Gujarat Lease Financing Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 3, 2025, 1:24 am

Market Cap	10.9 Cr.
Current Price	5.11
High / Low	10.9/3.99
Stock P/E	219
Book Value	1.53
Dividend Yield	0.00 %
ROCE	1.55 %
ROE	%
Face Value	10.0
PEG Ratio	77.26

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Gujarat Lease Financing Ltd

Competitors of Gujarat Lease Financing Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
MKVentures Capital Ltd	567 Cr.	1,474	2,800/1,212	27.5	267	0.07 %	20.6 %	33.6 %	10.0
Modern Shares & Stockbrokers Ltd	14.6 Cr.	49.8	69.4/36.0	41.7	43.9	0.00 %	4.33 %	3.24 %	10.0
Monarch Networth Capital Ltd	2,644 Cr.	337	501/226	17.0	93.0	0.15 %	51.8 %	43.4 %	10.0
Monotype India Ltd	51.3 Cr.	0.73	2.42/0.60	6.42	0.13	0.00 %	438 %	%	1.00
Multipurpose Trading & Agencies Ltd	5.10 Cr.	10.3	13.3/7.93	26.8	10.2	0.00 %	4.44 %	3.91 %	10.0
Industry Average	6,854.22 Cr	1,387.69		86.07	5,208.09	0.37%	18.65%	17.36%	7.36

All Competitor Stocks of Gujarat Lease Financing Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
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	0.04	0.08	0.17	0.04	0.06	0.07	0.16	0.11	0.05	0.06	0.16	0.09	0.06
Operating Profit	-0.04	-0.08	-0.17	-0.04	-0.06	-0.07	-0.16	-0.11	-0.05	-0.06	-0.16	-0.09	-0.06
OPM %
Other Income	0.07	0.07	0.07	0.07	0.07	0.33	0.10	0.10	0.17	0.10	0.10	0.11	0.11
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	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.02	-0.02	-0.11	0.02	0.01	0.26	-0.06	-0.01	0.12	0.04	-0.06	0.02	0.05
Tax %	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%
Net Profit	0.02	-0.02	-0.10	0.02	0.01	0.26	-0.06	-0.01	0.12	0.04	-0.06	0.02	0.05
EPS in Rs	0.01	-0.01	-0.04	0.01	0.00	0.10	-0.02	-0.00	0.04	0.01	-0.02	0.01	0.02

Last Updated: February 28, 2025, 7:38 pm

Below is a detailed analysis of the quarterly data for Gujarat Lease Financing Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Expenses, as of Dec 2024, the value is ₹0.06 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.09 Cr. (Sep 2024) to ₹0.06 Cr., marking a decrease of 0.03 Cr..
For Operating Profit, as of Dec 2024, the value is ₹-0.06 Cr.. The value appears strong and on an upward trend. It has increased from -0.09 Cr. (Sep 2024) to ₹-0.06 Cr., marking an increase of 0.03 Cr..
For OPM %, as of Dec 2024, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00%.
For Other Income, as of Dec 2024, the value is ₹0.11 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.11 Cr..
For Interest, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.02 Cr. (Sep 2024) to ₹0.05 Cr., marking an increase of 0.03 Cr..
For Tax %, as of Dec 2024, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00%.
For Net Profit, as of Dec 2024, the value is ₹0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.02 Cr. (Sep 2024) to ₹0.05 Cr., marking an increase of 0.03 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.02. The value appears strong and on an upward trend. It has increased from 0.01 (Sep 2024) to 0.02, marking an increase of 0.01.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:07 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	0.02	0.01	0.02	0.08	0.03	0.07	0.08	0.10	0.02	0.29	0.29	0.41	0.00
Expenses	0.17	0.13	0.22	0.38	0.28	0.42	0.57	0.56	0.34	0.35	0.34	0.39	0.37
Operating Profit	-0.15	-0.12	-0.20	-0.30	-0.25	-0.35	-0.49	-0.46	-0.32	-0.06	-0.05	0.02	-0.37
OPM %	-750.00%	-1,200.00%	-1,000.00%	-375.00%	-833.33%	-500.00%	-612.50%	-460.00%	-1,600.00%	-20.69%	-17.24%	4.88%
Other Income	0.00	0.00	0.17	0.18	0.00	0.00	0.16	0.56	0.00	0.00	0.25	0.07	0.42
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00
Depreciation	0.02	0.02	0.04	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.00	0.00
Profit before tax	-0.17	-0.14	-0.07	-0.15	-0.27	-0.37	-0.35	0.07	-0.34	-0.08	0.19	0.09	0.05
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.57%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Profit	-0.17	-0.13	-0.07	-0.15	-0.27	-0.37	-0.38	0.07	-0.35	-0.08	0.19	0.09	0.05
EPS in Rs	-0.06	-0.05	-0.03	-0.06	-0.10	-0.14	-0.14	0.03	-0.13	-0.03	0.07	0.03	0.02
Dividend Payout %	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 & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	23.53%	46.15%	-114.29%	-80.00%	-37.04%	-2.70%	118.42%	-600.00%	77.14%	337.50%	-52.63%
Change in YoY Net Profit Growth (%)	0.00%	22.62%	-160.44%	34.29%	42.96%	34.33%	121.12%	-718.42%	677.14%	260.36%	-390.13%

