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INVESTMENT INSIGHTS

Check Before You Invest : Golden Legand Leasing & Finance Ltd

BSE: 509024 NSE: ISIN: INE088E01019
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Golden Legand Leasing & Finance Ltd belong to?
Golden Legand Leasing & Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is Golden Legand Leasing & Finance Ltd a good quality company?
Golden Legand Leasing & Finance 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 Golden Legand Leasing & Finance Ltd undervalued or overvalued?
Golden Legand Leasing & Finance 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 2.06 -
Price to Book 0.65 10.92
Price to Sales 8.1 -
EV to EBITDA -1.13 -1.10
Q.4 Is Golden Legand Leasing & Finance Ltd a good buy now?
Golden Legand Leasing & Finance 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 Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance Ltd Operating Income growth is 14275.38% for FY-2025, which is above its 5-year CAGR of 38.98%, indicating faster growth.

Q.2 Return on Assets of Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance Ltd Return on Asset is -6.6%, which is below its 5-year historical median of -0.5%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM (%) -23.54 -23.54
PPOP (%) 51.45 51.45
RoA (%) -6.6 -0.5

Q.3 Return on Equity (ROE) of Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance Ltd Return on Equity is -17.6% for FY-2025, which is below its 5-year historical median of -0.8%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 51.45% for FY-2025, which is in line with its 5-year median(51.45%), indicating stable margins.

Q.5 Net Profit Margin of Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance 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 -23.54% for FY-2025, which is in line with its 5-year median( -23.54%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?
Golden Legand Leasing & Finance Ltd return on invested capital (ROIC) is -9.79% 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 Golden Legand Leasing & Finance Ltd?
Golden Legand Leasing & Finance Ltd Total Asset growth is 46.62% for FY-2025, which is above its 5-year CAGR of 14.32%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of Golden Legand Leasing & Finance Ltd?

Q.1 Promoter shareholding and pledge status of Golden Legand Leasing & Finance Ltd?
Promoters hold 0.00% of the Golden Legand Leasing & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Golden Legand Leasing & Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Golden Legand Leasing & Finance Ltd vs Industry Peers?
Golden Legand Leasing & Finance Ltd AUM CAGR is 14.32%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Golden Legand Leasing & Finance Ltd vs industry peers
Golden Legand Leasing & Finance Ltd profit metrics are in line with the industry median level of 4.76%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) -23.54 12.87
PPOP (%) 51.45 -
RoA (%) -6.6 1.4

Q.3 Operating efficiency of Golden Legand Leasing & Finance Ltd vs industry peers?
Golden Legand Leasing & Finance Ltd ROCE (-0.8) is below the industry median of (4.15); while the current ROE (-0.8) are below than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the bottom quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) -23.54 12.87
PPOP (%) 51.45 -
RoA (%) -6.6 1.4
ROCE (%) -11.2 4.15
ROE (%) -17.6 2.3

Valuation & price assessment

Q.1 Stock return of Golden Legand Leasing & Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -22.7% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 -22.7% -40.2% -57.5% 10.7%
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 2.06 - 29.12
Price to Book 0.65 10.92 1.11
Price to Sales 8.1 - 9.10
EV to EBITDA -1.13 -1.10 11.77
Q.3 Valuation ratios of Golden Legand Leasing & Finance Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0.65 is lower than its historical median of 10.92, indicating that the stock is trading below its historical average valuation.

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