GRYL - FoxLogica

⏸️ GRYL: HOLD Signal (5/10) – Unusual movement in price of the shares of Grays Leasing Limited

⚡ Flash Summary

Grays Leasing Limited (GRYL), in a letter dated November 10, 2025, responded to the Pakistan Stock Exchange’s inquiry regarding unusual price movement in its shares. The company stated that it possesses no undisclosed information or reasons for the observed movement. GRYL assured the exchange that any material information would be disseminated in accordance with the Securities Act 2015 and the Rule Book of the Pakistan Stock Exchange Limited. This announcement suggests that the price fluctuations may be due to market speculation or factors outside the company’s direct control, requiring investors to exercise caution.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📢 GRYL acknowledges PSX inquiry regarding share price movement.
🗓️ Response issued November 10, 2025, referencing PSX letter dated November 6, 2025.
🔍 Company states it has no information on reasons for price changes.
🚫 No undisclosed material information is currently held by GRYL.
⚖️ Reaffirms commitment to Securities Act 2015 compliance.
📜 Adherence to Rule Book of Pakistan Stock Exchange Limited is emphasized.
🧐 Price movement possibly due to market speculation or external factors.
⚠️ Investors advised to exercise caution given lack of company-specific explanation.
🏢 Muhammad Adil Munir, Company Secretary, signed the announcement.
📍 GRYL located in Lahore, Pakistan (Gulberg II).
📧 Contact via email: info@graysleasing.com

🎯 Investment Thesis

Given the company’s statement indicating no undisclosed information regarding the unusual price movement, a HOLD recommendation is warranted. The lack of clear reasons for the price fluctuation suggests caution. A more informed decision would require further investigation into market dynamics and GRYL’s financial performance, which is not available from the provided document. The absence of material information suggests it’s not prudent to aggressively buy or sell at this time.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 10, 2025

announcements GRYL Signal: HOLD

⏸️ GRYL: HOLD Signal (5/10) – Corporate briefing session of GLL for the year ended 30-06-2025

⚡ Flash Summary

Grays Leasing Limited (GLL) held a corporate briefing session for the year ended June 30, 2025. The company reported a decrease in gross revenue from operations, falling to PKR 24.404 million from PKR 30.515 million in 2024. Profit before and after tax also declined compared to the previous year. Despite the drop in profitability, shareholders’ equity increased from PKR 71.153 million to PKR 76.583 million. The company is navigating challenges such as decreasing interest rates and is focused on developing an ECL model as per IFRS 9.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEGATIVE

Time Horizon: SHORT_TERM

📌 Key Takeaways

📉 **Revenue Decline:** Gross revenue decreased to PKR 24.404 million from PKR 30.515 million in 2024.
📉 **Profitability Drop:** Profit before tax fell to PKR 6.042 million, and profit after tax to PKR 5.546 million.
⬆️ **Equity Increase:** Shareholders’ equity increased from PKR 71.153 million to PKR 76.583 million.
✅ **IFRS 9 Compliance:** Working on developing an ECL model as per IFRS 9 for potential lease losses.
✅ **Recovery Efforts:** Sanctioned and recovered PKR 127.821 million and PKR 77.482 million, respectively, against gross investment.
⬆️ **Investment in Leases:** Gross investment in finance leases stands at PKR 510.094 million, up from PKR 496.854 million.
✅ **Net Investment Increase:** Net investment in finance leases increased to PKR 442.616 million from PKR 419.328 million.
📉 **EPS Decrease:** Earnings per share decreased from 0.361 to 0.258.
✅ **KIBOR Impact:** Reduced KIBOR rate (11-12%) makes financing/leasing attractive.
⚠️ **Risk Factors:** Challenges include limited awareness among SMEs/general consumers about NBFCs and geographic presence.
✅ **No Overdue Leases:** No leases currently running are overdue.
✅ **Provisioning Adequacy:** Bad portfolio (classified) has already been 100% provided for.
✅ **Used Car Financing:** Potential growth in leasing/financing of used vehicles due to government policy.
✅ **Restriction on Banking Sector:** Restriction on banking sector disbursal will help in generating the demand of leasing in the sector.

