Flash Finance

Gujarat State Financial Corporation532160Bank / NBFC

Financial Institution Latest results: Mar 2026 13 quarters of data
₹9.54
MCap ₹90 Cr
Gujarat State Financial Corporation — Stock analysis & AI research Gujarat State Financial Corporation — Live exchange announcements
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹4 Cr
Interest Earned · Mar 2026
—
Operating Profit · Mar 2026
₹-32 Cr
Net Profit · Mar 2026
-3.2% YoY
₹-3.63
EPS · Mar 2026
-4.3% YoY
—
Gross NPA % · Mar 2026
—
Net NPA % · Mar 2026

📝 Gujarat State Financial Corporation — results explained

Quarter ended March 2026 (Q4 FY26)

Gujarat State Financial Corporation reported total income of ₹3 crore for the quarter ended March 2026 (Q4 FY26), down 25.0% from ₹4 crore in the same quarter last year, and down 25.0% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹4 crore and other income ₹-1 crore. Net interest income (interest earned minus interest expended of ₹35 crore) worked out to ₹-31 crore.

The company reported a net loss of ₹32 crore, against a net loss of ₹31 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-3.63.

Full year and trailing twelve months

For the full year FY26, Gujarat State Financial Corporation posted total income of ₹15 crore, a decline of 11.8% over FY25, with a net loss of ₹127 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹15 crore with a net loss of ₹127 crore.

Valuation snapshot

At the current price of ₹9.54, 532160 has a market capitalisation of ₹90 crore.

Within the Financial Institution industry, it is the 2nd-largest of the 2 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 83.95%, domestic institutional investors (DIIs) 1.13%, the government 2.10%, public shareholders 12.82% of Gujarat State Financial Corporation.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹90 Cr
Current Price ?
₹9.5
P/E ?
N/A
Industry P/E ?
N/A
P/B ?
-0.03
P/S ?
5.98
P/FCF ?
-5.28
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
-141.6%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹15 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹-127 Cr
EPS (TTM) ?
₹-13.51
ROCE ?
N/A
ROE ?
4.0%
ROA ?
-54.3%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹3 Cr
PAT — latest qtr ?
₹-32 Cr
YoY qtr sales growth ?
-25.0%
YoY qtr profit growth ?
-3.2%
Sales growth (3y) ?
17%
Sales growth (5y) ?
8%
Profit growth (3y) ?
-1%
Profit growth (5y) ?
-1%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
83.95%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-12.0%
Return 6 months ?
-5.2%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 0310110-100004 — —
Other Income 435354454444-1 -125.0% -125.0%
Total Income 4663654444443 -25.0% -25.0%
Interest Expended 34343535343535353535363635 +0.0% -2.8%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax -31-28-31-30-30-31-31-32-31-31-32-32-32 -3.2% +0.0%
Net Profit -31-28-31-30-30-31-31-32-31-31-32-32-32 -3.2% +0.0%
EPS -3.44-3.18-3.47-3.41-3.32-3.50-3.53-3.55-3.48-3.48-3.59-3.58-3.63 -4.3% -1.4%
Gross NPA % 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% — — —
Net NPA % 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹0 Cr ₹4 Cr ₹4 Cr —
Other Income ₹17 Cr ₹11 Cr ₹11 Cr -35.3%
Total Income ₹17 Cr ₹15 Cr ₹15 Cr -11.8%
Interest Expended ₹140 Cr ₹142 Cr ₹142 Cr +1.4%
Net Interest Income ₹-140 Cr ₹-138 Cr ₹-138 Cr +1.4%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹-125 Cr ₹-127 Cr ₹-127 Cr -1.6%
Tax — — — —
Net Profit ₹-125 Cr ₹-127 Cr ₹-127 Cr -1.6%
EPS ₹-14.06 ₹-14.28 ₹-14.28 -1.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 94949494 +0.0%
Reserves -2,907-3,029-3,154-3,282 -4.1%
Borrowing 662662662662 +0.0%
Other Liabilities 2,3422,4792,6192,760 +5.4%
Total Liabilities 190206220234 +6.4%
Fixed Assets 2222 +0.0%
CWIP 0000 —
Investments 179194206221 +7.3%
Other Assets 9101211 -8.3%
Total Assets 190206220234 +6.4%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -8-12-14-17 -21.4%
Cash from Investing Activity 9111416 +14.3%
Cash from Financing Activity 0000 —
Net Cash Flow 1-11-1 -200.0%
Free Cash Flow -8-12-14-17 -21.4%
CFO/OP -125%-79%-111%-122% -9.9%

👥 Shareholding (latest 4 periods)

Metric Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 83.95%83.95%83.95%83.95% +0.0%
DIIs 1.38%1.13%1.13%1.13% +0.0%
Government 4.20%2.10%2.10%2.10% +0.0%
Public 10.48%12.82%12.83%12.82% -0.1%
No. of Shareholders 23,04423,10823,19622,642 -2.4%

⚖️ Peer comparison

Industry: Financial Institution · 2 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 530927 Haryana Financial ₹24.65 1,246 68.4 12 8 -3.0% 61.6% 113.9% 76700.0% -13.1% -42.9%
2 532160 Gujarat State ₹23.41 90 — 15 -127 0.0% -846.7% -11.8% -1.6% -25.0% -3.2%
❓ Frequently asked questions
What was Gujarat State Financial Corporation's total income in Q4 FY26?
Gujarat State Financial Corporation reported total income of ₹3 crore for the quarter ended March 2026 (Q4 FY26), down 25.0% from ₹4 crore in the same quarter last year, and down 25.0% sequentially over the December 2025 quarter.
What was Gujarat State Financial Corporation's net profit in Q4 FY26?
The company reported a net loss of ₹32 crore, against a net loss of ₹31 crore in the same quarter last year. Earnings per share (EPS) came in at ₹-3.63.
What is 532160's market capitalisation and P/E ratio?
At the current price of ₹9.54, 532160 has a market capitalisation of ₹90 crore.
Who owns Gujarat State Financial Corporation? (shareholding pattern)
As of Jun 2026, promoters held 83.95%, domestic institutional investors (DIIs) 1.13%, the government 2.10%, public shareholders 12.82% of Gujarat State Financial Corporation.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI