Gujarat Lease Financing Ltd - Stock Valuation and Financial Performance

BSE: 500174 | NSE: GLFL | Finance - NBFC | Small Cap

Guj. Lease Fin Share Price

9.14 0.43 4.94%
as on 03-Dec'24 16:59

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Gujarat Lease Financing stock performance -

mw4me loader
P/E Ratio (SA):
189.01
Market Cap:
23.6 Cr.
52-wk low:
3.8
52-wk high:
11.9

Is Gujarat Lease Financing Ltd an attractive stock to invest in?

1. Is Gujarat Lease Financing Ltd a good quality company?

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

2. Is Gujarat Lease Financing Ltd undervalued or overvalued?

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

3. Is Gujarat Lease Financing Ltd a good buy now?

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.

10 Year X-Ray of Guj. Lease Fin:

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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)00000000000
YoY Gr. Rt. %-NANANANANANANANANA-
Adj EPS (₹ ) -0-0.1-0.1-0.1-0.10-0.1-00.100.1
YoY Gr. Rt. %-NANANANANA-750%NANA-57.1%-
BVPS (₹ )-10.9-10.9-6.4-2.7-2.3-2.5-1.6-1.6-1.6-1.5-1.6
YoY Gr. Rt. %-NANANANANANANANANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-0.6-0.6-1-3-4.41-7.2-1.43.11.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANANANA
Adj EPSNANANA-57.1%
BVPSNANANANA
Share Price 12.2% 42.4% 43.4% 132%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)0000000000-3.5

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 0.00 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Gujarat Lease Financing Ltd.

Standalone Consolidated
TTM EPS (₹) 0.1 -0.1
TTM Sales (₹ Cr.) 0 0
BVPS (₹.) -1.6 0
Reserves (₹ Cr.) -31 -34
P/BV -5.64 0.00
PE 189.01 0.00
From the Market
52 Week Low / High (₹) 3.75 / 11.90
All Time Low / High (₹) 0.85 / 133.33
Market Cap (₹ Cr.) 23.6
Equity (₹ Cr.) 27.1
Face Value (₹) 10
Industry PE 28.4

Management X-Ray of Guj. Lease Fin:

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 Guj. Lease Fin

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.200.260.030.070.240.650.030.290.540.48
Interest Income0000000000
Other Income 0.200.260.030.070.240.650.030.290.540.48
Expenditure 0.270.410.300.440.590.590.380.370.350.39
Interest Expense 000000.010000
Operating Expenses 0.240.380.260.410.560.540.340.330.310.34
Provisions 0.030.030.040.030.030.040.040.050.050.05
Exceptional Items 0000000000
Profit Before Tax -0.07-0.15-0.27-0.37-0.350.07-0.35-0.080.190.09
Taxes 00000.0300000
Profit After Tax -0.07-0.15-0.27-0.37-0.380.07-0.35-0.080.190.09
Adjusted EPS (₹)0.0-0.1-0.1-0.1-0.10.0-0.10.00.10.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital-29.45-29.60-17.36-7.37-6.22-6.70-4.35-4.42-4.24-4.12
Share Capital 27.1627.1627.1627.1627.1627.1627.1627.1627.1627.16
Reserves -56.61-56.76-44.52-34.53-33.38-33.86-31.51-31.58-31.40-31.28
Minority Interest0000000000
Long Term Borrowings33.5033.4333.241515.131010101010
Current Liabilities 8.0237.360.430.560.450.350.340.360.370.40
Trade Payables0.010.010.020.110.130.070.030.030.030.02
Short term borrowings0000000000
Other Liabilities-0.01-0.01-0.02-0.11-0.13-0.07-0.03-0.03-0.03-0.02
Total Liabilities 12.0741.1916.318.199.363.655.995.946.146.28

Assets

Non Current Asset 11.5111.3816.137.939.263.500.110.535.320.13
Loan Asset 0000000000
Other Non Current Asset 11.5111.3816.137.939.263.500.110.535.320.13
Current Asset 0.5629.810.170.260.100.155.885.400.826.15
Current Investment00.330.120000000
Other Current Asset0.5629.480.050.260.100.155.885.400.826.15
Total Assets 12.0741.1916.318.199.363.655.995.946.146.28

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.15-0.31-0.22-0.34-0.52-0.59-5.82-0.340.19-0.91
Cash Flow From Investing Activity 0.39-0.060.240.500.395.646.050.290.280.40
Cash Flow From Financing Activity -0.15-0.02-0.0200-50000
Net Cash Flow 0.39-0.3900.16-0.130.060.23-0.050.47-0.51
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)-11-11-6-3-2-2-2-2-2-2

Performance Ratios

ROA (%)-0.6-0.6-1.0-3.0-4.41.0-7.2-1.43.11.4
ROE (%)0.00.00.00.00.00.00.00.00.00.0
ROCE (%)-1.8-4.0-2.8-3.1-4.21.2-7.7-1.53.31.5

Valuation Parameters

Price/Book(x)-0.2-0.2-0.70.0-0.7-0.5-1.6-2.0-1.8-5.3

Gujarat Lease Financing Ltd Stock News

Gujarat Lease Financing Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Guj. Lease Fin on 03-Dec-2024 16:59 is ₹9.14.
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 03-Dec-2024 16:59 the market cap of Guj. Lease Fin stood at ₹23.63.
The latest P/E ratio of Guj. Lease Fin as of 03-Dec-2024 16:59 is 189.0.
The latest P/B ratio of Guj. Lease Fin as of 03-Dec-2024 16:59 is -5.64.
The 52-week high of Guj. Lease Fin is ₹11.90 and the 52-week low is ₹3.75.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Guj. Lease Fin is ₹0.00 ( Cr.) .

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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