Annual reportJul 2026
Jul 2026 · Notice Of 43Rd Annual General Meeting Of Company 9 Jun - 43rd AGM on July 2, 2026; annual report issued; Animesh Mehta and Narayan Meghani reappointment प्रस्ताव.
Source: Bse
Gujarat Lease Financing Limited (GLFL)
Small CapFinancial Services stocks · Small cap · NSE
Gujarat Lease Financing Limited operates in Leasing, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹5.19
+0.10 · +1.96%
Market cap ₹14.1 Cr
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:31 pm ISTDetails
Quote21 Oct, 03:31 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result31 Jul, 12:04 am IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags02 May 2026
Coverage11/14 · 79%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
31Bearishfull bear SMA stack · SMA20 -4.1% / mo · MACD −
Stock trend: 21
Sector RS: 45
Sector 3M: -5.7% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
GLFLD candles · FIT view-28.8%Latest close ₹5.19 on 2026-10-21
Bar
-3.9%
RSI
46
MACD hist
-0.01
52W pos
27%
2026-10-21O ₹5.40H ₹5.40L ₹4.78C ₹5.19Vol 1,784 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
GLFLNifty Financial ServicesNifty 500
- GLFL
- -0.2%
- Nifty 500
- -6.5%
- Nifty Financial Services
- -6.9%
- Vs Nifty 500
- +6.3 pp
Chart stats
21 Oct 2026- From 52W high
- -44.4%
- 52W range position
- 27%
- ATR (14)
- 8.8%
- Volume vs 20D
- 0.20x
- Avg traded value
- ₹0 Cr
- 20D price channel
- ₹4.8 - ₹5.9
₹9.3
₹3.7 - ₹9.3
₹0.5
Latest completed session
20-session average
52.3% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is weak.
Suggested next step
Check latest quarters
Result consistency is weak; verify whether the thesis is improving or deteriorating.
U-Score
Legacy · OVERVALUED25
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Pending data—
Revenue NDF · PAT NDF YoY
Technical
Bearish31
Price trend and sector-relative-strength timing.
Valuation
Legacy model-1935.3%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence64
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Pending dataYoY comparison unavailable - result verdict pending data
Filed 30 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹0 Cr | NDF | NDF |
| EBITDA | ₹-0.2 Cr | -12.5% | -260.0% |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹-0.1 Cr | NDF | -233.3% |
| PAT margin | NDF | NDF | NDF |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 471.00
- P/B
- —
- EV/EBITDA
- —
- Market Cap
- 14.10Cr
Profitability
- ROE
- —
- ROCE
- 0.84%
- ROA
- 0.47%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 85.00%
- EPS 5Y
- 16.00%
- Revenue 3Y
- 14.00%
- EPS 3Y
- -36.00%
Balance Sheet
- Debt/Equity
- 0.00
- Interest Coverage
- —
- Altman Z
- -0.80
- Book Value
- -1.49
Cash Flow
- FCF Yield
- 40.28%
- FCF Positive Y
- 8/5
- OCF
- 5.26 Cr
- EPS TTM
- 0.01
Shareholding
- Promoter Hold
- 45.67%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 27%
Financial History
Updated 21/10/2026
Revenue
₹ CrLatest: 0.0
Net Profit
₹ CrLatest: -0.1-233.3% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 46.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- SMA20 falling (~4.2% over last month) — short-term momentum negative.
- RSI(14) at 46 — sideways, no extreme reading.
- MACD below signal but histogram contracting — bearish momentum easing.
- 44% off 52W high · 42% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
49
RS percentile
Stage 1 Base / Transition
1M return
+0.0%
3M return
-0.2%
6M return
-21.6%
1Y return
-9.3%
RS 1D
+5
RS 20D
+7
Sector rank
#10
Industry rank
#64
Stage evidence
- Price is 9.2% below the 30-week proxy without full trend alignment.
