Gyftr Ltd.

•

lkpfinance.comBSE: -NSE: GYFTR

Market Cap₹ 1,399 Cr.

Current Price

High / Low₹ 189 / 140

Stock P/E80.7

Book Value₹ 63

Price to Book1.43

Dividend Yield0.00 %

ROCE2.8 %

ROE3.0 %

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

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 676.0% YoY, showing strong momentum
Institutional investors have been accumulating - FII+DII up 6.9pp
Company generates healthy free cash flow

CONS

Company is loss-making at the operating / net level
Company has a low return on capital employed of 8.4%
Company has a low return on equity of 8.1% over last 3 years
Company's sales have been declining over the last five years
Operating margins have contracted to -44.0% from 72.3%
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 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJFINSV	1990.00	31.43	318810.21	0.08	62966.70	1081.55	420369.00	1091.26	11.88	40.79
2.	AIIL	510.20	20.65	43327.49	0.00	11082.20	1075.19	14695.40	1109.37	30.27	88.91
3.	CHOLAHLDNG	1487.10	10.46	27924.39	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13055.20	13.41	26413.42	0.66	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	256.20	21.86	24650.38	0.08	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13572.20	55.69	15511.08	1.62	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11458.70	92.58	12718.73	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	129.45	11.91	12387.85	2.51	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	403.15	18.39	8954.12	2.77	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	247.65	155.41	8537.33	0.00	-46.98	-674.86	2353.40	1051.76	-1.28	-2.08
11.	KAMAHOLD	2341.45	8.07	7513.85	1.77	584.02	10.80	4657.56	7.07	20.86	22.01
12.	GYFTR	182.15	64.14	1399.06	0.00	5.28	128.91	158.19	1090.12	1.34	2.39

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
	19	24	18	21	20	20	-14	-17	11	-7	-6	30	1,582
	2	1	-1	10	1	1	1	8	2	5	101	30	1,575
Operating Profit	17	23	20	11	19	19	-15	4	9	-13	-11	0	21
OPM %	91.46%	95.78%	108.17%	51.89%	95.71%	95.71%	103.81%	-20.44%	85.37%	173.29%	187.54%	0.57%	1.36%
Other Income	0	0	0	0	0	0	0	3	0	18	21	1	46
Interest	1	1	1	1	1	1	0	0	0	0	0	0	1
Depreciation	0	0	0	0	0	0	0	0	1	1	2	0	14
	16	22	19	10	18	18	-15	-8	8	3	8	1	53
Tax %	19.01%	16.70%	22.57%	16.38%	28.70%	28.70%	24.90%	19.66%	43.78%	-54.60%	30.51%	50.54%	30.61%
Net Profit	13	19	15	9	13	13	-11	-7	5	5	6	0	36
	10	15	12	7	10	10	-9	-1	4	5	4	0	0
Equity Capital	13	13	13	13	13	13	13	13	13	13	15	8	768
Reserves	0	0	0	0	0	0	0	0	0	0	0	0	0
Promoter Pledge %	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%

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	45	42	76	14	19	96	56	25	83	7	1,599
	19	17	53	16	40	25	22	8	13	11	1,712
Operating Profit	29	27	26	29	-20	72	40	17	71	-3	—
OPM %	63	64	35	198	-106	75	72	67	86	-43	—
Other Income	2	2	3	30	0	1	7	0	1	0	85
Interest	17	14	5	2	2	3	3	3	3	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	18
	12	12	21	26	-23	70	37	14	68	10	65
Tax %	25	18	6	25	0	13	12	10	19	-8	26
Net Profit	9	10	20	20	-23	61	33	12	55	10	48
EPS	0	0	0	0	-18	48	26	10	44	8	—
Dividend Payout %	96	24	13	19	-11	4	11	10	7	0	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	1	2	3	3	-3	9	5	2	8	2	—

