Share Price and Basic Stock Data
Last Updated: December 18, 2025, 3:42 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Gujarat Credit Corporation Ltd operates within the finance and investments sector, but its revenue performance has been lackluster in recent years. The company reported zero sales for several consecutive quarters, stretching back to June 2022, with no signs of recovery as of the latest reports up to March 2025. Despite its established presence, the absence of revenue generation highlights significant operational challenges. This trend raises questions about the company’s business model and its capacity to adapt to changing market dynamics. Investors might find it concerning that the company has not captured any meaningful revenue, which could be reflective of broader industry challenges or internal inefficiencies. The reliance on other income, which fluctuates but remains minimal, further emphasizes the urgent need for a strategic overhaul to stimulate sales growth.
Profitability and Efficiency Metrics
Profitability metrics for Gujarat Credit Corporation Ltd indicate a troubling trend. The company recorded a net profit of ₹-0.87 Cr for the fiscal year ending March 2025, continuing its streak of negative profitability. The operating profit margin (OPM) remained negative throughout this period, signaling ongoing operational inefficiencies. Moreover, the return on equity (ROE) and return on capital employed (ROCE) stood at 6.47% and 0.99%, respectively, which are underwhelming figures in comparison to industry standards. These indicators suggest that the company is not utilizing its capital effectively to generate returns for shareholders. The interest coverage ratio of -1411.50x is particularly alarming, indicating that the company is struggling to meet its interest obligations, which could lead to liquidity issues if not addressed promptly.
Balance Sheet Strength and Financial Ratios
The balance sheet of Gujarat Credit Corporation Ltd presents a mixed picture. As of March 2025, the company reported borrowings of ₹17.11 Cr, which, while relatively stable, raises concerns given the absence of revenue. The debt-to-equity ratio of 0.95 indicates a moderate level of leverage, but the lack of profitability raises red flags about the sustainability of this debt. Meanwhile, reserves have decreased to ₹4.12 Cr, highlighting a potential erosion of financial stability over time. The book value per share, which stood at ₹15.32, offers some reassurance, but with a price-to-book value ratio of 2.14x, it suggests that investors are paying a premium for a company that is currently delivering little in terms of earnings. The financial ratios indicate that while the company has a solid asset base, its ability to convert these assets into profits remains a significant concern.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Gujarat Credit Corporation Ltd reveals a predominantly public ownership, which stood at 68.39% as of March 2025, while promoters held 31.61%. This distribution suggests a lack of strong institutional backing, as reflected by the absence of foreign or domestic institutional investors. Over the past few quarters, the number of shareholders has steadily declined from 9,149 in December 2022 to 8,703 by March 2025. This drop could indicate waning investor confidence, likely stemming from the company’s ongoing financial struggles and lack of growth prospects. For retail investors, the high public ownership may also imply that the stock is perceived as a speculative investment rather than a stable one, which could contribute to increased volatility in share prices.
Outlook, Risks, and Final Insight
