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Gujarat Lease Financing Ltd (GLFL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500174 NSE: GLFL Finance - NBFC | Small Cap | Gujarat Lease Fin. Share Price

₹7.12 -0.14 (-1.93%)

As on 25-Jun'26 16:59

Gujarat Lease Financing Ltd (GLFL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500174 NSE: GLFL Finance - NBFC | Small Cap | Gujarat Lease Fin. Share Price

₹7.12 -0.14 (-1.93%)

As on 25-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹19 Cr.
Current Price
₹7.1
52-Week Low / High
₹5 / 9
TTM EPS
₹0
Book Value per Share
₹-1.5
P/E Ratio
410.93
Higher than its 5-year historical median
Industry PE
28.2
Price to Book (P/B)
-4.75
Lower than its 5-year historical median
EV/EBITDA
475.26
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
0.00%
Return on Capital Employed (ROCE)
0.80%
Return on Assets (ROA)
0.74%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
-
-
Book Value Growth (1 Year)
-
-
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹0 Cr.
Reserves
₹-31 Cr.
Equity
₹27.1 Cr.
Face Value
₹10
All Time Low / High
₹0.85 / 133.33

Gujarat Lease Financing stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 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.

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.

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 9.27%, indicating slower growth and losing its market share.
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.
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 15.3% based on the current price.

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)

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.
Gujarat Lease Financing Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)00000000000
YoY Gr. Rt. %-NANANANANANANANANA-
Adj EPS (₹ ) -0.1-0.1-0.10-0.1-00.10000
YoY Gr. Rt. %-NANANA-750%NANA-57.1%-33.3%0%-
BVPS (₹ )-6.4-2.7-2.3-2.5-1.6-1.6-1.6-1.5-1.5-1.5-1.5
YoY Gr. Rt. %-NANANANANANANANANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-1-3-4.41-7.2-1.43.11.40.90.70

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANANANA
Adj EPSNANA-34.1%0%
BVPSNANANANA
Share Price 17.6% 22.4% 34.9% 7.1%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)0000000000INF
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0000000000-1.4

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 0.030.070.240.650.030.290.540.480.420.43
Interest Income0000000000
Other Income 0.040.030.030.040.040.050.050.050.050.05
Exceptional Items 0.030.070.240.650.030.290.540.480.420.43
Expenditure + 0.300.440.590.590.380.370.350.390.360.38
Interest Expense 0000.01000000
Operating Expenses 0.260.410.560.540.340.330.310.340.310.33
Provisions 0.040.030.030.040.040.050.050.050.050.05
Exceptional Items 0000000000
Profit Before Tax -0.27-0.37-0.350.07-0.35-0.080.190.090.060.05
Taxes 000.03-0000000
Profit After Tax -0.27-0.37-0.380.07-0.35-0.080.190.090.060.05
Adjusted EPS (₹)-0.1-0.1-0.10.0-0.1-0.00.10.00.00.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Gujarat Lease Fin. - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +-17.36-7.37-6.22-6.70-4.35-4.42-4.24-4.12-4.06-4.03
Share Capital 27.1627.1627.1627.1627.1627.1627.1627.1627.1627.16
Reserves -44.52-34.53-33.38-33.86-31.51-31.58-31.40-31.28-31.22-31.20
Short term borrowings0000000000
Long Term Borrowings33.241515.1310101010101010
Current Liabilities 0.430.560.450.350.340.360.370.400.420.46
Trade Payables0.020.110.130.070.030.030.030.020.030.04
Other Liabilities-0.02-0.11-0.13-0.07-0.03-0.03-0.03-0.02-0.03-0.04
Total Liabilities 16.318.199.363.655.995.946.146.286.366.42

Assets

Non Current Asset +16.137.939.263.500.110.535.320.135.770.20
Loan Asset 0000000000
Other Non Current Asset 16.137.939.263.500.110.535.320.135.770.20
Current Asset +0.170.260.100.155.885.400.826.150.596.23
Current Investment0.12000000000
Other Current Asset0.050.260.100.155.885.400.826.150.596.23
Total Assets 16.318.199.363.655.995.946.146.286.366.42

