Check Before You Invest : Gyftr Ltd

Snapshot

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

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

Q.2 Is Gyftr Ltd a good quality company?

Gyftr Ltd is a weak quality company, based on a inconsistent 10-year financial track record.

Q.3 Is Gyftr Ltd undervalued or overvalued?

Gyftr Ltd appears Overvalued, as its key valuation ratios are above with their past averages.

Q.4 Is Gyftr Ltd a good buy now?

Gyftr 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

Q.1 Total Income growth of Gyftr Ltd?

Gyftr Ltd Operating Income growth is -91.06% for FY-2025, which is below its 5-year CAGR of -17.54%, indicating slower growth.

Q.2 Return on Assets of Gyftr Ltd?

Gyftr Ltd Return on Asset is 2.6%, which is below its 5-year historical median of 9.4%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	139.97	63.51
PPOP%	-79.45	-38.75
RoA%	2.6	9.4

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

Gyftr Ltd Return on Equity is 3% for FY-2025, which is below its 5-year historical median of 12.1%, indicating the business is making worse use of its shareholders capital.

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

Gyftr Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -79.45% for FY-2025, which is below its 5-year median(-38.75%), indicating decreasing margins.

Q.5 Net Profit Margin of Gyftr Ltd?

Gyftr 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 139.97% for FY-2025, which is above its 5-year median( 63.51%), indicating increasing margins.

Q.6 Total Asset growth of Gyftr Ltd?

Gyftr Ltd Total Asset growth is -7.88% for FY-2025, which is below its 5-year CAGR of 16.35%, indicating slower growth.

Q.7 Capital Adequacy ratio of Gyftr Ltd?

Gyftr Ltd Capital Adequacy ratio (CAR) is 101.35% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

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

Promoters hold 50.08% of the Gyftr Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

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

Gyftr Ltd AUM CAGR is 16.35%, compared to the 5-year industry median CAGR of 9.45%, indicating faster growth and gaining its market share.

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

Gyftr Ltd profit metrics are in line with the industry median level of -0.85%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	139.97	9.95
PPOP%	-79.45	-13.31
RoA%	2.6	0.8

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

Gyftr Ltd ROCE (12) is above the industry median of (1.9); while the current ROE (12.1) are above than the 5-year average Industry ROE (1.2). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	139.97	9.95
PPOP%	-79.45	-13.31
RoA%	2.6	0.8
ROCE%	2.8	1.9
ROE%	3	1.2

Valuation & price assessment

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

Over the last 9 years, the stock has delivered a CAGR of 30.3% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	30.3%	69.6%	137.3%	168.7%

Q.3 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	169.23	4.79	33.72
Price to Book	3.6	0.53	0.94
Price to Sales	-91.36	3.76	12.44
EV to EBITDA	637.22	3.84	9.97

Q.4 Valuation ratios of Gyftr Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 3.6% is higher than its historical median of 0.53%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Gyftr Ltd return on invested capital (ROIC) is 2.88% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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