Gujarat Lease Financing Ltd: Intrinsic Value & Share Price Analysis

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

Gujarat Lease Financing Ltd is trading at 6.95 as of 29 April 2026, with a FY2026-2027 high of 9.34 and low of 3.66. The stock is currently in the middle of its 52-week range. Market cap stands at 18.8 Cr..

Q: Is Gujarat Lease Financing Ltd financially healthy?

Key indicators: ROCE of 1.02 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Gujarat Lease Financing Ltd profitable and how is the profit trend?

Gujarat Lease Financing Ltd reported a net profit of 0 Cr in Mar 2025 on revenue of 0 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹87.05Undervalued by 1,152.52%vs CMP ₹6.95

P/E (471.0) × ROE (15.0%) × BV (₹1.51) × DY (2.00%)

Defaults: ROE=15%

₹36.18Undervalued by 420.58%vs CMP ₹6.95

MoS: +80.8% (Strong)Confidence: 44/100 (Low)Models: 1 Under, 3 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹87.91	41%	Under (+1164.9%)
Graham Number	Earnings	₹0.82	31%	Over (-88.2%)
Earnings Yield	Earnings	₹0.20	16%	Over (-97.1%)
Revenue Multiple	Revenue	₹0.16	12%	Over (-97.7%)
Consensus (4 models)		₹36.18	100%	Undervalued

Key Drivers: P/E of 471 makes PE-ROE unreliable — asset/earnings models are better benchmarks. | Wide model spread (₹0–₹88) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 1.0% · Defaults: ROE=15%

*Investments are subject to market risks

Analyst Summary

Gujarat Lease Financing Ltd operates in the Finance & Investments segment, NSE: GLFL | BSE: 500174, current market price is ₹6.95, market cap is 18.8 Cr.. At a glance, stock P/E is 471, ROE is %, ROCE is 1.02 %, book value is 1.51, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹36.18, which is about 420.6% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹0 Cr versus the prior period change of 2.4%, while latest net profit is about ₹0 Cr with a prior-period change of -33.3%. The 52-week range shown on this page is 9.34/3.66, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisGujarat 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)…

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

Investment Snapshot

Gujarat Lease Financing Ltd scores 45/100 (Average)

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

Stock Health38/100 · Weak

ROCE 1.0% WeakROE 0.0% WeakD/E -0.70 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money50/100 · Moderate

Promoter holding at 45.7% Stable

Earnings Quality65/100 · Strong

OPM expanding (-19% → 10%) Improving

Quarterly Momentum40/100 · Moderate

Profit (4Q): -20% YoY Declining

Industry Rank30/100 · Weak

P/E 471.0 vs industry 124.9 Premium to peersROCE 1.0% vs industry 21.3% Below peers3Y sales CAGR: 13% Moderate

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 25, 2026, 10:45 pm

Market Cap	18.8 Cr.
Current Price	6.95
Intrinsic Value	₹36.18
High / Low	9.34/3.66
Stock P/E	471
Book Value	1.51
Dividend Yield	0.00 %
ROCE	1.02 %
ROE	%
Face Value	10.0
PEG Ratio	480.33

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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Gujarat Lease Financing Ltd	18.8 Cr.	6.95	9.34/3.66	471	1.51	0.00 %	1.02 %	%	10.0
Goldline International Finvest Ltd	31.8 Cr.	0.61	/	289	1.03	0.00 %	0.13 %	0.13 %	1.00
Panafic Industrials Ltd	57.6 Cr.	1.17	1.30/0.50	231	0.20	0.00 %	0.34 %	0.30 %	1.00
Fundviser Capital (India) Ltd	263 Cr.	444	450/127	204	34.4	0.00 %	3.76 %	2.88 %	10.0
BITS Ltd	97.8 Cr.	8.74	18.7/6.45	175	1.83	0.00 %	1.09 %	1.09 %	2.00
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 Lease Financing 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	0.06	0.07	0.16	0.11	0.05	0.06	0.16	0.09	0.06	0.06	0.16	0.09	0.08
Operating Profit	-0.06	-0.07	-0.16	-0.11	-0.05	-0.06	-0.16	-0.09	-0.06	-0.06	-0.16	-0.09	-0.08
OPM %
Other Income	0.07	0.33	0.10	0.10	0.17	0.10	0.10	0.11	0.11	0.11	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	0.00	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	0.01	0.26	-0.06	-0.01	0.12	0.04	-0.06	0.02	0.05	0.05	-0.06	0.02	0.03
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	0.01	0.26	-0.06	-0.01	0.12	0.04	-0.06	0.02	0.05	0.05	-0.06	0.02	0.03
EPS in Rs	0.00	0.10	-0.02	-0.00	0.04	0.01	-0.02	0.01	0.02	0.02	-0.02	0.01	0.01