COMPOUNDED SALES GROWTH

10 Years:: -22%
5 Years:: -18%
3 Years:: -49%

COMPOUNDED PROFIT GROWTH

10 Years:: -5%
5 Years:: —
3 Years:: -32%

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:: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	12	12	12	13	13	13	13	13	13	13
	145	112	133	159	134	243	275	281	337	334
	67	95	56	36	36	46	82	87	55	36
Trade Payables	3	6	0	1	2	0	0	1	0	0
	38	12	2	-6	-3	17	13	6	14	3
Total Liabilities	265	238	203	203	181	318	383	387	419	386
ASSETS	-	-	-	-	-	-	-	-	-	-
	1	1	2	0	0	0	0	0	0	0
	77	67	51	115	83	229	207	238	328	178
	33	43	27	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	41	14	88	22	22	10	23	17	21	37
	114	113	36	66	76	79	153	132	70	170
Total Assets	265	238	203	203	181	318	383	387	419	386
Total Debt	67	95	56	36	36	46	82	87	55	36
Net Working Capital	78	33	71	122	98	168	193	177	159	130
Contingent Liabilities	8	36	2	2	28	0	2	2	10	16
Book Value per Share	128.48	101.70	117.18	136.53	116.40	203.09	228.89	233.37	277.87	275.93
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	42	-8	58	-2	-14	-10	-16	14	52	-107
Cash from Investing	18	-5	8	-45	18	5	-7	-22	-17	144
Cash from Financing	-50	16	-45	-27	-4	9	32	-1	-40	-20
	11	3	20	-74	0	4	8	-9	-5	17
Free Cash Flow	42	-8	57	-2	-14	-10	-16	14	52	-107
OCF / Net Profit	4.76	-0.82	2.93	-0.08	0.62	-0.16	-0.49	1.17	0.94	-10.38
Cumulative 5-Year FCF	0	0	0	0	75	23	16	-27	26	-67

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	7.27	8.26	15.87	15.77	-18.05	48.32	26.10	9.70	43.80	8.21
Book Value (₹)	128.48	101.70	117.18	136.53	116.40	203.09	228.89	233.37	277.87	275.93
Dividend per Share (₹)	7.00	2.00	2.00	3.00	2.00	2.00	3.00	1.00	3.00	0.00
Cash EPS (₹)	1.40	1.59	3.05	3.01	-3.43	9.19	4.97	1.85	8.34	1.57
PROFITABILITY
Operating Margin %	63.24%	63.96%	34.54%	198.24%	-105.77%	75.46%	72.32%	66.66%	84.72%	-44.00%
Net Margin %	19.55%	24.14%	25.83%	136.95%	-117.17%	63.51%	59.07%	48.74%	66.68%	139.97%
ROE %	5.64%	7.18%	14.62%	12.50%	-14.27%	30.25%	12.09%	4.20%	17.14%	2.97%
ROCE %	11.71%	11.97%	12.41%	13.98%	-10.51%	29.86%	11.97%	4.43%	18.11%	2.80%
	3.24%	4.01%	8.94%	9.76%	-11.81%	24.32%	9.36%	3.17%	13.67%	2.57%
EFFICIENCY
Debtor Days	88	91	0	394	257	36	29	18	0	0
Inventory Days	293	330	166	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	381	421	166	394	257	36	29	18	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.43x	0.77x	0.38x	0.21x	0.25x	0.18x	0.29x	0.30x	0.16x	0.10x
Interest Coverage (x)	1.71x	1.87x	5.13x	12.25x	-9.32x	28.65x	13.71x	5.49x	22.02x	7.74x
	1.73x	1.29x	2.23x	4.23x	3.34x	4.06x	3.15x	2.99x	3.68x	4.44x
GROWTH
Revenue Growth %	-45.63%	-8.07%	82.91%	-81.04%	33.78%	393.96%	-41.93%	-54.98%	230.25%	-91.07%
Operating Profit Growth %	-28.02%	-7.02%	-1.21%	8.83%	-171.38%	452.39%	-44.34%	-58.51%	326.70%	-104.50%
Net Profit Growth %	-49.98%	13.53%	95.72%	0.54%	-214.45%	367.74%	-45.98%	-62.85%	351.76%	-81.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	351.76%	-81.25%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	3.35x	45.53x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.55x	1.43x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.95%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	3.21x	-154.07x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	45.32	45.32	45.32	9.95	61.21	61.21	50.08	50.08	50.08
	5.62	7.20	7.20	4.42	2.56	2.61	4.98	4.43	5.10
	0.00	0.00	0.00	0.00	0.00	0.09	4.03	4.63	4.41
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	49.06	47.48	47.48	85.63	36.23	36.09	40.91	40.86	40.41

Documents

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

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

2026-08-14

Agreements

2026-08-14 - Gyftr Limited has informed the Exchange that company has entered into a Service Agreement dated August 14, 2026 with Punjab National Bank

2026-07-10

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-10 - Gyftr Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

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