Gujarat Credit Corporation Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Gujarat Credit Corporation Ltd?

Gujarat Credit Corporation Ltd is trading at 27.30 as of 25 April 2026, with a FY2026-2027 high of 38.4 and low of 22.0. The stock is currently in the middle of its 52-week range. Market cap stands at 68.3 Cr..

Q: Is Gujarat Credit Corporation Ltd financially healthy?

Key indicators: ROCE of 0.99 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Gujarat Credit Corporation Ltd profitable and how is the profit trend?

Gujarat Credit Corporation Ltd reported a net profit of -1 Cr in Mar 2025. Compared to 2 Cr in Mar 2022, the net profit shows a declining trend.

Fair Value

₹4.00Overvalued by 85.35%vs CMP ₹27.30

P/E (15.0) × ROE (6.5%) × BV (₹5.05) × DY (2.00%)

Defaults: P/E=15

₹3.33Overvalued by 87.80%vs CMP ₹27.30

MoS: -719.8% (Negative)Confidence: 53/100 (Moderate)Models: All 3: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹3.51	50%	Over (-87.1%)
Net Asset Value	Assets	₹5.04	30%	Over (-81.5%)
ROCE Capital	Returns	₹0.33	20%	Over (-98.8%)
Consensus (3 models)		₹3.33	100%	Overvalued

Key Drivers: Wide model spread (₹0–₹5) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -12.1% · Defaults: P/E=15

*Investments are subject to market risks

Analyst Summary

Gujarat Credit Corporation Ltd operates in the Finance & Investments segment, NSE: GUJCRED | BSE: 511441, current market price is ₹27.30, market cap is 68.3 Cr.. At a glance, ROE is 6.47 %, ROCE is 0.99 %, book value is 5.05, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹3.33, around 87.8% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹0 Cr, while latest net profit is about ₹-1 Cr with a prior-period change of -690.9%. The 52-week range shown on this page is 38.4/22.0, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisGujarat Credit Corporation Ltd. is a Public Limited Listed company incorporated on 01/11/1993 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CI…

This summary is generated from the stock page data available for Gujarat Credit Corporation Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Gujarat Credit Corporation Ltd scores 38/100 (Weak)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health25/100 · Weak

ROCE 1.0% WeakROE 6.5% AverageD/E 1.40 High debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent

Smart Money50/100 · Moderate

Promoter holding at 31.6% Stable

Earnings Quality50/100 · Moderate

OPM stable around 0% Steady

Quarterly Momentum40/100 · Moderate

Profit (4Q): -870% YoY Declining

Industry Rank30/100 · Weak

ROCE 1.0% vs industry 21.3% Below peersROE 6.5% vs industry 13.8% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 26, 2026, 1:38 am

Market Cap	68.3 Cr.
Current Price	27.3
Intrinsic Value	₹3.34
High / Low	38.4/22.0
Stock P/E
Book Value	5.05
Dividend Yield	0.00 %
ROCE	0.99 %
ROE	6.47 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Gujarat Credit Corporation Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	10.0 Cr.	34.1	53.0/24.7	47.6	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,338 Cr.	295	399/235	14.6	111	0.34 %	33.3 %	26.2 %	10.0
Monotype India Ltd	33.0 Cr.	0.47	0.82/0.37	5.28	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.15 Cr.	8.38	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	13.0 Cr.	25.4	69.9/16.4		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	6,963.82 Cr	1,284.20		124.91	4,364.68	0.39%	21.30%	13.80%	7.23

