DSE : GSPFINANCE
GSP Finance Company (Bangladesh) PLC — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 3.4 BDT (At close: Oct 29, 2026) · Market cap 534.03M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 147.35M | 116.77M | 263.41M | 904.73M | 978.88M | 884.94M |
| Total Interest Expense | 829.07M | 486.92M | 391.95M | 352.00M | 395.69M | 496.28M |
| Net Interest Income | -681.71M | -370.15M | -128.54M | 552.73M | 583.19M | 388.66M |
| Commissions and Fees | 197.65K | 700.01K | 174.07K | 5.02M | 7.01M | 5.07M |
| Other Revenue | 6.90M | 5.61M | 3.23M | 10.80M | 10.06M | 15.55M |
| Revenue Before Loan Losses | -674.62M | -363.84M | -125.14M | 568.55M | 600.26M | 409.28M |
| Provision for Loan Losses | 1.16B | 1.43B | 1.38B | 697.55M | 205.97M | 5.26M |
| Revenue | -1.83B | -1.80B | -1.50B | -129.00M | 394.29M | 404.02M |
| Salaries & Employee Benefits | 37.50M | 37.51M | 48.63M | 38.81M | 31.65M | 43.66M |
| Cost of Services Provided | 8.28M | 6.71M | 7.73M | 10.72M | 9.85M | 8.80M |
| Other Operating Expenses | -4.17M | -263.19K | 5.80M | 598.45K | -18.49M | -10.59M |
| Total Operating Expenses | 46.79M | 51.16M | 69.37M | 55.73M | 27.42M | 46.91M |
| Operating Income | -1.88B | -1.85B | -1.57B | -184.73M | 366.87M | 357.11M |
| EBT Excluding Unusual Items | -1.88B | -1.85B | -1.57B | -184.26M | 366.87M | 357.11M |
| Other Unusual Items | -550.00K | |||||
| Pretax Income | -1.88B | -1.85B | -1.53B | -163.25M | 366.87M | 356.56M |
| Income Tax Expense | 10.17M | 5.44M | 3.49M | 7.04M | 140.13M | 135.93M |
| Earnings From Continuing Ops. | -1.89B | -1.85B | -1.53B | -170.29M | 226.74M | 220.63M |
| Minority Interest in Earnings | 52.00 | 47.00 | 34.00 | 4.00 | -5.00 | -3.00 |
| Net Income | -1.89B | -1.85B | -1.53B | -170.29M | 226.74M | 220.63M |
| Net Income to Common | -1.89B | -1.85B | -1.53B | -170.29M | 226.74M | 220.63M |
| Shares Outstanding (Basic) | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M |
| Shares Outstanding (Diluted) | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M |
| EPS (Basic) | -12.01 | -11.79 | -9.73 | -1.08 | 1.44 | 1.40 |
| EPS (Diluted) | -12.01 | -11.79 | -9.73 | -1.08 | 1.44 | 1.40 |
| Free Cash Flow | -204.93M | -166.28M | -266.10M | -181.45M | 121.10M | 19.16M |
| Free Cash Flow Per Share | -1.30 | -1.06 | -1.69 | -1.16 | 0.77 | 0.12 |
| Dividend Per Share | 0.52 | |||||
| Operating Margin | 93.05% | 88.39% | ||||
| Profit Margin | 57.50% | 54.61% | ||||
| Free Cash Flow Margin | 30.71% | 4.74% | ||||
| Effective Tax Rate | 38.20% | 38.12% | ||||
| Revenue as Reported | 595.84M |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 252.45M | 277.59M | 225.92M | 229.23M | 402.32M | 391.42M |
| Long-Term Investments | 483.96M | 503.97M | 458.66M | 476.07M | 498.32M | 547.07M |
| Loans & Lease Receivables | 9.76B | 9.52B | 9.28B | 8.74B | 7.82B | 7.72B |
| Property, Plant & Equipment | 2.13B | 2.13B | 2.19B | 2.15B | 973.89M | 967.72M |
| Other Intangible Assets | 56.77K | 70.97K | 88.71K | 110.89K | 138.61K | |
| Other Long-Term Assets | 253.22M | 215.88M | 145.88M | 200.80M | 191.01M | 93.34M |
| Total Assets | 12.88B | 12.65B | 12.30B | 11.79B | 9.88B | 9.72B |
| Interest Bearing Deposits | 2.59B | 2.35B | 2.23B | 2.00B | 1.93B | 2.27B |
| Total Deposits | 2.59B | 2.35B | 2.23B | 2.00B | 1.93B | 2.27B |
| Accrued Expenses | 123.45M | 115.56M | 35.02M | 26.04M | 16.96M | 7.20M |
| Short-Term Debt | 60.50M | 60.50M | 60.50M | 93.60M | 78.00M | 185.50M |
| Current Portion of Long-Term Debt | 666.92M | 621.66M | 586.58M | 592.72M | 619.30M | |
| Long-Term Debt | 2.36B | 1.38B | 1.16B | 964.93M | 1.01B | 1.03B |
| Long-Term Unearned Revenue | 10.00M | 11.24M | 11.24M | 11.24M | 11.24M | 13.09M |
| Current Income Taxes Payable | 1.28B | 1.27B | 1.27B | 1.26B | 1.27B | 1.15B |
| Other Current Liabilities | 89.65M | 57.65M | 42.37M | 20.74M | 7.29M | 4.58M |
| Long-Term Deferred Tax Liabilities | 278.58M | 278.43M | 17.16M | 17.22M | ||
| Pension & Post-Retirement Benefits | 4.74M | 4.35M | 5.26M | 8.80M | 6.40M | 4.00M |
| Other Long-Term Liabilities | 6.18B | 5.74B | 4.01B | 2.44B | 1.61B | 1.31B |
| Total Liabilities | 12.98B | 11.93B | 9.47B | 7.43B | 6.53B | 6.60B |
| Common Stock | 1.57B | 1.57B | 1.57B | 1.57B | 1.57B | 1.43B |
| Retained Earnings | -3.50B | -2.68B | -832.21M | 696.52M | 866.81M | 782.86M |
| Comprehensive Income & Other | 1.84B | 1.84B | 2.10B | 2.10B | 916.69M | 916.69M |
| Total Common Equity | -97.12M | 722.67M | 2.83B | 4.36B | 3.35B | 3.13B |
| Minority Interest | -158.00 | -27.00 | 19.00 | 53.00 | 57.00 | 52.00 |
| Shareholders' Equity | -97.12M | 722.67M | 2.83B | 4.36B | 3.35B | 3.13B |
| Total Liabilities & Equity | 12.88B | 12.65B | 12.30B | 11.79B | 9.88B | 9.72B |
| Total Debt | 2.42B | 2.11B | 1.85B | 1.65B | 1.68B | 1.84B |
| Net Cash (Debt) | -2.17B | -1.83B | -1.62B | -1.42B | -1.28B | -1.45B |
| Net Cash Per Share | -13.80 | -11.64 | -10.32 | -9.01 | -8.14 | -9.22 |
| Filing Date Shares Outstanding | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M | 150.64M |
| Total Common Shares Outstanding | 157.07M | 157.07M | 157.07M | 157.07M | 157.07M | 150.64M |
| Working Capital | 5.87B | 5.28B | 5.25B | 4.98B | 4.32B | 3.88B |
| Book Value Per Share | -0.62 | 4.60 | 18.05 | 27.78 | 21.35 | 20.76 |
| Tangible Book Value | -97.12M | 722.62M | 2.83B | 4.36B | 3.35B | 3.13B |
| Tangible Book Value Per Share | -0.62 | 4.60 | 18.05 | 27.78 | 21.35 | 20.76 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -1.89B | -1.85B | -1.53B | -170.29M | 226.74M | 220.63M |
| Depreciation & Amortization | 4.58M | 6.45M | 6.35M | 5.25M | 3.95M | 5.02M |
| Other Amortization | 14.19K | 14.19K | 17.74K | 22.18K | 27.72K | |
| Provision for Credit Losses | 1.43B | 1.43B | 1.38B | 697.55M | 205.97M | 5.26M |
| Change in Other Net Operating Assets | 179.11M | 247.71M | -120.53M | -814.10M | -440.91M | -342.94M |
| Other Operating Activities | 66.00M | 538.52K | 50.41K | 100.17M | 135.46M | 131.38M |
| Operating Cash Flow | -205.37M | -165.71M | -265.77M | -181.39M | 131.23M | 19.35M |
| Capital Expenditures | 435.36K | -563.86K | -327.96K | -61.55K | -10.13M | -191.70K |
| Sale of Property, Plant & Equipment | 5.88M | 3.28M | 46.34M | 21.01M | ||
| Investment in Securities | -17.03M | -44.64M | 17.41M | 22.25M | 48.74M | -2.65M |
| Investing Cash Flow | -10.71M | -41.92M | 63.43M | 43.20M | 38.62M | -2.84M |
| Long-Term Debt Issued | 309.95M | 205.94M | 232.46M | 91.30M | 96.07M | |
| Long-Term Debt Repaid | -100.63M | -6.91M | -267.36M | -250.24M | -101.10M | |
| Net Debt Issued (Repaid) | 138.81M | 209.31M | 199.03M | -34.90M | -158.94M | -5.03M |
| Issuance of Common Stock | 50.00M | |||||
| Financing Cash Flow | 138.81M | 259.31M | 199.03M | -34.90M | -158.94M | -5.03M |
| Net Cash Flow | -77.27M | 51.68M | -3.31M | -173.09M | 10.91M | 11.49M |
| Free Cash Flow | -204.93M | -166.28M | -266.10M | -181.45M | 121.10M | 19.16M |
| Free Cash Flow Margin | 30.71% | 4.74% | ||||
| Free Cash Flow Per Share | -1.30 | -1.06 | -1.69 | -1.16 | 0.77 | 0.12 |
| Cash Interest Paid | 421.78M | 423.44M | 388.56M | 352.00M | 385.92M | 489.28M |
| Cash Income Tax Paid | 12.08M | 4.90M | 3.44M | 5.33M | 4.67M | 4.55M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 534.03M | 895.29M | 4.76B | 4.76B | 4.24B | 2.74B |
| PE Ratio | 18.70 | 12.41 | ||||
| PS Ratio | -0.50 | -3.17 | -36.89 | 10.76 | 6.78 | |
| PB Ratio | 1.24 | 1.68 | 1.09 | 1.26 | 0.88 | |
| P/FCF Ratio | 35.02 | 142.95 | ||||
| P/OCF Ratio | 32.32 | 141.53 | ||||
| Debt / Equity Ratio | -24.91 | 2.92 | 0.65 | 0.38 | 0.50 | 0.59 |
| Debt / FCF Ratio | 13.88 | 95.99 | ||||
| Net Debt / Equity Ratio | -22.31 | 2.53 | 0.57 | 0.33 | 0.38 | 0.46 |
| Net Debt / FCF Ratio | -10.57 | -11.00 | -6.09 | -7.80 | 10.55 | 75.56 |
| Quick Ratio | 2.42 | 2.17 | 2.23 | 2.25 | 2.11 | 1.92 |
| Current Ratio | 2.42 | 2.17 | 2.23 | 2.25 | 2.11 | 1.92 |
| Asset Turnover | 0.04 | 0.04 | ||||
| Return on Equity (ROE) | -193.31% | -104.14% | -42.48% | -4.41% | 7.00% | 7.31% |
| Return on Assets (ROA) | -14.79% | -14.84% | -12.69% | -1.57% | 2.31% | 2.25% |
| Return on Invested Capital (ROIC) | -49.18% | -29.40% | -3.35% | 4.53% | 4.55% | |
| Earnings Yield | -353.32% | -206.88% | -32.12% | -3.58% | 5.35% | 8.05% |
| FCF Yield | -38.37% | -18.57% | -5.59% | -3.81% | 2.86% | 0.70% |
| Dividend Yield | 2.87% | |||||
| Buyback Yield / Dilution | -4.26% | |||||
| Total Shareholder Return | -1.40% |