GSB Finance

Why is GSB Finance Ltd falling/rising?

As of 14-Jul, GSB Finance Ltd's stock price is at 44.04, down 4.94% today and has declined 6.58% over the last two days. Despite a strong year-to-date increase of 35.51%, current trading shows negative sentiment and low buying interest at higher prices.

As of 14-Jul, GSB Finance Ltd's stock price is falling, currently at 44.04, which reflects a change of -2.29 (-4.94%). The stock has been underperforming the sector by 3.46% today and has experienced a consecutive decline over the last two days, resulting in a total drop of -6.58% during this period. It opened with a loss of -3.69% and reached an intraday low of Rs 44.02, indicating significant downward pressure.<BR><BR>Despite the recent declines, the stock has shown strong performance over longer periods, with a year-to-date increase of 35.51% and a three-year increase of 209.05%. However, the current trading conditions reflect a wide range of Rs 4.62, with more volume traded closer to the low price, suggesting a lack of buying interest at higher levels.<BR><BR>Additionally, while there has been a rise in investor participation, with delivery volume increasing by 78.13% against the five-day average, the overall market sentiment appears to be negative at this moment, contributing to the stock's decline.

Which are the latest news on GSB Finance?

Should I buy, sell or hold GSB Finance Ltd?

How big is GSB Finance?

As of 10th June, GSB Finance Ltd has a market capitalization of 23.00 Cr, with Net Sales of 1.22 Cr and a Net Profit loss of 0.32 Cr over the latest four quarters. Shareholder's Funds were 14.38 Cr and Total Assets were 14.69 Cr as of March 2025.

As of 10th June, GSB Finance Ltd has a market capitalization of 23.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, GSB Finance reported Net Sales of 1.22 Cr. However, the company experienced a loss of 0.32 Cr in Net Profit during the same period.<BR><BR>The latest annual period for the balance sheet is March 2025, where Shareholder's Funds amounted to 14.38 Cr and Total Assets were valued at 14.69 Cr.

Who are in the management team of GSB Finance?

The management team of GSB Finance includes R S Biyani (Executive Director & Managing Director), Suyash Biyani (Non-Executive Director), and Usha Patel (Independent Non-Executive Director).

The management team of GSB Finance includes the following individuals:<BR><BR>1. R S Biyani - Executive Director & Managing Director<BR>2. Suyash Biyani - Non-Executive Director / Chief<BR>3. Usha Patel - Independent Non-Executive Director<BR><BR>If you need more details about their roles or the company, feel free to ask!

Who are the peers of the GSB Finance?

Peers of GSB Finance include Jindal Capital, Swarna Securitie, Ashirwad Cap., and others. GSB Finance has a 1-year return of 30.45%, outperforming its peers, with excellent management and capital structure ratings.

Peers: The peers of GSB Finance are Jindal Capital, Swarna Securitie, Ashirwad Cap., Easun Capital Ma, Smart Finsec, Roselabs Finance, Mansi Fin.(Chen), Helpage Finlease, and Shree Metalloys.<BR><BR>Quality Snapshot: Excellent management risk is observed at Jindal Capital, Ashirwad Cap., Easun Capital Ma, Smart Finsec, Mansi Fin.(Chen), Helpage Finlease, and GSB Finance, while Below Average management risk is found at Shree Metalloys. Average growth is noted at Ashirwad Cap. and Shree Metalloys, while Below Average growth is seen at Jindal Capital, Easun Capital Ma, Smart Finsec, Mansi Fin.(Chen), and GSB Finance. Excellent capital structure is present at Jindal Capital, Ashirwad Cap., Easun Capital Ma, Smart Finsec, Mansi Fin.(Chen), Helpage Finlease, and GSB Finance, while the rest do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Swarna Securitie at 25.82%, while the lowest is Ashirwad Cap. at -35.65%. GSB Finance has a 1-year return of 30.45%, which is higher than both of these peers. Additionally, the six-month return is negative for Easun Capital Ma, Smart Finsec, Roselabs Finance, and Mansi Fin.(Chen).

What does GSB Finance do?

GSB Finance Ltd is a micro-cap Non Banking Financial Company (NBFC) that provides financial services, investment, and trading in shares and securities. As of March 2026, it reported net sales and profit of 0 Cr, with a market cap of INR 23 Cr.

