Golden Legand Leasing & Finance Ltd

Golden Legand Ls Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Golden Legand Leasing & Finance Ltd

₹ 9.45 2.05%
01 Apr 9:56 a.m.
goldenlegand.in BSE: 509024
About

Incorporated in 1984, Golden Legand Leasing & Finance Ltd is in the business of digital lending and FinTech software development[1]

Key Points

Business Overview:[1]
GLLFL, a Mumbai-based RBI-affiliated Non-Systematically Important Non-Deposit Taking NBFC, specializes in digital lending and FinTech software development. It provides AI-based financial solutions, e-commerce and banking switching and routing solutions, cross-border payment routing, and global payment solutions. The company's cloud-based platforms are developed using advanced technologies like AI, Machine Learning, and Java.

Website BSE
  • Market Cap ₹ 14.1 Cr.
  • Current Price ₹ 9.45
  • High / Low ₹ 16.4 / 7.20
  • Stock P/E 2.32
  • Book Value ₹ 16.7
  • Dividend Yield 0.00 %
  • ROCE -11.7 %
  • ROE -17.6 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.56 times its book value

Cons

  • Company has a low return on equity of -9.05% over last 3 years.
  • Company has high debtors of 481 days.
  • Company's cost of borrowing seems high

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
0.00 0.00 0.00 0.00 0.00 0.06 2.61 3.32 1.87 1.54 35.95 76.70 57.38
Interest 0.00 0.00 0.00 0.01 0.00 0.00 0.02 0.02 0.11 0.31 1.20 5.43 4.61
0.20 0.45 0.46 0.31 0.23 0.40 1.80 2.43 1.72 3.07 27.28 58.74 55.41
Financing Profit -0.20 -0.45 -0.46 -0.32 -0.23 -0.34 0.79 0.87 0.04 -1.84 7.47 12.53 -2.64
Financing Margin % -566.67% 30.27% 26.20% 2.14% -119.48% 20.78% 16.34% -4.60%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.10 0.10 0.10 0.10 0.10 0.30 1.42 0.66 0.61 0.65 0.68
Profit before tax -0.20 -0.45 -0.56 -0.42 -0.33 -0.44 0.69 0.57 -1.38 -2.50 6.86 11.88 -3.32
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% -56.82% 20.29% 24.56% 16.67% -36.00% 28.28% 29.55% 69.28%
-0.20 -0.45 -0.56 -0.42 -0.32 -0.18 0.56 0.44 -1.61 -1.60 4.91 8.37 -5.62
EPS in Rs -0.13 -0.30 -0.38 -0.28 -0.22 -0.12 0.38 0.30 -1.08 -1.08 3.30 5.63 -3.78
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
0 0 0 0 0 0 2 0 1 0 0 9 172
Interest 0 0 0 0 0 0 0 0 0 0 0 0 12
0 0 0 0 0 0 2 0 0 0 1 9 144
Financing Profit -0 -0 -0 -0 -0 -0 -0 0 1 -0 -1 -0 16
Financing Margin % -1,700% -2% 36% 73% -40% -2,233% -2% 9%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 2 3
Profit before tax -0 -0 -0 -0 -0 -0 -0 0 1 -0 -2 -3 13
Tax % 0% 0% 0% 0% 0% 0% 0% 0% 14% 0% -14% -16%
-0 -0 -0 -0 -0 -0 -0 0 1 -0 -1 -2 6
EPS in Rs -0.04 -0.08 -0.01 -0.05 -0.05 -0.13 -0.03 0.03 0.47 -0.08 -1.00 -1.48 4.07
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 39%
3 Years: 104%
TTM: 2083%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 867%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 22%
Return on Equity
10 Years: %
5 Years: -4%
3 Years: -9%
Last Year: -18%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 2 5 15 15 15 15 15 15 15 15 15 15 15
Reserves 3 2 0 -0 -0 -12 -0 -0 0 0 -1 -3 10
Borrowing 0 1 2 0 0 0 0 0 0 1 5 7 0
0 0 0 0 0 1 6 6 7 6 9 22 86
Total Liabilities 5 8 17 15 15 4 20 21 22 23 27 40 111
0 0 0 0 0 0 0 4 0 7 7 9 11
CWIP 0 0 0 0 0 0 3 0 4 0 5 2 0
Investments 5 6 6 12 12 0 0 0 0 0 0 0 0
0 3 11 3 3 3 17 17 17 16 16 29 100
Total Assets 5 8 17 15 15 4 20 21 22 23 27 40 111

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0 -1 -8 -1 -0 0 -9 0 0 2 2 2
0 -1 -0 1 0 -0 9 -1 -0 -2 -5 -3
0 2 -2 0 0 -0 -0 0 0 0 3 2
Net Cash Flow 0 -0 -10 -0 -0 0 0 -0 0 0 0 1
Free Cash Flow 0 -1 -8 -0 -0 -0 -12 -0 -0 -0 -3 -1
CFO/OP -50% 4,733% 76,100% 4,700% 33% -79% 29,400% 1,200% 49% -1,733% -138% 534%

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % -0% -1% -0% -0% -0% -2% -0% 0% 5% -1% -10% -18%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Authorized Share Capital
INR Crores

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Total Number of Employees
Number
Cumulative Business / Transaction Volume
INR Crores
Fintech Processing Time Reduction
Percentage
Planned Ashapurti Loan Branches
Number

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
99.99% 99.99% 99.99% 99.99% 99.99% 99.99% 99.99% 99.99% 100.00% 100.00% 99.98% 99.99%
No. of Shareholders 4164114114104104104104238581,0901,5842,011

Documents

Announcements

Annual reports