Share Price and Basic Stock Data
Last Updated: February 11, 2026, 10:26 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
GSB Finance Ltd, operating as a Non-Banking Financial Company (NBFC), recorded a price of ₹40.8 per share and a market capitalization of ₹24.5 Cr. The company has witnessed fluctuating revenue trends over the past quarters, with notable growth in the September 2023 quarter, where revenue surged to ₹1.98 Cr. This was a significant recovery from the previous quarters, such as ₹0.31 Cr in March 2023 and ₹0.36 Cr in June 2023. However, the subsequent quarters showcased a decline, with revenues of ₹0.47 Cr in December 2023 and ₹0.86 Cr in March 2024. Over the trailing twelve months (TTM), the revenue stood at ₹1.34 Cr, indicating challenges in sustaining growth momentum. The company’s revenue performance reflects a volatile operating environment, typical for the NBFC sector, which is often influenced by macroeconomic factors and regulatory changes.
Profitability and Efficiency Metrics
GSB Finance’s profitability metrics have shown variability, with the company reporting a net profit of ₹-0.17 Cr, indicating a loss. In the September 2023 quarter, the net profit was ₹1.50 Cr, which was a positive turnaround from the previous quarters but was followed by a dip to ₹0.10 Cr in December 2023. The interest coverage ratio (ICR) stood at 13.80x, reflecting a strong ability to cover interest expenses, although it declined from 6.45x in the previous year. The return on equity (ROE) recorded at 5.14% and return on capital employed (ROCE) at 6.42% are relatively low compared to industry benchmarks, suggesting that the company may struggle to generate sufficient returns on shareholder investments. The fluctuation in financing profit margins, which peaked at 84.85% in September 2023, underscores the volatility in profitability associated with interest income and expense management.
Balance Sheet Strength and Financial Ratios
The company’s balance sheet reflects a conservative approach, with reported reserves of ₹8.19 Cr and total borrowings remaining at ₹0 Cr, indicating no reliance on external debt for financing operations. GSB Finance’s total assets stood at ₹14.71 Cr, with a book value per share of ₹23.96 as of March 2025. The price-to-book value (P/BV) ratio of 1.43x suggests that the stock is trading at a premium relative to its book value, which may signal investor confidence in the company’s future prospects. Additionally, the current and quick ratios of 87.44x indicate exceptional liquidity, far exceeding typical sector norms. However, the company’s operational performance has been inconsistent, with a PBIT margin of 50.40% and a net profit margin of 40.30%, which, while robust, still reflect the impact of fluctuating revenues on overall profitability.
Shareholding Pattern and Investor Confidence
GSB Finance’s shareholding pattern indicates a stable promoter holding of 55.25%, suggesting a strong commitment from the management. The public shareholding stood at 44.75%, with the total number of shareholders recorded at 12,333. This distribution reflects a balanced ownership structure, which can enhance corporate governance and operational stability. The slight decrease in public shareholding from 44.67% in March 2023 to 44.75% in September 2025 may suggest a gradual increase in investor interest or confidence. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) indicates a potential gap in institutional backing, which can impact stock liquidity and valuation. This lack of institutional interest can be a concern for investors looking for robust support in stock performance.
