Check Before You Invest : Gujarat State Financial Corporation Ltd

Q: Which industry/sub-sector does Gujarat State Financial Corporation Ltd belong to?

Gujarat State Financial Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance Term Lending segment.

Q: Is Gujarat State Financial Corporation Ltd a good quality company?

Gujarat State Financial Corporation Ltd is a quality company, based on a 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 Gujarat State Financial Corporation Ltd undervalued or overvalued?

Gujarat State Financial Corporation 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: -, Historic Median: -. Price to Book, Current: -0.03, Historic Median: -0.03. Price to Sales, Current: 237.87, Historic Median: 75.98. EV to EBITDA, Current: 53.86, Historic Median: 68.43

Q: Is Gujarat State Financial Corporation Ltd a good buy now?

Gujarat State Financial Corporation Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Operating Income growth is -15.45% for FY-2025, which is below its 5-year CAGR of -2.13%, indicating slower growth.

Q: Return on Assets of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Return on Asset is -58.8%, which is above its 5-year historical median of -67.6%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: -730.12, Historic Median: -890.29. PPOP (%), Current: 5.14, Historic Median: 3.91. RoA (%), Current: -58.8, Historic Median: -67.6

Q: Pre-provisioning operating profit margin of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 5.14% for FY-2025, which is above its 5-year median(3.91%), indicating increasing margins.

Q: Net Profit Margin of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation 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 -730.12% for FY-2025, which is above its 5-year median( -890.29%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Gujarat State Financial Corporation Ltd return on invested capital (ROIC) is 1.19% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q: Total Asset growth of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Total Asset growth is 6.69% for FY-2025, which is above its 5-year CAGR of 5.89%, indicating faster growth.

Check Before You Invest : Gujarat State Financial Corporation Ltd

Snapshot

Q.1 Which industry/sub-sector does Gujarat State Financial Corporation Ltd belong to?

Gujarat State Financial Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance Term Lending segment.

Q.2 Is Gujarat State Financial Corporation Ltd a good quality company?

Gujarat State Financial Corporation Ltd is a quality company, based on a 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 Gujarat State Financial Corporation Ltd undervalued or overvalued?

Gujarat State Financial Corporation 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	-	-
Price to Book	-0.03	-0.03
Price to Sales	237.87	75.98
EV to EBITDA	53.86	68.43

Q.4 Is Gujarat State Financial Corporation Ltd a good buy now?

Gujarat State Financial Corporation Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. 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 Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Operating Income growth is -15.45% for FY-2025, which is below its 5-year CAGR of -2.13%, indicating slower growth.

Q.2 Return on Assets of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Return on Asset is -58.8%, which is above its 5-year historical median of -67.6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	-730.12	-890.29
PPOP (%)	5.14	3.91
RoA (%)	-58.8	-67.6

Q.3 Pre-provisioning operating profit margin of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 5.14% for FY-2025, which is above its 5-year median(3.91%), indicating increasing margins.

Q.4 Net Profit Margin of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation 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 -730.12% for FY-2025, which is above its 5-year median( -890.29%), indicating increasing margins.

Q.5 Does its ROIC exceed its WACC?

Gujarat State Financial Corporation Ltd return on invested capital (ROIC) is 1.19% 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.6 Total Asset growth of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Total Asset growth is 6.69% for FY-2025, which is above its 5-year CAGR of 5.89%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.7 Capital Adequacy ratio of Gujarat State Financial Corporation Ltd?

Gujarat State Financial Corporation Ltd Capital Adequacy ratio (CAR) is -768.95% for FY-2025, which is below the regulatory requirement of 15%, indicating adequate capital position.

Ownership & governance

D: Promoter shareholding and pledge status of Gujarat State Financial Corporation Ltd?

Q.1 Promoter shareholding and pledge status of Gujarat State Financial Corporation Ltd?

Promoters hold 83.95% of the Gujarat State Financial Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Gujarat State Financial Corporation Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Gujarat State Financial Corporation Ltd vs Industry Peers?

Gujarat State Financial Corporation Ltd AUM CAGR is 5.89%, compared to the 5-year industry median CAGR of 3.91%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Gujarat State Financial Corporation Ltd vs industry peers

Gujarat State Financial Corporation Ltd profit metrics are in line with the industry median level of 3.09%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	-730.12	4.47
PPOP (%)	5.14	3.91
RoA (%)	-58.8	0.9

Q.3 Operating efficiency of Gujarat State Financial Corporation Ltd vs industry peers?

Gujarat State Financial Corporation Ltd ROCE (0) is below the industry median of (6.4); while the current ROE (1.31) are below than the 5-year average Industry ROE (1.4). This shows that the business is positioned in the bottom quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	-730.12	4.47
PPOP (%)	5.14	3.91
RoA (%)	-58.8	0.9
ROCE (%)	-	6.4
ROE (%)	-	1.4

Valuation & price assessment

Q.1 Stock return of Gujarat State Financial Corporation Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 16% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	16%	28.5%	18.1%	-38.8%

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	-	-	13.42
Price to Book	-0.03	-0.03	1.13
Price to Sales	237.87	75.98	4.78
EV to EBITDA	53.86	68.43	10.31

Q.3 Valuation ratios of Gujarat State Financial Corporation Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of -0.03 is lower than its historical median of -0.03, indicating that the stock is trading below its historical average valuation.

Check more companies

1. IFCI

2. Tourism Finance Corp

3. Satin Creditcare

4. Haryana Finanl. Corp

5. Finbud Financial

6. Guj. State Fin. Corp

7. TruCap Finance

8. Mahaveer Finance Ind

9. NHIT

10. Phoenix Real Time

Check trending companies

1. Piramal Pharma Ltd.

2. JB Chemicals & Pharmaceuticals Ltd.

3. Cohance Lifesciences Ltd.

4. Anant Raj Ltd.

5. Yes Bank Ltd.

Check Before You Invest : Gujarat State Financial Corporation Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.