Geojit Financial Services Ltd.

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geojit.comBSE: 532285NSE: GEOJITFSL

Market Cap₹ 2,187 Cr.

Current Price

High / Low₹ 86 / 51

Stock P/E33.0

Book Value₹ 37

Price to Book1.43

Dividend Yield1.91 %

ROCE9.9 %

ROE6.9 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Financial services: 95.2% • Software services: 4.8%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Solid return on assets for a lender - ROA of 5.9%
Asset quality is healthy - gross NPA of just 0.0%
Company has been maintaining a healthy dividend payout of 59.9%
Institutional investors have been accumulating - FII+DII up 7.3pp
Company has a consistent dividend-paying track record

CONS

Company is loss-making at the operating / net level
Capital adequacy is tight at 0.0% - limited headroom to grow
A large part of profit comes from other income (211.3% of PBT)
Recent results are weak - TTM profit is down 26.3% versus prior year
Promoter holding has decreased over last 2 years: -16.1pp
Company has a low return on capital employed of 7.5%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Stock Broking

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	MCX	3275.00	54.16	83509.83	0.24	413.44	103.47	702.00	88.10	48.10	70.40
2.	MOTILALOFS	1027.05	31.24	61861.61	0.58	1273.71	9.53	3425.76	25.49	12.68	57.49
3.	360ONE	1092.20	35.27	44514.20	1.10	330.53	16.11	1226.09	26.85	12.28	63.01
4.	NUVAMA	1735.60	29.56	32012.99	1.60	305.64	15.83	1376.22	22.59	17.52	52.80
5.	ANGELONE	305.00	27.01	27878.11	1.33	2313.98	1921.51	14296.91	1153.53	14.87	33.92
6.	CHOICEIN	758.85	71.12	16905.39	0.00	60.61	26.37	309.79	32.46	19.43	33.83
7.	IIFLCAPS	338.65	18.72	10673.53	0.89	184.16	4.92	631.48	3.13	23.27	35.76
8.	SHAREINDIA	199.05	11.98	4355.72	0.80	124.41	47.45	448.09	31.25	21.00	44.76
9.	ARSSBL	489.00	23.76	3083.95	1.02	23.35	2.35	246.10	22.37	19.72	39.54
10.	MONARCH	373.25	16.34	2960.18	0.27	45.18	-0.15	90.89	-7.25	33.26	66.00
11.	GEOJITFSL	78.34	30.15	2186.64	1.91	19.83	-30.83	160.40	7.46	9.35	20.55
12.	ALGOQUANT	64.67	40.01	1817.85	0.00	164.80	3610.04	778.70	1328.81	33.57	33.64

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	106	137	145	75	43	74	57	81	61	90	74	101	62
	75	85	92	96	73	90	83	93	77	102	93	118	108
Operating Profit	31	52	54	-21	-30	-16	-25	-13	-15	-11	-33	-16	-36
OPM %	29.27%	38.31%	36.93%	-28.00%	-68.37%	-21.23%	-43.95%	-15.52%	-25.39%	-12.26%	-44.70%	-15.79%	-57.89%
Other Income	6	2	2	47	42	47	48	48	48	49	55	48	66
Interest	2	3	4	1	1	1	1	1	1	1	1	2	2
Depreciation	7	7	7	6	6	6	7	7	7	8	8	9	9
	28	44	44	18	5	24	15	27	24	29	20	22	19
Tax %	25.55%	24.99%	24.41%	25.89%	35.57%	27.36%	25.47%	19.85%	26.17%	24.10%	23.80%	30.83%	25.59%
Net Profit	21	33	33	13	3	17	12	22	18	22	15	15	14
	1	1	1	2	2	2	1	1	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	244	304	284	285	404	481	420	187	256	328	327
	180	220	213	198	229	263	281	285	339	389	420
Operating Profit	65	84	71	87	175	218	138	-98	-83	-61	-92
OPM %	26.42%	27.68%	25.02%	30.57%	43.39%	45.37%	32.95%	-52.32%	-32.38%	-18.53%	-28.25%
	12	30	-6	-9	2	2	8	164	185	192	209
Interest	1	0	2	3	3	5	8	4	5	6	6
Depreciation	12	12	20	24	22	24	28	25	26	31	33
Profit before Tax	64	101	43	52	152	191	111	37	71	95	90
Tax %	40.17%	33.47%	42.80%	27.56%	25.06%	25.18%	19.16%	24.59%	24.60%	26.10%	25.98%
Net Profit	38	67	25	38	114	143	90	28	53	70	66
EPS	0.00	0.00	0.00	0.00	4.79	5.98	3.75	1.17	1.92	2.50	—
Dividend Payout %	76.84%	70.49%	97.08%	94.71%	73.11%	50.15%	40.04%	128.21%	78.33%	59.88%	—

