Geojit Financial Services Ltd (GEOJITFSL) AI Stock Analysis

• Market Cap: ₹21.88B
• Dividend Yield: 1.92%
• Average Volume (3M): 49.46K
• Price to Earnings (P/E): 18.9
• Beta (1Y): 1.50
• Revenue Growth: -11.33%
• EPS Growth: -40.39%
• Country: IN
• Employees: 2,568
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.80
• Shares Outstanding: 279,122,130
• 10 Day Avg. Volume: 33,059
• 30 Day Avg. Volume: 49,461
• PEG Ratio: 0.89
• Price to Book (P/B): 1.70
• Price to Sales (P/S): 2.64
• P/FCF Ratio: 13.87
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ₹87.00 ▲(9.17% Upside)

Geojit Financial Services Ltd's strong financial performance is the primary driver of its stock score, supported by solid revenue growth and profitability. Technical analysis indicates neutral momentum, while valuation metrics suggest the stock is fairly valued. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Strong Financial Performance

The company's consistent revenue growth and improved profitability metrics indicate a robust business model and effective cost management, which are crucial for long-term success in the financial services industry.

Solid Balance Sheet

A strong balance sheet with low leverage and increased equity provides financial stability and flexibility, enabling the company to invest in growth opportunities and withstand economic downturns.

Operational Efficiency

Improved net profit margins reflect the company's ability to manage costs effectively and enhance profitability, which is essential for sustaining competitive advantage and shareholder value over time.

Negative Factors

Revenue Decline

A decline in revenue growth can signal challenges in market demand or competitive pressures, potentially impacting the company's ability to maintain its market position and financial performance.

Earnings Decline

A significant decline in EPS growth suggests potential issues in profitability or cost management, which could affect investor confidence and the company's ability to reinvest in its operations.

Cash Flow Variability

Inconsistent cash flow generation can hinder the company's ability to fund operations and growth initiatives, necessitating improved financial planning and cash management strategies to ensure long-term financial health.

Geojit Financial Services Ltd Business Overview & Revenue Model

Company Description

Geojit Financial Services Limited, an investment services company, provides broking and financial services in India, Oman, Kuwait, the United Arab Emirates, and Saudi Arabia. The company operates through Financial Services and Software Services segments. The Financial Services segment offers brokerage, depository, financial products distribution, portfolio management, and other related services. The Software Services segment develops and maintains software. The company was formerly known as Geojit BNP Paribas Financial Services Limited and changed its name to Geojit Financial Services Limited in February 2017. The company was founded in 1987 and is based in Kochi, India.

How the Company Makes Money

Geojit Financial Services Ltd generates revenue through multiple streams, primarily from brokerage fees earned on stock and commodity trading activities. The company charges clients a commission for each trade executed through its platform. Additionally, Geojit earns money from mutual fund distribution by charging a fee for managing clients' investments in mutual funds. Portfolio management services also contribute to the company's revenue, as clients pay fees for personalized investment strategies and management. Furthermore, Geojit has established partnerships with various financial institutions and asset management companies, which help expand its product offerings and reach, thereby enhancing its earnings potential. Overall, the combination of brokerage income, advisory fees, and mutual fund commissions forms the core of Geojit's revenue model.

Geojit Financial Services Ltd Financial Statement Overview

Summary

Geojit Financial Services Ltd shows strong financial performance with consistent revenue growth and improved profitability metrics. The balance sheet is solid with low leverage, though cash flow variability suggests a need for better cash management.

Income Statement

Geojit Financial Services Ltd has demonstrated strong financial performance with consistent revenue growth from ₹2,586 million in 2020 to ₹7,477 million in 2025. The company has maintained a healthy gross profit margin, reaching 81.4% in 2025. Net profit margin improved to 22.4% in 2025, indicating efficient cost management and profitability enhancement. EBIT and EBITDA margins have also shown stability, reflecting robust operational efficiency.

Balance Sheet

The balance sheet of Geojit Financial Services Ltd is solid, with a substantial increase in stockholders' equity from ₹5,041 million in 2020 to ₹11,585 million in 2025. The debt-to-equity ratio is low at 0.13, signaling prudent financial leverage. The equity ratio stands at 56.9%, showing a strong capitalization structure. However, the company should continue monitoring its asset management to optimize returns.

