Gyftr Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Promoters have been increasing their shareholding - up 4.8pp over 2 years
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.6%
- Latest quarter profit grew 128.9% YoY, showing strong momentum
- Company has consistently been profitable over the last 5 years
CONS
- Company has a low return on capital employed of 8.2%
- Company has a low return on equity of 7.8% over last 3 years
- Company's sales have been declining over the last five years
- Operating margins have contracted to 22.0% from 73.4%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| GYFTR | 174.45 | 61.43 | 1339.92 | 0.00 | 5.28 | 128.91 | 158.19 | 1090.12 | 1.34 | 2.39 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 11 | -0 | 21 | 25 | 20 | 23 | 21 | 19 | -13 | -16 | -6 | 30 | 1,582 | |
| 1 | 2 | 2 | 1 | -1 | 10 | 1 | 1 | 1 | 8 | 101 | 30 | 1,575 | |
| Operating Profit | 10 | -2 | 20 | 24 | 21 | 13 | 20 | 18 | -14 | -20 | -11 | 0 | 38 |
| OPM % | 92.39% | 1338.89% | 92.19% | 95.90% | 107.46% | 55.64% | 95.42% | 92.62% | 105.67% | 122.15% | 187.54% | 0.57% | 2.39% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 21 | 1 | 46 |
| Interest | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 14 |
| 9 | -4 | 18 | 23 | 20 | 12 | 19 | 17 | -15 | -19 | 8 | 1 | 69 | |
| Tax % | 25.92% | 16.00% | 19.55% | 16.77% | 22.64% | 16.04% | 27.13% | 0.34% | 25.41% | 4.20% | 30.51% | 50.54% | 23.35% |
| Net Profit | 0 | 0 | 0 | 0 | 15 | 10 | 14 | 17 | -11 | -18 | 6 | 6 | 53 |
| 5 | -2 | 12 | 16 | 12 | 8 | 11 | 14 | -9 | -2 | 4 | 0 | 1 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 102 | 42 | 76 | 15 | 19 | 96 | 61 | 28 | 90 | 14 | 1,591 | |
| 73 | 17 | 53 | 16 | 40 | 25 | 23 | 9 | 13 | 11 | 1,714 | |
| Operating Profit | 28 | 24 | 24 | -1 | -21 | 71 | 38 | 19 | 77 | 3 | -123 |
| OPM % | 27.98% | 58.24% | 30.97% | -10.30% | -106.20% | 73.79% | 62.12% | 69.26% | 85.64% | 21.95% | -7.76% |
| 4 | 2 | 3 | 30 | 0 | 1 | 7 | 0 | 1 | 2 | 73 | |
| Interest | 20 | 14 | 5 | 2 | 2 | 3 | 3 | 4 | 5 | 3 | 1 |
| Depreciation | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16 |
| Profit before Tax | 11 | 12 | 21 | 26 | -23 | 70 | 42 | 16 | 73 | 2 | 59 |
| Tax % | 30.75% | 18.57% | 6.30% | 24.52% | -0.00% | 12.80% | 12.74% | 12.51% | 18.92% | 25.17% | 30.84% |
| Net Profit | 7 | 10 | 20 | 20 | -23 | 61 | 37 | 14 | 59 | 2 | 41 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -18.09 | 48.25 | 29.09 | 11.04 | 47.30 | 1.45 | — |
| Dividend Payout % | 115.55% | 24.36% | 12.63% | 19.04% | -11.06% | 4.14% | 10.31% | 9.06% | 6.34% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -21%
- 5 Years:
- -6%
- 3 Years:
- -39%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -20%
- 5 Years:
- —
- 3 Years:
- -63%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 9%
- 5 Years:
- 13%
- 3 Years:
- 8%
- Last Year:
- 1%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12 | 12 | 12 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
| 138 | 110 | 131 | 157 | 132 | 241 | 277 | 284 | 344 | 334 | |
| 144 | 96 | 56 | 36 | 36 | 46 | 82 | 121 | 84 | 36 | |
| Trade Payables | 52 | 6 | 0 | 1 | 2 | 0 | 0 | 1 | 0 | 0 |
| 3 | 12 | 2 | -6 | -3 | 17 | 14 | 6 | 15 | 3 | |
| Total Liabilities | 350 | 236 | 202 | 201 | 180 | 316 | 385 | 425 | 456 | 386 |
| 13 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 0 | |
| 37 | 66 | 50 | 113 | 82 | 205 | 182 | 246 | 337 | 178 | |
| 34 | 43 | 27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 61 | 14 | 88 | 22 | 22 | 30 | 49 | 43 | 46 | 37 |
| 205 | 111 | 34 | 64 | 74 | 80 | 153 | 134 | 72 | 170 | |
| Total Assets | 350 | 236 | 202 | 201 | 180 | 316 | 385 | 425 | 456 | 386 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 24 | -6 | 64 | 5 | -12 | -3 | -6 | 12 | 51 | -107 | |
| Cash from Investing | 18 | -5 | 8 | -45 | 18 | 8 | -5 | -56 | -10 | 158 |
| Cash from Financing | -10 | 16 | -45 | -27 | -4 | 9 | 31 | 32 | -46 | -33 |
| 9 | 3 | 20 | -74 | 0 | 4 | 13 | -13 | -5 | 18 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Gyftr Limited has informed the Exchange about Copy of Newspaper Publication regarding notice of 42nd Annual General Meeting and e-voting information published on September 8, 2026
2026-09-07 - Gyftr Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 29, 2026
2026-09-06 - Gyftr Limited has informed the Exchange about Copy of Newspaper Publication regarding 42nd Annual General Meeting Scheduled to be held on September 29, 2026
2026-08-15 - Gyftr Limited has informed the Exchange about Copy of Newspaper Publication for Unaudited Financial Results (Standalone & Consolidated) for the quarter ended June 30, 2026
2026-08-14 - Gyftr Limited has informed the Exchange regarding Resignation of Mr. Kapil Garg and Ms. Gunjan Jain as Non- Executive Director of the company w.e.f. August 14, 2026.
2026-08-14 - Gyftr Limited has informed the Exchange regarding Appointment of Mr. Arvind Prabhakar and Ms. Puja Punj as Non- Executive Director of the company w.e.f. August 14, 2026.
2026-08-14 - Gyftr Limited has informed the Exchange regarding Outcome of Board Meeting held on August 14, 2026.
2026-08-14 - Gyftr Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-08-14 - Outcome of Board Meeting held on August 14, 2026
News
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