Outlook, Risks, and Final Insight
Looking ahead, GSB Finance faces several challenges and opportunities. The company must navigate a volatile revenue landscape while improving profitability metrics to enhance stakeholder confidence. Key risks include the fluctuating interest margins, as evidenced by the significant variations in financing profit margins, and the absence of institutional support, which could limit growth potential. Conversely, strengths such as a strong liquidity position, indicated by high current and quick ratios, and a solid promoter holding provide a foundation for resilience. The company may benefit from strategic initiatives to diversify revenue streams and enhance operational efficiency. Overall, GSB Finance’s prospects will hinge on its ability to stabilize revenue and profitability while managing risks effectively in a competitive NBFC landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.9 Cr. | 1.39 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.52 Cr. | 0.65 | 3.88/0.58 | 19.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 399 Cr. | 61.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.9 Cr. | 16.2 | 24.7/14.8 | 12.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.8 Cr. | 63.9 | 138/57.6 | 15.6 | 238 | 1.56 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,414.52 Cr | 395.50 | 73.73 | 514.71 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.36 | 0.31 | 0.36 | 1.98 | 0.47 | 0.86 | 0.32 | 0.74 | 0.44 | 0.27 | 0.31 | 0.32 | 0.31 |
| Interest | 0.12 | 0.14 | 0.13 | 0.12 | 0.05 | -0.01 | -0.00 | 0.03 | 0.03 | 0.01 | -0.00 | -0.00 | -0.00 |
| Expenses | 0.14 | 0.39 | 0.11 | 0.18 | 0.28 | 1.22 | 0.09 | 0.16 | 0.24 | 0.40 | 0.16 | 0.61 | 0.16 |
| Financing Profit | 0.10 | -0.22 | 0.12 | 1.68 | 0.14 | -0.35 | 0.23 | 0.55 | 0.17 | -0.14 | 0.15 | -0.29 | 0.15 |
| Financing Margin % | 27.78% | -70.97% | 33.33% | 84.85% | 29.79% | -40.70% | 71.88% | 74.32% | 38.64% | -51.85% | 48.39% | -90.62% | 48.39% |
| Other Income | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.01 | -0.00 | -0.00 | -0.00 | 0.02 | -0.00 | -0.00 | -0.00 |
| Depreciation | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Profit before tax | 0.10 | -0.22 | 0.12 | 1.68 | 0.14 | -0.34 | 0.23 | 0.55 | 0.17 | -0.12 | 0.15 | -0.29 | 0.15 |
| Tax % | -40.00% | -4.55% | 25.00% | 10.71% | 21.43% | -61.76% | 26.09% | 5.45% | 23.53% | -16.67% | 26.67% | -0.00% | -20.00% |
| Net Profit | 0.14 | -0.21 | 0.09 | 1.50 | 0.10 | -0.13 | 0.17 | 0.52 | 0.13 | -0.11 | 0.11 | -0.30 | 0.18 |
| EPS in Rs | 0.23 | -0.35 | 0.15 | 2.50 | 0.17 | -0.22 | 0.28 | 0.87 | 0.22 | -0.18 | 0.18 | -0.50 | 0.30 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 1, 2026, 5:16 pm
Below is a detailed analysis of the quarterly data for GSB Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Expenses, as of Dec 2025, the value is 0.16 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.61 Cr. (Sep 2025) to 0.16 Cr., marking a decrease of 0.45 Cr..
- For Other Income, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 0.15 Cr.. The value appears strong and on an upward trend. It has increased from -0.29 Cr. (Sep 2025) to 0.15 Cr., marking an increase of 0.44 Cr..
- For Tax %, as of Dec 2025, the value is -20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 0.00% (Sep 2025) to -20.00%, marking a decrease of 20.00%.