🎯 Investment Thesis

HOLD. The company’s financial performance has declined, but it is actively addressing regulatory requirements and strategic positioning with respect to auto-leasing. The company is navigating a challenging interest rate environment, with efforts to leverage used car financing opportunities. Price target: PKR 3.50, Time horizon: 12 months. This is based on book value per share.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements GRYL Signal: HOLD

⏸️ GRYL: HOLD Signal (5/10) – Resolutions Passed at the Annual General Meeting of Grays Leasing Limited

⚡ Flash Summary

Grays Leasing Limited held its Annual General Meeting on October 27, 2025, where key resolutions were passed. The audited financial statements for the year ended June 30, 2025, along with the auditors’ and directors’ reports, were adopted and approved. Additionally, HLB Ijaz Tabassum & Company were appointed as the new statutory auditors for the year ending June 30, 2026, replacing the retiring auditors, Riaz Ahmed & Company. The CEO and CFO were authorized to finalize the new auditors’ remuneration.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

✅ The Annual General Meeting (AGM) of Grays Leasing Limited was successfully held on October 27, 2025.
👍 Audited Financial Statements for the year ending June 30, 2025, were approved.
📊 The report of Auditors and Directors was also adopted.
🤝 Riaz Ahmed & Company retired as the company’s auditors.
💼 HLB Ijaz Tabassum & Company appointed as new statutory auditors for the year ending June 30, 2026.
📜 Appointment based on recommendation from audit committee.
🔑 CEO and CFO authorized to negotiate and finalize auditor remuneration.
📅 Auditor remuneration negotiations pertain to the audit for the year ending June 30, 2026.
📄 All resolutions passed align with PSX Regulations clause 5.6.9(b).
🏢 The meeting took place at the company’s registered office in Lahore.
✉️ Official notice was given to the Pakistan Stock Exchange.
✔️ The resolutions indicate adherence to corporate governance standards.
🗓️ Continuity maintained in financial oversight with new auditor appointment for 2026.
⚖️ Legal and regulatory compliance confirmed via PSX regulations reference.

🎯 Investment Thesis

Given the limited information, maintaining a HOLD recommendation is appropriate. Without concrete financial metrics, there’s no basis to adjust the investment stance. The announcement signals routine corporate governance, not a catalyst for significant price movement. A price target and time horizon cannot be provided without fundamental financial analysis.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements GRYL Signal: SELL

📉 GRYL: SELL Signal (8/10) – Financial results for the quarter ended 30-09-2025

⚡ Flash Summary

Grays Leasing Limited’s financial results for the quarter ended September 30, 2025, reveal a concerning decline in profitability. Revenue decreased significantly compared to the same quarter last year, leading to a substantial drop in profit before taxation and profit after taxation. The company reported a lower profit per share, reflecting the overall downturn in financial performance. Investors should carefully evaluate the factors contributing to this decline before making investment decisions.

Signal: SELL 📉

Strength: 8/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Revenue declined by 20.1% from PKR 6.963 million to PKR 5.561 million.
📉 Income from lease operations decreased by 19.5% from PKR 6.283 million to PKR 5.059 million.
📉 Other income decreased by 26.1% from PKR 680,006 to PKR 502,787.
⚠️ Administrative and operating expenses decreased slightly by 4.2% from PKR (4.097) million to PKR (3.924) million.
⚠️ Financial and other charges increased significantly from PKR (1,113) to PKR (6,653).
📉 Profit before taxation decreased by 43.1% from PKR 2.865 million to PKR 1.631 million.
📉 Taxation decreased by 40.5% from PKR (487,043) to PKR (289,813).
📉 Profit after taxation decreased by 43.6% from PKR 2.378 million to PKR 1.341 million.
📉 Profit per share (basic and diluted) decreased by 45.9% from PKR 0.111 to PKR 0.060.
💰 Cash and bank balances decreased significantly from PKR 6.781 million to PKR 1.180 million.
⚠️ Accumulated loss increased from PKR (197.673) million to PKR (196.332) million, indicating continued losses.
❌ No cash dividend, bonus shares, or right shares were declared for this quarter.
⚠️ Net cash used in operating activities was PKR (0.380) million compared to cash generated of PKR 1.840 million in the same period last year.

