Gujarat State Financial Corporation Stock Price Today (NSE: GUJSTATFIN)

Gujarat State Financial Corporation

10.500.02 (0.19%)
Market Closed

Fundamental Score

...

Gujarat State Financial Corporation Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Gujarat State Financial Corporation share price today is 10.50, down 0.19% on NSE/BSE as of 19 June 2026. Gujarat State Financial Corporation (GUJSTATFIN) is a Small-cap company in the Financial Institution sector with a market capitalisation of 101.41 (Cr). The 52-week high for GUJSTATFIN share price is 17.30 and the 52-week low is 8.40.

Gujarat State Financial Corporation Share Price Chart — NSE/BSE Historical Performance

No data
High
11.94
Low
10.06
Volume
11.3K
Change
-2.73%

Gujarat State Financial Corporation share price chart: -2.73% return over the past month. 52-week high ₹17.30, 52-week low ₹8.40.

Gujarat State Financial Corporation — Last 10 Trading Days

DateOpenHighLowCloseVolume
10.1910.8010.1910.509.02K (Cr)
10.2111.0010.2110.5211.24K (Cr)
11.2911.2910.6310.6910.94K (Cr)
10.6511.1010.5510.704.38K (Cr)
11.4011.4010.3110.676.27K (Cr)
10.6410.9810.1510.665.08K (Cr)
10.0610.8510.0610.434.79K (Cr)
10.2011.8910.2010.4120.02K (Cr)
10.3610.6010.3110.473.12K (Cr)
10.3510.7910.3510.474.63K (Cr)

Gujarat State Financial Corporation — Last 12 Months Price History

MonthOpenHighLowCloseChange
10.2111.0010.1910.50+2.84%
10.6011.9410.0610.69+0.85%
8.4012.498.4010.78+28.33%
10.9111.579.009.30-14.76%
11.5712.7510.7311.16-3.54%
11.2312.9811.0311.26+0.27%
12.0313.0011.0011.75-2.33%
13.4913.8611.0012.03-10.82%
13.7015.0012.4113.01-5.04%
15.5416.3113.4513.67-12.03%
14.4916.9313.0015.31+5.66%
16.5016.9514.0014.22-13.82%

AI Research Briefing

Powered by Gemini · 2026-04-09

Gujarat State Financial Corporation is a value trap kept afloat by the state government, with no fundamental basis for investment.

Research Confidence
8.0/10High
DEBT TRAP TURNAROUNDBreakdown. 1M: -12.53%, 3M: -24.13%, 6M: -31.82% [cite: brief].Expensive. P/E is nonexistent, while the industry P/E is 22.38x [cite: brief].

WHAT'S HAPPENING NOW (last 2-4 weeks)

No major catalysts found after live search. Recent news indicates a fine of akhs was imposed by BSE for non-compliance with corporate governance regulations. The company's losses increased by 5% in the year 2024-25, with staff strength reducing from 16 to 12.

CORE STORY (THE REAL GAME)

A zombie SME lender, kept alive by the Gujarat state government, primarily focused on recovering dues rather than originating new loans. This is a restructuring play, not a growth story.

Why Now
  • Hopes of government bailout or restructuring
  • Low liquidity can cause sharp spikes
Potential Catalysts
  • Government announces a concrete restructuring plan
  • Significant reduction in losses
  • Improved asset quality
Key Risks
  • Micro/SME cap = liquidity risk
  • Negative book value
  • High promoter holding limits float
  • Poor financials
Institutional Activity

DII reduced their stake by 0.06% [cite: brief].

Macro Context

Indian banks are entering 2026 in a strong position, but GSFC is unlikely to benefit.

Cash Flow Quality

No. Free Cash Flow 5Y: ₹-48.5 Cr [cite: brief].

3–6 Month Outlook

GSFC's future hinges on government intervention. Without it, continued losses and erosion of net worth are expected.

Primary Thesis Risk

Reliance on government bailout is the single biggest thesis killer.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Return on Equity (ROE)

N/A

Profit generated per ₹1 of shareholder equity

Return on Capital (ROCE)

N/A

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

69.36%

Average operating profit margin over 5 years

Dividend Yield

0.00%

Annual dividend as % of current share price

Gujarat State Financial Corporation Valuation Check

Price to Earnings (P/E)

N/A

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

22.38x

Average P/E of all peers in this sector

Market-cap Classification
Small-cap
Higher growth potential with higher volatility.