Gujarat Lease Financing Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	45%
5 Years:	39%
3 Years:	174%
TTM:	41%

Compounded Profit Growth
10 Years:	10%
5 Years:	17%
3 Years:	31%
TTM:	-84%

Stock Price CAGR
10 Years:	10%
5 Years:	33%
3 Years:	18%
1 Year:	-42%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 11:37 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16	27.16
Reserves	-56.40	-56.54	-56.61	-56.76	-44.52	-34.53	-33.38	-33.86	-31.51	-31.58	-31.40	-31.28	-31.30
Borrowings	33.32	33.44	33.29	33.27	33.24	15.00	15.00	10.00	10.00	10.00	10.00	10.00	10.00
Other Liabilities	7.88	7.86	8.24	8.20	0.43	0.56	0.58	0.35	0.34	0.36	0.37	0.40	0.43
Total Liabilities	11.96	11.92	12.08	11.87	16.31	8.19	9.36	3.65	5.99	5.94	6.13	6.28	6.29
Fixed Assets	0.56	0.54	0.30	0.17	0.14	0.12	0.10	0.07	0.05	0.02	0.01	0.01	0.01
CWIP	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
Investments	11.21	11.21	11.21	11.54	15.96	7.63	9.05	3.33	0.01	0.01	0.01	0.11	0.13
Other Assets	0.19	0.17	0.57	0.16	0.21	0.44	0.21	0.25	5.93	5.91	6.11	6.16	6.15
Total Assets	11.96	11.92	12.08	11.87	16.31	8.19	9.36	3.65	5.99	5.94	6.13	6.28	6.29

Below is a detailed analysis of the balance sheet data for Gujarat Lease Financing Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹27.16 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 27.16 Cr..
For Reserves, as of Sep 2024, the value is ₹-31.30 Cr.. The value appears to be worsening (becoming more negative). It has deteriorated from -31.28 Cr. (Mar 2024) to ₹-31.30 Cr., marking a decline of 0.02 Cr..
For Borrowings, as of Sep 2024, the value is ₹10.00 Cr.. The value remains steady. However, Reserves are negative, which is a major warning sign. There is no change compared to the previous period (Mar 2024) which recorded 10.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹0.43 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.40 Cr. (Mar 2024) to ₹0.43 Cr., marking an increase of 0.03 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹6.29 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6.28 Cr. (Mar 2024) to ₹6.29 Cr., marking an increase of 0.01 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹0.01 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.01 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹0.13 Cr.. The value appears strong and on an upward trend. It has increased from 0.11 Cr. (Mar 2024) to ₹0.13 Cr., marking an increase of 0.02 Cr..
For Other Assets, as of Sep 2024, the value is ₹6.15 Cr.. The value appears to be declining and may need further review. It has decreased from 6.16 Cr. (Mar 2024) to ₹6.15 Cr., marking a decrease of 0.01 Cr..
For Total Assets, as of Sep 2024, the value is ₹6.29 Cr.. The value appears strong and on an upward trend. It has increased from 6.28 Cr. (Mar 2024) to ₹6.29 Cr., marking an increase of 0.01 Cr..

