BSE:500174

Stock Analysis Report

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Executive Summary

Gujarat Lease Financing Limited does not have significant operations.


Snowflake Analysis

Acceptable track record and overvalued.

Share Price & News

How has Gujarat Lease Financing's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 500174 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

500174

2.7%

IN Consumer Finance

2.4%

IN Market


1 Year Return

n/a

500174

1.3%

IN Consumer Finance

5.1%

IN Market

Return vs Industry: Insufficient data to determine how 500174 performed against the Indian Consumer Finance industry.

Return vs Market: Insufficient data to determine how 500174 performed against the Indian Market.


Shareholder returns

500174IndustryMarket
7 Day0%2.7%2.4%
30 Day-4.6%2.9%5.2%
90 Dayn/a40.3%21.1%
1 Yearn/a4.1%1.3%7.0%5.1%
3 Year44.1%44.1%42.6%34.0%4.8%-0.2%
5 Year29.8%29.8%180.7%156.3%30.4%20.7%

Price Volatility Vs. Market

How volatile is Gujarat Lease Financing's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Gujarat Lease Financing undervalued compared to its fair value and its price relative to the market?

4.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: 500174 (₹2.09) is trading below our estimate of fair value (₹2.18)

Significantly Below Fair Value: 500174 is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: 500174 is poor value based on its PE Ratio (14.9x) compared to the IN Consumer Finance industry average (11.2x).

PE vs Market: 500174 is poor value based on its PE Ratio (14.9x) compared to the Indian market (14x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 500174's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 500174 has negative assets, so we can't compare its PB Ratio to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Gujarat Lease Financing forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Gujarat Lease Financing has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Gujarat Lease Financing performed over the past 5 years?

1.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 500174 has high quality earnings.

Growing Profit Margin: 500174 became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: 500174 has become profitable over the past 5 years, growing earnings by 1.9% per year.

Accelerating Growth: 500174 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: 500174 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-2.7%).


Return on Equity

High ROE: 500174's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Next Steps

Financial Health

How is Gujarat Lease Financing's financial position?


Financial Position Analysis

Short Term Liabilities: 500174 has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.

Long Term Liabilities: 500174 has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.


Debt to Equity History and Analysis

Debt Level: 500174 has negative shareholder equity, which is a more serious situation than a high debt level.

Reducing Debt: 500174's has negative shareholder equity, so we do not need to check if its debt has reduced over time.

Debt Coverage: 500174's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 500174's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

What is Gujarat Lease Financing current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 500174's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 500174's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 500174's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 500174's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 500174's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.6yrs

Average management tenure


CEO

Anil Jhaveri

5.58yrs

Tenure

₹360,000

Compensation

Mr. Anil K. Jhaveri has been the Chief Executive Officer of Gujarat Lease Financing Limited since January 20, 2015 and served as its Compliance Officer. Mr. Jhaveri served as the Chief Financial Officer of ...


CEO Compensation Analysis

Compensation vs Market: Anil's total compensation ($USD4.81K) is below average for companies of similar size in the Indian market ($USD49.12K).

Compensation vs Earnings: Anil's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Anil Jhaveri
Chief Executive Officer5.58yrs₹360.00k0.000040%
₹ 22.7
Janak Mehta
Chief Financial Officer5.75yrs₹300.00k0.000040%
₹ 22.7
Kamlesh Patel
Company Secretary & Compliance Officer1.75yrs₹290.70k0.000040%
₹ 22.7
Harnish Patel
Executive Director11.33yrsno data0.000040%
₹ 22.7

5.6yrs

Average Tenure

Experienced Management: 500174's management team is seasoned and experienced (5.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Harnish Patel
Executive Director11.33yrsno data0.000040%
₹ 22.7
Vasant Shah
Non-Executive & Independent Director45.92yrs₹105.00kno data
Surendra Shah
Non-Executive & Independent Director14.25yrs₹105.00kno data
Kavita Mandan
Non-Executive & Non-Independent Director4.25yrsno datano data
Prakash Parikh
Additional Non-Executive Non-Independent Director1yrno datano data

11.3yrs

Average Tenure

64yo

Average Age

Experienced Board: 500174's board of directors are seasoned and experienced ( 11.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Gujarat Lease Financing Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Gujarat Lease Financing Limited
  • Ticker: 500174
  • Exchange: BSE
  • Founded: 1983
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹56.693m
  • Shares outstanding: 27.13m
  • Website: https://www.gujaratleasefinancing.co.in

Location

  • Gujarat Lease Financing Limited
  • Hasubhai Chambers
  • 6th Floor
  • Ahmedabad
  • Gujarat
  • 380006
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
500174BSE (Mumbai Stock Exchange)YesEquity SharesININRFeb 1995
GLFLNSEI (National Stock Exchange of India)YesEquity SharesININRFeb 1995

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/12 12:41
End of Day Share Price2020/07/27 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.