Gujarat Lease Financing Limited (IN:GLFL)
:GLFL
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Gujarat Lease Financing Limited
(GLFL)
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Rating:45Neutral
Price Target:
₹7.00
▼(-16.57% Downside)
Action:ReiteratedDate:04/25/26
The score is held down primarily by weak financial fundamentals—especially persistent negative equity, high debt, and negative recent operating/free cash flow—despite some revenue improvement. Technicals are supportive of an uptrend but look overbought, and valuation is unfavorable due to the very high P/E.
Positive Factors
Revenue Growth Trend
The company reported strong top-line improvement across recent years, with revenue up materially in FY2025 following prior growth. A sustained revenue rebound supports a larger lending/origination base for an NBFC, improving prospects for scale and long-term fee/interest income generation if volatility is controlled.
Negative Factors
Persistent Negative Equity
Negative shareholders' equity is a structural solvency concern: it limits capital-raising options, may trigger regulatory scrutiny for an NBFC, and reduces the buffer against loan losses or shocks. Long-term growth and stability are constrained until equity is restored through profits or recapitalization.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
The company reported strong top-line improvement across recent years, with revenue up materially in FY2025 following prior growth. A sustained revenue rebound supports a larger lending/origination base for an NBFC, improving prospects for scale and long-term fee/interest income generation if volatility is controlled.
Read all positive factors
Gujarat Lease Financing Limited (GLFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹209.14M
Dividend YieldN/A
Average Volume (3M)3.09K
Price to Earnings (P/E)138.6
Beta (1Y)0.33
Revenue Growth0.95%
EPS Growth-35.29%
CountryIN
Employees3
SectorFinancial
Sector Strength70
IndustryShell Companies
Share Statistics
EPS (TTM)0.01
Shares Outstanding27,125,769
10 Day Avg. Volume0
30 Day Avg. Volume3,092
Financial Highlights & Ratios
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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
null...
Gujarat Lease Financing Limited Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
18
Very Negative
Cash Flow
23
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.26M | 4.21M | 4.80M | 2.88M | 2.93M | 296.00K |
| Gross Profit | -1.53M | 3.31M | -75.00K | 1.97M | 2.84M | -583.00K |
| EBITDA | -453.25K | 1.48M | 874.00K | -531.00K | -583.00K | -3.21M |
| Net Income | 583.00K | 586.00K | 868.00K | 1.85M | -822.00K | -3.49M |
Balance Sheet | ||||||
| Total Assets | 63.44M | 63.62M | 62.79M | 61.36M | 59.36M | 59.90M |
| Cash, Cash Equivalents and Short-Term Investments | 60.43M | 4.35M | 60.56M | 7.73M | 53.52M | 58.48M |
| Total Debt | 100.00M | 100.00M | 100.00M | 100.00M | 100.00M | 100.00M |
| Total Liabilities | 104.39M | 104.23M | 103.99M | 103.72M | 103.56M | 103.36M |
| Stockholders Equity | -40.94M | -40.61M | -41.20M | -42.36M | -44.20M | -43.46M |
Cash Flow | ||||||
| Free Cash Flow | -2.02M | -3.82M | -9.08M | 1.84M | -3.39M | -58.22M |
| Operating Cash Flow | -2.01M | -3.82M | -9.06M | 1.87M | -3.39M | -58.18M |
| Investing Cash Flow | 2.09M | 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | ₹197.25M | 9.57 | ― | 1.70% | -105.97% | -85.08% | |
51 Neutral | ₹679.95M | -3.17 | ― | ― | -58.96% | 59.08% | |
50 Neutral | ₹531.53M | 9.83 | ― | ― | 60.44% | ― | |
45 Neutral | ₹209.14M | 138.56 | ― | ― | 0.95% | -35.29% | |
43 Neutral | ₹106.42M | -11.08 | ― | ― | -76.08% | -158.66% | |
41 Neutral | ₹181.76M | -8.05 | ― | ― | 8724.24% | ― |
* Financial Sector Average
IN:GLFL
Gujarat Lease Financing Limited
7.71
0.62
8.74%
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―
―
―
IN:ONELIFECAP
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IN:TCIFINANCE
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14.12
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23.10%
IN:VIJIFIN
Viji Finance Ltd.
3.73
1.36
57.38%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.