GYFTR Ltd

₹ 157 -1.49%

01 Oct - close price

About

The Company is engaged in the business of finance and trading in shares and securities, derivatives etc. It is a Non-Banking Financial Institution (NBFI).^[1]

Key Points

Business Overview:^[1]
Gyftr Limited (formerly LKP Finance Limited) operates a digital gifting, rewards and loyalty platform. It connects 400+ brands with the consumers, 750+ corporate clients and 14 banks through digital gift vouchers, corporate reward programmes and bank-loyalty redemption systems.

Website BSE NSE

Market Cap ₹ 1,204 Cr.
Current Price ₹ 157
High / Low ₹ 236 / 118
Stock P/E 69.5
Book Value ₹ 62.7
Dividend Yield 0.00 %
ROCE 6.01 %
ROE 4.44 %
Face Value ₹ 10.0

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Pros

Company has reduced debt.
Company is almost debt free.
Company's median sales growth is 15.4% of last 10 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 6.72% over last 3 years.
Earnings include an other income of Rs.56.6 Cr.
Dividend payout has been low at 2.28% of profits over last 3 years
Promoter holding has decreased over last 3 years: -13.5%

* 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 Other Financial Services

Part of BSE Financial Services

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	19.09	24.18	18.54	20.78	20.30	16.05	-14.43	-17.22	11.04	-7.52	83.40	302.48	158.19
	1.85	1.23	-1.46	10.05	0.90	1.36	0.57	7.78	1.81	5.39	100.96	300.77	156.04
Operating Profit	17.24	22.95	20.00	10.73	19.40	14.69	-15.00	-25.00	9.23	-12.91	-17.56	1.71	2.15
OPM %	90.31%	94.91%	107.87%	51.64%	95.57%	91.53%			83.61%		-21.06%	0.57%	1.36%
	0.03	0.00	0.01	0.17	0.01	0.00	0.00	16.96	0.00	17.73	28.24	6.04	4.58
Interest	1.11	0.66	0.89	0.57	0.97	0.11	0.25	0.09	0.03	0.19	0.05	0.06	0.06
Depreciation	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.83	1.37	2.14	2.13	1.41
Profit before tax	16.15	22.27	19.11	10.32	18.43	14.57	-15.26	-8.14	8.37	3.26	8.49	5.56	5.26
Tax %	19.01%	16.70%	22.55%	16.28%	28.70%	-4.32%	-24.90%	-19.66%	43.73%	-54.60%	30.51%	50.54%	30.61%
	13.08	18.55	14.80	8.63	13.14	15.20	-11.47	-6.55	4.70	5.03	5.90	2.75	3.65
EPS in Rs	1.70	2.42	1.93	1.12	1.71	1.98	-1.49	-0.85	0.61	0.65	0.77	0.36	0.48
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	83	45	44	78	14	19	96	56	25	83	7	380	537
	44	19	17	52	16	40	25	16	8	12	11	409	563
Operating Profit	40	27	27	26	-1	-21	71	40	17	71	-3	-29	-27
OPM %	47%	59%	60%	33%	-8%	-106%	74%	72%	66%	86%	-43%	-8%	-5.0%
	0	2	0	1	30	0	1	0	0	0	14	61	57
Interest	17	17	14	5	2	2	3	3	3	3	1	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	6	7
Profit before tax	22	12	12	21	26	-23	70	37	14	68	10	26	23
Tax %	21%	25%	19%	6%	24%	0%	13%	12%	10%	19%	-8%	28%
	18	9	10	20	20	-23	61	33	12	55	10	18	17
EPS in Rs	2.38	1.19	1.35	2.60	2.58	-2.95	7.91	4.27	1.59	7.17	1.34	2.39	2.26
Dividend Payout %	83%	96%	24%	13%	19%	-11%	4%	11%	10%	7%	0%	0%