The future outlook for Gujarat Credit Corporation Ltd appears uncertain, primarily due to its inability to generate revenue and maintain profitability. Risks include potential liquidity issues stemming from high debt levels paired with negative profitability, which could lead to operational constraints. Additionally, the declining number of shareholders may suggest a lack of confidence in the company’s strategic direction. Investors should be cautious; without a clear turnaround strategy, the company risks further erosion of shareholder value. On the other hand, if Gujarat Credit can identify avenues for revenue generation and improve operational efficiency, there could be a path towards stabilization. For investors, understanding the balance between risk and potential reward will be crucial, especially in a sector that demands robust financial health and adaptability to thrive.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.9 Cr. | 40.5 | 67.7/36.4 | 47.5 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,381 Cr. | 300 | 484/280 | 15.3 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.0 Cr. | 0.47 | 2.02/0.45 | 4.58 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.45 Cr. | 11.0 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.6 | 72.0/40.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,228.32 Cr | 1,373.88 | 82.37 | 3,844.37 | 0.36% | 21.71% | 14.20% | 7.22 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Expenses | 0.07 | 0.06 | 0.07 | 0.02 | 0.08 | 0.04 | 0.04 | 0.05 | 0.07 | 0.03 | 0.03 | 0.32 | 0.09 |
| Operating Profit | -0.07 | -0.06 | -0.07 | -0.02 | -0.08 | -0.04 | -0.04 | -0.05 | -0.07 | -0.03 | -0.03 | -0.32 | -0.09 |
| OPM % | |||||||||||||
| Other Income | 0.00 | 0.10 | 0.00 | 0.16 | 0.10 | 0.06 | 0.00 | 0.07 | 0.00 | 0.04 | 0.04 | 0.09 | 0.00 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -0.07 | 0.04 | -0.07 | 0.14 | 0.02 | 0.02 | -0.04 | 0.02 | -0.07 | 0.01 | 0.01 | -0.23 | -0.09 |
| Tax % | 0.00% | 0.00% | 0.00% | 21.43% | 0.00% | 50.00% | 0.00% | -50.00% | 0.00% | 0.00% | 0.00% | -8.70% | 0.00% |
| Net Profit | -0.85 | -0.26 | -0.14 | 1.27 | 0.06 | -0.04 | -0.08 | -0.04 | -0.13 | -0.24 | 0.51 | -0.24 | -0.18 |
| EPS in Rs | -0.34 | -0.10 | -0.06 | 0.51 | 0.02 | -0.02 | -0.03 | -0.02 | -0.05 | -0.10 | 0.20 | -0.10 | -0.07 |
Last Updated: August 19, 2025, 2:15 pm
Below is a detailed analysis of the quarterly data for Gujarat Credit Corporation Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Expenses, as of Jun 2025, the value is 0.09 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.32 Cr. (Mar 2025) to 0.09 Cr., marking a decrease of 0.23 Cr..
- For Operating Profit, as of Jun 2025, the value is -0.09 Cr.. The value appears strong and on an upward trend. It has increased from -0.32 Cr. (Mar 2025) to -0.09 Cr., marking an increase of 0.23 Cr..
- For OPM %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.09 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.09 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is -0.09 Cr.. The value appears strong and on an upward trend. It has increased from -0.23 Cr. (Mar 2025) to -0.09 Cr., marking an increase of 0.14 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be increasing, which may not be favorable. It has increased from -8.70% (Mar 2025) to 0.00%, marking an increase of 8.70%.
- For Net Profit, as of Jun 2025, the value is -0.18 Cr.. The value appears strong and on an upward trend. It has increased from -0.24 Cr. (Mar 2025) to -0.18 Cr., marking an increase of 0.06 Cr..
- For EPS in Rs, as of Jun 2025, the value is -0.07. The value appears strong and on an upward trend. It has increased from -0.10 (Mar 2025) to -0.07, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:37 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.13 | 0.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Expenses | 0.24 | 0.13 | 0.22 | 0.22 | 0.26 | 0.18 | 0.21 | 0.21 | 0.45 | 0.52 |
| Operating Profit | -0.24 | 0.00 | -0.09 | -0.22 | -0.26 | -0.18 | -0.21 | -0.21 | -0.45 | -0.52 |
| OPM % | 0.00% | -69.23% | ||||||||