- The 30-week proxy changed +0.7% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
weakening
Industry
lagging
Relative-strength line vs Nifty 500 (base 100)
223 observations
21 Oct 2026Value 88.45+2.92%
RS vs Nifty 50088
Valuation & peers
U-Score 25 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 25 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
OVERVALUED
Fundamental score breakdown
U band · OVERVALUEDValuation0/30
Growth12/25
Quality0/20
Balance Sheet6/15
Cash Flow10/10
Piotroski
7/9 (+5)
Penalties
-8
Raw sum
25
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
25/100 · legacy band OVERVALUED
Positive drivers
- FCF yield is supportive at 40.3%.
- Piotroski is strong at 7/9.
- Cash flow contributes 10/10 to the score.
Main drags
- Altman Z is -0.8, in distress territory.
- Penalty bucket subtracts 8 points.
- Fair-value margin of safety is negative at -1935.3%.
Sector valuation model
Blended valuation: PE, EV/EBITDA, FCF yield, and balance-sheet checks
For this sector, IndiaPulse uses a blended lens rather than relying on a single valuation ratio.
Primary lens
PE, EV/EBITDA, margin of safety, and FCF yield together.
Secondary checks
ROE/ROCE, growth, cash conversion, leverage, promoter risk.
Main risk check
One cheap metric is not enough if quality or cash flow is weak.
PE
471.0
PB
—
EV/EBITDA
—
ROE
—
ROCE
0.8%
FCF Yield
40.3%
Debt/Equity
0.0
MoS
-1935.3%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
25
Previous: 25
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
-1935.3%
Previous: -1896.1%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
25
25
25
25
25
25
25
25
25
25
25
25
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
—
Growth-justified P/E
25.5
Growth-justified Value
₹0.26
-1935.3% MoS
PEG
29.44
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
ASCOM
SME
Ascom Leasing & Investments Ltd.
NBFC
match 136
21
41.8
10.0%
-375%
OVERVALUED
DCMFINSERV
Small
DCM Financial Services Limited
NBFC
match 129
15
—
—
—
OVERVALUED
FIVESTAR
Small
Five-Star Business Finance Limited
NBFC
match 114
27
95.5
16.0%
-200%
OVERVALUED
ASHIKAG
Small
Ashika Global Securities Limited
NBFC
match 114
28
38.4
5.6%
-81%
OVERVALUED
IFCI
Small
IFCI Limited
NBFC
match 114
22
101.0
2.0%
-297%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Gujarat Lease Financing Limited operates in Leasing, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
64Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 42nd percentile of the scored universe and 57th percentile within Financial Services. Main check: financial discipline is weak at 48/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
3 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
42nd percentile
overall median 67 · Financial Services: 57th pctile, median 62 · Small: 47th pctile, median 66
Evidence depth
Financial-only
3 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
78
strong · holding, pledge, alignment
Cash flow
62
acceptable · profit to cash conversion
Balance sheet
80
strong · leverage and solvency
Discipline
48
watch · capital discipline
Results
48
watch · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸FCF yield is positive at 1%.
- ▸5 years of positive FCF.
- ▸Debt/equity is 0.00.
Trust risks
- ▸Operating cash flow is negative at ₹0 Cr.
- ▸ROCE is low at -4.6%.
- ▸1 of the latest 4 quarters had PAT decline worse than 25% YoY.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Gujarat Lease Financing Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 11 Jun - Newspaper Advertisement for 43rd Annual General Meeting of the Company
Source: Bse
Annual report
Reg. 34 (1) Annual Report. 9 Jun
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 6 Jun - Intimation of 43rd Annual General Meeting of the Company through VC / OAVM
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Change in Directorate 30 Apr - Board approved FY26 audited results; profit Rs 4.71 lakh, and reappointed two independent directors.
Source: Bse
Announcement
Board Meeting Outcome for Outcome Of Board Meeting 30 Apr - Board approved FY26 audited results and reappointed two independent directors for 2027-2032, subject to shareholder approval.
Source: Bse
Annual reportMar 2026
Mar 2026 · Annual Report 2026
Source: Bse
Annual reportMar 2025
Mar 2025 · Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.