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GSB Finance Ltd

NSE: BSE: 511543

33.55

(0.15%)

Sat, 21 Mar 2026, 02:43 pm

GSB Finance Analysis

dividend

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Pros

  • GSB Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • GSB Finance has only been paying a dividend for 3 years, and since then there has been no growth.
  • Whilst dividend payments have been stable, GSB Finance has been paying a dividend for less than 10 years.
  • GSB Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • GSB Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • GSB Finance is profitable, therefore cash runway is not a concern.
  • GSB Finance is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 4.8x debt.
  • GSB Finance's cash and other short term assets cover its long term commitments.
  • Interest payments on debt are well covered by earnings (EBIT is 4.4x coverage).
  • GSB Finance's level of debt (26.4%) compared to net worth is satisfactory (less than 40%).
  • Low level of unsold assets.
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Cons

  • Operating cash flow is negative therefore debt is not well covered.
  • The level of debt compared to net worth has increased over the past 5 years (26% vs 26.4% today).

management

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Pros

  • The tenure for the GSB Finance board of directors is about average.
  • Ramakant's remuneration is lower than average for companies of similar size in India.
  • Ramakant's compensation has been consistent with company performance over the past year, both up more than 20%.
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Cons

    misc

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    Pros

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      Cons

      • GSB Finance is not covered by any analysts.
      • GSB Finance has significant price volatility in the past 3 months.
      • BSE:511543 has not traded for 8 days.

      past

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      Pros

      • GSB Finance's 1-year earnings growth exceeds its 5-year average (54.7% vs 17.2%)
      • GSB Finance's year on year earnings growth rate has been positive over the past 5 years.
      • GSB Finance used its assets more efficiently than the IN Capital Markets industry average last year based on Return on Assets.
      • GSB Finance has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
      • GSB Finance's earnings growth has exceeded the IN Capital Markets industry average in the past year (54.7% vs -4.7%).
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      Cons

      • GSB Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

      value

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      Pros

      • BSE:511543 is up 9.3% along with the Capital Markets industry (8.7%) over the past month.
      • BSE:511543 is up 9.3% outperforming the market in India which returned 8% over the past month.
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      Cons

      • GSB Finance is overvalued based on assets compared to the IN Capital Markets industry average.
      • GSB Finance is overvalued based on earnings compared to the IN Capital Markets industry average.
      • GSB Finance is overvalued based on earnings compared to the India market.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800