However, the Borrowings (10.00 Cr.) are higher than the Reserves (₹-31.30 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-0.14	-0.15	0.15	-0.31	-0.22	-0.34	-0.52	-0.59	-5.82	-0.34	0.19	-0.91
Cash from Investing Activity +	0.11	0.01	0.39	-0.06	0.24	0.50	0.39	5.64	6.05	0.29	0.28	0.40
Cash from Financing Activity +	0.04	0.12	-0.15	-0.02	-0.02	0.00	0.00	-5.00	0.00	0.00	0.00	0.00
Net Cash Flow	0.01	-0.02	0.39	-0.39	0.00	0.16	-0.13	0.06	0.23	-0.05	0.47	-0.51

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-33.47	-33.56	-33.49	-33.57	-33.49	-15.35	-15.49	-10.46	-10.32	-10.06	-10.05	-9.98

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 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Working Capital Days	-141,072.50	-278,860.00	-146,182.50	-36,636.88	-4,745.00	-2,555.00	-1,870.62	-1,168.00	-5,657.50	-390.17	-402.76	-275.98
ROCE %	-4.10%	-3.44%	-6.08%	-7.46%	-2.76%	-3.15%	-4.27%	1.32%	-7.60%	-1.42%	3.35%	1.55%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%
FIIs	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Public	54.32%	54.32%	54.32%	54.32%	54.32%	54.31%	54.31%	54.31%	54.32%	54.32%	54.32%	54.31%
No. of Shareholders	29,015	29,026	29,314	29,360	29,304	29,214	29,130	29,125	29,292	29,345	29,563	30,083

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 18	Mar 17	Mar 16	Mar 15	Mar 14
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-0.12	-0.11	-0.07	-0.04	0.02
Diluted EPS (Rs.)	-0.12	-0.11	-0.07	-0.04	0.02
Cash EPS (Rs.)	-0.11	-0.09	-0.06	-0.02	0.02
Book Value[Excl.RevalReserv]/Share (Rs.)	-2.68	-3.25	-8.12	-8.05	-8.00
Book Value[Incl.RevalReserv]/Share (Rs.)	-2.68	-3.25	-8.12	-8.05	-8.00
Revenue From Operations / Share (Rs.)	0.00	0.00	0.00	0.01	0.00
PBDIT / Share (Rs.)	-0.11	-0.09	-0.06	-0.02	0.02
PBIT / Share (Rs.)	-0.11	-0.10	-0.07	-0.04	0.01
PBT / Share (Rs.)	-0.11	-0.10	-0.07	-0.04	0.01
Net Profit / Share (Rs.)	-0.11	-0.10	-0.07	-0.04	0.01
NP After MI And SOA / Share (Rs.)	-0.11	-0.10	-0.07	-0.04	0.01
PBDIT Margin (%)	0.00	0.00	0.00	-203.47	0.00
PBIT Margin (%)	0.00	0.00	0.00	-315.24	0.00
PBT Margin (%)	0.00	0.00	0.00	-315.24	0.00
Net Profit Margin (%)	0.00	0.00	0.00	-320.85	0.00
NP After MI And SOA Margin (%)	0.00	0.00	0.00	-320.85	0.00
Return on Networth / Equity (%)	0.00	0.00	0.00	0.00	-0.20
Return on Capital Employeed (%)	-4.17	-4.65	2.85	1.77	-0.77
Return On Assets (%)	-3.93	-4.34	-17.03	-8.70	3.27
Long Term Debt / Equity (X)	-2.06	-1.70	-0.67	-0.68	-0.70
Total Debt / Equity (X)	-2.06	-1.70	-0.67	-0.68	-0.70
Current Ratio (X)	0.53	0.49	0.12	0.13	0.09
Quick Ratio (X)	0.53	0.49	0.10	0.11	0.07
Enterprise Value (Cr.)	19.29	27.20	21.16	19.90	17.91
EV / Net Operating Revenue (X)	0.00	0.00	0.00	532.06	0.00
EV / EBITDA (X)	-64.55	-103.57	-125.16	-261.48	266.96
MarketCap / Net Operating Revenue (X)	0.00	0.00	0.00	154.68	0.00
Price / BV (X)	-0.61	-1.39	-0.30	-0.26	-0.14
Price / Net Operating Revenue (X)	0.00	0.00	0.00	163.85	0.00
EarningsYield	-0.07	-0.02	-0.02	-0.02	0.01