- For Net Profit, as of Dec 2025, the value is 0.18 Cr.. The value appears strong and on an upward trend. It has increased from -0.30 Cr. (Sep 2025) to 0.18 Cr., marking an increase of 0.48 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.30. The value appears strong and on an upward trend. It has increased from -0.50 (Sep 2025) to 0.30, marking an increase of 0.80.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:37 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 10.09 | 74.53 | 15.72 | 10.31 | 13.24 | 6.86 | 1.78 | 1.48 | 2.50 | 3.25 | 3.68 | 1.78 | 1.34 |
| Expenses | 9.69 | 73.87 | 15.40 | 9.10 | 12.80 | 6.76 | 1.46 | 0.61 | 1.84 | 2.72 | 1.80 | 0.90 | 1.41 |
| Operating Profit | 0.40 | 0.66 | 0.32 | 1.21 | 0.44 | 0.10 | 0.32 | 0.87 | 0.66 | 0.53 | 1.88 | 0.88 | -0.07 |
| OPM % | 3.96% | 0.89% | 2.04% | 11.74% | 3.32% | 1.46% | 17.98% | 58.78% | 26.40% | 16.31% | 51.09% | 49.44% | -5.22% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
| Interest | 0.25 | 0.35 | 0.01 | 0.03 | 0.04 | 0.01 | 0.26 | 0.37 | 0.30 | 0.46 | 0.29 | 0.07 | 0.04 |
| Depreciation | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.13 | 0.30 | 0.29 | 1.16 | 0.38 | 0.07 | 0.04 | 0.50 | 0.35 | 0.07 | 1.60 | 0.83 | -0.09 |
| Tax % | -123.08% | 80.00% | 48.28% | 47.41% | 31.58% | 42.86% | 150.00% | 42.00% | 31.43% | -14.29% | 1.88% | 13.25% | |
| Net Profit | 0.28 | 0.05 | 0.16 | 0.62 | 0.26 | 0.03 | -0.01 | 0.29 | 0.25 | 0.07 | 1.57 | 0.72 | -0.17 |
| EPS in Rs | 0.47 | 0.08 | 0.27 | 1.03 | 0.43 | 0.05 | -0.02 | 0.48 | 0.42 | 0.12 | 2.62 | 1.20 | -0.28 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 24.19% | 57.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -82.14% | 220.00% | 287.50% | -58.06% | -88.46% | -133.33% | 3000.00% | -13.79% | -72.00% | 2142.86% | -54.14% |
| Change in YoY Net Profit Growth (%) | 0.00% | 302.14% | 67.50% | -345.56% | -30.40% | -44.87% | 3133.33% | -3013.79% | -58.21% | 2214.86% | -2197.00% |
GSB Finance 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: | -31% |
| 5 Years: | 0% |
| 3 Years: | -11% |
| TTM: | -52% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 31% |
| 5 Years: | 137% |
| 3 Years: | 42% |
| TTM: | -60% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 43% |
| 3 Years: | 48% |
| 1 Year: | 70% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 4% |
| 3 Years: | 5% |
| Last Year: | 5% |
Last Updated: September 5, 2025, 3:40 pm
Balance Sheet
Last Updated: February 1, 2026, 2:55 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5.97 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 |
| Reserves | 4.32 | 4.38 | 4.58 | 5.35 | 5.48 | 5.34 | 5.33 | 5.69 | 6.00 | 6.09 | 7.66 | 8.38 | 8.19 |
| Borrowing | 2.69 | 0.00 | 0.50 | 0.00 | 0.01 | 3.00 | 4.26 | 3.01 | 4.75 | 6.44 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 0.11 | 0.17 | 0.11 | 1.02 | 0.15 | 0.12 | 0.26 | 0.35 | 0.39 | 0.27 | 0.50 | 0.33 | 0.30 |
| Total Liabilities | 13.09 | 10.55 | 11.19 | 12.37 | 11.64 | 14.46 | 15.85 | 15.05 | 17.14 | 18.80 | 14.16 | 14.71 | 14.49 |
| Fixed Assets | 0.13 | 0.12 | 0.10 | 0.08 | 0.08 | 0.06 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.02 | 0.02 | 0.02 | 0.07 | 0.13 | 0.12 | 0.13 | 0.12 | 0.20 | 0.19 | 0.00 | 0.75 | 0.44 |
| Other Assets | 12.94 | 10.41 | 11.07 | 12.22 | 11.43 | 14.28 | 15.69 | 14.90 | 16.92 | 18.59 | 14.14 | 13.94 | 14.03 |
| Total Assets | 13.09 | 10.55 | 11.19 | 12.37 | 11.64 | 14.46 | 15.85 | 15.05 | 17.14 | 18.80 | 14.16 | 14.71 | 14.49 |
Below is a detailed analysis of the balance sheet data for GSB Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 6.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 6.00 Cr..
- For Reserves, as of Sep 2025, the value is 8.19 Cr.. The value appears to be declining and may need further review. It has decreased from 8.38 Cr. (Mar 2025) to 8.19 Cr., marking a decrease of 0.19 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.30 Cr.. The value appears to be improving (decreasing). It has decreased from 0.33 Cr. (Mar 2025) to 0.30 Cr., marking a decrease of 0.03 Cr..
