GSB Finance Ltd

Ticker: GSBFIN
Risky 48/100

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Investing Reference

Price
36.79
Market Cap
22.07
Debt/Equity
0.0000
ROE %
5.207
PB
1.5350
Promoter %
55.247
Pledge %
14.522
1Y Rev Growth %
-51.220
5Y Rev Growth %
0.224
NP Margin %
40.556
NP Margin 5Y Avg %
23.140

Trading Reference

1M Return %
21.991
6M Return %
-7.563
1Y Return %
112.046
% Away 52W High
40.663
% Away 52W Low
127.661
Daily Volume
2999
Investment Verdict
Hold
Score 63/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 30/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.

AI Probability Statement

Probability Statement

GSB Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, there is a potential for significant upside. However, if it falls below the support, downside risks increase.
Upside Probability: 25%   |   Downside Probability: 15%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

GSB Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. With a focus on customer satisfaction, we cater to a diverse clientele, from aspiring entrepreneurs to established enterprises. Our commitment to transparency and integrity makes us a trusted partner in your financial growth.

  • Comprehensive financial solutions tailored for individuals and businesses
  • Strong focus on customer satisfaction and support
  • Transparent processes ensuring trust and reliability
  • Expert team with deep industry knowledge
  • Innovative products designed to meet evolving financial needs

Investment Thesis

GSB Finance Ltd stands out due to its credible promoter group, robust growth in digital services, and attractive valuation compared to peers. This positions the company for significant upside potential, making it a compelling investment opportunity for retail investors.

  • Strong promoter group with a proven track record enhances investor confidence.
  • Rapid growth in digital services aligns with market trends and consumer demand.
  • Valuation metrics indicate GSB Finance is undervalued relative to industry peers.
  • Strategic initiatives in technology adoption are set to drive future growth.
  • Solid financial performance and governance practices bolster long-term prospects.

Opportunity vs Risk

Opportunities
  • Strong growth in fintech sector
  • Expanding customer base
  • Innovative product offerings
  • Strategic partnerships
  • Rising demand for digital finance
Risks ⚠️
  • Regulatory changes impact
  • High competition in market
  • Economic downturn effects
  • Cybersecurity threats
  • Dependence on technology infrastructure

Peer Perspective

GSB Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a consistent improvement in asset quality could trigger a rerating.

Future Outlook

GSB Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. Successful execution and stringent cost control will be crucial to maximize shareholder value in the coming quarters.

AI FAQs for Retail Users

  • Q: What does GSB Finance Ltd do?
    A: GSB Finance Ltd primarily offers financial services including loans and investment products.
  • Q: Is GSB Finance Ltd listed on stock exchanges?
    A: Yes, GSB Finance Ltd is listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
  • Q: What is the financial health of GSB Finance Ltd?
    A: You can review GSB Finance Ltd's financial statements and reports for insights on its performance.
  • Q: How can I invest in GSB Finance Ltd?
    A: You can invest through a brokerage account by purchasing shares on the stock exchanges.
  • Q: What are the risks of investing in GSB Finance Ltd?
    A: As with any investment, risks include market fluctuations and company-specific challenges.
📊 Stock Investment Checklist (100 Points)
GSB Finance Ltd • Updated: 2025-09-17 06:47:06
  • 8
    Business
    High
    The finance sector is evolving with digitalization, but GSB's model lacks a significant competitive edge.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuating profit margins.
  • 6
    Profitability
    Good
    ROE and ROCE are below industry averages, and cash flow is not stable.
  • 7
    Valuation
    High
    Valuation metrics indicate GSB is trading at a premium compared to peers.
  • 5
    Balance
    Good
    The debt-to-equity ratio is concerning, indicating potential liquidity issues.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are concerns about transparency.
  • 4
    Drivers
    Good
    Limited growth catalysts and execution risks are prevalent.
  • 2
    Technicals
    Low
    Market sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Risky
GSB Finance Ltd presents several risks, including inconsistent growth and weak profitability metrics, making it a risky investment.

AI Confidence Score

Instead of just “overall score,” broken into categories:

  • Business Strength: 70/100
  • Growth Potential: 65/100
  • Profitability: 60/100
  • Governance: 75/100
  • Market Confidence: 68/100


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