Compounded Sales Growth
10 Years:	24%
5 Years:	32%
3 Years:	148%
TTM:	-11866%

Compounded Profit Growth
10 Years:	8%
5 Years:	-21%
3 Years:	15%
TTM:	240%

Stock Price CAGR
10 Years:	30%
5 Years:	45%
3 Years:	104%
1 Year:	31%

Return on Equity
10 Years:	8%
5 Years:	7%
3 Years:	7%
Last Year:	4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	12	12	12	12	13	13	13	13	13	13	13	77
Reserves	146	145	112	133	159	134	243	275	281	337	334	405
	106	67	95	56	36	36	46	82	87	55	36	1
	14	37	18	2	2	6	17	13	6	14	3	29
Total Liabilities	279	261	238	203	209	188	318	383	387	418	386	512
	1	1	1	2	0	0	0	0	0	0	0	50
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	71	77	67	51	115	83	229	207	238	328	178	346
	207	184	169	150	94	105	89	176	149	90	208	116
Total Assets	279	261	238	203	209	188	318	383	387	418	386	512

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-34	42	-8	58	-2	-14	-10	-16	14	52	-107	12
	30	18	-5	8	-45	18	5	-7	-22	-17	144	-108
	10	-50	16	-45	-27	-4	9	32	-1	-40	-20	81
Net Cash Flow	6	11	3	20	-74	0	4	8	-9	-5	17	-16
Free Cash Flow	-34	42	-9	57	-0	-14	-9	-16	14	52	-107	-20
CFO/OP	-73%	166%	-22%	248%	-393%	60%	1%	-22%	91%	79%	3,119%	-56%

Ratios

Standalone / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	50	84	85	0	395	220	27	11	10	0	0	14
Inventory Days												0
Days Payable
Cash Conversion Cycle	50	84	85	0	395	220	27	11	10	0	0	14
Working Capital Days	251	302	157	-78	-232	-80	-96	101	232	40	527	-5
ROCE %	16%	12%	12%	12%	14%	-11%	29%	12%	4%	18%	-1%	6%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loan Book
INR Lakhs

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					xx.xx	xx.xx	xx.xx	xx.xx	xxx.xx

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Number of Permanent Employees
count

Total Investment Book
INR Lakhs

Gross NPA as % of Total Loan Exposure
%

Investment in Debt Instruments (Bonds + G-Sec + Mutual Funds)
INR Lakhs

Investment in Equity Shares
INR Lakhs

Capital to Risk-Weighted Assets Ratio (CRAR)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Jul 2026
	63.62%	45.32%	45.32%	45.32%	45.32%	9.95%	61.21%	61.21%	50.08%	50.08%	50.08%	50.08%
	0.00%	3.30%	5.62%	7.20%	7.20%	4.42%	2.56%	2.61%	4.98%	4.43%	5.10%	5.10%
	0.00%	0.20%	0.00%	0.00%	0.00%	0.00%	0.00%	0.09%	4.03%	4.63%	4.41%	4.43%
	36.38%	51.18%	49.06%	47.47%	47.48%	85.63%	36.24%	36.10%	40.91%	40.86%	40.41%	40.39%
No. of Shareholders	5,219	5,935	7,419	6,992	7,012	5,875	5,637	5,555	5,673	7,065	6,809	6,802

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jul 2026
	64.44%	64.26%	63.52%	63.52%	63.62%	63.62%	63.62%	45.32%	9.95%	50.08%	50.08%
	0.00%	1.70%	0.16%	2.98%	2.08%	3.56%	3.56%	3.30%	4.42%	4.43%	5.10%
	1.95%	0.03%	0.02%	0.00%	0.00%	0.01%	0.00%	0.20%	0.00%	4.63%	4.43%
	33.61%	34.01%	36.30%	33.50%	34.30%	32.81%	32.81%	51.18%	85.63%	40.86%	40.39%
No. of Shareholders	5,995	5,722	4,992	4,295	4,185	5,496	5,418	5,935	5,875	7,065	6,802

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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GYFTR Ltd

GYFTR Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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