After reviewing the key financial ratios for Gujarat Lease Financing Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 18, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 17) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 18, the value is -0.12. This value is below the healthy minimum of 5. It has decreased from -0.11 (Mar 17) to -0.12, marking a decrease of 0.01.
For Diluted EPS (Rs.), as of Mar 18, the value is -0.12. This value is below the healthy minimum of 5. It has decreased from -0.11 (Mar 17) to -0.12, marking a decrease of 0.01.
For Cash EPS (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 3. It has decreased from -0.09 (Mar 17) to -0.11, marking a decrease of 0.02.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 18, the value is -2.68. It has increased from -3.25 (Mar 17) to -2.68, marking an increase of 0.57.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 18, the value is -2.68. It has increased from -3.25 (Mar 17) to -2.68, marking an increase of 0.57.
For Revenue From Operations / Share (Rs.), as of Mar 18, the value is 0.00. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For PBDIT / Share (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 2. It has decreased from -0.09 (Mar 17) to -0.11, marking a decrease of 0.02.
For PBIT / Share (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 0. It has decreased from -0.10 (Mar 17) to -0.11, marking a decrease of 0.01.
For PBT / Share (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 0. It has decreased from -0.10 (Mar 17) to -0.11, marking a decrease of 0.01.
For Net Profit / Share (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 2. It has decreased from -0.10 (Mar 17) to -0.11, marking a decrease of 0.01.
For NP After MI And SOA / Share (Rs.), as of Mar 18, the value is -0.11. This value is below the healthy minimum of 2. It has decreased from -0.10 (Mar 17) to -0.11, marking a decrease of 0.01.
For PBDIT Margin (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 10. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For PBIT Margin (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 10. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For PBT Margin (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 10. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For Net Profit Margin (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For NP After MI And SOA Margin (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 8. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For Return on Networth / Equity (%), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 15. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For Return on Capital Employeed (%), as of Mar 18, the value is -4.17. This value is below the healthy minimum of 10. It has increased from -4.65 (Mar 17) to -4.17, marking an increase of 0.48.
For Return On Assets (%), as of Mar 18, the value is -3.93. This value is below the healthy minimum of 5. It has increased from -4.34 (Mar 17) to -3.93, marking an increase of 0.41.
For Long Term Debt / Equity (X), as of Mar 18, the value is -2.06. This value is below the healthy minimum of 0.2. It has decreased from -1.70 (Mar 17) to -2.06, marking a decrease of 0.36.
For Total Debt / Equity (X), as of Mar 18, the value is -2.06. This value is within the healthy range. It has decreased from -1.70 (Mar 17) to -2.06, marking a decrease of 0.36.
For Current Ratio (X), as of Mar 18, the value is 0.53. This value is below the healthy minimum of 1.5. It has increased from 0.49 (Mar 17) to 0.53, marking an increase of 0.04.
For Quick Ratio (X), as of Mar 18, the value is 0.53. This value is below the healthy minimum of 1. It has increased from 0.49 (Mar 17) to 0.53, marking an increase of 0.04.
For Enterprise Value (Cr.), as of Mar 18, the value is 19.29. It has decreased from 27.20 (Mar 17) to 19.29, marking a decrease of 7.91.
For EV / Net Operating Revenue (X), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For EV / EBITDA (X), as of Mar 18, the value is -64.55. This value is below the healthy minimum of 5. It has increased from -103.57 (Mar 17) to -64.55, marking an increase of 39.02.
For MarketCap / Net Operating Revenue (X), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For Price / BV (X), as of Mar 18, the value is -0.61. This value is below the healthy minimum of 1. It has increased from -1.39 (Mar 17) to -0.61, marking an increase of 0.78.
For Price / Net Operating Revenue (X), as of Mar 18, the value is 0.00. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 17) which recorded 0.00.
For EarningsYield, as of Mar 18, the value is -0.07. This value is below the healthy minimum of 5. It has decreased from -0.02 (Mar 17) to -0.07, marking a decrease of 0.05.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Gujarat Lease Financing Ltd as of April 3, 2025 is: 41.01

