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Geojit Financial Services Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹54.17Overvalued by 16.79%vs CMP ₹65.10

P/E (21.0) × ROE (7.3%) × BV (₹43.00) × DY (2.30%)

₹50.92Overvalued by 21.78%vs CMP ₹65.10
MoS: -27.8% (Negative)Confidence: 58/100 (Moderate)Models: 2 Under, 7 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹49.3022%Over (-24.3%)
Graham NumberEarnings₹57.1016%Over (-12.3%)
Earnings PowerEarnings₹38.5713%Over (-40.8%)
DCFCash Flow₹29.9513%Over (-54%)
Net Asset ValueAssets₹41.877%Over (-35.7%)
EV/EBITDAEnterprise₹85.939%Under (+32%)
Earnings YieldEarnings₹33.707%Over (-48.2%)
ROCE CapitalReturns₹94.309%Under (+44.9%)
Revenue MultipleRevenue₹26.855%Over (-58.8%)
Consensus (9 models)₹50.92100%Overvalued

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -9.0%

*Investments are subject to market risks

Analyst Summary

Geojit Financial Services Ltd operates in the Finance & Investments segment, NSE: GEOJITFSL | BSE: 532285, current market price is ₹65.10, market cap is 1,816 Cr.. At a glance, stock P/E is 21.0, ROE is 7.33 %, ROCE is 9.04 %, book value is 43.0, dividend yield is 2.30 %. The latest intrinsic value estimate is ₹50.92, around 21.8% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹749 Cr versus the prior period change of 20.2%, while latest net profit is about ₹172 Cr with a prior-period change of 15.4%. The 52-week range shown on this page is 94.8/50.9, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisGeojit Financial Services Ltd. is a Public Limited Listed company incorporated on 24/11/1994 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN)…

This summary is generated from the stock page data available for Geojit Financial Services Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

50
Geojit Financial Services Ltd scores 50/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health70/100 · Strong
ROCE 9.0% AverageROE 7.3% AverageD/E 0.02 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changeDII holding up 9.97% MF buyingPromoter decreased by 13.26% Caution
Earnings Quality50/100 · Moderate
OPM stable around 38% Steady
Quarterly Momentum15/100 · Weak
Revenue (4Q): -15% YoY DecliningProfit (4Q): -49% YoY DecliningOPM: 24.0% (down 13.0% YoY) Margin pressure
Industry Rank55/100 · Moderate
P/E 21.0 vs industry 113.6 Cheaper than peersROCE 9.0% vs industry 21.3% Below peers3Y sales CAGR: 14% Moderate

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: May 5, 2026, 12:10 am

Market Cap 1,816 Cr.
Current Price 65.1
Intrinsic Value₹50.92
High / Low 94.8/50.9
Stock P/E21.0
Book Value 43.0
Dividend Yield2.30 %
ROCE9.04 %
ROE7.33 %
Face Value 1.00
PEG Ratio-2.33

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Geojit Financial Services Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Geojit Financial Services Ltd 1,816 Cr. 65.1 94.8/50.921.0 43.02.30 %9.04 %7.33 % 1.00
Spandana Sphoorty Financial Ltd 1,923 Cr. 239 306/181 2570.00 %3.87 %31.0 % 10.0
Ugro Capital Ltd 1,686 Cr. 109 193/80.014.9 1830.00 %10.1 %4.64 % 10.0
PTC India Financial Services Ltd 2,009 Cr. 31.3 44.5/23.86.02 46.40.00 %9.93 %8.20 % 10.0
Rane Holdings Ltd 1,611 Cr. 1,140 1,835/98179.5 7863.33 %9.64 %8.02 % 10.0
Industry Average6,889.95 Cr1,278.05113.644,362.080.38%21.34%13.78%7.23

All Competitor Stocks of Geojit Financial Services Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 114111110144152208181218172177153170160
Expenses 7778788794127105124109125106131122
Operating Profit 38333257588176946352483938
OPM % 33%30%29%39%38%39%42%43%37%29%31%23%24%
Other Income 266220000103-9
Interest 23235791185332
Depreciation 78777878888910
Profit before tax 30292948486660764840373016
Tax % 21%1%28%25%24%25%25%26%24%23%26%27%20%
Net Profit 25302237385246573732292314
EPS in Rs 0.871.020.751.301.321.811.602.011.291.120.990.800.46