Shareholding Pattern

Excellent

Promoter Holding

83.95%

% shares held by company founders/management

Poor

FII Holding

0.00%

% shares held by foreign institutional investors

Poor

DII Holding

1.38%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Poor

Profit Growth (Quarterly YoY)

-1.04%

Net profit growth vs same quarter last year

Poor

Revenue Growth (Quarterly YoY)

-85.29%

Revenue growth vs same quarter last year

Poor

Revenue Growth (5-Year CAGR)

3.10%

Compounded annual revenue growth over 5 years

Poor

EPS Growth (5-Year CAGR)

-1.38%

Earnings per share growth over 5 years

Poor

Net Profit Growth (5-Year CAGR)

-1.38%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Debt to Equity Ratio

N/A

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

0.09x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-48.50 (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Gujarat State Financial Corporation Fundamental Analysis & Valuation Benchmarking

Educational evaluation of GUJSTATFIN across key market metrics for learning purposes.

Positive Indicators

2 factors identified

Strong Operating Margins (69.36%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

9 factors identified

Revenue Contraction (-85.29%)

Observation: Sales decline may indicate market challenges or competitive pressures.

Analysis: Negative revenue growth requires analysis of market conditions.

Limited Growth History (3.10% CAGR)

Observation: Below-average 5-year sales growth trajectory.

Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.

Weak Earnings Growth (-1.38% CAGR)

Observation: Below-average 5-year EPS growth performance.

Analysis: Low EPS growth may not keep pace with inflation.

Stagnant Profit Growth (-1.38% CAGR)

Observation: Limited 5-year profit growth trajectory.

Analysis: Low profit growth may indicate scalability challenges or market maturity.

Weak Interest Coverage (0.09x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-48.50 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Limited Public Float (83.95% Promoter Holding)

Observation: High promoter holding may restrict liquidity and price discovery.

Analysis: Very high promoter holding can limit trading liquidity.

Limited Institutional Interest (FII+DII: 1.38%)

Observation: Low institutional participation may affect liquidity.

Analysis: Limited institutional interest may indicate size constraints or visibility issues.

No Dividend Distribution

Observation: Company does not currently pay dividends to shareholders.

Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.

Gujarat State Financial Corporation vs Financial Institution Peers

Peer Comparison - Financial Institution

Compare Gujarat State Financial Corporation with 8 other companies in the same sector

9 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
14.2/100
11
₹101.41
-1.38%
Poor
3.10%
Average
0.00%
39.6/100
99
₹152980.11
22.4
Average
12.77%
Average
5.83%
Poor
7.3
Poor
15.29%
Excellent
15.13%
Excellent
1.37%
57.2/100
434
₹118985.95
4.8
Average
21.01%
Excellent
9.73%
Poor
7.9
Poor
26.42%
Excellent
11.49%
Good
4.38%
Rec Ltd...
RECLTD532955
55.8/100
340
₹94348.22
5.5
Average
21.51%
Excellent
9.96%
Poor
6.2
Poor
26.14%
Excellent
13.49%
Good
5.03%
42.4/100
206
₹47705.45
17.0
Average
15.67%
Good
9.62%
Poor
7.0
Poor
9.66%
Good
6.45%
Good
1.74%
64.8/100
130
₹40039.93
23.2
Average
18.05%
Good
9.37%
Poor
5.4
Poor
51.26%
Excellent
23.31%
Excellent
0.00%
IFCI Ltd...
IFCI500106
50.6/100
68
₹13837.98
36.3
Average
2.60%
Poor
8.08%
Poor
0.4
Excellent
22.37%
Excellent
-8.19%
Poor
0.00%
17.2/100
73
₹3198.30
28.4
Average
8.51%
Poor
10.67%
Average
0.8
Good
3.91%
Average
-1.00%
Poor
0.87%
13/100
63
₹1676.01
0.00%
Poor
0.03%
Poor
0.0
Excellent
-32.15%
Poor
0.00%

Gujarat State Financial Corporation Quarterly Performance

Latest quarterly metrics for GUJSTATFIN — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

-85.29%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

-1.04%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

3.10%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

-1.38%

Compounded annual net profit growth over 5 years

Gujarat State Financial Corporation Technical Indicators

SMA 50, SMA 200, RSI and volume signals for GUJSTATFIN — calculated from daily price history

30RSI 14
Neutral — RSI 30

Momentum is balanced — neither overbought nor oversold.