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 3, 2025, Gujarat Lease Financing Ltd is Undervalued by 702.54% compared to the current share price 5.11

Default values used*: Default value of 15% for ROE is used

Intrinsic Value of Gujarat Lease Financing Ltd as of April 3, 2025 is: 42.17

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 3, 2025, Gujarat Lease Financing Ltd is Undervalued by 725.24% compared to the current share price 5.11

Default values used*: Default value of 15% for ROE is used

Last 5 Year EPS CAGR: 2.83%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -140.24, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign.	The stock has a low average ROCE of -2.84%, which may not be favorable. The company has higher borrowings (19.74) compared to reserves (-40.74), which may suggest financial risk. The company has not shown consistent growth in sales (0.11) and profit (-0.12).

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 Lease Financing Ltd:
1. 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.
2. ROCE: -4.17% (Industry Average ROCE: 18.65%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 17.36%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 0
  - 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.
5. Quick Ratio: 0.53
  - 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.
6. Stock P/E: 219 (Industry average Stock P/E: 86.07)
  - 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.
7. Total Debt / Equity: -2.06
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Gujarat Lease Financing Ltd. is a Public Limited Listed company incorporated on 13/07/1983 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L65990GJ1983PLC006345 and registration number is 006345. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 0.00 Cr. and Equity Capital is Rs. 27.16 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	6th Floor, Hasubhai Chambers, Ahmedabad Gujarat 380006	glflho_ahm@yahoo.co.in http://www.gujaratleasefinancing.co.in

Management
Name	Position Held
Mr. Animesh Mehta	Chairman
Mr. Saurabh Mashruwala	Director
Mr. Leena Katdare	Director
Mr. Narayan Meghani	Director
Mr. Luna Pal	Director
Mr. Raghuveer Parakh	Director

FAQ

What is the intrinsic value of Gujarat Lease Financing Ltd?

Gujarat Lease Financing Ltd's intrinsic value (as of 03 April 2025) is ₹41.01 — 702.54% higher the current market price of ₹5.11, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 10.9 Cr. market cap, FY2025-2026 high/low of ₹10.9/3.99, reserves of -31.30 Cr, and liabilities of 6.29 Cr.

What is the Market Cap of Gujarat Lease Financing Ltd?

The Market Cap of Gujarat Lease Financing Ltd is 10.9 Cr..

What is the current Stock Price of Gujarat Lease Financing Ltd as on 03 April 2025?

The current stock price of Gujarat Lease Financing Ltd as on 03 April 2025 is 5.11.

What is the High / Low of Gujarat Lease Financing Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Gujarat Lease Financing Ltd stocks is ₹10.9/3.99.

What is the Stock P/E of Gujarat Lease Financing Ltd?

The Stock P/E of Gujarat Lease Financing Ltd is 219.

What is the Book Value of Gujarat Lease Financing Ltd?

The Book Value of Gujarat Lease Financing Ltd is 1.53.

What is the Dividend Yield of Gujarat Lease Financing Ltd?

The Dividend Yield of Gujarat Lease Financing Ltd is 0.00 %.

What is the ROCE of Gujarat Lease Financing Ltd?

The ROCE of Gujarat Lease Financing Ltd is 1.55 %.

What is the ROE of Gujarat Lease Financing Ltd?

The ROE of Gujarat Lease Financing Ltd is %.

What is the Face Value of Gujarat Lease Financing Ltd?

The Face Value of Gujarat Lease Financing Ltd is 10.0.