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Gujarat Lease Financing Ltd.

•
gujaratleasefinancing.co.inBSE: 500174NSE: GLFL
Market Cap₹ 16 Cr.
Current Price
High / Low₹ 9 / 4
Stock P/E576.4
Book Value₹ -2
Price to Book-3.55
Dividend Yield0.00 %
ROCE0.8 %
ROE0.0 %
Face Value₹ 10

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ABOUT

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

  • Asset quality is healthy - gross NPA of just 0.0%
  • Company generates healthy free cash flow

CONS

  • Net worth is negative - accumulated losses have eroded equity
  • Capital adequacy is tight at 0.0% - limited headroom to grow
  • A large part of profit comes from other income (903.0% of PBT)
  • Company has a low return on capital employed of 1.1%
  • Company has a low return on equity of 0.0% over last 3 years

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

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1045.1032.05650674.480.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1049.0021.81246827.971.033452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1858.0027.59158685.460.111656.2245.568856.2921.899.7070.07
4.TATACAP371.7029.20157781.780.1516281.801464.1688219.301051.008.6675.72
5.JIOFIN237.7075.95156956.680.25830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11150.0014.01124092.261.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2935.0010.36117831.001.022824.8443.088671.6036.2515.8783.76
8.ABCAPITAL399.1026.62109254.110.001223.8543.8512179.54137.848.8241.91
9.LTF315.0024.8178950.110.87915.9930.705212.9222.388.5462.13
10.SBICARD657.0027.4862522.950.38664.4419.515040.557.6011.7529.83
11.HDBFS692.9026.4557563.700.58785.2038.314937.9018.719.0957.98
12.GLFL5.95576.4216.140.00-0.08-33.330.00—0.80—
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
0000000000000
0000000000000
Operating Profit-0-0-0-0-0-0-0-0-0-0-0-0-0
OPM %—————————————
0000000000000
Interest0000000000000
Depreciation0000000000000
Profit before Tax-0-000-0000-0000-0
Tax %-0.00%-0.00%0.00%0.00%-0.00%0.00%0.00%0.00%-0.00%0.00%0.00%0.00%-0.00%
Net Profit-0-000-0000-0000-0
-0.020.000.040.02-0.020.010.020.02-0.020.010.010.02-0.03

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
00000000000
00110000000
Operating Profit-0-0-1-1-0-0-0-0-0-0-0
OPM %———————————
00010010000
Interest00000000000
Depreciation00000000000
Profit before Tax-0-0-00-0-000000
Tax %-0.00%-0.00%-9.93%-1.07%-0.00%-0.00%0.00%0.00%0.00%0.00%0.00%
Net Profit-0-0-00-0-000000
EPS0.000.000.000.00-0.13-0.030.070.030.020.02—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
—
3 Years:
—

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
—
3 Years:
-37%

STOCK PRICE CAGR

10 Years:
12%
5 Years:
14%
3 Years:
16%
1 Year:
-6%

RETURN ON EQUITY

10 Years:
0%
5 Years:
0%
3 Years:
0%
Last Year:
0%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital27272727272727272727
-45-35-33-34-32-32-31-31-31-31
33151510101010101010
Total Liabilities16894666666
16893000000
Cash & Bank0000651606
0000015060
Total Assets16894666666

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-0-0-1-1-6-00-1-05
Cash from Investing0006600000
Cash from Financing-000-5000000
-00-000-00-106

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)-0.10-0.14-0.140.02-0.13-0.030.070.030.020.02
Book Value (₹)-6.41-2.73-2.31-2.48-1.61-1.64-1.57-1.53-1.51-1.50
Dividend per Share (₹)0.000.000.000.000.000.000.000.000.000.00
Cash EPS (₹)-0.09-0.13-0.130.03-0.12-0.020.070.030.020.02
PROFITABILITY
Operating Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Net Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
ROE %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
ROCE %-2.78%-3.14%-4.24%1.20%-7.72%-1.46%3.28%1.50%1.00%0.80%
-0.95%-3.02%-4.38%1.02%-7.24%-1.38%3.07%1.40%0.93%0.74%
EFFICIENCY
Debtor Days0000000000
Inventory Days0000000000
Payable Days0000000000
0000000000
FINANCIAL HEALTH
Debt to Equity (x)-1.91x-2.04x-2.41x-1.49x-2.30x-2.26x-2.36x-2.43x-2.46x-2.48x
Interest Coverage (x)-905.00x-738.60x-348.30x10.23x-101.68x-204.50x371.60x218.00x147.50x118.75x
0.40x0.46x0.22x0.43x17.53x15.18x2.21x15.44x1.39x13.61x
GROWTH
Revenue Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Operating Profit Growth %-99.68%-39.44%6.30%130.00%-430.25%81.84%439.11%-55.34%-31.71%-18.74%
Net Profit Growth %-79.41%-36.06%-3.84%117.24%-627.34%76.45%325.43%-53.16%-32.49%-19.62%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%-53.16%-32.50%-19.44%
VALUATION
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x253.13x287.04x305.75x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x-5.29x-4.11x-3.55x
Dividend Yield %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
0.00x0.00x0.00x0.00x0.00x0.00x0.00x293.50x437.54x375.61x

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
45.6745.6745.6745.6745.6745.6745.6745.6745.67
FIIs0.000.000.000.000.000.000.000.000.00
0.010.010.010.010.010.010.010.010.01
Government0.000.000.000.000.000.000.000.000.00
Public54.3254.3254.3254.3254.3154.3254.3254.3154.32

Documents

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

2026-07-30
Outcome of Board Meeting

2026-07-30 - Gujarat Lease Financing Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-07-14
Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-14 - Gujarat Lease Financing Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-02
Shareholders meeting

2026-07-02 - Gujarat Lease Financing Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 02, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-02
Shareholders meeting

2026-07-02 - Gujarat Lease Financing Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 02, 2026

2026-06-26
Trading Window

2026-06-26 - Gujarat Lease Financing Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

2026-06-11
Copy of Newspaper Publication

2026-06-11 - Gujarat Lease Financing Limited has informed the Exchange about Copy of Newspaper Publication for 43rd Annual General Meeting of the Company

2026-06-09
Shareholders meeting

2026-06-09 - Gujarat Lease Financing Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on July 02, 2026

2026-06-06
Copy of Newspaper Publication

2026-06-06 - Gujarat Lease Financing Limited has informed the Exchange about Copy of Newspaper Publication for intimation of 43rd Annual General Meeting of the Company

2026-06-05
Disclosure under SEBI Takeover Regulations

2026-06-05 - Torrent Investments Limited (formerly known as Torrent Investments Private Limited) has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.

News

Recent coverage and analyst commentary for GLFL

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