COMPOUNDED SALES GROWTH

10 Years:: 4%
5 Years:: -4%
3 Years:: -8%

COMPOUNDED PROFIT GROWTH

10 Years:: 7%
5 Years:: -9%
3 Years:: -8%

STOCK PRICE CAGR

10 Years:: 9%
5 Years:: 2%
3 Years:: 19%
1 Year:: 3%

RETURN ON EQUITY

10 Years:: 13%
5 Years:: 12%
3 Years:: 6%
Last Year:: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	24	24	24	24	24	24	24	24	28	28
	372	412	379	345	436	537	556	654	966	994
	2	2	1	1	16	49	78	359	43	53
Trade Payables	7	10	8	10	22	19	18	47	39	44
	229	216	305	326	468	571	415	653	92	85
Total Liabilities	633	663	717	706	966	1,200	1,092	1,737	1,168	1,205
	55	55	85	80	71	80	95	108	103	126
Capital Work in Progress	0	0	0	0	0	0	0	0	1	2
	100	115	46	63	12	16	17	18	218	335
	0	0	0	0	0	0	0	112	20	27
Cash & Bank	180	188	208	372	565	673	542	860	397	113
	297	305	378	191	317	430	437	638	429	603
Total Assets	633	663	717	706	966	1,200	1,092	1,737	1,168	1,205

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	124	75	50	157	-48	126	70	-89	87	268
Cash from Investing	-60	3	47	-33	48	-10	-18	-13	-110	-241
Cash from Financing	1	-27	-63	-82	-31	-26	-60	173	-49	-61
	39	13	13	24	-63	40	-38	71	-72	-34

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	54.59	54.59	55.06	55.06	52.14	51.73	38.48	38.48	38.48
	3.37	3.77	3.31	3.42	3.53	2.96	2.58	1.87	1.58
	0.02	0.05	0.04	0.16	0.83	0.83	10.13	9.88	10.04
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	42.03	41.60	41.59	41.36	43.49	44.48	48.81	49.78	49.90

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-12

Credit Rating

2026-09-12 - Geojit Financial Services Limited has informed the Exchange about Credit Rating

2026-08-01

Change in Director(s)

2026-08-01 - Geojit Financial Services Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-07-29

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-29 - Geojit Financial Services Limited has informed the Exchange about Transcript

2026-07-28

Updates

2026-07-28 - Geojit Financial Services Limited has informed the Exchange regarding 'Submission of Application to Stock Exchanges for obtaining NoObjection Certificate for Promoter Reclassification'.

2026-07-28

Shareholders meeting

2026-07-28 - Geojit Financial Services Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 24, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-24

Shareholders meeting

2026-07-24 - Geojit Financial Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 24, 2026

2026-07-23

Copy of Newspaper Publication

2026-07-23 - Geojit Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-22

Investor Presentation

2026-07-22 - Geojit Financial Services Limited has informed the Exchange about Investor Presentation

2026-07-22

Press Release

2026-07-22 - Geojit Financial Services Limited has informed the Exchange regarding a press release dated July 22, 2026, titled "Q1 FY27 Earnings Press Release".

News

Recent coverage and analyst commentary for GEOJITFSL

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