GSB Finance Ltd - Stock Valuation and Financial Performance

BSE: 511543 | NSE: | Finance - Investment | Small Cap

GSB Finance Share Price

16.74 -0.78 -4.45%
as on 12-Jul'24 16:01

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GSB Finance stock performance -

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P/E Ratio (SA):
7.99
Market Cap:
10 Cr.
52-wk low:
8.3
52-wk high:
23.7

Is GSB Finance Ltd an attractive stock to invest in?

1. Is GSB Finance Ltd a good quality company?

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

2. Is GSB Finance Ltd undervalued or overvalued?

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

3. Is GSB Finance Ltd a good buy now?

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

10 Year X-Ray of GSB Finance:

Analysis of Financial Track Record

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
GSB Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)9.173.514.910.313.26.91.81.52.53.31
YoY Gr. Rt. %-704.3%-79.8%-30.7%28.4%-48.2%-74.1%-17.4%70.1%30%-
Adj EPS (₹ ) 0.50.10.310.40.1-00.50.40.12.1
YoY Gr. Rt. %--77.1%200%212.1%-58.3%-88.4%-140%NA-14.6%-70.7%-
BVPS (₹ )17.217.317.618.919.118.918.919.52020.220.2
YoY Gr. Rt. %-0.4%1.9%7.3%1.1%-1.2%-0.1%3.2%2.7%0.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.20.61.85.22.10.2-0.11.91.50.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-10.9%-24.5%22.2%30%
Adj EPS-14.3%-22.5%NA-70.7%
BVPS1.8%1%2.2%0.8%
Share Price 8.7% 10.3% 29.5% 17.5%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Margins
Net Profit Margin (%)3.10.11.361.90.5-0.819.79.92.397.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.80.61.95.62.20.3-0.12.52.10.610.5

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 10.40%

Total Income has increased 22.22 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - GSB Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 2.1 -
TTM Sales (₹ Cr.) 1.3 -
BVPS (₹.) 20.2 -
Reserves (₹ Cr.) 6 -
P/BV 0.83 -
PE 7.99 -
From the Market
52 Week Low / High (₹) 8.25 / 23.68
All Time Low / High (₹) 0.30 / 35.30
Market Cap (₹ Cr.) 10
Equity (₹ Cr.) 6
Face Value (₹) 10
Industry PE 51.1

Management X-Ray of GSB Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of GSB Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income10.0974.5315.7210.3113.246.861.781.482.503.26
Interest Income9.1473.5114.8710.3113.246.861.781.472.503.25
Other Income 0.951.030.8500000.010.010
Expenditure 9.9674.2415.439.1412.866.801.730.982.153.19
Interest Expense 0.250.350.010.030.040.010.260.370.300.46
Operating Expenses 9.7173.8315.169.1012.776.561.410.611.842.71
Provisions 00.060.260.010.050.230.060.010.010.02
Exceptional Items 0000000000
Profit Before Tax 0.130.300.291.160.380.070.040.500.360.07
Taxes -0.150.230.090.550.120.030.050.210.11-0.01
Profit After Tax 0.280.070.200.620.260.03-0.010.290.250.07
Adjusted EPS (₹)0.50.10.31.00.40.10.00.50.40.1
Dividend Payout Ratio (%)0%0%0%24%59%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital10.2910.3810.5811.3511.4811.3411.3311.691212.09
Share Capital 5.97666666666
Reserves 4.324.384.585.355.485.345.335.6966.09
Minority Interest0000000000
Long Term Borrowings2.680.010.010.010-0.02-0.02-0.02-0.02-0.02
Current Liabilities 0.340.190.691.220.153.134.523.375.156.71
Trade Payables0.010.010.010.730.010.010.080.040.110.04
Short term borrowings000.5000.0134.263.014.756.44
Other Liabilities-0.01-0.01-0.51-0.73-0.02-3-4.34-3.06-4.86-6.48
Total Liabilities 13.3110.5811.2812.5811.6314.4515.8315.0417.1218.78

Assets

Non Current Asset 0.150.140.120.150.210.180.160.150.220.21
Loan Asset 0000000000
Other Non Current Asset 0.150.140.120.150.210.180.160.150.220.21
Current Asset 13.1610.4411.1612.4311.4314.2715.6714.8916.9018.57
Current Investment0000000000
Other Current Asset13.1610.4411.1612.4311.4314.2715.6714.8916.9018.57
Total Assets 13.3110.5811.2812.5811.6314.4515.8315.0417.1218.78

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -0.122.52-0.500.550.21-2.68-1.381.60-2.05-1.72
Cash Flow From Investing Activity 0.010.010.01-0.06-0.010.010.01000
Cash Flow From Financing Activity 0.19-2.660.50-0.50-0.182.811.26-1.241.731.70
Net Cash Flow 0.09-0.13000.020.14-0.110.36-0.32-0.03
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0001000000
DPS (₹)0000000000
BVPS (₹)17171819191919192020

Performance Ratios

ROA (%)2.20.61.85.22.10.2-0.11.91.50.4
ROE (%)2.80.61.95.62.20.3-0.12.52.10.6
ROCE (%)3.05.52.810.63.60.62.05.74.23.0

Valuation Parameters

Price/Book(x)0.20.30.20.50.50.40.40.40.40.6

GSB Finance Ltd Stock News

GSB Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of GSB Finance on 12-Jul-2024 16:01 is ₹16.74.
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 12-Jul-2024 16:01 the market cap of GSB Finance stood at ₹10.04.
The latest P/E ratio of GSB Finance as of 12-Jul-2024 16:01 is 7.99.
The latest P/B ratio of GSB Finance as of 12-Jul-2024 16:01 is 0.83.
The 52-week high of GSB Finance is ₹23.68 and the 52-week low is ₹8.25.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of GSB Finance is ₹1.29 ( Cr.) .

About GSB Finance Ltd

GSB Finance was incorporated on November 29, 1982. The registered office of the company is situated at 815, Stock Exchange Tower, 8th Floor, Dalal Street, Mumbai-400001.

Business area of the company

The company is engaged in the business of trading and dealing in shares and securities. It gets its income mainly from the sale of shares and securities, dividend and lease rentals.

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