Share Price and Basic Stock Data
Last Updated: December 11, 2025, 4:41 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 operates in the non-banking financial company (NBFC) sector, primarily focusing on providing various financial services. As of its latest financial report, the company’s stock price stood at ₹35.4, with a market capitalization of ₹21.3 Cr. Revenue trends have displayed volatility; for instance, sales peaked at ₹1.79 Cr in June 2022 but have since fluctuated, recording a low of ₹0.31 Cr in March 2023. Notably, sales rebounded to ₹1.98 Cr in September 2023, indicating a potential recovery phase. However, the trailing twelve months (TTM) revenue reflects a decline to ₹1.76 Cr, suggesting ongoing challenges in maintaining stable growth. The company’s operating profit margin (OPM) has also shown significant variability, peaking at 90.91% in September 2023, but averaging around 48.39% in the latest data. This inconsistency in revenue generation and profitability raises questions about the sustainability of its business model.
Profitability and Efficiency Metrics
In terms of profitability, GSB Finance reported a return on equity (ROE) of 5.14% and a return on capital employed (ROCE) of 6.42%. These figures are relatively modest when compared to industry standards, where ROE typically hovers around 10% to 15% for well-performing NBFCs. The company’s net profit for the year stood at ₹0.65 Cr, reflecting an EPS of ₹1.19, a slight increase from the previous year’s ₹0.21. However, the inconsistency in quarterly profits, such as a dip to -₹0.22 Cr in March 2023, indicates potential operational inefficiencies. The interest coverage ratio (ICR) of 13.80x showcases a strong ability to cover interest expenses, which is a positive sign for creditors and investors alike. Yet, these profitability metrics suggest that while GSB Finance has the potential for profit, it needs to streamline its operations to achieve more consistent results.
Balance Sheet Strength and Financial Ratios
GSB Finance’s balance sheet appears robust, especially considering it has no borrowings reported, which positions it favorably in terms of financial risk. Total assets stood at ₹14.71 Cr, with reserves increasing to ₹8.19 Cr. The company’s equity capital has remained stable at ₹6 Cr, indicating a solid foundation. Despite the lack of debt, the price-to-book value ratio is at 1.43x, slightly above the typical range for NBFCs, suggesting that the market may be pricing in potential growth or risks associated with the company’s operations. The current ratio of 87.44x reflects an exceptionally strong liquidity position, indicating that GSB Finance can easily meet its short-term obligations. However, the asset turnover ratio remains low at 0.12%, raising concerns about how effectively the company is utilizing its assets to generate revenue.
Shareholding Pattern and Investor Confidence
The shareholding pattern of GSB Finance Ltd shows a significant promoter holding of 55.25%, which can be seen as a stabilizing factor for the company. With public shareholders accounting for 44.75%, the distribution appears balanced, suggesting that there is a reasonable level of investor confidence. The number of shareholders has fluctuated slightly, with 12,333 reported in the latest quarter. This indicates a slight decrease in investor interest, which could be attributed to the company’s recent performance challenges. Nonetheless, the stability in promoter holding can provide a sense of security for retail investors, as it reflects management’s commitment to the company. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) may imply a lack of broader institutional confidence, which could limit liquidity and share price appreciation.