- For Total Liabilities, as of Sep 2025, the value is 14.49 Cr.. The value appears to be improving (decreasing). It has decreased from 14.71 Cr. (Mar 2025) to 14.49 Cr., marking a decrease of 0.22 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.02 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.44 Cr.. The value appears to be declining and may need further review. It has decreased from 0.75 Cr. (Mar 2025) to 0.44 Cr., marking a decrease of 0.31 Cr..
- For Other Assets, as of Sep 2025, the value is 14.03 Cr.. The value appears strong and on an upward trend. It has increased from 13.94 Cr. (Mar 2025) to 14.03 Cr., marking an increase of 0.09 Cr..
- For Total Assets, as of Sep 2025, the value is 14.49 Cr.. The value appears to be declining and may need further review. It has decreased from 14.71 Cr. (Mar 2025) to 14.49 Cr., marking a decrease of 0.22 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -2.29 | 0.66 | -0.18 | 1.21 | 0.43 | -2.90 | -3.94 | -2.14 | -4.09 | -5.91 | 1.88 | 0.88 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 13.75 | 0.44 | 0.23 | 4.96 | 0.28 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Inventory Days | 66.12 | 5.91 | 28.69 | 86.94 | 38.36 | 69.36 | 500.81 | 461.53 | 215.35 | 124.43 | ||
| Days Payable | 0.39 | 0.05 | 0.24 | 30.66 | -0.00 | -0.00 | -0.00 | 30.17 | -0.00 | -0.00 | ||
| Cash Conversion Cycle | 79.48 | 6.30 | 28.68 | 61.24 | 38.63 | 69.36 | 500.81 | -0.00 | 431.36 | 215.35 | 124.43 | -0.00 |
| Working Capital Days | 457.61 | 50.00 | 242.40 | 395.45 | 52.65 | 93.64 | 340.39 | 389.66 | 280.32 | 190.92 | 83.54 | 190.70 |
| ROCE % | 2.98% | 5.57% | 2.80% | 10.61% | 3.68% | 0.62% | 2.00% | 5.74% | 4.13% | 3.00% | 11.68% | 6.42% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.19 | 0.21 | 0.01 | 0.04 | 0.05 |
| Diluted EPS (Rs.) | 1.19 | 0.21 | 0.01 | 0.04 | 0.05 |
| Cash EPS (Rs.) | 1.20 | 2.10 | 0.12 | 0.42 | 0.48 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 23.96 | 22.77 | 20.15 | 20.00 | 19.48 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 23.96 | 22.77 | 20.15 | 20.00 | 19.48 |
| Revenue From Operations / Share (Rs.) | 2.96 | 6.12 | 5.42 | 4.16 | 2.45 |
| PBDIT / Share (Rs.) | 1.50 | 3.16 | 0.88 | 1.10 | 1.44 |
| PBIT / Share (Rs.) | 1.49 | 3.16 | 0.88 | 1.09 | 1.43 |
| PBT / Share (Rs.) | 1.39 | 2.67 | 0.11 | 0.59 | 0.82 |
| Net Profit / Share (Rs.) | 1.19 | 2.10 | 0.12 | 0.41 | 0.48 |
| PBDIT Margin (%) | 50.46 | 51.66 | 16.34 | 26.41 | 58.56 |
| PBIT Margin (%) | 50.40 | 51.62 | 16.28 | 26.14 | 58.43 |
| PBT Margin (%) | 46.75 | 43.61 | 2.08 | 14.26 | 33.64 |
| Net Profit Margin (%) | 40.30 | 34.23 | 2.26 | 9.90 | 19.66 |
| Return on Networth / Equity (%) | 4.98 | 9.20 | 0.61 | 2.06 | 2.47 |
| Return on Capital Employeed (%) | 6.15 | 13.53 | 4.35 | 5.37 | 7.25 |
| Return On Assets (%) | 4.87 | 8.88 | 0.39 | 1.44 | 1.92 |
| Total Debt / Equity (X) | 0.00 | 0.00 | 0.53 | 0.39 | 0.25 |
| Asset Turnover Ratio (%) | 0.12 | 0.22 | 0.18 | 0.15 | 0.09 |
| Current Ratio (X) | 87.44 | 88.31 | 2.72 | 3.43 | 4.48 |
| Quick Ratio (X) | 87.44 | 86.27 | 2.54 | 3.12 | 4.11 |
| Inventory Turnover Ratio (X) | 11.74 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 13.80 | 6.45 | 1.15 | 2.22 | 2.36 |