SMA 50
11
▼ Price below SMA 50 — Short-term bearish
SMA 200
12
▼ Price below SMA 200 — Long-term downtrend
30-Day Avg Volume
14K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Gujarat State Financial Corporation Financial Statements

Annual income statement, balance sheet and cash flow for Gujarat State Financial Corporation (GUJSTATFIN) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Gujarat State Financial Corporation

About GUJSTATFIN (Gujarat State Financial Corporation)

Gujarat State Financial Corporation is a cornerstone of industrial growth and entrepreneurship within the vibrant state of Gujarat. Established with a vision to fuel economic progr...ess, GUJSTATFIN acts as a catalyst, providing crucial financial assistance to budding entrepreneurs and established businesses alike. Its mission extends beyond simply disbursing loans; it’s about nurturing innovation, fostering self-reliance, and building a robust industrial ecosystem across the state. GUJSTATFIN is committed to empowering the dreams of countless individuals and contributing to the overall prosperity of Gujarat. Through its strategically designed financial products and services, the corporation plays a pivotal role in driving industrial expansion, generating employment opportunities, and ensuring sustainable economic development in the region. GUJSTATFIN specializes in providing tailored financial solutions to small and medium enterprises (SMEs), recognizing their vital contribution to the state's economy. These offerings include term loans, working capital loans, and other specialized credit facilities meticulously crafted to meet the diverse needs of businesses across various sectors. Beyond merely lending, GUJSTATFIN also provides support through guidance and mentorship, helping entrepreneurs navigate the complexities of the business world and make informed decisions. The corporation prides itself on its deep understanding of the local market and its ability to identify and nurture promising ventures, thereby contributing to the diversification and resilience of the state's industrial landscape. Headquartered in the capital city of Gandhinagar, GUJSTATFIN has built a strong and reliable presence throughout Gujarat, reaching even the most remote corners of the state. With a network of strategically located branches and a dedicated team of professionals, the corporation ensures accessibility and responsiveness to the needs of its clientele. GUJSTATFIN embraces a forward-thinking approach, constantly adapting to the evolving economic environment and leveraging innovative technologies to enhance its services. By fostering strong relationships with its stakeholders and maintaining the highest standards of integrity and transparency, GUJSTATFIN has earned a reputation as a trusted partner in Gujarat's journey towards industrial excellence.

Company Details

Symbol:GUJSTATFIN
Industry:Financial Institution
Sector:Financial Institution

Key Leadership

Mr. Swaroop P I.A.S.
MD & Director
Mr. P. V. Raveendran Nair
Compliance Officer & Board Secretary
Mr. M. R. Malpani
Executive Officer of Accounts

GUJSTATFIN Share Price: Frequently Asked Questions

What is the current share price of Gujarat State Financial Corporation?

Gujarat State Financial Corporation (GUJSTATFIN) trades at ₹10.50 on NSE and BSE. Market cap ₹101.41 (Cr). Educational data only.

What is the P/E ratio of Gujarat State Financial Corporation?

Gujarat State Financial Corporation has a P/E of N/Ax vs industry average 22.38x.

What is the Bull Run score for Gujarat State Financial Corporation?

Gujarat State Financial Corporation has a Bull Run score of 14.2/100 based on 25+ financial parameters.

Does Gujarat State Financial Corporation pay dividends?

Gujarat State Financial Corporation has a dividend yield of 0.00%. Past dividends don't guarantee future payments.

What is the ROE of Gujarat State Financial Corporation?

Gujarat State Financial Corporation has ROE of N/A. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Gujarat State Financial Corporation?

Gujarat State Financial Corporation has debt-to-equity of N/A.

Is Gujarat State Financial Corporation a good investment?

Bull Run gives Gujarat State Financial Corporation a score of 14.2/100. This is not investment advice — consult a SEBI-registered advisor.