| Other Income | 0.29 | 0.08 | 0.49 | 0.28 | 0.36 | 0.25 | 0.25 | 0.23 | 0.17 | 0.13 |
| Interest | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.02 | 0.07 | 0.39 | 0.05 | 0.09 | 0.06 | 0.03 | 0.02 | -0.28 | -0.39 |
| Tax % | 50.00% | 0.00% | 20.51% | 0.00% | 33.33% | 33.33% | 100.00% | 50.00% | -3.57% | |
| Net Profit | 0.15 | 0.15 | 0.20 | 0.09 | -0.20 | 1.50 | 0.03 | -0.11 | -0.87 | -0.14 |
| EPS in Rs | 0.06 | 0.06 | 0.08 | 0.04 | -0.08 | 0.60 | 0.01 | -0.04 | -0.35 | -0.06 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 33.33% | -55.00% | -322.22% | 850.00% | -98.00% | -466.67% | -690.91% |
| Change in YoY Net Profit Growth (%) | 0.00% | 33.33% | -88.33% | -267.22% | 1172.22% | -948.00% | -368.67% | -224.24% |
Gujarat Credit Corporation Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | % |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 48% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 42% |
| 3 Years: | 7% |
| 1 Year: | 31% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 1% |
| 3 Years: | -2% |
| Last Year: | -7% |
Last Updated: September 5, 2025, 3:40 pm
Balance Sheet
Last Updated: December 4, 2025, 3:00 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.08 | 10.08 | 10.08 | 10.08 | 10.08 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 |
| Reserves | 2.22 | 2.43 | 2.46 | 2.53 | 2.36 | 5.46 | 5.48 | 5.39 | 4.52 | 4.12 |
| Borrowings | 17.79 | 17.82 | 17.45 | 17.50 | 17.47 | 17.44 | 18.61 | 17.38 | 12.44 | 17.11 |
| Other Liabilities | 0.04 | 0.04 | 0.12 | 0.07 | 0.06 | 0.10 | 0.12 | 1.44 | 7.05 | 2.75 |
| Total Liabilities | 30.13 | 30.37 | 30.11 | 30.18 | 29.97 | 31.50 | 32.71 | 32.71 | 32.51 | 32.48 |
| Fixed Assets | 26.69 | 26.94 | 27.02 | 27.05 | 27.08 | 27.11 | 28.01 | 28.39 | 29.04 | 29.21 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 3.05 | 3.21 | 2.83 | 2.86 | 2.62 | 4.15 | 4.16 | 4.06 | 3.45 | 3.23 |
| Other Assets | 0.39 | 0.22 | 0.26 | 0.27 | 0.27 | 0.24 | 0.54 | 0.26 | 0.02 | 0.04 |
| Total Assets | 30.13 | 30.37 | 30.11 | 30.18 | 29.97 | 31.50 | 32.71 | 32.71 | 32.51 | 32.48 |
Below is a detailed analysis of the balance sheet data for Gujarat Credit Corporation Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 8.50 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 8.50 Cr..
- For Reserves, as of Sep 2025, the value is 4.12 Cr.. The value appears to be declining and may need further review. It has decreased from 4.52 Cr. (Mar 2025) to 4.12 Cr., marking a decrease of 0.40 Cr..
- For Borrowings, as of Sep 2025, the value is 17.11 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 12.44 Cr. (Mar 2025) to 17.11 Cr., marking an increase of 4.67 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2.75 Cr.. The value appears to be improving (decreasing). It has decreased from 7.05 Cr. (Mar 2025) to 2.75 Cr., marking a decrease of 4.30 Cr..
- For Total Liabilities, as of Sep 2025, the value is 32.48 Cr.. The value appears to be improving (decreasing). It has decreased from 32.51 Cr. (Mar 2025) to 32.48 Cr., marking a decrease of 0.03 Cr..
- For Fixed Assets, as of Sep 2025, the value is 29.21 Cr.. The value appears strong and on an upward trend. It has increased from 29.04 Cr. (Mar 2025) to 29.21 Cr., marking an increase of 0.17 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 3.23 Cr.. The value appears to be declining and may need further review. It has decreased from 3.45 Cr. (Mar 2025) to 3.23 Cr., marking a decrease of 0.22 Cr..
- For Other Assets, as of Sep 2025, the value is 0.04 Cr.. The value appears strong and on an upward trend. It has increased from 0.02 Cr. (Mar 2025) to 0.04 Cr., marking an increase of 0.02 Cr..
- For Total Assets, as of Sep 2025, the value is 32.48 Cr.. The value appears to be declining and may need further review. It has decreased from 32.51 Cr. (Mar 2025) to 32.48 Cr., marking a decrease of 0.03 Cr..