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity -0.22-0.34-0.52-0.59-5.82-0.340.19-0.91-0.385.26
Cash Flow From Investing Activity 0.240.500.395.646.050.290.280.400.410.42
Cash Flow From Financing Activity -0.0200-5000000
Net Cash Flow -00.16-0.130.060.23-0.050.47-0.510.035.68

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios

EPS (₹)-0.10-0.10-0.100-0.10-00.10000
DPS (₹)0000000000
BVPS (₹)-6.4-2.7-2.3-2.5-1.6-1.6-1.6-1.5-1.5-1.5

Performance Ratios

ROA (%)-1.0-3.0-4.41.0-7.2-1.43.11.40.90.7
ROE (%)0.00.00.00.00.00.00.00.00.00.0
ROCE (%)-2.8-3.1-4.31.2-7.7-1.53.31.51.00.8

Valuation Parameters

Price/Book(x)-0.70.0-0.7-0.5-1.6-2.0-1.8-5.3-4.1-3.6

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Gujarat Lease Financing Ltd FAQs

The current trading price of Gujarat Lease Fin. on 25-Jun-2026 16:59 is ₹7.12.

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 24-Jun-2026 the market cap of Gujarat Lease Fin. stood at ₹19.31 Cr

The latest P/E ratio of Gujarat Lease Fin. as of 24-Jun-2026 is 410.9.

The latest P/B ratio of Gujarat Lease Fin. as of 24-Jun-2026 is -4.75.

The 52-week high of Gujarat Lease Fin. is ₹9.05 and the 52-week low is ₹5.13.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Gujarat Lease Fin. is ₹0.00 ( Cr.) .

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

The key valuation ratios of Gujarat Lease Financing Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

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

About Gujarat Lease Financing Ltd

Gujarat Lease Financing Ltd company was incorporated as a public limited company on July 13,1983 as a wholly owned subsidiary of Gujarat Industrial Investment Corporation Limited (GIIC); a Government of Gujarat undertaking, to provide complementary financial services. It received the Certificate of Commencement of Business on October 28, 1983. The company started its operations in the year 1985 by providing lease finance to various clients in Gujarat.

Over the years, the company has emerged as a major national player in the field of financial services offering a variety of services and products to the customers. In view of the regulatory controls over raising of resources and recessionary conditions in the end of nineties and beginning of twenties the Company started incurring losses. Consequently the Company has discontinued its activities since more than five years.

Gujarat  Lease Financing (GLFL) is  a widely held  limited company listed at Bombay Stock Exchange and National Stock Exchange.  The company has issued share capital of Rs.2801.51 lakh, subscribed capital being Rs.2719.90 lakh and paid-up share capital is Rs.2716.05 lakh. 

Major area of operation of the company was lease financing.  However, since financial year 2000-01, the company has stopped the lease finance activities.  Financial year 2001-02 witnessed the drop in income from operation to Rs.0.59 lakh from Rs.8.39 lakh of 2003-04 and Rs.378.13 lakh in  2002-03 and Rs.1641.74 lakh in 2001-02. 

The company has three 100% subsidiaries, namely GLFL Housing Finance Limited, GLFL Securities Limited and GLFL International Limited. 

Subsidiaries:

  • GLFL Housing Finance Ltd. - GLFL Housing Finance Ltd. was incorporated in the year 1992 to provide housing loans to individuals. GLFL Housing Finance Ltd. has already divested its substantial Housing Loan Portfolio, along with liabilities, in favour of LIC Housing Finance Ltd.
  • GLFL Securities Ltd. - GLFL Securities Ltd. was incorporated in the year 1993, as the stock broking outfit of GLFL. GLFL Securities Ltd. is a corporate member of the Ahmedabad Stock Exchange.
  • GLFL International Ltd.

Achievements/ recognition:

  • Registered with Reserve Bank of India as Non Banking Finance Company.
  • In spite of closure of activities, it has strong reputation as NBFC.
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