Last Updated: February 5, 2026, 10:40 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 4:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 230321269301363308306426500447623749660
Expenses 153196196200238221204235269292386463483
Operating Profit 781257310212587101191231155237285176
OPM % 34%39%27%34%34%28%33%45%46%35%38%38%27%
Other Income -1195345-6-411111-5
Interest 2111123358173213
Depreciation 11101314142125232529293136
Profit before tax -5512062911155870165202119192223123
Tax % 40%31%29%33%33%48%27%25%26%19%25%25%
Net Profit -7882446178285112715410114917298
EPS in Rs -2.752.871.372.042.640.831.694.435.403.485.196.003.37
Dividend Payout % -3%52%62%53%65%103%76%68%48%37%25%25%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)205.13%-46.34%38.64%27.87%-64.10%82.14%149.02%21.26%-34.42%47.52%15.44%
Change in YoY Net Profit Growth (%)0.00%-251.47%84.98%-10.77%-91.97%146.25%66.88%-127.76%-55.68%81.94%-32.09%

Geojit Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:9%
5 Years:20%
3 Years:14%
TTM:5%
Compounded Profit Growth
10 Years:8%
5 Years:27%
3 Years:4%
TTM:-10%
Stock Price CAGR
10 Years:9%
5 Years:17%
3 Years:22%
1 Year:-48%
Return on Equity
10 Years:15%
5 Years:19%
3 Years:17%
Last Year:17%

Last Updated: September 5, 2025, 4:40 am

Balance Sheet

Last Updated: December 4, 2025, 1:16 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 23232324242424242424242828
Reserves 4124454674895345054805686736998081,1311,140
Borrowings 15506022233679114398156131
Other Liabilities 273249216300294356381539639484791722726
Total Liabilities 7237227078188529079091,1681,4161,3212,0202,0362,025
Fixed Assets 89959760609083738599112116123
CWIP 0000000005421
Investments 1151057816518687105131211141726
Other Assets 5195215315936077317211,0811,3191,2071,8901,9011,874
Total Assets 7237227078188529079091,1681,4161,3212,0202,0362,025

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + 464811259-24137-1208338-124167236
Cash from Investing Activity + 16-28-75-999-3089-15-16-15-20-145
Cash from Financing Activity + -8-756-37-64-82-31-26-61210-125-109
Net Cash Flow 54-5544131124-6342-397122-17
Free Cash Flow 302710345-48125-1276315-143143183
CFO/OP 67%89%134%79%0%156%-44%59%44%-36%80%169%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow63.00120.0073.0096.00125.0065.0078.00155.00152.0041.00-161.00129.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 180142147177138155919692816756
Inventory Days
Days Payable
Cash Conversion Cycle 180142147177138155919692816756
Working Capital Days -31-2342-16-4040-162-221-255-179-250-150
ROCE %12%24%12%17%20%11%13%26%27%14%19%19%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 54.62%54.61%54.61%54.59%54.59%54.59%54.59%55.05%55.05%52.13%51.73%38.47%
FIIs 1.72%1.59%1.68%2.59%2.41%3.37%3.77%3.31%3.42%3.53%2.96%2.58%
DIIs 0.00%0.00%0.00%0.00%0.00%0.02%0.05%0.04%0.16%0.83%0.83%10.13%
Public 43.67%43.81%43.72%42.82%43.01%42.02%41.60%41.59%41.36%43.49%44.49%48.80%
No. of Shareholders 91,76590,16387,05587,02185,75181,02589,95495,86397,4721,01,8611,00,9521,00,619