All Competitor Stocks of Gujarat Credit Corporation Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	0.02	0.08	0.04	0.04	0.05	0.07	0.03	0.03	0.32	0.09	0.08	0.07
Operating Profit	-0.07	-0.02	-0.08	-0.04	-0.04	-0.05	-0.07	-0.03	-0.03	-0.32	-0.09	-0.08	-0.07
OPM %
Other Income	0.00	0.16	0.10	0.06	0.00	0.07	0.00	0.04	0.04	0.09	0.00	0.00	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	0.14	0.02	0.02	-0.04	0.02	-0.07	0.01	0.01	-0.23	-0.09	-0.08	-0.07
Tax %	0.00%	21.43%	0.00%	50.00%	0.00%	-50.00%	0.00%	0.00%	0.00%	-8.70%	0.00%	0.00%	0.00%
Net Profit	-0.14	1.27	0.06	-0.04	-0.08	-0.04	-0.13	-0.24	0.51	-0.24	-0.18	-0.23	-0.12
EPS in Rs	-0.06	0.51	0.02	-0.02	-0.03	-0.02	-0.05	-0.10	0.20	-0.10	-0.07	-0.09	-0.05

Last Updated: March 3, 2026, 9:24 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 6:46 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	0.56
Operating Profit	-0.24	0.00	-0.09	-0.22	-0.26	-0.18	-0.21	-0.21	-0.45	-0.56
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	0.09
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	-0.47
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	-0.77
EPS in Rs	0.06	0.06	0.08	0.04	-0.08	0.60	0.01	-0.04	-0.35	-0.31
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

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

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	19.67	0.38	0.25	0.03	-0.17	0.13	-0.13	0.16	5.56
Cash from Investing Activity +	-20.12	-0.44	0.12	-0.08	0.20	-0.09	-1.03	-0.26	-0.64
Cash from Financing Activity +	0.44	0.03	-0.37	0.04	-0.03	-0.03	1.18	0.10	-4.94
Net Cash Flow	0.00	-0.03	0.00	0.00	0.00	0.01	0.01	0.00	-0.02
Free Cash Flow	-0.68	0.09	0.16	-0.02	-0.22	0.08	-1.04	-0.22	4.91
CFO/OP	-8,196%		-278%	-14%	65%	-72%	62%	-86%	-1,236%

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%	31.61%
Public	68.39%	68.39%	68.39%	68.39%	68.40%	68.40%	68.39%	68.39%	68.39%	68.38%	68.39%	68.39%
No. of Shareholders	9,149	9,149	8,947	8,942	8,905	8,903	8,926	8,808	8,778	8,741	8,703	8,668

Shareholding Pattern Chart

No. of Shareholders

Gujarat Credit Corporation Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE / ROE Trend

EPS Trend

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Gujarat Credit Corporation Ltd. is a Public Limited Listed company incorporated on 01/11/1993 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L72900GJ1993PLC020564 and registration number is 020564. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 0.00 Cr. and Equity Capital is Rs. 8.50 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	A-115, Siddhi Vinayak Towers, Ahmedabad Gujarat 380051	Contact not found

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 and is it undervalued?

As of 25 April 2026, Gujarat Credit Corporation Ltd's intrinsic value is ₹3.33, which is 87.80% lower than the current market price of ₹27.30, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (6.47 %), book value (₹5.05), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Gujarat Credit Corporation Ltd?

Gujarat Credit Corporation Ltd is trading at ₹27.30 as of 25 April 2026, with a FY2026-2027 high of ₹38.4 and low of ₹22.0. The stock is currently in the middle of its 52-week range. Market cap stands at ₹68.3 Cr..

How does Gujarat Credit Corporation Ltd's P/E ratio compare to its industry?

Gujarat Credit Corporation Ltd has a P/E ratio of , which is below the industry average of 124.91. This is broadly in line with or below the industry average.

Is Gujarat Credit Corporation Ltd financially healthy?

Key indicators for Gujarat Credit Corporation Ltd: ROCE of 0.99 % is on the lower side compared to the industry average of 21.30%; ROE of 6.47 % is below ideal levels (industry average: 13.80%). Dividend yield is 0.00 %.

Is Gujarat Credit Corporation Ltd profitable and how is the profit trend?

Gujarat Credit Corporation Ltd reported a net profit of ₹-1 Cr in Mar 2025. Compared to ₹2 Cr in Mar 2022, the net profit shows a declining trend.

Does Gujarat Credit Corporation Ltd pay dividends?

Gujarat Credit Corporation Ltd has a dividend yield of 0.00 % at the current price of ₹27.30. The company is currently not paying meaningful dividends.