Check Before You Invest : Gujarat Lease Financing Ltd

Q: Which industry/sub-sector does Gujarat Lease Financing Ltd belong to?

Gujarat Lease Financing Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Gujarat Lease Financing Ltd a good quality company?

Gujarat Lease Financing 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 Lease Financing Ltd undervalued or overvalued?

Gujarat Lease Financing Ltd appears Fair, as its key valuation ratios are in line with 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: 412.08, Historic Median: 0.41. Price to Book, Current: -4.79, Historic Median: 0.39. Price to Sales, Current: -, Historic Median: 274.66. EV to EBITDA, Current: 476.36, Historic Median: 405.59

Q: Is Gujarat Lease Financing Ltd a good buy now?

Gujarat Lease Financing 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 Lease Financing Ltd?

Gujarat Lease Financing Ltd Operating Income growth is NA% for FY-2025, which is in line with its --year CAGR of N/A%, indicating stable growth.

Q: Does its ROIC exceed its WACC?

Gujarat Lease Financing Ltd return on invested capital (ROIC) is 1% 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 Lease Financing Ltd?

Gujarat Lease Financing Ltd Total Asset growth is 0.04% for FY-2025, which is below its 0-year CAGR of 17.03%, indicating slower growth.

Q: AUM Growth of Gujarat Lease Financing Ltd vs Industry Peers?

Gujarat Lease Financing Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 9.08%, indicating slower growth and losing its market share.

Q: Profit metrics (NPM, PPOP, RoA) of Gujarat Lease Financing Ltd vs industry peers

Gujarat Lease Financing Ltd profit metrics are below the industry median level of -1.22%, indicating weaker profitability compared to peers. Profit Metrics. NPM (%), Current: -, Industry Median: 3.22. PPOP (%), Current: -, Industry Median: -7.69. RoA (%), Current: -, Industry Median: 0.8

Q: Operating efficiency of Gujarat Lease Financing Ltd vs industry peers?

Gujarat Lease Financing Ltd ROCE (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. NPM (%), Current: -, Industry Median: 3.22. PPOP (%), Current: -, Industry Median: -7.69. RoA (%), Current: -, Industry Median: 0.8. ROCE (%), Current: 1, Industry Median: 1.8. ROE (%), Current: -, Industry Median: 0.9

Check Before You Invest : Gujarat Lease Financing Ltd

BSE: 500174 NSE: GLFL ISIN: INE540A01017

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Gujarat Lease Financing Ltd belong to?

Gujarat Lease Financing Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Gujarat Lease Financing Ltd a good quality company?

Gujarat Lease Financing 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 Lease Financing Ltd undervalued or overvalued?

Gujarat Lease Financing Ltd appears Fair, as its key valuation ratios are in line with 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	0-year Historic Median
Price to Earnings	412.08	0.41
Price to Book	-4.79	0.39
Price to Sales	-	274.66
EV to EBITDA	476.36	405.59

Q.4 Is Gujarat Lease Financing Ltd a good buy now?

Gujarat Lease Financing 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 Lease Financing Ltd?

Gujarat Lease Financing Ltd Operating Income growth is NA% for FY-2025, which is in line with its --year CAGR of N/A%, indicating stable growth.

Q.2 Does its ROIC exceed its WACC?

Gujarat Lease Financing Ltd return on invested capital (ROIC) is 1% 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.3 Total Asset growth of Gujarat Lease Financing Ltd?

Gujarat Lease Financing Ltd Total Asset growth is 0.04% for FY-2025, which is below its 0-year CAGR of 17.03%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Gujarat Lease Financing Ltd?

Q.1 Promoter shareholding and pledge status of Gujarat Lease Financing Ltd?

Promoters hold 45.67% of the Gujarat Lease Financing Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Gujarat Lease Financing Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Gujarat Lease Financing Ltd vs Industry Peers?

Gujarat Lease Financing Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 9.08%, indicating slower growth and losing its market share.

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

Gujarat Lease Financing Ltd profit metrics are below the industry median level of -1.22%, indicating weaker profitability compared to peers.

Profit Metrics

	Current Level	0-year Industry Median
NPM (%)	-	3.22
PPOP (%)	-	-7.69
RoA (%)	-	0.8

Q.3 Operating efficiency of Gujarat Lease Financing Ltd vs industry peers?

Gujarat Lease Financing Ltd ROCE (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	0-year Industry Median
NPM (%)	-	3.22
PPOP (%)	-	-7.69
RoA (%)	-	0.8
ROCE (%)	1	1.8
ROE (%)	-	0.9

Valuation & price assessment

Q.1 Stock return of Gujarat Lease Financing Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 14.4% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	14.4%	30%	35.9%	-0.3%

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

Valuation Ratios	Current	0-year Historic Median	0-year Industry Median
Price to Earnings	412.08	0.41	-
Price to Book	-4.79	0.39	-
Price to Sales	-	274.66	-
EV to EBITDA	476.36	405.59	-

Q.3 Valuation ratios of Gujarat Lease Financing Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of -4.79 is lower than its historical median of 0.39, indicating that the stock is trading below its historical average valuation.

Check more companies

1. Tata Invest Corp

2. Manappuram Finance

3. CreditAccess Grameen

4. IIFL Finance

5. Five Star Business

6. Edelweiss Financial

7. SBFC Finance

8. Bengal & Assam

9. MAS Financial Serv

10. Fedbank Financial

Check trending companies

1. Bajaj Housing Finance Ltd.

2. Hero MotoCorp Ltd.

3. Angel One Ltd.

4. IDFC First Bank Ltd.

5. Muthoot Finance Ltd.

Check Before You Invest : Gujarat Lease Financing 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.