QGO Finance (BSE: QGO) had a P/E of 8.1× on 6 Nov 2026, and the shares are 14% below their 52-week high. Net profit grew 24% a year over 3 years, with ROE of 18%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.38× book value and its dividend yield is 1.3%. It is a small-cap company with a market cap of ₹32 Cr, ranked 128th of 193 Credit Services companies by market cap; the shares fell 1.7% over the past year.
- ₹43.05
- ₹46.85
- ₹43.05
- ₹46.21
- 4.8K
Health check
- ReturnsIn line
−1.7% over a year, better than 3 of 7 peers.
- Price tagCheaper
P/B 1.38 vs peer median 2.62.
- GrowthSteady
Profit +24.2% a year over 3 years.
- ProfitabilityAverage
ROE 18.5% vs peer median 18.7%.
- Balance sheetSolid
Return on assets 3.15%. Bad-loan data isn’t covered.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹32 Cr
- Small cap
- P/E
- 8.1
- Industry 15.5
- Price to book
- 1.38
- Peers 2.62
- Dividend yield
- 1.30%
- ROE
- 18.5%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹5.69
- OPM (TTM)
- 25.8%
- Net margin 45.4%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +43.6%
- Latest quarter vs a year ago
- Price to sales
- 3.67
Strengths and risks
Strengths
- Return on equity of 18.5%.
- Quarterly profit up 43.6% on a year ago.
About QGO Finance
QGO Finance Limited, a non-banking financial company, provides financial services in India. The company offers project loans, loans against property, business loans, and co-operative housing society loans. It also provides business analysis, financial consult, and project reporting services. The company was formerly known as Parnami Credits Limited. QGO Finance Limited was incorporated in 1993 and is headquartered in Navi Mumbai, India.
- Headquarters
- Navi Mumbai
- Employees
- 13
- Sector
- Financial Services
- ISIN
- INE837C01013
- Website
- qgofinance.com
Price range
- Avg volume (3M)
- 3.8K
- 1-year return
- minus 1.7%
- From 52-week high
- minus 13.9%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| QGOQGO Finance | 46.00 | minus 0.45% | 32 | 8.1 | 1.38 | 18.5% | 3.1% | 24.2% | 1.30% | minus 1.7% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|
| 4.5 | 4.5 | 5 | 5.8 | 6 | |
| 3.3 | 3.3 | 3.8 | 4.3 | 4.3 | |
| 1.2 | 1.2 | 1.2 | 1.4 | 1.6 | |
| 26.9% | 26.3% | 24.5% | 24.9% | 27.2% | |
| 0 | 0 | 0 | 0 | 0.1 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| 1.1 | 1.1 | 1.2 | 1.4 | 1.6 | |
| 26.3% | 27.8% | 20.0% | 27.7% | 25.3% | |
| 0.8 | 0.8 | 0.9 | 1 | 1.2 | |
| 1.21 | 1.16 | 1.37 | 1.42 | 1.74 |
Profit & loss
- Profit CAGR 3Y
- +24.2%
- EPS CAGR 3Y
- +24.2%
- ROE
- 18.5%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 11.6 | 14 | 16.4 | 18.2 | |
| – | +21.6% | +16.8% | +10.9% | |
| 9 | 1.6 | 2.1 | 2.7 | |
| 2.6 | 12.4 | 14.3 | 15.5 | |
| 22.2% | 88.4% | 87.1% | 85.3% | |
| 0 | 0 | 0 | 0.1 | |
| – | 8.9 | 10 | 10.8 | |
| 0.2 | 0.2 | 0.3 | 0.3 | |
| 0 | – | −0 | 0 | |
| 2.4 | 3.4 | 4 | 4.5 | |
| 25.8% | 21.2% | 23.7% | 24.9% | |
| 1.8 | 2.7 | 3.1 | 3.4 | |
| – | +50.8% | +15.5% | +10.0% | |
| 2.53 | 3.82 | 4.41 | 4.85 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 7 | 7 | 7 | 7 | |
| 6.1 | 8.5 | 11.2 | 14.2 | |
| 69.2 | 79.7 | 87.8 | 103 | |
| 0.2 | 0.4 | 1.6 | 1.6 | |
| 82.4 | 95.6 | 108 | 126 | |
| 0.3 | 0.2 | 1.6 | 1.6 | |
| – | – | 0.9 | 1 | |
| 1.6 | 1.1 | 2.4 | 4.3 | |
| 80.5 | 94.2 | 103 | 119 | |
| 82.4 | 95.6 | 108 | 126 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1.6 | −1.8 | 5.1 | −2.1 | |
| −0.2 | −0 | −1.3 | −0.2 | |
| −0.3 | 1.3 | −2.5 | 4.2 | |
| 1.1 | −0.5 | 1.3 | 1.9 | |
| −0.2 | −0.1 | −0.4 | −0.1 | |
| 1.4 | −1.9 | 4.6 | −2.2 | |
| −0.3 | −0.3 | −0.4 | −0.4 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.