However, the Borrowings (17.11 Cr.) are higher than the Reserves (4.12 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -18.03 | -17.82 | -17.54 | -17.72 | -17.73 | -17.62 | -18.82 | -17.59 | -12.89 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | |||||||
| Inventory Days | |||||||||
| Days Payable | |||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | |||||||
| Working Capital Days | -112.31 | -224.62 | |||||||
| ROCE % | 0.20% | 1.29% | 0.17% | 0.33% | 0.23% | 0.09% | 0.06% | -0.97% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -1.03 | -0.10 | 0.03 | 1.79 | -0.21 |
| Diluted EPS (Rs.) | -1.03 | -0.10 | 0.03 | 1.79 | -0.21 |
| Cash EPS (Rs.) | -0.31 | 0.01 | 0.01 | 0.05 | 0.07 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 15.32 | 16.34 | 16.44 | 13.85 | 12.34 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 15.32 | 16.34 | 16.44 | 13.85 | 12.34 |
| PBDIT / Share (Rs.) | -0.33 | 0.02 | 0.04 | 0.07 | 0.11 |
| PBIT / Share (Rs.) | -0.33 | 0.02 | 0.03 | 0.06 | 0.10 |
| PBT / Share (Rs.) | -0.33 | 0.02 | 0.03 | 0.05 | 0.08 |
| Net Profit / Share (Rs.) | -0.31 | 0.01 | 0.01 | 0.03 | 0.06 |
| NP After MI And SOA / Share (Rs.) | -1.02 | -0.12 | 0.03 | 1.48 | -0.19 |
| Return on Networth / Equity (%) | -6.69 | -0.78 | 0.20 | 10.71 | -1.59 |
| Return on Capital Employeed (%) | -1.11 | 0.07 | 0.10 | 0.20 | 0.33 |
| Return On Assets (%) | -2.68 | -0.33 | 0.08 | 4.74 | -0.66 |
| Long Term Debt / Equity (X) | 0.95 | 1.35 | 1.33 | 1.25 | 1.40 |
| Total Debt / Equity (X) | 0.95 | 1.35 | 1.33 | 1.25 | 1.40 |
| Current Ratio (X) | 0.00 | 2.72 | 4.83 | 2.08 | 0.88 |
| Quick Ratio (X) | 0.00 | 2.72 | 4.83 | 2.08 | 0.88 |
| Interest Coverage Ratio (X) | -1411.50 | 0.00 | 0.00 | 157.00 | 160.55 |
| Interest Coverage Ratio (Post Tax) (X) | -1356.50 | 0.00 | 0.00 | 91.20 | 107.27 |
| Enterprise Value (Cr.) | 40.34 | 35.48 | 35.46 | 68.00 | 21.24 |
| EV / EBITDA (X) | -142.90 | 1460.07 | 873.49 | 866.21 | 184.39 |
| Price / BV (X) | 2.14 | 1.21 | 1.22 | 3.62 | 0.30 |
| EarningsYield | -0.03 | -0.01 | 0.00 | 0.02 | -0.05 |
After reviewing the key financial ratios for Gujarat Credit Corporation Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -1.03. This value is below the healthy minimum of 5. It has decreased from -0.10 (Mar 24) to -1.03, marking a decrease of 0.93.
- For Diluted EPS (Rs.), as of Mar 25, the value is -1.03. This value is below the healthy minimum of 5. It has decreased from -0.10 (Mar 24) to -1.03, marking a decrease of 0.93.
- For Cash EPS (Rs.), as of Mar 25, the value is -0.31. This value is below the healthy minimum of 3. It has decreased from 0.01 (Mar 24) to -0.31, marking a decrease of 0.32.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 15.32. It has decreased from 16.34 (Mar 24) to 15.32, marking a decrease of 1.02.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 15.32. It has decreased from 16.34 (Mar 24) to 15.32, marking a decrease of 1.02.
- For PBDIT / Share (Rs.), as of Mar 25, the value is -0.33. This value is below the healthy minimum of 2. It has decreased from 0.02 (Mar 24) to -0.33, marking a decrease of 0.35.
- For PBIT / Share (Rs.), as of Mar 25, the value is -0.33. This value is below the healthy minimum of 0. It has decreased from 0.02 (Mar 24) to -0.33, marking a decrease of 0.35.
- For PBT / Share (Rs.), as of Mar 25, the value is -0.33. This value is below the healthy minimum of 0. It has decreased from 0.02 (Mar 24) to -0.33, marking a decrease of 0.35.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -0.31. This value is below the healthy minimum of 2. It has decreased from 0.01 (Mar 24) to -0.31, marking a decrease of 0.32.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is -1.02. This value is below the healthy minimum of 2. It has decreased from -0.12 (Mar 24) to -1.02, marking a decrease of 0.90.
- For Return on Networth / Equity (%), as of Mar 25, the value is -6.69. This value is below the healthy minimum of 15. It has decreased from -0.78 (Mar 24) to -6.69, marking a decrease of 5.91.
