Overview

Detailed Summary

Golden Legand Leasing & Finance Limited (GLLFL) is a Mumbai-based NBFC primarily engaged in providing payment gateway services. Their revenue mainly derives from service charges on payment transactions.
GLLFL has transitioned from traditional leasing finance to becoming a technology-driven company, focusing on AI and cloud-based financial solutions for ecommerce and banking sectors.
In 2018, a new management team led major changes towards technology services, enhancing their strategic positioning through innovative tech adoption.
GLLFL offers AI and machine learning-enabled platforms that provide financial solutions, emphasizing global payment routing and e-commerce services.
Their strategic initiatives include developing cross-border and AI-based switching solutions to enhance their payment processing capabilities globally.

Sector: Finance
Industry: NBFC-Others
Market Cap: 16 Cr
Volatility: Low Risk
P/E Ratio: 8.8
Industry P/E: 28.3
PEG Ratio: —
P/B Ratio: 0.7
52W High: 16.38
52W Low: 7.20

Sales CAGR

1Y: 15466.67%
3Y: 103.74%
5Y: 38.98%
10Y: —

Profit CAGR

1Y: -48.65%
3Y: —
5Y: —
10Y: —

ROE

TTM: 40.67%
3Y: -9.46%
5Y: -4.39%
10Y: —

ROCE

TTM: 72.79%
3Y: -7.45%
5Y: -3.77%
10Y: —

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BHARAT	24.69	17 Cr	49.88	0.60	1.21	0.62	0.71	1.11
HBLEAS	12.80	16 Cr	-42.67	2.98	0.00	-5.41	-5.39	-5.82
GOLDLE	10.44	16 Cr	9.00	0.66	0.00	40.67	72.79	5.47
DFL	47.00	16 Cr	-276.47	1.29	0.00	1.73	2.55	1.97
RAPIDIN	76.00	16 Cr	38.38	1.43	0.00	5.05	6.00	2.92
BAZELINTER	21.06	16 Cr	8.93	0.26	0.00	2.04	3.80	1.33
STELLAR	6.45	16 Cr	129.00	0.32	0.00	-2.28	-1.92	-1.93

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.00	0.00	0.06	2.61	3.32	1.87	1.54	36	77	57
Expenses	0.31	0.23	0.40	1.80	2.43	1.73	2.92	27	59	55
Interest	0.01	0.00	0.00	0.02	0.02	0.11	0.31	1.20	5.43	4.61
Financing Profit	-0.32	-0.23	-0.34	0.79	0.87	0.03	-1.69	7.46	13	-2.65
Financing Margin %	—	—	-566.67	30.27	26.20	1.60	-109.74	20.75	16.34	-4.62
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.10	0.10	0.10	0.10	0.30	1.42	0.66	0.61	0.65	0.68
Profit Before Tax	-0.42	-0.32	-0.43	0.69	0.57	-1.38	-2.35	6.85	12	-3.33
Tax %	0.00	0.00	58.14	20.29	21.05	-16.67	38.30	28.32	29.52	-69.07
Net Profit	-0.42	-0.32	-0.18	0.56	0.46	-1.61	-1.45	4.91	8.37	-5.62
EPS in Rs	-0.28	-0.22	-0.12	0.37	0.31	-1.09	-1.02	0.33	5.63	-3.78
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.00	0.00	0.00	1.80	0.11	1.10	0.30	0.06	9.34	43
Expenses	0.03	0.03	0.16	1.83	0.08	0.31	0.43	1.36	9.02	34
Interest	0.00	0.00	0.03	0.01	0.00	0.00	0.00	0.04	0.46	1.64
Financing Profit	-0.03	-0.03	-0.18	-0.04	0.04	0.80	-0.12	-1.34	-0.14	6.67
Financing Margin %	—	—	—	-1.95	31.81	72.22	-40.39	-2,071.36	-1.47	15.63
Other Income	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	NaN
Depreciation	0.04	0.04	0.02	0.00	0.00	0.00	0.00	0.39	2.48	2.99
Profit Before Tax	-0.07	-0.07	-0.20	-0.04	0.04	0.80	-0.12	-1.73	-2.62	3.69
Tax %	—	—	—	—	—	776.40	—	686.12	624.56	37.40
Net Profit	-0.07	-0.07	-0.20	-0.04	0.04	0.70	-0.12	-1.48	-2.20	2.31
EPS in Rs	-0.05	-0.05	-0.34	—	—	0.48	-0.37	-0.99	-1.43	1.16
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	15	15	15	15	15	15	15	15	15	15
Reserves	0.14	-0.11	-0.18	-12	-0.41	-0.38	0.32	0.20	-1.28	-3.39
Borrowings	1.91	0.00	0.00	0.00	0.00	0.00	0.00	1.28	4.55	7.26
Other Liabilities	0.00	0.02	0.02	1.05	5.88	6.04	6.57	6.16	9.21	22
Total Liabilities	17	15	15	3.80	20	21	22	23	27	40
Fixed Assets	0.00	0.00	0.00	0.00	0.00	4.00	0.00	6.90	6.81	8.94
CWIP	0.00	0.00	0.00	0.43	3.47	0.00	4.40	0.00	4.51	2.48
Investments	0.00	12	12	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	17	2.58	2.58	3.36	17	17	17	16	16	29
Total Assets	17	15	15	3.80	20	21	22	23	27	40

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-7.61	-1.41	-0.01	0.11	-8.82	0.48	0.29	2.08	1.80	1.71
Cash from Investing Activity	-0.27	1.39	-0.00	-0.07	8.88	-0.54	-0.29	-2.06	-4.81	-2.60
Cash from Financing Activity	-1.99	0.00	0.00	-0.03	-0.01	-0.00	-0.00	-0.00	3.23	2.25
Net Cash Flow	-9.87	-0.01	-0.01	0.02	0.05	-0.05	-0.00	0.02	0.21	1.37

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Total Shareholders	416	411	411	410	410	410	410	423	858	1,090	1,584	2,011

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