Golden Legand Leasing and Finance (BSE: GOLDLEG) is loss-making over the last 12 months, so a P/E ratio does not apply. Its share price on 6 Nov 2026 was ₹6.73, 56% below its 52-week high. The company has almost no debt. It is a small-cap company with a market cap of ₹10 Cr, ranked 25th of 25 Software (Infrastructure) companies by market cap; the shares fell 48% over the past year.
- ₹6.85
- ₹6.91
- ₹6.28
- ₹6.70
- 2.2K
Health check
- ReturnsBehind
−47.6% over a year, better than 0 of 7 peers.
- Price tagLoss-making
Earnings were negative over the last 12 months.
- GrowthUnder pressure
Sales +744.4% a year over 3 years, but loss-making now.
- ProfitabilityStrong
ROCE 34.8% vs peer median 8.9%.
- Balance sheetSolid
Practically debt-free, Piotroski 9 of 9.
- Red flags4 to check
Loss-making over the last twelve months.
Small cap
Defensive
Key metrics
- Market cap
- ₹10 Cr
- Small cap
- P/E
- n/a
- Industry 25.1
- Price to book
- 0.23
- Peers 5.54
- Dividend yield
- 0.00%
- ROE
- 37.6%
- Peers 9.4%
- ROCE
- 34.8%
- Peers 8.9%
- Debt to equity
- 0.03
- Debt ₹1.43 Cr
- EPS (TTM)
- −₹1.53
- OPM (TTM)
- 7.4%
- Net margin 3.8%
- Sales growth
- −90.8%
- Latest quarter vs a year ago
- Profit growth
- −98.0%
- Latest quarter vs a year ago
- Price to sales
- 0.06
- EV/EBITDA −1.3
Strengths and risks
Strengths
- Return on equity of 37.6%.
- Return on capital employed of 34.8%.
- Practically debt-free.
- Positive operating cash flow in each of the last 4 years.
Risks to check
- Loss-making over the last twelve months.
- Quarterly profit down 98.0% on a year ago.
- Quarterly sales down 90.8% on a year ago.
- 56% below its 52-week high.
About Golden Legand Leasing and Finance
Golden Legand Leasing and Finance Limited engages in the business of payment gateway services in India. The company specializes in digital lending, AI-credit builder, and FinTech software development, as well as offers education loans. It also operates platforms under the India Online Pay, Ashapurti Loans, and Bade Bhaisab brand name. The company serves urban, semi-urban and rural individuals, children of government employees, salaried individuals, young…
- Headquarters
- Mumbai
- Employees
- 106
- Sector
- Technology
- ISIN
- INE088E01019
- Website
- gllfl.com
Price range
- Avg volume (3M)
- 12K
- 1-year return
- minus 47.6%
- From 52-week high
- minus 55.8%
Peers · Software - Infrastructure
| Company | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JPLJio Platforms | 1,406.40 | minus 0.80% | 12,95,158 | 40.8 | 3.57 | 8.9% | 9.4% | 32.8% | – | – | 0.00% | minus 0.8% |
| PAYTMOne 97 Communications | 1,794.40 | plus 0.72% | 1,14,873 | 136.1 | 6.94 | 3.7% | 5.3% | 8.0% | 1.2% | – | 0.00% | plus 40.5% |
