Geojit Financial Services Ltd
GEOJITFSLGeojit Financial Services Ltd is cheap for a reason. The P/BV sits at the 27th percentile of its own range, and the quarters are still getting worse.
The sharpest disagreement: the price moved +7.3% in a year while annual EPS moved −52.0% — the difference is re-rating, and re-rating has to be repaid with earnings.
The price is in a confirmed uptrend (4 weeks in) while the P/BV sits at the 27th percentile of its own 10-year range. Underneath, the last four quarters read deteriorating — profit −31.0% year on year, with the the net margin at 12.5%. What settles it: whether earnings grow into a price that has already moved.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Geojit Financial Services Ltd trades at ₹81.1, in a confirmed uptrend and 4 weeks into that stage. That is +10.7% against its own 200-day average. It sits at 100% of a 52-week range of ₹56 to ₹81. On relative strength it has been ahead of the NIFTY 500 on a trailing-13-week view for 17 straight weeks.
Today the stock is in a confirmed uptrend — week 4 of stage 2, confirmed. At ₹81.1 it trades +10.7% versus its 200-day average and sits at 100% of its 52-week range (₹56–₹81).
Against the market, two honest reads. Cumulative: over the last 10.3 years the stock moved +186% while the NIFTY 500 moved +274% — behind the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 17 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
→ The trend is one thing; the bill is another. Are you paying up for it? Next: the P/BV sits at the 27th percentile of its own range.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Geojit Financial Services Ltd trades at 1.8× P/BV, near the bottom of its own range — cheaper only 27% of the time. Its long-run median P/BV is 2.0×, measured across 10.4 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 1.8× is near the bottom of its own range — cheaper only 27% of the time, against a long-run median of 2.0× measured over 10.4 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
The honest context for that discount: a bank earning about 7% on its equity is worth less per rupee of book, and the market has priced that in rather than overlooked it. The discount closes only if the returns themselves improve.
🚨 Why the multiple sits where it does: over the past year book value grew while the price moved +7.3% — price and book moved together, holding the multiple in its range.
The price move, decomposed: over 5y, of the −1.4%/yr price move, ~+14.9%/yr came from book-value growth and ~−16.3 pp from the multiple (compressing); over 10y, of the +8.7%/yr price move, ~+8.7%/yr came from book-value growth and ~+0.0 pp from the multiple (roughly flat). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.
A quarterly PEG curve, which only the second data source carries, is not drawn on this page: its two data sources disagree by up to 5.5% on reported income across 14 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
→ Cheap or dear rides on the earnings. Are they actually growing? Next: the fundamental stage — where the business sits in its arc, and how growth has compounded.
Stage: Deteriorating Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Geojit Financial Services Ltd reads as deteriorating on its fundamental arc. Deteriorating — revenue, profit and EPS growth are shrinking (revenue growth −5.5% latest against +58.5% at its 12-quarter best). The read is built from 8 quarters across 3 curves, on partial evidence.
🚨 Why it matters: falling curves mean every cheap-looking ratio below needs a discount for direction.
A partial read: at least one curve is short, or the returns curve is not the computed quarterly series — hold the stage word a little more loosely.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | −9.9% | +14.7% | +9.6% | +9.6% |
| Profit | −51.2% | −6.0% | −7.9% | +6.7% |
| EPS | −52.0% | −6.1% | −8.3% | +7.7% |
| Share price | +7.3% | +24.6% | −1.4% | +8.7% |
→ The stage names the trajectory. Next: the revenue line that produces it, quarter by quarter.
4-Factor Sector Score
35.0/100 — rank 12 of 16 in Finance - Capital Markets - Brokers · 61% evidence confidence
Geojit Financial Services Ltd scores 35.0 out of 100 against the 16 companies it is compared with in Finance - Capital Markets - Brokers, ranking 12. Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
The four contributions add to the total exactly: 9 + 10.8 + 7.4 + 7.8 = 35. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.
Geojit Financial Services Ltd reported ₹160 Cr of income in the Jun 26 quarter, +11.1% year on year. That is the 2nd straight quarter of year-on-year growth. Over 10 years it has compounded at 9.6% a year. The last full year, FY26, came in at ₹675 Cr. The last four reported quarters add to ₹672 Cr.
