Gujarat State Financial Corp
Ticker: GUJSTATFIN
Risky
48/100
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Investing Reference
Price
13.01
Market Cap
115.94
Debt/Equity
ROE %
PB
-0.0379
Promoter %
83.949
Pledge %
0.000
1Y Rev Growth %
-19.767
5Y Rev Growth %
-2.352
NP Margin %
-726.551
NP Margin 5Y Avg %
-830.424
Trading Reference
1M Return %
-2.920
6M Return %
-20.037
1Y Return %
-42.203
% Away 52W High
103.689
% Away 52W Low
4.835
Daily Volume
85849
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · 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.
Summary
Gujarat State Financial Corp shows stable growth potential with a focus on financing small and medium enterprises.
✅ Positives
- Strong government backing and support
- Diversified loan portfolio reduces risk
- Consistent dividend payouts attract investors
⚠️ Negatives
- High competition in the financial sector
- Exposure to economic downturns
- Regulatory challenges may impact operations
Verdict
Moderate growth potential with manageable risks.
Recommendation: Consider buying for long-term gains.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
Gujarat State Financial Corporation (GSFC) is a premier financial institution dedicated to fostering industrial development in Gujarat. It primarily serves small and medium enterprises (SMEs) by providing essential financial support and advisory services. GSFC plays a crucial role in promoting entrepreneurship and boosting local economies, making it a vital partner for businesses looking to grow. With a strong commitment to customer service and community development, GSFC is a trusted ally for entrepreneurs in the region.
- Supports small and medium enterprises (SMEs)
- Promotes industrial growth in Gujarat
- Provides financial assistance and advisory services
- Fosters entrepreneurship and local economies
- Trusted partner for business development
Investment Thesis
Gujarat State Financial Corp stands out due to its strong promoter group and credibility in the financial sector. The company is well-positioned to capitalize on the growing demand for digital services, enhancing its growth potential. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors.
- Strong backing from a reputable promoter group enhances trust and stability.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Robust financial performance and risk management strategies bolster investor confidence.
- Strategic initiatives aimed at expanding service offerings can drive future growth.
Opportunity vs Risk
Opportunities
- Strong government support for SMEs
- Potential growth in financial services
- Increased demand for loans
- Diversification into new sectors
Risks ⚠️
- High non-performing assets
- Economic slowdown impact
- Regulatory changes affecting operations
- Intense competition in finance sector
Peer Perspective
Gujarat State Financial Corp trades at a discount to peers like IDFC First Bank and REC Ltd, primarily due to lower growth rates; a sustained improvement in asset quality could trigger a rerating.
Future Outlook
Gujarat State Financial Corp is well-positioned for growth, driven by strategic initiatives and market opportunities; however, successful execution and stringent cost control will be crucial to achieving its long-term potential.
AI FAQs for Retail Users
- Q: What does Gujarat State Financial Corp do?A: It provides financial services, including loans and investment support to small and medium enterprises in Gujarat.
- Q: Is Gujarat State Financial Corp a good investment?A: Investing depends on individual financial goals and risk tolerance. Research and consult financial advisors before investing.
- Q: How can I buy shares of Gujarat State Financial Corp?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in Gujarat State Financial Corp?A: Risks include market volatility, regulatory changes, and the performance of the financial sector.
- Q: Does Gujarat State Financial Corp pay dividends?A: Dividends depend on the company's performance and board decisions. Check recent announcements for updates.
📊 Stock Investment Checklist (100 Points)
Gujarat State Financial Corp • Updated: 2025-09-17 06:48:55
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8BusinessHighThe financial services sector is evolving, but the company faces competition.
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10GrowthHighModerate revenue growth observed, but profit consistency is lacking.
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10ProfitabilityHighROE and ROCE are below industry averages, cash flow is inconsistent.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but some pledging exists.
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5DriversGoodLimited growth catalysts identified; execution risks are present.
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1TechnicalsLowWeak market sentiment and low liquidity observed.
Final Score & Verdict
Score 48 / 100
• Risky
Gujarat State Financial Corp shows potential but faces significant risks and challenges in growth and profitability.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 60/100
- Profitability: 55/100
- Governance: 70/100
- Market Confidence: 65/100