Outlook, Risks, and Final Insight
Looking forward, GSB Finance faces a mixed outlook. On one hand, its strong liquidity position and zero debt are commendable, providing a cushion against financial downturns. However, the volatility in revenue and profit margins raises concerns about its operational stability. Investors should be wary of the inherent risks associated with its inconsistent performance, particularly in an increasingly competitive NBFC landscape. The lack of institutional backing further complicates its growth trajectory, as institutional investors often provide not just capital, but also valuable market insights and stability. As GSB Finance navigates these challenges, retail investors should weigh the potential for recovery against the risk of continued volatility. The company’s ability to streamline operations and enhance revenue consistency will be critical in determining its future performance and attractiveness as an investment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of GSB Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.33 Cr. | 0.93 | 9.18/0.85 | 27.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 436 Cr. | 133 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 34.4/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.3 Cr. | 85.2 | 165/74.8 | 20.5 | 238 | 1.17 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,825.22 Cr | 440.63 | 50.24 | 522.84 | 0.23% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.79 | 0.80 | 0.36 | 0.31 | 0.36 | 1.98 | 0.47 | 0.86 | 0.32 | 0.74 | 0.44 | 0.27 | 0.31 |
| Expenses | 1.62 | 0.58 | 0.14 | 0.39 | 0.11 | 0.18 | 0.28 | 1.22 | 0.09 | 0.16 | 0.24 | 0.40 | 0.16 |
| Operating Profit | 0.17 | 0.22 | 0.22 | -0.08 | 0.25 | 1.80 | 0.19 | -0.36 | 0.23 | 0.58 | 0.20 | -0.13 | 0.15 |
| OPM % | 9.50% | 27.50% | 61.11% | -25.81% | 69.44% | 90.91% | 40.43% | -41.86% | 71.88% | 78.38% | 45.45% | -48.15% | 48.39% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 |
| Interest | 0.10 | 0.11 | 0.12 | 0.14 | 0.13 | 0.12 | 0.05 | -0.01 | 0.00 | 0.03 | 0.03 | 0.01 | 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 | 0.07 | 0.11 | 0.10 | -0.22 | 0.12 | 1.68 | 0.14 | -0.34 | 0.23 | 0.55 | 0.17 | -0.12 | 0.15 |
| Tax % | 42.86% | 9.09% | -40.00% | -4.55% | 25.00% | 10.71% | 21.43% | -61.76% | 26.09% | 5.45% | 23.53% | -16.67% | 26.67% |
| Net Profit | 0.04 | 0.10 | 0.14 | -0.21 | 0.09 | 1.50 | 0.10 | -0.13 | 0.17 | 0.52 | 0.13 | -0.11 | 0.11 |
| EPS in Rs | 0.07 | 0.17 | 0.23 | -0.35 | 0.15 | 2.50 | 0.17 | -0.22 | 0.28 | 0.87 | 0.22 | -0.18 | 0.18 |
Last Updated: July 15, 2025, 5:46 pm
Below is a detailed analysis of the quarterly data for GSB Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.31 Cr.. The value appears strong and on an upward trend. It has increased from 0.27 Cr. (Mar 2025) to 0.31 Cr., marking an increase of 0.04 Cr..
- For Expenses, as of Jun 2025, the value is 0.16 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.40 Cr. (Mar 2025) to 0.16 Cr., marking a decrease of 0.24 Cr..
- For Operating Profit, as of Jun 2025, the value is 0.15 Cr.. The value appears strong and on an upward trend. It has increased from -0.13 Cr. (Mar 2025) to 0.15 Cr., marking an increase of 0.28 Cr..
- For OPM %, as of Jun 2025, the value is 48.39%. The value appears strong and on an upward trend. It has increased from -48.15% (Mar 2025) to 48.39%, marking an increase of 96.54%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.02 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.02 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.01 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.01 Cr..
- For Depreciation, as of Jun 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 Profit before tax, as of Jun 2025, the value is 0.15 Cr.. The value appears strong and on an upward trend. It has increased from -0.12 Cr. (Mar 2025) to 0.15 Cr., marking an increase of 0.27 Cr..
- For Tax %, as of Jun 2025, the value is 26.67%. The value appears to be increasing, which may not be favorable. It has increased from -16.67% (Mar 2025) to 26.67%, marking an increase of 43.34%.
- For Net Profit, as of Jun 2025, the value is 0.11 Cr.. The value appears strong and on an upward trend. It has increased from -0.11 Cr. (Mar 2025) to 0.11 Cr., marking an increase of 0.22 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.18. The value appears strong and on an upward trend. It has increased from -0.18 (Mar 2025) to 0.18, marking an increase of 0.36.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:12 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 | 1.76 |
| 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 | 0.96 |
| 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 | 0.80 |
| 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% | 45.45% |
| 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 | 0.07 |
| 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 | 0.75 |
| 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 | 0.65 |
| 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 | 1.09 |
| 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: December 4, 2025, 2:59 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 |
| Borrowings | 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 Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 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..
Notably, the Reserves (8.19 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
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 - No data available for this post.
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 |
|---|---|
|
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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: 15.8%)
- 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: 50.24)
- 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 | info@gsbgroup.co.in www.gsbgroup.co.in |
| 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 December 2025) is 14.85 which is 57.20% lower the current market price of 34.70, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 20.8 Cr. market cap, FY2025-2026 high/low of 51.8/25.0, 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 20.8 Cr..
What is the current Stock Price of GSB Finance Ltd as on 11 December 2025?
The current stock price of GSB Finance Ltd as on 11 December 2025 is 34.7.
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 51.8/25.0.
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.