🎯 Investment Thesis

SELL. The significant decline in revenue and profitability, coupled with negative operating cash flow and increasing accumulated losses, makes GRYL a high-risk investment. The current financial performance does not justify a positive investment thesis. A price target cannot be reasonably established given the negative outlook and the likelihood of continued underperformance. Time horizon: Short to medium term.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements GRYL Signal: HOLD

⏸️ GRYL: HOLD Signal (5/10) – Transmission of quarterly financial statements for the period ended 30-09-2025

⚡ Flash Summary

Grays Leasing Limited (GRYL) reported a significant decrease in business transactions for the period ended September 30, 2025, with Rupees 4.790 million compared to Rupees 12.775 million in the same period of 2024. Profit before and after tax also declined to Rupees 1.631 million and Rupees 1.341 million, respectively, from Rupees 2.865 million and Rupees 2.378 million in 2024. Net investment decreased slightly to Rupees 431.463 million, and the company’s equity stood at Rupees 77.925 million. The reduction in KIBOR rates and government policies on used car imports present potential growth opportunities, although challenges remain due to limited awareness and geographic presence.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEGATIVE

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📉 Business volume decreased significantly from ₹12.775 million to ₹4.790 million.
⚠️ Profit before tax declined from ₹2.865 million to ₹1.631 million.
⚠️ Profit after tax decreased from ₹2.378 million to ₹1.341 million.
📉 Net investment in lease finance slightly decreased to ₹431.463 million.
✅ Equity stands at ₹77.925 million.
📉 KIBOR rate reduced from 22% to 11-12%, making financing more attractive.💰
🚗 Government policy allows import of used cars, potentially increasing leasing demand.📈
🏦 Banking sector restrictions on vehicle financing (max ₹3 million) could boost leasing demand.🏦
🚧 Limited awareness of NBFCs among SMEs remains a challenge.
🌍 Narrow geographic presence of leasing companies is still a hurdle.📍
📊 Profit per share decreased from ₹0.111 to ₹0.062.📉
🤝 Thanked clients and appreciated employees’ efforts.🙌
🏢 Registered office is in Lahore.📍
🏦 Bankers include Meezan Bank Limited and The Bank of Punjab.🏦

🎯 Investment Thesis

Given the decline in financial performance and the mixed outlook with potential growth opportunities offset by existing challenges, a HOLD recommendation is appropriate. The company needs to demonstrate improved operational efficiency and capitalize on the changing regulatory environment before a more positive outlook can be justified. A price target cannot be accurately set without a detailed valuation model and further information. Time horizon is MEDIUM_TERM, pending signs of turnaround.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

announcements GRYL Signal: HOLD

⏸️ GRYL: HOLD Signal (5/10) – Board meeting

⚡ Flash Summary

Grays Leasing Limited has announced a board meeting to be held on October 27, 2025, to review the quarterly accounts for the period ending September 30, 2025. In compliance with PSX regulations, the company has declared a ‘Closed Period’ from October 20, 2025, to October 27, 2025. During this time, directors, the CEO, and executives are prohibited from directly or indirectly dealing in the company’s shares. This announcement provides information about the company’s governance and reporting schedule, ensuring transparency and adherence to regulatory requirements.

Signal: HOLD ⏸️

Strength: 5/10

Sentiment: NEUTRAL

Time Horizon: MEDIUM_TERM

📌 Key Takeaways

📅 Board meeting scheduled for October 27, 2025.
🏢 Meeting to be held at the registered office in Lahore.
🧾 Purpose: Review of quarterly accounts ending September 30, 2025.
🔒 ‘Closed Period’ declared from October 20-27, 2025.
🚫 Restrictions on directors and executives dealing in shares during this period.
📜 Compliance with PSX Regulation Clause 5.6.1 (d).
📢 Information disseminated to exchange members.
🏢 Company: Grays Leasing Limited.
✍️ Announcement by Company Secretary Muhammad Adil Munir.
🏢 Registered office located at 701-A, 7th Floor, City Towers, Main Boulevard Gulberg II, Lahore.

🎯 Investment Thesis

A ‘HOLD’ recommendation is appropriate at this stage. The announcement is purely procedural and doesn’t provide enough information to warrant a change in investment strategy. Once the quarterly report is released and analyzed, a more informed decision can be made. A price target and time horizon cannot be determined without financial data.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 15, 2025

GRYL PSX Announcements Signal-HOLD

⏸️ GRYL: HOLD Signal – Unusual movement movement in price of the shares of Grays Leasing Limited

⏸️ Trading Signal & Analysis

SignalHOLD

Strength5 / 10

SentimentNEUTRAL

Financial ImpactLOW

What this means: 📊 Regular News: This is a routine company announcement. May not have big impact on stock price immediately.