| OFSSOracle Financial Services Software | 10,215.00 | plus 0.64% | 89,010 | 25.0 | 11.57 | 43.2% | 47.4% | 51.6% | 10.4% | 13.5% | 2.64% | plus 21.9% |
| PINELABSPine Labs | 162.45 | plus 0.51% | 18,759 | 116.9 | 3.15 | 3.5% | 3.3% | 17.1% | 21.0% | – | 0.00% | minus 35.3% |
| FRACTALFractal Analytics | 808.85 | minus 0.07% | 14,043 | 38.0 | 4.07 | 10.4% | 13.6% | 16.7% | 18.4% | 12.9% | 0.00% | minus 4.5% |
| E2EE2E Networks | 487.05 | minus 4.97% | 10,007 | 86.8 | 5.54 | −0.5% | 6.9% | 70.9% | 54.8% | – | 0.00% | plus 64.6% |
| MPIMANIPALManipal Payment and Identity Solutions | 312.80 | minus 0.81% | 7,251 | 23.8 | 8.78 | 43.4% | 46.2% | 24.9% | 13.7% | 29.1% | 0.00% | minus 9.4% |
| GOLDLEGGolden Legand Leasing and Finance | 6.73 | plus 0.45% | 10 | – | 0.23 | 34.8% | 37.6% | 7.4% | 744.4% | – | 0.00% | minus 47.6% |
| Median of 7 peers | – | −0.07% | 18,759 | 40.8 | 5.54 | 8.9% | 9.4% | 24.9% | 16.1% | 13.5% | 0.00% | −0.8% |
Quarterly results
| ₹ Cr | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|
| 76.7 | 57.4 | 13.6 | 9.2 | 7 | |
| 58.7 | 55.4 | 10 | 7.6 | 7.8 | |
| 18 | 2 | 3.6 | 1.6 | −0.7 | |
| 23.4% | 3.4% | 26.4% | 17.3% | −10.2% | |
| 0 | 0 | 0 | 0 | 0 | |
| 5.4 | 4.6 | 0 | 0 | 0 | |
| 0.6 | 0.7 | 0.9 | 0.8 | 0.7 | |
| 11.9 | −3.3 | 2.6 | 0.8 | −1.4 | |
| 29.6% | −69.0% | −0.2% | 29.7% | 111.8% | |
| 8.4 | −5.6 | 2.6 | 0.5 | 0.2 | |
| 5.63 | -3.78 | 1.77 | 0.37 | 0.11 |
Profit & loss
- Sales CAGR 3Y
- +744.4%
- ROE
- 37.6%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0.3 | 0.1 | 9.3 | 184 | |
| – | minus 78.8% | +14364.1% | +1864.8% | |
| 0.4 | 1.4 | 9.3 | 163 | |
| −0.1 | −1.3 | 0 | 20.8 | |
| −40.2% | −2006.7% | 0.1% | 11.3% | |
| 0 | −0 | 0 | 13 | |
| – | 0 | 0.1 | 0.1 | |
| – | 0.4 | 2.5 | 2.9 | |
| – | – | – | −13 | |
| −0.1 | −1.7 | −2.6 | 17.8 | |
| – | 14.6% | 16.0% | 42.2% | |
| −0.1 | −1.5 | −2.2 | 10.3 | |
| -0.08 | -0.99 | -1.48 | 6.93 |
Forecast
Balance sheet
| ₹ Cr | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| – | 14.9 | 14.9 | 14.9 | 14.9 | |
| – | 0.2 | −1.3 | −3.4 | 28.4 | |
| – | 1.3 | 4.5 | 7.3 | 1.4 | |
| – | 6.2 | 9.2 | 21.6 | 80.3 | |
| – | 22.5 | 27.3 | 40.4 | 125 | |
| – | 6.9 | 6.8 | 3.7 | 4.8 | |
| 4.4 | 6.9 | – | – | – | |
| 13.9 | 13.4 | – | 0.7 | 4.1 | |
| – | 0 | 0.2 | 1.6 | 25.8 | |
| – | −4.8 | 20.3 | 34.3 | 90.2 | |
| – | 22.5 | 27.3 | 40.4 | 125 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 2.1 | 1.8 | 1.7 | 21.8 | |
| −2.1 | −4.8 | −2.6 | 19.5 | |
| −0 | 3.2 | 2.3 | −17.1 | |
| 0 | 0.2 | 1.4 | 24.2 | |
| −2.5 | −4.8 | −2.6 | −2 | |
| −0.4 | −3 | −0.9 | 19.8 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
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