| Interest Coverage Ratio (Post Tax) (X) | 12.02 | 5.27 | 1.16 | 1.83 | 1.79 |
| Enterprise Value (Cr.) | 20.34 | 8.91 | 12.94 | 9.45 | 7.26 |
| EV / Net Operating Revenue (X) | 11.44 | 2.43 | 3.98 | 3.78 | 4.93 |
| EV / EBITDA (X) | 22.67 | 4.70 | 24.33 | 14.33 | 8.42 |
| MarketCap / Net Operating Revenue (X) | 11.54 | 2.48 | 2.03 | 1.93 | 3.19 |
| Price / BV (X) | 1.43 | 0.66 | 0.54 | 0.40 | 0.40 |
| Price / Net Operating Revenue (X) | 11.54 | 2.48 | 2.03 | 1.94 | 3.19 |
| EarningsYield | 0.03 | 0.13 | 0.01 | 0.05 | 0.06 |
After reviewing the key financial ratios for GSB Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 5. It has increased from 0.21 (Mar 24) to 1.19, marking an increase of 0.98.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 5. It has increased from 0.21 (Mar 24) to 1.19, marking an increase of 0.98.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.20. This value is below the healthy minimum of 3. It has decreased from 2.10 (Mar 24) to 1.20, marking a decrease of 0.90.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 23.96. It has increased from 22.77 (Mar 24) to 23.96, marking an increase of 1.19.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 23.96. It has increased from 22.77 (Mar 24) to 23.96, marking an increase of 1.19.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 2.96. It has decreased from 6.12 (Mar 24) to 2.96, marking a decrease of 3.16.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 1.50. This value is below the healthy minimum of 2. It has decreased from 3.16 (Mar 24) to 1.50, marking a decrease of 1.66.
- For PBIT / Share (Rs.), as of Mar 25, the value is 1.49. This value is within the healthy range. It has decreased from 3.16 (Mar 24) to 1.49, marking a decrease of 1.67.
- For PBT / Share (Rs.), as of Mar 25, the value is 1.39. This value is within the healthy range. It has decreased from 2.67 (Mar 24) to 1.39, marking a decrease of 1.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 2. It has decreased from 2.10 (Mar 24) to 1.19, marking a decrease of 0.91.
- For PBDIT Margin (%), as of Mar 25, the value is 50.46. This value is within the healthy range. It has decreased from 51.66 (Mar 24) to 50.46, marking a decrease of 1.20.
- For PBIT Margin (%), as of Mar 25, the value is 50.40. This value exceeds the healthy maximum of 20. It has decreased from 51.62 (Mar 24) to 50.40, marking a decrease of 1.22.
- For PBT Margin (%), as of Mar 25, the value is 46.75. This value is within the healthy range. It has increased from 43.61 (Mar 24) to 46.75, marking an increase of 3.14.
- For Net Profit Margin (%), as of Mar 25, the value is 40.30. This value exceeds the healthy maximum of 10. It has increased from 34.23 (Mar 24) to 40.30, marking an increase of 6.07.
- For Return on Networth / Equity (%), as of Mar 25, the value is 4.98. This value is below the healthy minimum of 15. It has decreased from 9.20 (Mar 24) to 4.98, marking a decrease of 4.22.
- For Return on Capital Employeed (%), as of Mar 25, the value is 6.15. This value is below the healthy minimum of 10. It has decreased from 13.53 (Mar 24) to 6.15, marking a decrease of 7.38.