Cash Flow

Geojit Financial Services Ltd's cash flow performance is mixed. The operating cash flow has improved significantly to ₹1,667 million in 2025 from a deficit in 2024. Free cash flow has turned positive, reflecting better cash management. However, fluctuations in cash flows over the years highlight the need for consistent cash flow generation and strategic financial planning.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	5.61B	5.84B	4.98B	3.54B	4.29B	3.74B
Gross Profit	2.38B	2.57B	2.30B	1.43B	2.31B	2.03B
EBITDA	2.58B	2.86B	2.38B	1.56B	2.32B	1.92B
Net Income	1.51B	1.68B	1.45B	971.77M	1.51B	1.23B
Balance Sheet
Total Assets	0.00	20.36B	20.20B	13.21B	14.15B	11.68B
Cash, Cash Equivalents and Short-Term Investments	0.00	2.28B	2.30B	1.31B	1.66B	1.87B
Total Debt	0.00	2.66B	7.63B	1.92B	794.21M	364.65M
Total Liabilities	-12.43B	7.93B	11.09B	5.24B	6.48B	5.09B
Stockholders Equity	12.43B	11.59B	8.32B	7.23B	6.97B	5.92B
Cash Flow
Free Cash Flow	0.00	1.42B	-1.43B	149.66M	626.88M	-1.28B
Operating Cash Flow	0.00	1.67B	-1.24B	376.87M	830.60M	-1.20B
Investing Cash Flow	0.00	-205.88M	-147.62M	-165.92M	-148.50M	887.29M
Financing Cash Flow	0.00	-1.25B	2.10B	-605.75M	-260.55M	-313.83M

Geojit Financial Services Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 79.69
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:GEOJITFSL, the sentiment is Positive. The current price of 79.69 is above the 20-day moving average (MA) of 73.64, above the 50-day MA of 74.18, and above the 200-day MA of 76.13, indicating a bullish trend. The MACD of 1.63 indicates Negative momentum. The RSI at 64.19 is Neutral, neither overbought nor oversold. The STOCH value of 74.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:GEOJITFSL.

Geojit Financial Services Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GEOJITFSL	73 Outperform	₹21.88B	18.89	―	1.92%	-11.33%	-40.39%
SMCGLOBAL	70 Outperform	₹18.01B	18.40	―	0.70%	-5.03%	-54.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BIRLAMONEY	63 Neutral	₹8.28B	14.61	―	―	-6.37%	-24.10%
CAPTRUST	38 Underperform	₹587.55M	-1.33	―	―	-26.63%	-1320.85%

Geojit Financial Services Ltd Corporate Events

Geojit Financial Services Releases Q2 FY26 Earnings Update

Geojit Financial Services Ltd has released its Q2 FY26 earnings update, providing insights into the company’s financial performance for the quarter. This announcement is part of their compliance with SEBI regulations, aimed at keeping shareholders informed about the company’s financial health. The presentation is expected to impact stakeholders by offering a detailed view of the company’s operational and financial status, which could influence investor decisions and market perceptions.

Geojit Financial Services Reports Decline in Q2 Financial Performance

Geojit Financial Services Ltd. announced a significant decline in its financial performance for the second quarter of the fiscal year 2025-26, with a 21% year-on-year decrease in consolidated revenue to Rs. 172.94 crore. The company also reported a 60% drop in profit before tax and a 59% decrease in profit after tax compared to the same period last year. Despite these declines, distribution income increased by 12% year-on-year, indicating a shift in revenue streams. This performance reflects challenges in the equity market, impacting the company’s profitability and market positioning.

Geojit Financial Services Announces Leadership Changes and Financial Results

Geojit Financial Services Limited announced the unaudited financial results for the quarter ending September 30, 2025, and the retirement of Mr. A Balakrishnan, a key figure in the company, from the Board of Directors. Mr. Balakrishnan, who played a significant role in the company’s technological advancements, will continue as an advisor. His successor, Mr. Jayakrishnan Sasidharan, brings over 20 years of experience in technology and business leadership. The Board also approved a postal ballot to appoint Mr. Vishnuraj P as a Nominee Director of KSIDC.