Is Gyftr Ltd (LKPMERFIN) a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Gyftr Ltd is a below average quality company .

Is Gyftr Ltd (LKPMERFIN) undervalued or overvalued?

The key valuation ratios of Gyftr Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone .

What is Gyftr Ltd (LKPMERFIN) share price return in the past 10 years?

Gyftr Ltd share price has appreciated 31% annually (CAGR) over the past ten years.

Is Gyftr Ltd (LKPMERFIN) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Gyftr Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of Gyftr Ltd (LKPMERFIN)?

Company share prices are keep on changing according to the market conditions. The current trading price of Gyftr Ltd (LKPMERFIN) on 30-Apr-2026 16:59:59 at 16:59 is 204.95.

What is the P/E ratio of Gyftr?

The latest standalone P/E ratio of Gyftr as of 30-Apr-2026 is 173.12.

What is the P/B ratio of Gyftr Ltd (LKPMERFIN)?

The latest standalone P/B ratio of Gyftr Ltd (LKPMERFIN) as of 30-Apr-2026 is 3.68.

What is the 52-week high and low of Gyftr Ltd (LKPMERFIN)?

The 52-week high of Gyftr Ltd (LKPMERFIN) is Rs. 235.96 and the 52-week low is Rs. 70.54.

Gyftr Ltd (LKPMERFIN) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Gyftr Ltd (LKPMERFIN)
Brand: Gyftr

Gyftr Ltd (LKPMERFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Gyftr Ltd (LKPMERFIN)

BSE: 507912 NSE: LKPMERFIN

Key Metrics

Market Cap

₹1,574 Cr.

Earnings Per Share (TTM)

₹1.18

P/E Ratio

173.12

Price to Book (P/B)

3.68

EV/EBITDA

651.80

Current Price

₹205

Return on Capital Employed (ROCE)

2.80%

Return on Equity (ROE)

2.97%

Return on Assets (ROA)

2.57%

Gross NPA(%)

0.00

Book Value per Share

₹55.7

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

-92.5%

Net Interest Income Growth (3 Years)

-51.64%

52-Week Low / High

₹71 / 236

Book Value Growth (1 Year)

-0.7%

Book Value Growth (3 Years)

6.43%

Check Before You Invest

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.

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

Over the last 9 years, the stock has delivered a CAGR of 31% based on the current price.

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.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.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.

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.

DeciZen - make an informed investing decision on Gyftr

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

Gyftr stock performance

Key Ratios

Is Gyftr Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	45.4	41.7	76.3	14.5	19.4	95.6	55.5	25	82.6	7.4	-17
YoY Gr. Rt. %	-	-8.1%	82.9%	-81%	33.8%	394%	-41.9%	-55%	230.3%	-91.1%	-
Adj EPS (₹ )	1.4	1.6	3	3	-3.4	9.2	5	1.8	8.3	1.6	1.2
YoY Gr. Rt. %	-	13.8%	92.4%	-0.7%	-214.3%	NA	-46%	-62.9%	352.7%	-81.3%	-
BVPS (₹ )	24.4	19.3	22.3	26	22.1	38.6	43.5	44.4	52.8	52.5	55.7
YoY Gr. Rt. %	-	-20.8%	15.2%	16.5%	-14.8%	74.5%	12.7%	2%	19.1%	-0.7%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	3.2	4	8.9	9.8	-11.8	24.3	9.4	3.2	13.7	2.6	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-18.3%	-17.5%	-49%	-91.1%
Adj EPS	1.4%	NA	-32%	-81.3%
BVPS	8.9%	18.8%	6.4%	-0.7%
Share Price	31%	70.9%	137.8%	171.7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Margins
Net Profit Margin (%)	19.6	24.1	25.8	137	-117.2	63.5	59.1	48.7	66.7	140	-53.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	5.6	7.2	14.6	12.5	-14.3	30.3	12.1	4.2	17.1	3	1.6

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	1.2	0.2
TTM Sales (₹ Cr.)	-16.8	14.1
BVPS (₹) ⓘ	55.7	54.3
Reserves (₹ Cr.) ⓘ	473	340
P/BV ⓘ	3.68	3.78
PE ⓘ	173.12	865.51

From the Market
52 Week Low / High (₹)	70.54 / 235.96
All Time Low / High (₹)	0.19 / 235.96
Market Cap (₹ Cr.)	1,574
Equity (₹ Cr.)	76.8
Face Value (₹)	10
Industry PE ⓘ	51

