Check Before You Invest : GFL Ltd

Q: Which industry/sub-sector does GFL Ltd belong to?

GFL Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q: Is GFL Ltd a good quality company?

GFL Ltd is a weak quality company, based on a inconsistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is GFL Ltd undervalued or overvalued?

GFL Ltd appears Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 321.3, Historic Median: 0.41. Price to Book, Current: 0.21, Historic Median: 0.39. Price to Sales, Current: 153.12, Historic Median: 274.66. EV to EBITDA, Current: 252.33, Historic Median: 405.59

Q: Is GFL Ltd a good buy now?

GFL Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of GFL Ltd?

GFL Ltd Operating Income growth is 3.79% for FY-2025, which is above its 5-year CAGR of -15.89%, indicating faster growth.

Q: Return on Assets of GFL Ltd?

GFL Ltd Return on Asset is -1.2%, which is below its 5-year historical median of 0.1%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -1026.11, Historic Median: 48.38. PPOP (%), Current: -, Historic Median: -99.92. RoA (%), Current: -1.2, Historic Median: 0.1

Q: Return on Equity (ROE) of GFL Ltd?

GFL Ltd Return on Equity is -1.3% for FY-2025, which is below its 5-year historical median of 0.1%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of GFL Ltd?

GFL Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 0% for FY-2025, which is above its 5-year median(-99.92%), indicating increasing margins.

Q: Net Profit Margin of GFL Ltd?

GFL Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is -1026.11% for FY-2025, which is below its 5-year median( 48.38%), indicating decreasing margins.

Q: Does its ROIC exceed its WACC?

GFL Ltd return on invested capital (ROIC) is -1.3% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : GFL Ltd

Snapshot

Q.1 Which industry/sub-sector does GFL Ltd belong to?

GFL Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.

Q.2 Is GFL Ltd a good quality company?

GFL Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is GFL Ltd undervalued or overvalued?

GFL Ltd appears Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	321.3	0.41
Price to Book	0.21	0.39
Price to Sales	153.12	274.66
EV to EBITDA	252.33	405.59

Q.4 Is GFL Ltd a good buy now?

GFL Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of GFL Ltd?

GFL Ltd Operating Income growth is 3.79% for FY-2025, which is above its 5-year CAGR of -15.89%, indicating faster growth.

Q.2 Return on Assets of GFL Ltd?

GFL Ltd Return on Asset is -1.2%, which is below its 5-year historical median of 0.1%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-1026.11	48.38
PPOP (%)	-	-99.92
RoA (%)	-1.2	0.1

Q.3 Return on Equity (ROE) of GFL Ltd?

GFL Ltd Return on Equity is -1.3% for FY-2025, which is below its 5-year historical median of 0.1%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of GFL Ltd?

GFL Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 0% for FY-2025, which is above its 5-year median(-99.92%), indicating increasing margins.

Q.5 Net Profit Margin of GFL Ltd?

GFL Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is -1026.11% for FY-2025, which is below its 5-year median( 48.38%), indicating decreasing margins.

Q.6 Does its ROIC exceed its WACC?

GFL Ltd return on invested capital (ROIC) is -1.3% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of GFL Ltd?

GFL Ltd Total Asset growth is 0.04% for FY-2025, which is below its 5-year CAGR of 17.03%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of GFL Ltd?

Q.1 Promoter shareholding and pledge status of GFL Ltd?

Promoters hold 68.72% of the GFL Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does GFL Ltd performance compare with that of its Peers?

Q.1 AUM Growth of GFL Ltd vs Industry Peers?

GFL Ltd AUM CAGR is 17.03%, compared to the 5-year industry median CAGR of 9.08%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of GFL Ltd vs industry peers

GFL Ltd profit metrics are in line with the industry median level of -1.22%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	-1026.11	3.22
PPOP (%)	-	-7.69
RoA (%)	-1.2	0.8

Q.3 Operating efficiency of GFL Ltd vs industry peers?

GFL Ltd ROCE (0.1) is below the industry median of (1.8); while the current ROE (0.1) are below than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	-1026.11	3.22
PPOP (%)	-	-7.69
RoA (%)	-1.2	0.8
ROCE (%)	0.1	1.8
ROE (%)	-1.3	0.9

Valuation & price assessment

Q.1 Stock return of GFL Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -20.8% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-20.8%	-6.8%	-4.5%	-4.1%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	321.3	0.41	33.75
Price to Book	0.21	0.39	0.95
Price to Sales	153.12	274.66	12.43
EV to EBITDA	252.33	405.59	10.00

Q.3 Valuation ratios of GFL Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.21 is lower than its historical median of 0.39, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : GFL Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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