- For Return On Assets (%), as of Mar 25, the value is 4.87. This value is below the healthy minimum of 5. It has decreased from 8.88 (Mar 24) to 4.87, marking a decrease of 4.01.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.12. It has decreased from 0.22 (Mar 24) to 0.12, marking a decrease of 0.10.
- For Current Ratio (X), as of Mar 25, the value is 87.44. This value exceeds the healthy maximum of 3. It has decreased from 88.31 (Mar 24) to 87.44, marking a decrease of 0.87.
- For Quick Ratio (X), as of Mar 25, the value is 87.44. This value exceeds the healthy maximum of 2. It has increased from 86.27 (Mar 24) to 87.44, marking an increase of 1.17.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 11.74. This value exceeds the healthy maximum of 8. It has increased from 0.00 (Mar 24) to 11.74, marking an increase of 11.74.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 13.80. This value is within the healthy range. It has increased from 6.45 (Mar 24) to 13.80, marking an increase of 7.35.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 12.02. This value is within the healthy range. It has increased from 5.27 (Mar 24) to 12.02, marking an increase of 6.75.
- For Enterprise Value (Cr.), as of Mar 25, the value is 20.34. It has increased from 8.91 (Mar 24) to 20.34, marking an increase of 11.43.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 11.44. This value exceeds the healthy maximum of 3. It has increased from 2.43 (Mar 24) to 11.44, marking an increase of 9.01.
- For EV / EBITDA (X), as of Mar 25, the value is 22.67. This value exceeds the healthy maximum of 15. It has increased from 4.70 (Mar 24) to 22.67, marking an increase of 17.97.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 11.54. This value exceeds the healthy maximum of 3. It has increased from 2.48 (Mar 24) to 11.54, marking an increase of 9.06.
- For Price / BV (X), as of Mar 25, the value is 1.43. This value is within the healthy range. It has increased from 0.66 (Mar 24) to 1.43, marking an increase of 0.77.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 11.54. This value exceeds the healthy maximum of 3. It has increased from 2.48 (Mar 24) to 11.54, marking an increase of 9.06.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. It has decreased from 0.13 (Mar 24) to 0.03, marking a decrease of 0.10.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in GSB Finance Ltd:
- Net Profit Margin: 40.3%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 6.15% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 4.98% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 12.02
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 87.44
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 73.73)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 40.3%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 78/80, Ali Chambers, Ground Floor, Mumbai Maharashtra 400001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ramakant Biyani | Managing Director |
| Mr. Suyash Biyani | Non Executive Director & CFO |
| Mrs. Usha Patel | Independent Director |
FAQ
What is the intrinsic value of GSB Finance Ltd?
GSB Finance Ltd's intrinsic value (as of 11 February 2026) is ₹13.35 which is 67.28% lower the current market price of ₹40.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹24.5 Cr. market cap, FY2025-2026 high/low of ₹49.8/25.0, reserves of ₹8.19 Cr, and liabilities of ₹14.49 Cr.
What is the Market Cap of GSB Finance Ltd?
The Market Cap of GSB Finance Ltd is 24.5 Cr..
What is the current Stock Price of GSB Finance Ltd as on 11 February 2026?
The current stock price of GSB Finance Ltd as on 11 February 2026 is ₹40.8.
What is the High / Low of GSB Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of GSB Finance Ltd stocks is ₹49.8/25.0.
What is the Stock P/E of GSB Finance Ltd?
The Stock P/E of GSB Finance Ltd is .
What is the Book Value of GSB Finance Ltd?
The Book Value of GSB Finance Ltd is 23.6.
What is the Dividend Yield of GSB Finance Ltd?
The Dividend Yield of GSB Finance Ltd is 0.00 %.
What is the ROCE of GSB Finance Ltd?
The ROCE of GSB Finance Ltd is 6.42 %.
What is the ROE of GSB Finance Ltd?
The ROE of GSB Finance Ltd is 5.14 %.
What is the Face Value of GSB Finance Ltd?
The Face Value of GSB Finance Ltd is 10.0.