Raising Funds By Issuing Secured Non-Convertible Debentures On A Private Placement Basis.

1 Dec 2025 - Board meeting on Dec 4, 2025 to consider issuing secured NCDs by private placement.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Financial Year 2022

(from bse)

Financial Year 2021

(from bse)

Financial Year 2020

(from bse)

Financial Year 2019

(from bse)

Financial Year 2018

(from bse)

Financial Year 2017

(from bse)

Financial Year 2016

(from bse)

Financial Year 2015

(from bse)

Financial Year 2014

(from bse)

Financial Year 2013

(from bse)

Financial Year 2008

(from bse)

Financial Year 2007

(from bse)

Credit Ratings

No credit ratings.

Concalls

No concalls.

Stock Analysis

Description

QGO Finance Limited is a Category ‘B’ NBFC involved in financing and investment. It operates in the financial services sector, focusing on construction project financing and retail loans.

Key Growth Triggers

  1. Strategic co-lending partnership with Choice Finserv Private Limited to expand lending reach and capabilities under RBI guidelines.
  2. Active capital raising through secured and unsecured Non-Convertible Debentures (NCDs) with a 12% annual interest rate to strengthen the balance sheet.
  3. Focus on prudent growth and sustainability, leveraging past performance characterized by zero NPA status.

Order Book

Currently no data available for Order Book.

Key Red Flags

  1. Company data highlights a low interest coverage ratio, potentially indicating strain in servicing debt obligations.
  2. Promoter holding has seen a decrease in recent periods, according to historical data.

Key Dates To Watch

  1. The company regularly announces board meetings for financial results and capital raising proposals.
  2. Past announcements indicate the declaration of interim dividends.

Corporate Announcements

26th Mar 26
Impact Rating: 5
QGO Finance Limited announced the closure of its trading window for designated persons and immediate relatives, effective April 1, 2026. This restriction will continue for 48 hours post the announcement of audited financial results for the fiscal year ending March 31, 2026.
26th Mar 26
Impact Rating: 8
QGO Finance Limited has allotted 260 secured, unlisted NCDs worth ₹130.00 lakh (₹1.30 cr), each with a face value of Rs. 50,000. These NCDs carry a 12% annual interest rate and mature on March 25, 2033.
24th Mar 26
Impact Rating: 8
QGO Finance Limited has completed the allotment of 200 Unsecured Non-Convertible Debentures (NCDs) totaling ₹2.00 crore. These NCDs carry a 12% annual interest rate and have a tenure of 9 years, with maturity in March 2035.
24th Mar 26
Impact Rating: 6
QGO Finance announced the redemption of 100 Unlisted Non-Convertible Debentures on March 24, 2026, totaling ₹1.00 Crore for principal and interest. The debentures, originally issued for five years, had their tenure extended by three years.
18th Mar 26
Impact Rating: 6
QGO Finance Limited has concluded the redemption of 550 Unlisted Unsecured Redeemable Non-Convertible Debentures (NCDs), aggregating ₹5.50 crore, on March 18, 2026. This includes principal and interest payments to debenture holders.