- For Return on Capital Employeed (%), as of Mar 25, the value is -1.11. This value is below the healthy minimum of 10. It has decreased from 0.07 (Mar 24) to -1.11, marking a decrease of 1.18.
- For Return On Assets (%), as of Mar 25, the value is -2.68. This value is below the healthy minimum of 5. It has decreased from -0.33 (Mar 24) to -2.68, marking a decrease of 2.35.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.95. This value is within the healthy range. It has decreased from 1.35 (Mar 24) to 0.95, marking a decrease of 0.40.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.95. This value is within the healthy range. It has decreased from 1.35 (Mar 24) to 0.95, marking a decrease of 0.40.
- For Current Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1.5. It has decreased from 2.72 (Mar 24) to 0.00, marking a decrease of 2.72.
- For Quick Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 2.72 (Mar 24) to 0.00, marking a decrease of 2.72.
- For Interest Coverage Ratio (X), as of Mar 25, the value is -1,411.50. This value is below the healthy minimum of 3. It has decreased from 0.00 (Mar 24) to -1,411.50, marking a decrease of 1,411.50.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is -1,356.50. This value is below the healthy minimum of 3. It has decreased from 0.00 (Mar 24) to -1,356.50, marking a decrease of 1,356.50.
- For Enterprise Value (Cr.), as of Mar 25, the value is 40.34. It has increased from 35.48 (Mar 24) to 40.34, marking an increase of 4.86.
- For EV / EBITDA (X), as of Mar 25, the value is -142.90. This value is below the healthy minimum of 5. It has decreased from 1,460.07 (Mar 24) to -142.90, marking a decrease of 1,602.97.
- For Price / BV (X), as of Mar 25, the value is 2.14. This value is within the healthy range. It has increased from 1.21 (Mar 24) to 2.14, marking an increase of 0.93.
- For EarningsYield, as of Mar 25, the value is -0.03. This value is below the healthy minimum of 5. It has decreased from -0.01 (Mar 24) to -0.03, marking a decrease of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Gujarat Credit Corporation Ltd:
- Net Profit Margin: 0%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: -1.11% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -6.69% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): -1356.5
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 82.37)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.95
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 0%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance & Investments | A-115, Siddhi Vinayak Towers, Ahmedabad Gujarat 380051 | gujaratcredit@gmail.com http://www.gccl.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Amam S Shah | Managing Director |
| Mrs. Binoti Shah | Director |
| Mr. Bahubali S Shah | Director |
| Mr. Priyank S Jhaveri | Independent Director |
| Mr. Vipul R Patel | Independent Director |
| Mr. Apurva R Hathi | Independent Director |
FAQ
What is the intrinsic value of Gujarat Credit Corporation Ltd?
Gujarat Credit Corporation Ltd's intrinsic value (as of 18 December 2025) is 4.00 which is 86.39% lower the current market price of 29.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 73.6 Cr. market cap, FY2025-2026 high/low of 54.2/24.8, reserves of ₹4.12 Cr, and liabilities of 32.48 Cr.
What is the Market Cap of Gujarat Credit Corporation Ltd?
The Market Cap of Gujarat Credit Corporation Ltd is 73.6 Cr..
What is the current Stock Price of Gujarat Credit Corporation Ltd as on 18 December 2025?
The current stock price of Gujarat Credit Corporation Ltd as on 18 December 2025 is 29.4.
What is the High / Low of Gujarat Credit Corporation Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Gujarat Credit Corporation Ltd stocks is 54.2/24.8.
What is the Stock P/E of Gujarat Credit Corporation Ltd?
The Stock P/E of Gujarat Credit Corporation Ltd is .
What is the Book Value of Gujarat Credit Corporation Ltd?
The Book Value of Gujarat Credit Corporation Ltd is 5.05.
What is the Dividend Yield of Gujarat Credit Corporation Ltd?
The Dividend Yield of Gujarat Credit Corporation Ltd is 0.00 %.
What is the ROCE of Gujarat Credit Corporation Ltd?
The ROCE of Gujarat Credit Corporation Ltd is 0.99 %.
What is the ROE of Gujarat Credit Corporation Ltd?
The ROE of Gujarat Credit Corporation Ltd is 6.47 %.
What is the Face Value of Gujarat Credit Corporation Ltd?
The Face Value of Gujarat Credit Corporation Ltd is 10.0.