Geojit Financial Services Ltd reported ₹160 Cr of income in the Jun 26 quarter, +11.1% year on year. That is the 2nd straight quarter of year-on-year growth. Over 10 years it has compounded at 9.6% a year. The last full year, FY26, came in at ₹675 Cr. The last four reported quarters add to ₹672 Cr.
FY26 revenue came in at ₹675 Cr (−9.9% on the year), capping 10 years at 9.6% compound. The latest quarter (Jun 26) printed ₹160 Cr, +11.1% year on year — the 2nd consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged −3.8% growth against the decade's 9.6% — the current year is running slower than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew −5.5% over the last 4 quarters against −1.0%/yr over the last 8 — rolling over; TTM profit −52.3% vs −34.6%/yr — rolling over.
→ Revenue grew — did the net margin hold as it scaled? Next: 12.5% this quarter (−7.6 pp YoY).
Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.
Geojit Financial Services Ltd's net margin is 12.5% in the Jun 26 quarter, −7.6 percentage points against the same quarter a year ago. Across 13 fiscal years the net margin has ranged −33.9% to 30.8%. The current quarter sits inside that band.
Geojit Financial Services Ltd's net margin is 12.5% in the Jun 26 quarter, −7.6 percentage points against the same quarter a year ago. Across 13 fiscal years the net margin has ranged −33.9% to 30.8%. The current quarter sits inside that band.
The latest quarter's net margin is 12.5%, −7.6 pp against the same quarter a year ago. Across 13 fiscal years the net margin has ranged −33.9%–30.8%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
→ The net margin slipped — did that reach the bottom line? Next: profit −31.0% in the latest quarter.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Geojit Financial Services Ltd earned ₹20.0 Cr of net profit in the Jun 26 quarter, −31.0% year on year. Full-year FY26 profit was ₹84.0 Cr. The 10-year compound rate is 6.7%. That is 12.5% of the quarter's revenue. The same quarter a year earlier earned ₹29.0 Cr.
Geojit Financial Services Ltd earned ₹20.0 Cr of net profit in the Jun 26 quarter, −31.0% year on year. Full-year FY26 profit was ₹84.0 Cr. The 10-year compound rate is 6.7%. That is 12.5% of the quarter's revenue. The same quarter a year earlier earned ₹29.0 Cr.
Jun 26 profit was ₹20.0 Cr, −31.0% year on year. On the full year, FY26 printed ₹84.0 Cr (−51.2%), and the 10-year compound rate is 6.7%.
🚨 Why profit moved: revenue contributed +11.1% and the margin −7.6 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit −49.9% vs revenue −3.8%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.
→ Profit is up — how clean is the loan book behind it? Next: we hold no quarterly loan-book numbers — the section says so plainly.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Geojit Financial Services Ltd, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
→ Behind the profits — is the book itself still growing? Next: revenue grew −9.9% in FY26.
The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Geojit Financial Services Ltd's revenue grew −9.9% in FY26 to ₹675 Cr, so the book is flat. The latest quarter ran +11.1% year on year. The net margin on that income is 12.5%, −7.6 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY26 revenue was ₹675 Cr, −9.9% on the year, and the latest quarter ran +11.1% year on year. The net margin on that revenue is 12.5% this quarter (−7.6 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.
→ Does all of this actually earn its keep on equity? Next: ROE is 7%.
Returns on equity and assets Two numbers usually rate a lender: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys.
A clean annual return-on-equity ladder is not held for Geojit Financial Services Ltd. For an insurer especially the standard bank ratios are not the right lens, so this page does not force them onto the filings rather than estimating a series it cannot support. The revenue, margin and ownership sections above and below are the reads this page stands behind.
We do not hold a clean annual return-on-equity series for Geojit Financial Services Ltd — for an insurer especially, the standard bank ratios are not the right lens, so this page does not force them. The revenue, margin and ownership sections above and below are the reads we stand behind.
The quarterly return-on-equity and return-on-assets curves, which only the second data source carries, are not drawn on this page: its two data sources disagree by up to 5.5% on reported income across 14 comparable periods. A figure two sources cannot agree on is not drawn — the gap is a decision, not missing data.
→ Who owns Geojit Financial Services Ltd, and are they adding or leaving? Next: Promoters cut 16.1 points over 8 quarters.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
→ Who owns this, and are they adding or leaving? Next: Promoters cut 16.1 points over 8 quarters.
Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.
Promoters cut 16.1 points of Geojit Financial Services Ltd over 8 quarters, the biggest move on the register. That takes promoters to 38.5% of the company. Domestic institutions moved +10.0 points over the same window, to 10.0%. The register is read on the four disclosed classes only; nothing is inferred between filings.
The register over the last two years — Promoters: −16.1 points over 8 quarters to 38.5%; Domestic institutions: +10.0 points over 8 quarters to 10.0%; Foreign institutions: −1.8 points over 8 quarters to 1.6%.
Why the register moved: rotation — foreign institutions −1.8 points against domestic institutions +10.0 points over 8 quarters, with promoters −16.1 points — one class of institutions handing the register to the other, not a verdict change by the people closest to the numbers.
→ One last check: does the safety math agree? Next: the balance-sheet safety line.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Geojit Financial Services Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | P/BV | Mkt cap | Revenue | EPS | ROE | Stage |
|---|---|---|---|---|---|---|
| Geojit Financial Services Ltd this page | 1.8× | ₹2,126 Cr | — | Deteriorating | ||
| Billionbrains Garage Ventures Ltd | 13.1× | ₹1.3L Cr | — | No read | ||
| Angel One Ltd | 4.6× | ₹28,132 Cr | — | Turning around | ||
| Choice International Ltd | 10.6× | ₹17,759 Cr | — | Mixed | ||
| IIFL Capital Services Ltd | 3.5× | ₹10,710 Cr | — | Deteriorating | ||
| Paisalo Digital Ltd | 3.6× | ₹6,382 Cr | Consistent | |||
| Share India Securities Ltd | 1.6× | ₹4,192 Cr | — | Turning around | ||
| Anand Rathi Share & Stock Brokers Ltd | 2.4× | ₹3,205 Cr | — | No read | ||
| Indo Thai Securities Ltd | 4.2× | ₹2,873 Cr | — | Turning around | ||
| Monarch Networth Capital Ltd | 2.9× | ₹2,837 Cr | — | Mixed | ||
| 5paisa Capital Ltd | 2.7× | ₹1,749 Cr | — | Deteriorating | ||
| Summit Securities Ltd | 0.2× | ₹1,617 Cr | — | No read | ||
| SMC Global Securities Ltd | 1.2× | ₹1,580 Cr | — | Turning around | ||
| Meghna Infracon Infrastructure Ltd | 57.5× | ₹1,573 Cr | — | No read | ||
| Meghna Infracon Infrastructure Ltd | 46.9× | ₹1,150 Cr | — | No read | ||
| Arihant Capital Markets Ltd | 2.0× | ₹895 Cr | — | Turning around | ||
| Emkay Global Financial Services Ltd | 1.7× | ₹656 Cr | — | Turning around |
Frequently asked questions
What is Geojit Financial Services Ltd's share price today?
Geojit Financial Services Ltd trades at ₹81.1, +7.3% over the past year. The company is valued at ₹2,126 Cr. The stock sits at 100% of its 52-week range of ₹56–₹81, +10.7% versus its 200-day average. On the tape, the price is in a confirmed uptrend, 4 weeks in. — as of 24 July 2026.
What were Geojit Financial Services Ltd's latest quarterly results?
Geojit Financial Services Ltd reported total income of ₹160 Cr and net profit of ₹20.0 Cr for the Jun 26 quarter. Income rose 11.1% and profit fell 31.0% year on year. Earnings per share were ₹0.71. The net margin was 12.5%, 7.6 pp lower than a year earlier. — as of 24 July 2026.
What is Geojit Financial Services Ltd's revenue?
Geojit Financial Services Ltd reported revenue of ₹160 Cr in the Jun 26 quarter, +11.1% year on year. For the full FY26 fiscal year, revenue was ₹675 Cr (−9.9%). Over the last 10 years revenue compounded at 9.6% a year. — as of 24 July 2026.
What is Geojit Financial Services Ltd's profit?
Geojit Financial Services Ltd earned ₹20.0 Cr of net profit in the Jun 26 quarter, −31.0% year on year. Full-year FY26 profit was ₹84.0 Cr. The net margin ran 12.5% in the latest quarter. — as of 24 July 2026.
