GSB Finance Ltd
₹ 30.2
-8.46%
02 Apr
- close price
About
Incorporated in 1982, GSB Finance Ltd is in the business of finance & investment and trading in shares.[1]
Key Points
- Market Cap ₹ 18.1 Cr.
- Current Price ₹ 30.2
- High / Low ₹ 49.8 / 25.0
- Stock P/E
- Book Value ₹ 23.6
- Dividend Yield 0.00 %
- ROCE 6.42 %
- ROE 5.14 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 0.00% over past five years.
- Company has a low return on equity of 6.06% over last 3 years.
* 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.
Loading peers table ...
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10.09 | 74.53 | 15.72 | 10.31 | 13.24 | 6.86 | 1.78 | 1.48 | 2.50 | 3.25 | 3.68 | 1.78 | 1.21 | |
| Interest | 0.25 | 0.35 | 0.01 | 0.03 | 0.04 | 0.01 | 0.26 | 0.37 | 0.30 | 0.46 | 0.29 | 0.07 | 0.01 |
| 9.69 | 73.87 | 15.40 | 9.10 | 12.80 | 6.76 | 1.46 | 0.61 | 1.84 | 2.72 | 1.80 | 0.90 | 1.33 | |
| Financing Profit | 0.15 | 0.31 | 0.31 | 1.18 | 0.40 | 0.09 | 0.06 | 0.50 | 0.36 | 0.07 | 1.59 | 0.81 | -0.13 |
| Financing Margin % | 1.49% | 0.42% | 1.97% | 11.45% | 3.02% | 1.31% | 3.37% | 33.78% | 14.40% | 2.15% | 43.21% | 45.51% | -10.74% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 | |
| Depreciation | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.13 | 0.30 | 0.29 | 1.16 | 0.38 | 0.07 | 0.04 | 0.50 | 0.35 | 0.07 | 1.60 | 0.83 | -0.11 |
| Tax % | -123.08% | 80.00% | 48.28% | 47.41% | 31.58% | 42.86% | 150.00% | 42.00% | 31.43% | -14.29% | 1.88% | 13.25% | |
| 0.28 | 0.05 | 0.16 | 0.62 | 0.26 | 0.03 | -0.01 | 0.29 | 0.25 | 0.07 | 1.57 | 0.72 | -0.12 | |
| EPS in Rs | 0.47 | 0.08 | 0.27 | 1.03 | 0.43 | 0.05 | -0.02 | 0.48 | 0.42 | 0.12 | 2.62 | 1.20 | -0.20 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 24.19% | 57.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -31% |
| 5 Years: | 0% |
| 3 Years: | -11% |
| TTM: | -49% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 31% |
| 5 Years: | 137% |
| 3 Years: | 42% |
| TTM: | -117% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 30% |
| 3 Years: | 40% |
| 1 Year: | -17% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 5% |
| 3 Years: | 6% |
| Last Year: | 5% |
Balance Sheet
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5.97 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 |
| Reserves | 4.32 | 4.38 | 4.58 | 5.35 | 5.48 | 5.34 | 5.33 | 5.69 | 6.00 | 6.09 | 7.66 | 8.38 | 8.19 |
| Borrowing | 2.69 | 0.00 | 0.50 | 0.00 | 0.01 | 3.00 | 4.26 | 3.01 | 4.75 | 6.44 | 0.00 | 0.00 | 0.00 |
| 0.11 | 0.17 | 0.11 | 1.02 | 0.15 | 0.12 | 0.26 | 0.35 | 0.39 | 0.27 | 0.50 | 0.33 | 0.30 | |
| Total Liabilities | 13.09 | 10.55 | 11.19 | 12.37 | 11.64 | 14.46 | 15.85 | 15.05 | 17.14 | 18.80 | 14.16 | 14.71 | 14.49 |
| 0.13 | 0.12 | 0.10 | 0.08 | 0.08 | 0.06 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | |
| CWIP | 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 |
| Investments | 0.02 | 0.02 | 0.02 | 0.07 | 0.13 | 0.12 | 0.13 | 0.12 | 0.20 | 0.19 | 0.00 | 0.75 | 0.44 |
| 12.94 | 10.41 | 11.07 | 12.22 | 11.43 | 14.28 | 15.69 | 14.90 | 16.92 | 18.59 | 14.14 | 13.94 | 14.03 | |
| Total Assets | 13.09 | 10.55 | 11.19 | 12.37 | 11.64 | 14.46 | 15.85 | 15.05 | 17.14 | 18.80 | 14.16 | 14.71 | 14.49 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.12 | 2.52 | -0.50 | 0.55 | 0.21 | -2.68 | -1.38 | 1.60 | -2.05 | -1.72 | 6.47 | -0.04 | |
| 0.01 | 0.01 | 0.01 | -0.06 | -0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | |
| 0.19 | -2.66 | 0.50 | -0.50 | -0.18 | 2.81 | 1.26 | -1.24 | 1.73 | 1.70 | -6.44 | 0.00 | |
| Net Cash Flow | 0.08 | -0.13 | 0.00 | 0.00 | 0.02 | 0.14 | -0.11 | 0.36 | -0.32 | -0.03 | 0.11 | -0.04 |
| Free Cash Flow | -0.11 | 2.52 | -0.50 | 0.54 | 0.21 | -2.68 | -1.38 | 1.60 | -2.05 | -1.72 | 6.47 | -0.04 |
| CFO/OP | -30% | 382% | -156% | 45% | 48% | -2,660% | -422% | 184% | -292% | -325% | 351% | 9% |
Ratios
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2.76% | 0.48% | 1.53% | 5.65% | 2.28% | 0.26% | -0.09% | 2.52% | 2.11% | 0.58% | 12.19% | 5.14% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Closing Balance of Investments INR |
|
||||||||||
| Dividend Income INR |
|||||||||||
| Interest Income INR |
|||||||||||
| Loans and Advances (Loan Book) INR |
|||||||||||
Requires Premium
Requires Premium
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Change in Management
30 Mar - M/s J K & Associates resigned as secretarial auditor effective 30.03.2026, citing personal reasons.
- Closure of Trading Window 26 Mar
-
Filing Of Reply On The Clarification Sought By The Exchange.
5 Mar - Reply to BSE on 02.03.2026 board meeting filing; meeting ended 04:30, filing at 05:45.
-
Appointment of Company Secretary and Compliance Officer
5 Mar - Appointed Mr. Akshat Sharma as Company Secretary and Compliance Officer, effective 02.03.2026.
-
Intimation Under Regulation 8(2) Of The SEBI (Prohibition Of Insider Trading) Regulations, 2015 - 'Code Of Fair Disclosure'
2 Mar - Board amended Code of Fair Disclosure (UPSI) under Regulation 8(2); updated code enclosed, dated 02 March 2026.
Annual reports
-
Financial Year 2025
from bse
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2011
from bse
Business Overview:[1][2]
GSBFL is registered as a Non-Systematically Important Non-Deposit Accepting Non-Banking Financial Company. It is a Base Layer Investment NBFC that is engaged in:
a) Making long-term and short-term investments in listed and unlisted securities, including equity shares, preference shares, mutual funds, and debt instruments.
b) Generating income through dividends, interest, and capital appreciation