Shareholding Pattern Chart

No. of Shareholders

Geojit Financial Services Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
WhiteOak Capital Multi Cap Fund 316,012 0.08 2.35N/AN/AN/A
WhiteOak Capital Flexi Cap Fund 292,610 0.03 2.17450,0002026-01-26 03:17:02-34.98%
WhiteOak Capital ELSS Tax Saver Fund 55,205 0.09 0.4184,8992026-01-26 03:17:02-34.98%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.001.001.001.001.00
Basic EPS (Rs.) 6.186.064.066.315.17
Diluted EPS (Rs.) 6.176.064.066.305.17
Cash EPS (Rs.) 7.087.205.247.346.14
Book Value[Excl.RevalReserv]/Share (Rs.) 41.5238.1233.3632.1227.63
Book Value[Incl.RevalReserv]/Share (Rs.) 41.5238.1233.3632.1227.63
Revenue From Operations / Share (Rs.) 26.8025.6818.3720.9317.83
PBDIT / Share (Rs.) 10.249.956.529.728.04
PBIT / Share (Rs.) 9.148.735.318.687.06
PBT / Share (Rs.) 7.988.034.978.466.93
Net Profit / Share (Rs.) 5.985.994.036.315.17
NP After MI And SOA / Share (Rs.) 6.006.064.066.305.17
PBDIT Margin (%) 38.2138.7235.4746.4145.07
PBIT Margin (%) 34.1134.0028.9141.4739.59
PBT Margin (%) 29.7731.2527.0740.4338.86
Net Profit Margin (%) 22.3223.3121.9530.1228.98
NP After MI And SOA Margin (%) 22.3923.5822.1230.1028.97
Return on Networth / Equity (%) 14.4617.4113.4421.6120.80
Return on Capital Employeed (%) 20.1422.3715.5526.4224.30
Return On Assets (%) 8.227.167.3510.6410.54
Total Debt / Equity (X) 0.090.420.100.060.02
Asset Turnover Ratio (%) 0.360.360.330.400.43
Current Ratio (X) 2.441.722.342.062.25
Quick Ratio (X) 2.441.722.342.062.25
Dividend Payout Ratio (NP) (%) 21.4124.7573.8031.6529.02
Dividend Payout Ratio (CP) (%) 18.0920.6356.9127.1924.40
Earning Retention Ratio (%) 78.5975.2526.2068.3570.98
Cash Earning Retention Ratio (%) 81.9179.3743.0972.8175.60
Interest Coverage Ratio (X) 8.8114.0819.3144.7361.96
Interest Coverage Ratio (Post Tax) (X) 6.149.4812.9530.0340.84
Enterprise Value (Cr.) 1162.69893.71389.39768.14541.98
EV / Net Operating Revenue (X) 1.551.460.881.541.28
EV / EBITDA (X) 4.073.762.503.312.83
MarketCap / Net Operating Revenue (X) 2.672.502.172.992.82
Retention Ratios (%) 78.5875.2426.1968.3470.97
Price / BV (X) 1.731.851.322.142.02
Price / Net Operating Revenue (X) 2.672.502.172.992.82
EarningsYield 0.080.090.100.100.10

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Geojit Financial Services Ltd. is a Public Limited Listed company incorporated on 24/11/1994 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L67120KL1994PLC008403 and registration number is 008403. Currently Company is involved in the business activities of Activities auxiliary to financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 327.82 Cr. and Equity Capital is Rs. 27.91 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Finance & Investments11th Floor, 34/659-P, Kochi Kerala 682024Contact not found
Management
NamePosition Held
Mr. Chenayappillil John GeorgeChairman & Managing Director
Mr. Jones GeorgeExecutive Director
Mr. Aiyappan Pillai BalakrishnanExecutive Director
Mr. Satish Ramakrishnan MenonExecutive Director
Mr. Mir Mohammed AliNon Exe. & Nominee Director
Mr. Punnoose GeorgeNon Executive Director
Mrs. Alice Geevarghese VaidyanInd. Non-Executive Director
Mr. Radhakrishnan NairInd. Non-Executive Director
Prof. Sebastian MorrisInd. Non-Executive Director
Mr. Rajan Krishnanath MedhekarInd. Non-Executive Director
Mr. Binoy Varghese SamuelInd. Non-Executive Director
Mr. G Pradeep KumarInd. Non-Executive Director

FAQ

What is the intrinsic value of Geojit Financial Services Ltd and is it undervalued?

As of 09 May 2026, Geojit Financial Services Ltd's intrinsic value is ₹50.92, which is 21.78% lower than the current market price of ₹65.10, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (7.33 %), book value (₹43.0), dividend yield (2.30 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Geojit Financial Services Ltd?

Geojit Financial Services Ltd is trading at ₹65.10 as of 09 May 2026, with a FY2026-2027 high of ₹94.8 and low of ₹50.9. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,816 Cr..

How does Geojit Financial Services Ltd's P/E ratio compare to its industry?

Geojit Financial Services Ltd has a P/E ratio of 21.0, which is below the industry average of 113.64. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Geojit Financial Services Ltd financially healthy?

Key indicators for Geojit Financial Services Ltd: ROCE of 9.04 % is on the lower side compared to the industry average of 21.34%; ROE of 7.33 % is below ideal levels (industry average: 13.78%). Dividend yield is 2.30 %.

Is Geojit Financial Services Ltd profitable and how is the profit trend?

Geojit Financial Services Ltd reported a net profit of ₹172 Cr in Mar 2025 on revenue of ₹749 Cr. Compared to ₹154 Cr in Mar 2022, the net profit shows an improving trend.

Does Geojit Financial Services Ltd pay dividends?

Geojit Financial Services Ltd has a dividend yield of 2.30 % at the current price of ₹65.10. This is a relatively attractive yield for income-seeking investors.

Last Updated: May 5, 2026, 12:10 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532285 | NSE: GEOJITFSL
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Geojit Financial Services Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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