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

₹ 8.60 -7.33%
21 Jul - close price
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 ₹ 12.8 Cr.
  • Current Price ₹ 8.60
  • High / Low ₹ 16.4 / 7.20
  • Stock P/E 2.15
  • Book Value ₹ 29.1
  • Dividend Yield 0.00 %
  • ROCE 91.6 %
  • ROE 37.6 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.30 times its book value
  • Company has delivered good profit growth of 204% CAGR over last 5 years

Cons

  • Company has a low return on equity of 12.2% over last 3 years.
  • 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

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.00 0.00 0.00 0.06 2.61 3.32 1.87 1.54 35.95 76.70 57.38 13.55 9.21
Interest 0.00 0.01 0.00 0.00 0.02 0.02 0.11 0.31 1.20 5.43 4.61 0.02 0.03
0.46 0.31 0.23 0.40 1.80 2.43 1.72 3.07 27.28 58.74 55.41 9.98 7.61
Financing Profit -0.46 -0.32 -0.23 -0.34 0.79 0.87 0.04 -1.84 7.47 12.53 -2.64 3.55 1.57
Financing Margin % -566.67% 30.27% 26.20% 2.14% -119.48% 20.78% 16.34% -4.60% 26.20% 17.05%
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 0.10 0.10 0.10 0.10 0.10 0.30 1.42 0.66 0.61 0.65 0.68 0.92 0.79
Profit before tax -0.56 -0.42 -0.33 -0.44 0.69 0.57 -1.38 -2.50 6.86 11.88 -3.32 2.63 0.78
Tax % 0.00% 0.00% 0.00% -56.82% 20.29% 24.56% 16.67% -36.00% 28.28% 29.55% 69.28% -0.38% 29.49%
-0.56 -0.42 -0.32 -0.18 0.56 0.44 -1.61 -1.60 4.91 8.37 -5.62 2.64 0.55
EPS in Rs -0.38 -0.28 -0.22 -0.12 0.38 0.30 -1.08 -1.08 3.30 5.63 -3.78 1.78 0.37
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0 0 0 0 0 2 0 1 0 0 9 184 157
Interest 0 0 0 0 0 0 0 0 0 0 0 11 10
0 0 0 0 0 2 0 0 0 1 9 152 132
Financing Profit -0 -0 -0 -0 -0 -0 0 1 -0 -1 -0 21 15
Financing Margin % -1,700% -2% 36% 73% -40% -2,233% -2% 11% 10%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 2 3 3
Profit before tax -0 -0 -0 -0 -0 -0 0 1 -0 -2 -3 18 12
Tax % 0% 0% 0% 0% 0% 0% 0% 14% 0% -14% -16% 42%
-0 -0 -0 -0 -0 -0 0 1 -0 -1 -2 10 6
EPS in Rs -0.08 -0.01 -0.05 -0.05 -0.13 -0.03 0.03 0.47 -0.08 -1.00 -1.48 6.93 4.00
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 341%
3 Years: 749%
TTM: 267%
Compounded Profit Growth
10 Years: %
5 Years: 204%
3 Years: 345%
TTM: 178%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 14%
Return on Equity
10 Years: 5%
5 Years: 9%
3 Years: 12%
Last Year: 38%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5 15 15 15 15 15 15 15 15 15 15 15
Reserves 2 0 -0 -0 -12 -0 -0 0 0 -1 -3 28
Borrowing 1 2 0 0 0 0 0 0 1 5 7 1
0 0 0 0 1 6 6 7 6 9 22 80
Total Liabilities 8 17 15 15 4 20 21 22 23 27 40 125
0 0 0 0 0 0 4 0 7 7 9 11
CWIP 0 0 0 0 0 3 0 4 0 5 2 0
Investments 6 6 12 12 0 0 0 0 0 0 0 0
3 11 3 3 3 17 17 17 16 16 29 114
Total Assets 8 17 15 15 4 20 21 22 23 27 40 125

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1 -8 -1 -0 0 -9 0 0 2 2 2 22
-1 -0 1 0 -0 9 -1 -0 -2 -5 -3 19
2 -2 0 0 -0 -0 0 0 0 3 2 -17
Net Cash Flow -0 -10 -0 -0 0 0 -0 0 0 0 1 24
Free Cash Flow -1 -8 -0 -0 -0 -12 -0 -0 -0 -3 -1 20
CFO/OP 4,733% 76,100% 4,700% 33% -79% 29,400% 1,200% 49% -1,733% -138% 534% 92%

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -1% -0% -0% -0% -2% -0% 0% 5% -1% -10% -18% 38%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Loan Portfolio (AUM)
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Number of Permanent Employees
count
Investments
INR Lakhs
Intangible Assets Under Development / Capital Work in Progress
INR Lakhs
Bank Tie-ups
count
Cumulative Business Volume
INR Crore
Payment Aggregator Tie-ups
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
99.99% 99.99% 99.99% 99.99% 99.99% 99.99% 99.99% 100.00% 100.00% 99.98% 99.99% 100.00%
No. of Shareholders 4114114104104104104238581,0901,5842,0112,348

Documents

Announcements

Annual reports