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Gyftr - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	47	44	79	45	19	97	62	25	84	7
Interest Income	45	42	76	14	19	96	56	25	83	7
Other Income ⓘ	11	5	44	12	33	10	12	4	5	6
Exceptional Items ⓘ	2	2	3	30	0	1	7	0	1	0
Expenditure ⓘ +	35	32	58	18	42	27	25	11	16	12
Interest Expense ⓘ	17	14	5	2	2	3	3	3	3	1
Operating Expenses ⓘ	7	13	9	4	7	15	11	5	7	5
Provisions	11	5	44	12	33	10	12	4	5	6
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	14
Profit Before Tax ⓘ	12	12	21	26	-23	70	37	14	68	10
Taxes ⓘ	3	2	1	6	0	9	4	1	13	-1
Profit After Tax	9	10	20	20	-23	61	33	12	55	10
Adjusted EPS (₹)	1.4	1.6	3.0	3.0	-3.4	9.2	5.0	1.8	8.3	1.6
Dividend Payout Ratio (%)	96.20%	24.20%	12.60%	19%	-11.10%	4.10%	11.50%	10.30%	6.90%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	157	124	146	172	146	255	288	293	349	347
Share Capital ⓘ	12	12	12	13	13	13	13	13	13	13
Reserves ⓘ	145	112	133	159	134	243	275	281	337	334
Short term borrowings	67	95	56	36	36	46	82	87	55	36
Long Term Borrowings	0	0	-0	-7	-7	8	5	4	10	1
Current Liabilities	108	114	58	38	42	55	90	89	59	38
Trade Payables	3	6	0	1	2	0	0	1	0	0
Other Liabilities	-70	-101	-56	-37	-38	-46	-82	-88	-55	-36
Total Liabilities ⓘ	265	238	203	203	181	318	383	387	419	386
Assets
Non Current Asset +	79	91	74	43	42	95	100	120	201	218
Loan Asset	0	0	0	0	0	0	0	0	56	157
Other Non Current Asset ⓘ	79	91	74	43	42	95	100	120	145	61
Current Asset +	186	146	129	160	139	223	282	267	218	168
Current Investment	0	0	0	85	55	139	116	123	195	129
Other Current Asset	186	146	129	75	84	85	167	143	22	39
Total Assets ⓘ	265	238	203	203	181	318	383	387	419	386

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	42	-8	58	-2	-14	-10	-16	14	52	-107
Cash Flow From Investing Activity ⓘ	18	-5	8	-45	18	5	-7	-22	-17	144
Cash Flow From Financing Activity ⓘ	-50	16	-45	-27	-4	9	32	-1	-40	-20
Net Cash Flow ⓘ	11	3	20	-74	0	4	8	-9	-5	17

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	7.30	8.30	15.90	15.80	-18.10	48.30	26.10	9.70	43.80	8.20
DPS (₹)	7	2	2	3	2	2	3	1	3	0
BVPS (₹)	128.5	101.7	117.2	136.5	116.4	203.1	228.9	233.4	277.9	275.9
Performance Ratios
ROA (%)	3.2	4.0	8.9	9.8	-11.8	24.3	9.4	3.2	13.7	2.6
ROE (%)	5.6	7.2	14.6	12.5	-14.3	30.3	12.1	4.2	17.1	3.0
ROCE (%)	11.7	12.0	12.4	14.0	-10.5	29.9	12.0	4.4	18.1	2.8
Valuation Parameters
Price/Book(x)	0.6	0.7	1.2	0.9	0.5	0.4	0.4	0.3	0.6	1.4

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Gyftr Ltd FAQs

The current trading price of Gyftr on 30-Apr-2026 16:59 is ₹204.9.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 29-Apr-2026 the market cap of Gyftr stood at ₹1,574.2 Cr

The latest P/E ratio of Gyftr as of 29-Apr-2026 is 173.1.

The latest P/B ratio of Gyftr as of 29-Apr-2026 is 3.68.

The 52-week high of Gyftr is ₹236.0 and the 52-week low is ₹70.54.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Gyftr is ₹-16.84 ( Cr.) .

About Gyftr Ltd

LKP Financing originally incorporated as Elkaypee Merchant Financing was promoted by L K Panday and Mahendra V Doshi in 1984 and the certificate of change of name to LKP Merchant Financing was obtained on February 13,1986.

The companyâ€™s two wholly-owned subsidiaries LKP Forex and LKP Securities performed commendably during the year. The complete money changing business of the company has been transferred to LKP Forex - the wholly-owned subsidiary company.

Achievements

LKP Forex, a division of the company has entered into a strategic tie-up with the Joint frequent flyer program of Air India and Indian Airlines. LKP Financing Board takes on record MOU and exclusivity agreement entered with Travelex plc.

Business area of company

The company is in the field of financial Services such as issue management, bill discounting, leasing and hire-purchase, full fledged money changing and has also started providing travel related Insurance Policy to bound passengers, etc.

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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.

Gyftr Ltd (LKPMERFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Gyftr Share Price