GDL Leasing & FinanceBOM:530855 73 Piotroski F-Score is 5 as of Jul. 06, 2026, which is at its 10-year median of 5.00. GuruFocus rates BOM:530855 with a GF Score™ of 73/100 and a GF Value™ of ₹55.64 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,501 Banks companies, GDL Leasing & Finance ranks worse than 57.56% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
GDL Leasing & Finance has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for GDL Leasing & Finance's Piotroski F-Score or its related term are showing as below:
BOM:530855'
s Piotroski F-Score Range Over the Past 10 Years
Min: 4 Med: 5 Max: 7
Current: 5
During the past 13 years, the highest Piotroski F-Score of GDL Leasing & Finance was 7. The lowest was 4. And the median was 5.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
GDL Leasing & Finance Piotroski F-Score Related Terms
GDL Leasing & Finance Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for GDL Leasing & Finance's Piotroski F-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:530855 vs RKT, FNMA, PFSI: Piotroski F-Score Comparison
For the Mortgage Finance subindustry, GDL Leasing & Finance's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
GDL Leasing & Finance Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, GDL Leasing & Finance's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where GDL Leasing & Finance's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
GDL Leasing & Finance's current Net Income (TTM) was 7.96.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
GDL Leasing & Finance's current Cash Flow from Operations (TTM) was -23.75.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
GDL Leasing & Finance's return on assets of this year was 0.11173051. GDL Leasing & Finance's return on assets of last year was 0.11247834.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
GDL Leasing & Finance's gearing of this year was 0.11868732. GDL Leasing & Finance's gearing of last year was 0.17099376.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
GDL Leasing & Finance's current ratio of this year was 111.72638889. GDL Leasing & Finance's current ratio of last year was 51.40534682.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
GDL Leasing & Finance's number of shares in issue this year was 5.004. GDL Leasing & Finance's number of shares in issue last year was 5.039.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
GDL Leasing & Finance's gross margin of this year was 0.51046119. GDL Leasing & Finance's gross margin of last year was 0.76434148.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
GDL Leasing & Finance's asset turnover of this year was 0.50268198. GDL Leasing & Finance's asset turnover of last year was 0.34606913.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
GDL Leasing & Finance has an F-score of 5 indicating the company's financial situation is typical for a stable company.
GDL Leasing & Finance (BOM:530855) has a Piotroski F-Score of 5 as of Jul. 06, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on GDL Leasing & Finance and its competitors. This is near median its historical median of 5.00. Over the past decade, GDL Leasing & Finance's Piotroski F-Score has ranged from 4.00 to 7.00. According to the industry distribution chart, GDL Leasing & Finance ranks #864 out of 1501 companies in the Banks industry, placing it in the top 57.6%.
Is GDL Leasing & Finance's Piotroski F-Score too high?
GDL Leasing & Finance's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 7.00. The Banks industry median Piotroski F-Score is 6.00. GDL Leasing & Finance's value of 5 is 16.7% below this industry median. Based on the distribution chart, GDL Leasing & Finance ranks #864 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, GDL Leasing & Finance has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GDL Leasing & Finance's Piotroski F-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, GDL Leasing & Finance ranks #864 out of 1501 companies for Piotroski F-Score. This places GDL Leasing & Finance in the lower half of its industry. The industry median Piotroski F-Score is 6.00. GDL Leasing & Finance's value of 5 is 16.7% below this benchmark. Historically, GDL Leasing & Finance's own Piotroski F-Score has ranged from 4.00 to 7.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, GDL Leasing & Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GDL Leasing & Finance's current Piotroski F-Score of 5 is 16.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on GDL Leasing & Finance and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GDL Leasing & Finance's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GDL Leasing & Finance stock overvalued right now?
Based on GuruFocus' analysis, GDL Leasing & Finance (BOM:530855) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹55.64, compared to a current price of ₹69.50 — trading 24.9% above its estimated fair value. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 16.7% below the Banks industry median of 6.00. GDL Leasing & Finance's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For GDL Leasing & Finance (BOM:530855), the current Piotroski F-Score is 5 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is GDL Leasing & Finance (BOM:530855) Overvalued in 2026?
Based on GuruFocus' analysis, GDL Leasing & Finance stock appears to be overvalued.
The current stock price of ₹69.50 is trading 24.9% above its estimated GF Value™ of ₹55.64.
GuruFocus considers GDL Leasing & Finance to be Modestly Overvalued.
Key valuation signals for BOM:530855:
Piotroski F-Score: 5 (near median its 10-year median of 5.00)
GF Value™: ₹55.64 vs. price of ₹69.50 (24.9% above fair value)
Industry Position: 16.7% below the Banks median (#864 of 1501)
No single metric tells the full story. See the BOM:530855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GDL Leasing & Finance Ltd is a non-banking finance company. It is engaged in financial activities such as Loans and Investments. The company also helps small and medium-sized enterprises (SMEs) to raise finances through a credit guarantee scheme. The main services and specialization include Loans, advances, & Investments.
73GF Score
Get the complete analysis for BOM:530855
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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