Gujarat Lease Financing Limited (GLFL) AI Stock Analysis

• Market Cap: ₹216.46M
• Dividend Yield: N/A
• Average Volume (3M): 3.09K
• Price to Earnings (P/E): 547.0
• Beta (1Y): 0.45
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 3
• Sector: Financial
• Sector Strength: 70
• Industry: Shell Companies
• EPS (TTM): 0.01
• Shares Outstanding: 27,125,769
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 3,092
• PEG Ratio: -6.81
• Price to Book (P/B): -3.69
• Price to Sales (P/S): 35.61
• P/FCF Ratio: -39.17
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: ₹8.00 ▼(-4.65% Downside)

The score is held down primarily by weak financial quality (negative equity, high debt, and negative operating/free cash flow) and very rich valuation (P/E ~390). Technicals are supportive due to an uptrend, but overbought signals increase near-term risk.

Gujarat Lease Financing Limited Business Overview & Revenue Model

Company Description

Gujarat Lease Financing Limited does not have significant operations. Previously, it was engaged in the provision of various financial services. The company was incorporated in 1983 and is based in Ahmedabad, India.

How the Company Makes Money

Gujarat Lease Financing Limited Financial Statement Overview

Summary

Recent revenue growth and a positive FY2025 net margin are outweighed by major balance-sheet and cash-flow risks: persistent negative equity, high and flat debt, and negative operating/free cash flow in FY2024–FY2025 (raising earnings-quality concerns).

Income Statement

Revenue has been volatile but generally improving in recent years (up 35.8% in FY2025 after strong growth in FY2024). Profitability is mixed: FY2025 shows a positive net margin (~13.9%) and solid gross margin (~78.6%), but net income declined versus FY2024 (₹0.59M vs ₹0.87M), suggesting weaker bottom-line conversion. Earlier years show sharp swings (losses in FY2021–FY2022 and unusually distorted margins in FY2020), indicating limited earnings stability.

Balance Sheet

The balance sheet is the main weakness. Equity is negative in every period shown (FY2025 stockholders’ equity about -₹40.6M), while total debt remains very high and flat at ₹100M. With negative equity, leverage is structurally elevated and financial flexibility is constrained, increasing refinancing/solvency risk despite total assets of ~₹63.6M in FY2025.

Cash Flow

Cash generation is inconsistent and recently weak: operating cash flow is negative in FY2025 (-₹3.82M) and FY2024 (-₹9.06M), after being positive in FY2023. Free cash flow is also negative in FY2024–FY2025, meaning the business is not currently self-funding. While free cash flow roughly tracks net income in the data provided, the repeated negative operating cash flow versus positive reported earnings in the last two years raises quality-of-earnings concerns.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.25M	4.21M	4.80M	2.88M	2.93M	296.00K
Gross Profit	-1.43M	3.31M	-75.00K	1.97M	2.84M	-583.00K
EBITDA	-420.25K	1.48M	874.00K	-531.00K	-583.00K	-3.21M
Net Income	616.00K	586.00K	868.00K	1.85M	-822.00K	-3.49M
Balance Sheet
Total Assets	0.00	63.62M	62.79M	61.36M	59.36M	59.90M
Cash, Cash Equivalents and Short-Term Investments	4.35M	4.35M	60.56M	7.73M	53.52M	58.48M
Total Debt	0.00	100.00M	100.00M	100.00M	100.00M	100.00M
Total Liabilities	40.61M	104.23M	103.99M	103.72M	103.56M	103.36M
Stockholders Equity	-40.61M	-40.61M	-41.20M	-42.36M	-44.20M	-43.46M
Cash Flow
Free Cash Flow	0.00	-3.82M	-9.08M	1.84M	-3.39M	-58.22M
Operating Cash Flow	0.00	-3.82M	-9.06M	1.87M	-3.39M	-58.18M
Investing Cash Flow	0.00	4.11M	3.99M	2.84M	2.92M	60.48M
Financing Cash Flow	0.00	0.00	0.00	0.00	0.00	0.00

Gujarat Lease Financing Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LFIC	55 Neutral	₹197.25M	―	―	1.70%	-93.62%	-115.49%
TCIFINANCE	50 Neutral	₹252.43M	6.50	―	―	797.65%	―
ONELIFECAP	48 Neutral	₹210.95M	-5.11	―	―	-62.38%	21.41%
GLFL	44 Neutral	₹216.46M	546.97	―	―	―	―
VIJIFIN	44 Neutral	₹344.85M	29.32	―	―	39.46%	―
DCMFINSERV	40 Underperform	₹86.95M	-5.44	―	―	-70.89%	-142.26%

Gujarat Lease Financing Limited Corporate Events

Gujarat Lease Financing Files SEBI Demat Compliance Certificate for December Quarter

Gujarat Lease Financing Limited has submitted to stock exchanges a confirmation certificate from its registrar and transfer agent, MCS Share Transfer Agent Limited, under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 31 December 2025, detailing the company’s securities that were dematerialised or rematerialised during the period. The registrar confirmed that all securities received for dematerialisation were duly processed, listed on the relevant exchanges, mutilated and cancelled where required, and that the depositories’ names were substituted in the register of members within the prescribed timelines, underscoring the company’s compliance with securities handling and demat regulations for the benefit of investors and regulators.