Gujarat State Financial corporation
BSE: GUJSTATFIN · Financial Institution
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Snapshot
Unlock Gujarat State Financial corporation's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Gujarat State Financial Corporation is a development financial institution established to provide term lending to small and medium-scale industrial and service sector units. It focuses on financing fixed assets, business expansion, modernization, and diversification projects within the state of Gujarat.
Business Model
The company operates as a state-mandated financial institution, generating revenue through interest income on term loans provided to industrial and service sector enterprises. It supports regional economic development by facilitating capital investment for small and medium-sized businesses.
- Units Financed:47,331
- Total Disbursements:Rs. 3,300 crore
Growth Outlook
Growth is driven by the continued demand for industrial financing among SMEs in Gujarat and the ongoing need for modernization and diversification of existing industrial units.
- Employment Generated:6,00,000+
Key Risks
- Credit Risk. The institution faces significant exposure to potential defaults from small and medium-scale enterprises, which are often more vulnerable to economic downturns.
- Concentration Risk. As a state-specific institution, the company's performance is heavily dependent on the economic health and industrial policy environment of Gujarat.
- Regulatory Risk. Changes in the State Financial Corporation Act or government lending mandates could impact the company's operational flexibility and profitability.
- Asset-Liability Mismatch. The institution may face liquidity challenges if the maturity profile of its long-term loans does not align with its funding sources.
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Key Metrics
REVENUE
₹0.52 Cr
TTM · standalone
NET PROFIT
₹-124 Cr
TTM · standalone
P/E
-0.7x
Q4 FY24 · standalone
NET PROFIT MARGIN
34466.7%
Q1 FY26 · standalone
Peers · Financial Institution
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Gujarat State Financial corporationGUJSTATFIN | ₹87 Cr | — | — | -87.3% | — | — | — | -33.3% |
Housing & Urban Development Corporation Ltd.HUDCO | ₹35,618 Cr | 7.60 | — | 25.9% | — | 21.3% | — | -30.5% |
Indian Renewable Energy Development Agency Ltd.IREDA | ₹31,182 Cr | 15.79 | — | — | — | 16.3% | — | -27.3% |
IFCI Ltd.IFCI | ₹21,417 Cr | 101.78 | — | 4.8% | — | 4.9% | — | +17.7% |
Tourism Finance Corporation of India LimitedTFCILTD | ₹6,553 Cr | 41.68 | — | 14.8% | — | 12.2% | — | +88.5% |
Haryana Financial Corporation ltd.HARAFIN | ₹1,053 Cr | — | — | — | — | — | — | — |
As of Q3 FY25
Financials
Gujarat State Financial corporation
BSE: GUJSTATFIN · Financial Institution
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Gujarat State Financial corporation's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Gujarat State Financial Corporation is a development financial institution established to provide term lending to small and medium-scale industrial and service sector units. It focuses on financing fixed assets, business expansion, modernization, and diversification projects within the state of Gujarat.
Business Model
The company operates as a state-mandated financial institution, generating revenue through interest income on term loans provided to industrial and service sector enterprises. It supports regional economic development by facilitating capital investment for small and medium-sized businesses.
- Units Financed:47,331
- Total Disbursements:Rs. 3,300 crore
Growth Outlook
Growth is driven by the continued demand for industrial financing among SMEs in Gujarat and the ongoing need for modernization and diversification of existing industrial units.
- Employment Generated:6,00,000+
Key Risks
- Credit Risk. The institution faces significant exposure to potential defaults from small and medium-scale enterprises, which are often more vulnerable to economic downturns.
- Concentration Risk. As a state-specific institution, the company's performance is heavily dependent on the economic health and industrial policy environment of Gujarat.
- Regulatory Risk. Changes in the State Financial Corporation Act or government lending mandates could impact the company's operational flexibility and profitability.
- Asset-Liability Mismatch. The institution may face liquidity challenges if the maturity profile of its long-term loans does not align with its funding sources.
Start your research today
Unlock AI insights, financials, peers and live data on Gujarat State Financial corporation and 5,000+ companies — free.
Key Metrics
REVENUE
₹0.52 Cr
TTM · standalone
NET PROFIT
₹-124 Cr
TTM · standalone
P/E
-0.7x
Q4 FY24 · standalone
NET PROFIT MARGIN
34466.7%
Q1 FY26 · standalone
Peers · Financial Institution
As of Q3 FY25