BSE:500174

Stock Analysis Report

Executive Summary

Gujarat Lease Financing Limited does not have significant operations.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Gujarat Lease Financing is not covered by any analysts.

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


Market Performance


7 Day Return

0%

BSE:500174

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

27.3%

BSE:500174

-3.2%

IN Consumer Finance

-14.7%

IN Market

500174 outperformed the Consumer Finance industry which returned -3.1% over the past year.

500174 outperformed the Market in India which returned -14.6% over the past year.


Share holder returns

500174IndustryMarket
7 Day0%-3.6%-2.1%
30 Day0%1.9%-3.9%
90 Dayn/a-10.2%-10.1%
1 Year27.3%27.3%-2.5%-3.2%-12.9%-14.7%
3 Year19.5%19.5%59.3%56.0%17.7%11.5%
5 Year-25.8%-25.8%233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Gujarat Lease Financing's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Gujarat Lease Financing's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Gujarat Lease Financing is loss making, we can't compare its value to the IN Consumer Finance industry average.

Gujarat Lease Financing is loss making, we can't compare the value of its earnings to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Gujarat Lease Financing, we can't assess if its growth is good value.


Price Based on Value of Assets

Gujarat Lease Financing has negative assets, we can't compare the value of its assets to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

17.1%

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

  • Take a look at our analysis of 500174’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Gujarat Lease Financing competitive advantages and company strategy can generally be found in its financial reports archived here.
  • Explore growth companies in the Diversified Financials industry.

Past Performance

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

-24.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Gujarat Lease Financing does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Gujarat Lease Financing's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Gujarat Lease Financing's 1-year growth to the IN Consumer Finance industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Gujarat Lease Financing has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) due to its liabilities exceeding its assets.


Return on Assets

It is difficult to establish if Gujarat Lease Financing has efficiently used its assets last year compared to the IN Consumer Finance industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Gujarat Lease Financing improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Gujarat Lease Financing's financial position?


Financial Position Analysis

Gujarat Lease Financing's short term (1 year) commitments are greater than its holdings of cash and other short term assets.

Gujarat Lease Financing's long term commitments exceed its cash and other short term assets.


Debt to Equity History and Analysis

Gujarat Lease Financing has negative shareholder equity (liabilities exceed assets), this is a more serious situation compared with a high debt level.

Irrelevant to check if Gujarat Lease Financing's debt level has increased considering it has negative shareholder equity.


Balance Sheet

Low level of unsold assets.

Gujarat Lease Financing has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Gujarat Lease Financing has less than a year of cash runway based on current free cash flow.

Gujarat Lease Financing has less than a year of cash runway if free cash flow continues to grow at historical rates of 29.7% each year.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Gujarat Lease Financing's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Gujarat Lease Financing's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Gujarat Lease Financing has not reported any payouts.

Unable to verify if Gujarat Lease Financing's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Gujarat Lease Financing has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Gujarat Lease Financing's salary, the management and board of directors tenure and is there insider trading?

4.6yrs

Average management tenure


CEO

Anil Jhaveri 0

4.6yrs

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

Anil's remuneration is lower than average for companies of similar size in India.

Anil's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

4.6yrs

Average Tenure

The tenure for the Gujarat Lease Financing management team is about average.


Board Age and Tenure

11.8yrs

Average Tenure

63yo

Average Age

The average tenure for the Gujarat Lease Financing board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Harnish Patel (63yo)

    Executive Director

    • Tenure: 10.3yrs
  • Anil Jhaveri

    Chief Executive Officer

    • Tenure: 4.6yrs
    • Compensation: ₹360.00k
  • Janak Mehta

    Chief Financial Officer

    • Tenure: 4.8yrs
    • Compensation: ₹300.00k
  • Kamlesh Patel

    Company Secretary & Compliance Officer

    • Tenure: 0.8yrs
    • Compensation: ₹290.70k

Board Members

  • Harnish Patel (63yo)

    Executive Director

    • Tenure: 10.3yrs
  • Vasant Shah (76yo)

    Non-Executive & Independent Director

    • Tenure: 44.9yrs
    • Compensation: ₹105.00k
  • Surendra Shah (83yo)

    Non-Executive & Independent Director

    • Tenure: 13.3yrs
    • Compensation: ₹105.00k
  • Kavita Mandan (55yo)

    Non-Executive & Non-Independent Director

    • Tenure: 3.3yrs
  • Prakash J. Parikh (59yo)

    Additional Non-Executive Non-Independent Director

    • Tenure: 0.0yrs

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: ₹53.167m
  • 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 Analysis2019/08/24 12:34
End of Day Share Price2019/06/20 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


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.