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Gyftr Ltd.

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lkpfinance.comBSE: -NSE: GYFTR
Market Cap₹ 1,340 Cr.
Current Price
High / Low₹ 194 / 140
Stock P/E61.4
Book Value₹ 64
Price to Book1.43
Dividend Yield0.00 %
ROCE1.3 %
ROE0.5 %
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

  • 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

Financial ServicesFinanceFinance - Investment
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJFINSV1917.3030.28307163.220.086296.6718.1542036.9092.2211.8840.79
2.AIIL546.6522.1346422.910.0011082.201075.1914695.401109.3713.8588.91
3.CHOLAHLDNG1525.7510.7428650.150.091788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13000.0513.3526301.840.661173.5873.7717076.1840.0119.3916.25
5.CGCL266.1022.7125602.920.08353.38102.041576.4762.1211.6868.54
6.MAHSCOOTER13002.5553.3514860.051.693.32-90.615.41-81.521.0684.10
7.JSWHL11435.9592.4012693.480.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL124.7511.4811938.082.61368.57-19.661200.539.6911.9158.30
9.TSFINV437.2519.959711.492.55124.95-92.11305.57102.233.4753.35
10.RELIGARE256.95161.258857.930.00-46.98-674.862353.401051.764.71-2.08
11.KAMAHOLD2282.957.877326.121.82584.0210.804657.567.0720.8622.01
12.GYFTR174.4561.431339.920.005.28128.91158.191090.121.342.39
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Dec 2025Mar 2026Jun 2026
11-0212520232119-13-16-6301,582
1221-1101118101301,575
Operating Profit10-2202421132018-14-20-11038
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 Income000000000321146
Interest1121111111001
Depreciation00000000002014
9-4182320121917-15-198169
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 Profit000015101417-11-186653
5-212161281114-9-2401

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
1024276151996612890141,591
73175316402523913111,714
Operating Profit282424-1-21713819773-123
OPM %27.98%58.24%30.97%-10.30%-106.20%73.79%62.12%69.26%85.64%21.95%-7.76%
4233001701273
Interest2014522334531
Depreciation100000000016
Profit before Tax11122126-2370421673259
Tax %30.75%18.57%6.30%24.52%-0.00%12.80%12.74%12.51%18.92%25.17%30.84%
Net Profit7102020-2361371459241
EPS0.000.000.000.00-18.0948.2529.0911.0447.301.45—
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

Corporate actions

2026

Mar 6

4:1

Increase in Authorised Capital & Bonus issue

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital12121213131313131313
138110131157132241277284344334
1449656363646821218436
Trade Payables52601200100
3122-6-317146153
Total Liabilities350236202201180316385425456386
13332222220
37665011382205182246337178
3443270000000
0000000000
Cash & Bank61148822223049434637
2051113464748015313472170
Total Assets350236202201180316385425456386

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
24-6645-12-3-61251-107
Cash from Investing18-58-45188-5-56-10158
Cash from Financing-1016-45-27-493132-46-33
9320-740413-13-518

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
45.3245.3245.329.9561.2161.2150.0850.0850.08
5.627.207.204.422.562.614.984.435.10
0.000.000.000.000.000.094.034.634.41
Government0.000.000.000.000.000.000.000.000.00
49.0647.4847.4885.6336.2336.0940.9140.8640.41

Documents

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

2026-09-08
Copy of Newspaper Publication

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
Shareholders meeting

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
Copy of Newspaper Publication

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
Copy of Newspaper Publication

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
Resignation

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
Appointment

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
Outcome of Board Meeting

2026-08-14 - Gyftr Limited has informed the Exchange regarding Outcome of Board Meeting held on August 14, 2026.

2026-08-14
Resignation of Director/KMP/SMP

2026-08-14 - Gyftr Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-14
Outcome of Board Meeting

2026-08-14 - Outcome of Board Meeting held on August 14, 2026

News

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