GSPFINANCE Gsp Finance Company (bangladesh) Limited
Financial Institutions
Tk 3.5 as of 2026-11-12 14:03:20
Rank 360 of all scored
Data completeness 60%
Data completeness 60%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 38
Profitability 0
Solvency 17
Valuation 0
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 2 of the last 5 years
- Profitability Average ROE only -8.29% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 152.87 cr
- Valuation No P/E: the company is loss-making
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.04 cr)
- Low sponsor/director holding (12.02%): weak commitment
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
218.2% above the low, 47.8% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 12%
- Institution 34.2%
- Public 53.8%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2019 | 1.46 | 22.49 | 19 | 0 | 10.5 |
| 2020 | 1.55 | 21.9 | 22 | 0 | 10 |
| 2021 | 1.44 | 20.57 | 23 | 2.5 | 7.5 |
| 2022 | -1.08 | 27.78 | -17 | — | — |
| 2023 | -9.73 | 18.05 | -153 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 405.3%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.