What is Geojit Financial Services Ltd's market cap?
Geojit Financial Services Ltd's market capitalisation is ₹2,126 Cr at a share price of ₹81.1. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 24 July 2026.
What is Geojit Financial Services Ltd's P/BV ratio?
Geojit Financial Services Ltd trades at a P/BV of 1.8×, at the 27th percentile of its own 10-year range, against a long-run median of 2.0×. This is a comparison with the stock's own history, not a value call — as of 24 July 2026.
Does Geojit Financial Services Ltd pay a dividend?
Yes — Geojit Financial Services Ltd's dividend payout was 52% of profit in FY26, and it recorded a payout in 12 of its last 13 reported fiscal years. One of those years shows a negative ratio because profit itself was negative. — as of 24 July 2026.
Is Geojit Financial Services Ltd overvalued?
On its own history, Geojit Financial Services Ltd looks cheap against its own history: its P/BV of 1.8× has been cheaper only 27% of the time in 10 years (long-run median 2.0×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 24 July 2026.
Is Geojit Financial Services Ltd growing?
Not right now — Geojit Financial Services Ltd's latest numbers are shrinking: latest-quarter revenue +11.1% year on year, profit −31.0%, and the the net margin −7.6 pp at 12.5%. The 10-year compound rates are 9.6% (revenue) and 6.7% (profit). The earnings engine currently reads: deteriorating — as of 24 July 2026.
How is Geojit Financial Services Ltd performing?
Geojit Financial Services Ltd is in a confirmed uptrend, 4 weeks in. Its latest quarter's income rose 11.1% and profit fell 31.0% year on year. Against the NIFTY 500 it has been ahead on a trailing-13-week view for 17 weeks. This describes what the data did, not a rating. — as of 24 July 2026.
What stage is Geojit Financial Services Ltd in?
Deteriorating — revenue, profit and EPS growth are shrinking (revenue growth −5.5% latest against +58.5% at its 12-quarter best). The read comes from the last 12 quarters of growth (revenue growth −5.5% latest, profit growth −52.3% latest, eps growth −51.9% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 24 July 2026.
Is Geojit Financial Services Ltd in an uptrend?
Yes — the price is in a confirmed uptrend (week 4 of stage 2), trading +10.7% versus its 200-day average and at 100% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 24 July 2026.
Is Geojit Financial Services Ltd beating the market?
On recent form, yes — Geojit Financial Services Ltd has been ahead of the NIFTY 500 on a trailing-13-week view for 17 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.3 years the stock moved +186% against the NIFTY 500's +274% — behind the index over the full window. — as of 24 July 2026.
Will Geojit Financial Services Ltd's share price go up?
This page publishes no price forecast for Geojit Financial Services Ltd. What it measures instead: the share price is ₹81.1, the price is in a confirmed uptrend 4 weeks in. Its P/BV of 1.8× sits at the 27th percentile of its own 10-year range. — as of 24 July 2026.
Who owns Geojit Financial Services Ltd?
Promoters hold 38.5% of Geojit Financial Services Ltd, foreign institutions 1.6%, domestic institutions 10.0% and the public 49.9% (latest quarter). The biggest move on the register over the last two years: Promoters cut 16.1 points over 8 quarters. — as of 24 July 2026.
Is Geojit Financial Services Ltd's loan book healthy?
We do not hold quarterly loan-book quality numbers for Geojit Financial Services Ltd, so this page says that plainly. The cleanest available reads are revenue growth (−9.9% in FY26) and the net margin on it (12.5%) — as of 24 July 2026.
Where is Geojit Financial Services Ltd in its business cycle?
Geojit Financial Services Ltd's FY26 net margin was 12.4%, against a 13-year band of −33.9%–30.8%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 12.5%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 24 July 2026.
What could break the Geojit Financial Services Ltd story?
The sharpest disagreement: the price moved +7.3% in a year while annual EPS moved −52.0% — the difference is re-rating, and re-rating has to be repaid with earnings. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 24 July 2026.
Is Geojit Financial Services Ltd a stock worth studying right now?
This is not investment advice. The machine read: Geojit Financial Services Ltd is cheap for a reason. The P/BV sits at the 27th percentile of its own range, and the quarters are still getting worse. The sharpest open question: whether earnings grow into a price that has already moved. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 24 July 2026.