Geojit Financial Services Ltd (GEOJITFSL) AI Stock Analysis

• Market Cap: ₹20.23B
• Dividend Yield: 2.08%
• Average Volume (3M): 49.46K
• Price to Earnings (P/E): 17.2
• Beta (1Y): 1.47
• 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 ▲(20.25% 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.

Geojit Financial Services Ltd Business Overview & Revenue Model

Company Description

Geojit Financial Services Ltd (GEOJITFSL) is a prominent Indian financial services company specializing in a wide array of investment solutions. Established as a key player in the financial sector, Geojit offers services such as online trading, portfolio management, mutual fund distribution, and financial advisory. The company caters to both individual and institutional clients, leveraging technology to provide an extensive suite of products including equities, derivatives, commodities, and currency trading.

How the Company Makes Money

Geojit Financial Services Ltd generates revenue through multiple channels. Primarily, the company earns from brokerage fees charged on trading activities by clients in equities, commodities, and derivatives markets. Additionally, it receives commissions and fees from the distribution of mutual funds and insurance products. Geojit also benefits from portfolio management services fees and advisory charges for wealth management solutions. Strategic partnerships with financial institutions and banks augment its service offerings and revenue potential. The company's focus on leveraging technology to enhance customer experience and streamline operations also plays a crucial role in sustaining its financial performance.

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	7.62B	7.48B	4.98B	3.55B	4.28B	3.74B
Gross Profit	6.21B	6.09B	2.30B	1.33B	2.33B	2.03B
EBITDA	2.53B	2.91B	2.41B	1.59B	2.32B	1.93B
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	10.33B	10.73B	7.17B	1.67B	8.05B
Total Debt	0.00	1.56B	3.98B	1.14B	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: Negative
• Last Price: 72.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 72.35 is below the 20-day moving average (MA) of 75.85, below the 50-day MA of 76.27, and below the 200-day MA of 78.04, indicating a bearish trend. The MACD of -1.34 indicates Positive momentum. The RSI at 35.13 is Neutral, neither overbought nor oversold. The STOCH value of 21.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	₹20.23B	17.18	―	2.08%	-11.33%	-40.39%
BIRLAMONEY	72 Outperform	₹9.07B	16.01	―	―	-6.37%	-24.10%
SMCGLOBAL	69 Neutral	₹14.04B	14.36	―	1.81%	-5.03%	-54.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CAPTRUST	41 Neutral	₹1.20B	-8.48	―	―	-3.14%	-429.99%

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.