🏢 Company & Announcement

SymbolGRYL

CompanyGrays Leasing Limited

DateSep 25, 2025

Time11:30 AM

Announcement Title:

Unusual movement movement in price of the shares of Grays Leasing Limited

🧠 Investment Thesis

hold recommendation with neutral outlook for GRYL

📋 Key Highlights

Corporate announcement

⚠️ Risk Assessment

Market volatility
Sector-specific risks
Economic conditions

📄 Source Document

View Original PDF

🔍 Raw Analysis Data

Click to view JSON data

{
  "sentiment": "NEUTRAL",
  "signal": "HOLD",
  "strength": 5,
  "brief_summary": "Company GRYL: Unusual movement movement in price of the shares of Grays Leasing Limited",
  "key_points": [
    "Corporate announcement"
  ],
  "financial_impact": "LOW",
  "price_target": "Neutral movement expected",
  "risk_factors": [
    "Market volatility",
    "Sector-specific risks",
    "Economic conditions"
  ],
  "investment_thesis": "hold recommendation with neutral outlook for GRYL",
  "simple_note": "\ud83d\udcca Regular News: This is a routine company announcement. May not have big impact on stock price immediately."
}

Disclaimer: This analysis is AI-generated and for informational purposes only. It is not financial advice. Please conduct your own research before making any investment decisions.

Written by: FoxLogica News Analysis

Published on: September 25, 2025

GRYL PSX Announcements Signal-SELL

📉 GRYL: SELL Signal – Financial results for the year ended 30-06-2025

📉 Trading Signal & Analysis

SignalSELL

Strength7 / 10

SentimentNEGATIVE

Financial ImpactMEDIUM

What this means: 📉 Loss News: Company lost money this quarter. Stock price may fall because investors worry about companies that are not making profit.

🏢 Company & Announcement

SymbolGRYL

CompanyGrays Leasing Limited

DateSep 19, 2025

Time12:10 PM

Announcement Title:

Financial results for the year ended 30-06-2025

🧠 Investment Thesis

Given the decrease in revenue, profit, and earnings per share, along with no dividend announcement, a cautious approach is advised for retail investors. Consider selling or reducing exposure to GRYL until the company demonstrates a turnaround in financial performance. Monitor the company’s future announcements and economic conditions for potential changes.

📋 Key Highlights

Revenue decreased from PKR 30.51 million in 2024 to PKR 24.40 million in 2025.
Profit after taxation decreased from PKR 7.76 million in 2024 to PKR 5.55 million in 2025.
Earnings per share decreased from PKR 0.361 in 2024 to PKR 0.258 in 2025.
No cash dividend, bonus shares, or right shares were announced.

⚠️ Risk Assessment

Decline in revenue and profitability may continue.
General economic conditions in Pakistan.
Competition from other leasing companies.

📄 Source Document

View Original PDF

🔍 Raw Analysis Data

Click to view JSON data

{
  "sentiment": "NEGATIVE",
  "signal": "SELL",
  "strength": 7,
  "brief_summary": "Grays Leasing Limited's financial results for the year ended June 30, 2025, show a decline in revenue and profit compared to the previous year. There were no dividends, bonus shares, or right shares declared. Investors should be cautious due to the reduced profitability.",
  "key_points": [
    "Revenue decreased from PKR 30.51 million in 2024 to PKR 24.40 million in 2025.",
    "Profit after taxation decreased from PKR 7.76 million in 2024 to PKR 5.55 million in 2025.",
    "Earnings per share decreased from PKR 0.361 in 2024 to PKR 0.258 in 2025.",
    "No cash dividend, bonus shares, or right shares were announced."
  ],
  "financial_impact": "MEDIUM",
  "price_target": "Based on the declining financials, a conservative price target would be a 10-15% decrease from the current market price.",
  "risk_factors": [
    "Decline in revenue and profitability may continue.",
    "General economic conditions in Pakistan.",
    "Competition from other leasing companies."
  ],
  "investment_thesis": "Given the decrease in revenue, profit, and earnings per share, along with no dividend announcement, a cautious approach is advised for retail investors. Consider selling or reducing exposure to GRYL until the company demonstrates a turnaround in financial performance. Monitor the company's future announcements and economic conditions for potential changes.",
  "simple_note": "\ud83d\udcc9 Loss News: Company lost money this quarter. Stock price may fall because investors worry about companies that are not making profit."
}

Disclaimer: This analysis is AI-generated and for informational purposes only. It is not financial advice. Please conduct your own research before making any investment decisions.

Written by: FoxLogica News Analysis

Published on: September 23, 2025