Overview:<BR>GSB Finance Ltd is a Non Banking Financial Company (NBFC) in the micro-cap category, primarily engaged in providing financial services, investment, and trading in shares and securities.<BR><BR>History:<BR>GSB Finance Ltd was originally incorporated as Ravi Cement Limited in November 1982 and changed its name to GSB Finance Limited in August 1993. The latest quarterly results reported net sales and net profit of 0 Cr for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 0 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 23 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: -2.27% <BR>Price to Book: 1.65<BR><BR>Contact Details:<BR>Address: 815 Stock Exchange Tower, 8th Floor Dalal Street Mumbai Maharashtra : 400001 <BR>Email: gsb_capital@rediffmail.com / gsb203@g <BR>Website: http://www.gsbfinance.com

When is the next results date for GSB Finance Ltd?

The next results date for GSB Finance Ltd is 29 May 2026.

The next results date for GSB Finance Ltd is scheduled for 29 May 2026.

Are GSB Finance Ltd latest results good or bad?

GSB Finance Ltd's latest results show a significant recovery in net profit, improving from a loss to a profit of ₹0.18 crore, but ongoing revenue declines and underperformance compared to its sector raise concerns about long-term sustainability. Investors should be cautious due to these structural challenges.

GSB Finance Ltd's latest results present a mixed picture. On one hand, the company reported a net profit of ₹0.18 crore for Q3 FY26, a significant recovery from a loss of ₹0.30 crore in the previous quarter (Q2 FY26), marking a 160% improvement quarter-on-quarter. Additionally, the year-on-year growth in net profit is positive at 38.46%, up from ₹0.13 crore in Q3 FY25. The profit margins also show a remarkable turnaround, with a PAT margin of 58.06% and an operating margin of 48.39%, both of which are substantial improvements from the negative margins seen in the prior quarter.<BR><BR>However, these positive aspects are overshadowed by ongoing challenges. The company's net sales for Q3 FY26 were ₹0.31 crore, reflecting a decline of 3.13% from the previous quarter and a significant drop of 29.55% year-on-year. This persistent revenue decline raises concerns about the sustainability of the recent profit recovery. Furthermore, GSB Finance has underperformed compared to its sector, with a negative return of 6.26% over the past year, while the broader NBFC sector has seen gains.<BR><BR>Overall, while the recovery in profitability is a positive sign, the underlying issues related to revenue generation and operational scale suggest that the company's long-term outlook remains concerning. Investors should approach GSB Finance with caution, considering the structural challenges and the lack of institutional interest in the stock.

Is GSB Finance overvalued or undervalued?

As of December 4, 2025, GSB Finance is considered overvalued with a very expensive valuation grade, reflected in its unfavorable financial metrics, including a PE ratio of -130.20 and an EV to EBITDA of -21.98, alongside poor stock performance of -24.28% year-to-date compared to the Sensex's 9.12% gain.

As of 4 December 2025, GSB Finance has moved from a risky to a very expensive valuation grade. The company is currently overvalued based on its financial metrics. Key ratios include a PE ratio of -130.20, an EV to EBITDA of -21.98, and a Price to Book Value of 1.56. <BR><BR>When compared to peers, GSB Finance's valuation stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 34.9 and an EV to EBITDA of 19.63, while Life Insurance boasts a PE of 10.85 and an EV to EBITDA of 8.92. Additionally, GSB Finance's recent stock performance has been poor, with a year-to-date return of -24.28%, contrasting sharply with the Sensex's gain of 9.12% during the same period, reinforcing the notion of overvaluation.

How has been the historical performance of GSB Finance?

GSB Finance has experienced significant fluctuations in financial performance, with net sales declining from 6.86 Cr in Mar'19 to 1.78 Cr in Mar'25, although profitability metrics like profit after tax improved from a loss in Mar'21 to 0.72 Cr in Mar'25. Total assets and liabilities decreased, and cash flow from operations turned negative in Mar'25, indicating liquidity challenges.

Answer:<BR>The historical performance of GSB Finance shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>GSB Finance's net sales have seen a decline from 6.86 Cr in Mar'19 to 1.78 Cr in Mar'25, with a notable drop in Mar'23 to 3.25 Cr. Other operating income was non-existent in Mar'25, while it was 2.38 Cr in Mar'24. Total operating income peaked at 6.86 Cr in Mar'19 but fell to 1.78 Cr in Mar'25. The total expenditure, excluding depreciation, also decreased from 6.78 Cr in Mar'19 to 0.96 Cr in Mar'25. Operating profit, excluding other income, showed a recovery from 0.07 Cr in Mar'21 to 0.82 Cr in Mar'25, while profit before tax improved from 0.04 Cr in Mar'21 to 0.83 Cr in Mar'25. Profit after tax followed a similar trend, rising from a loss of -0.01 Cr in Mar'21 to 0.72 Cr in Mar'25. The company's earnings per share (EPS) increased from -0.02 in Mar'21 to 1.2 in Mar'25. On the balance sheet, total assets decreased from 18.78 Cr in Mar'23 to 14.69 Cr in Mar'25, while total liabilities also fell from 18.78 Cr to 14.69 Cr in the same period. Cash flow from operating activities was positive at 6.00 Cr in Mar'24 but dropped to 0.00 Cr in Mar'25, indicating a significant change in liquidity. Overall, GSB Finance has experienced a challenging financial landscape, with some recovery in profitability metrics in recent years.

What is the technical trend for GSB Finance?

As of April 23, 2025, GSB Finance's technical trend is mildly bullish, supported by daily moving averages and monthly indicators, despite mixed signals from the MACD and Bollinger Bands.

As of 23 April 2025, the technical trend for GSB Finance has changed from bullish to mildly bullish. The weekly MACD is bearish, while the monthly MACD is bullish, indicating mixed signals. The weekly Bollinger Bands are mildly bearish, contrasting with the monthly bullish stance. Daily moving averages show a mildly bullish trend, which supports the overall mildly bullish outlook. The KST is bearish on a weekly basis but bullish monthly, further contributing to the mixed signals. The Dow Theory indicates a mildly bullish trend on the weekly chart with no trend on the monthly. Overall, the technical stance is mildly bullish, driven primarily by the daily moving averages and monthly indicators.

Who are the top shareholders of the GSB Finance?

The top shareholder of GSB Finance is Ramakant Sagarmal Biyani, holding 24.59%, while Trinity Realty And Fininvest Consultants Private Limited is the largest public shareholder at 2.43%. Individual investors own a total of 38.27%, with no mutual funds or foreign institutional investors currently holding shares.

The top shareholders of GSB Finance include the promoters, with Ramakant Sagarmal Biyani holding the highest share at 24.59%. Additionally, Trinity Realty And Fininvest Consultants Private Limited is the highest public shareholder, owning 2.43%. Individual investors collectively hold 38.27% of the shares. There are currently no mutual funds or foreign institutional investors (FIIs) holding shares in the company.

Has GSB Finance declared dividend?

GSB Finance Ltd has declared a 2% dividend, amounting to 0.2 per share, with an ex-date of September 24, 2018. However, there has been no dividend return in recent periods, as indicated by a consistent 0% dividend return across all time frames.

GSB Finance Ltd has declared a 2% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2%<BR>- Amount per share: 0.2<BR>- Ex-date: 24 Sep 18<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -10.23%, the dividend return was 0%, resulting in a total return of -10.23%.<BR><BR>For the 1-year period, the price return was 90.87%, the dividend return was 0%, leading to a total return of 90.87%.<BR><BR>Over the 2-year period, the price return was 159.98%, with a dividend return of 0%, resulting in a total return of 159.98%.<BR><BR>In the 3-year period, the price return was 320.42%, the dividend return was 0%, giving a total return of 320.42%.<BR><BR>During the 4-year period, the price return was 104.38%, with a dividend return of 0%, resulting in a total return of 104.38%.<BR><BR>For the 5-year period, the price return was 198.83%, the dividend return was 0%, leading to a total return of 198.83%.<BR><BR>Overall, GSB Finance Ltd has declared a dividend, but it has not issued any dividends in the recent periods, as indicated by the 0% dividend return across all time frames. The total returns have varied significantly, particularly with a strong performance in the longer periods, suggesting potential growth despite the lack of recent dividends.