Last Updated: February 5, 2026, 6:39 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 7:46 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	0.01	0.02	0.08	0.03	0.07	0.08	0.10	0.02	0.29	0.29	0.41	0.42	0.00
Expenses	0.13	0.22	0.38	0.28	0.42	0.57	0.56	0.34	0.35	0.34	0.39	0.36	0.39
Operating Profit	-0.12	-0.20	-0.30	-0.25	-0.35	-0.49	-0.46	-0.32	-0.06	-0.05	0.02	0.06	-0.39
OPM %	-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%	14.29%
Other Income	-0.00	0.17	0.18	-0.00	-0.00	0.16	0.56	-0.00	-0.00	0.25	0.07	-0.00	0.43
Interest	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.01	-0.00	-0.00	-0.00	-0.00	-0.00	0.00
Depreciation	0.02	0.04	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.01	-0.00	-0.00	0.00
Profit before tax	-0.14	-0.07	-0.15	-0.27	-0.37	-0.35	0.07	-0.34	-0.08	0.19	0.09	0.06	0.04
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	8.57%	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%
Net Profit	-0.13	-0.07	-0.15	-0.27	-0.37	-0.38	0.07	-0.35	-0.08	0.19	0.09	0.06	0.04
EPS in Rs	-0.05	-0.03	-0.06	-0.10	-0.14	-0.14	0.03	-0.13	-0.03	0.07	0.03	0.02	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	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	46.15%	-114.29%	-80.00%	-37.04%	-2.70%	118.42%	-600.00%	77.14%	337.50%	-52.63%	-33.33%
Change in YoY Net Profit Growth (%)	0.00%	-160.44%	34.29%	42.96%	34.33%	121.12%	-718.42%	677.14%	260.36%	-390.13%	19.30%

Gujarat Lease Financing Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	36%
5 Years:	33%
3 Years:	13%
TTM:	2%

Compounded Profit Growth
10 Years:	8%
5 Years:	-3%
3 Years:	40%
TTM:	-33%

Stock Price CAGR
10 Years:	16%
5 Years:	30%
3 Years:	27%
1 Year:	-21%

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

Last Updated: September 5, 2025, 5:35 am

Balance Sheet

Last Updated: December 4, 2025, 1:20 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
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	-56.54	-56.61	-56.76	-44.52	-34.53	-33.38	-33.86	-31.51	-31.58	-31.40	-31.28	-31.22	-31.25
Borrowings	33.44	33.29	33.27	33.24	15.00	15.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Other Liabilities	7.86	8.24	8.20	0.43	0.56	0.58	0.35	0.34	0.36	0.37	0.40	0.42	0.43
Total Liabilities	11.92	12.08	11.87	16.31	8.19	9.36	3.65	5.99	5.94	6.13	6.28	6.36	6.34
Fixed Assets	0.54	0.30	0.17	0.14	0.12	0.10	0.07	0.05	0.02	0.01	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	11.54	15.96	7.63	9.05	3.33	0.01	0.01	0.01	0.11	0.11	0.12
Other Assets	0.17	0.57	0.16	0.21	0.44	0.21	0.25	5.93	5.91	6.11	6.16	6.24	6.21
Total Assets	11.92	12.08	11.87	16.31	8.19	9.36	3.65	5.99	5.94	6.13	6.28	6.36	6.34

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-0.15	0.15	-0.31	-0.22	-0.34	-0.52	-0.59	-5.82	-0.34	0.19	-0.91	-0.38
Cash from Investing Activity +	0.01	0.39	-0.06	0.24	0.50	0.39	5.64	6.05	0.29	0.28	0.40	0.41
Cash from Financing Activity +	0.12	-0.15	-0.02	-0.02	-0.00	-0.00	-5.00	-0.00	-0.00	-0.00	-0.00	-0.00
Net Cash Flow	-0.02	0.39	-0.39	-0.00	0.16	-0.13	0.06	0.23	-0.05	0.47	-0.51	0.03
Free Cash Flow	-0.15	0.52	-0.07	-0.22	-0.34	-0.52	-0.59	-5.82	-0.34	0.19	-0.91	-0.38
CFO/OP	125%	100%	103%	88%	97%	106%	128%	1,819%	550%	-380%	-4,350%	-550%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-33.56	-33.49	-33.57	-33.49	-15.35	-15.49	-10.46	-10.32	-10.06	-10.05	-9.98	-9.94

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 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
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	-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	-225.95
ROCE %	-3.44%	-6.08%	-7.46%	-2.76%	-3.15%	-4.27%	1.32%	-7.60%	-1.42%	3.35%	1.55%	1.02%

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	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%	45.67%
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%	54.31%	54.31%	54.31%	54.32%	54.32%	54.32%	54.31%	54.32%	54.30%	54.31%	54.32%
No. of Shareholders	29,304	29,214	29,130	29,125	29,292	29,345	29,563	30,083	30,053	29,757	29,791	29,772

Shareholding Pattern Chart

No. of Shareholders

Gujarat Lease Financing Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	6th Floor, Hasubhai Chambers, Ahmedabad Gujarat 380006	Contact not found

Management
Name	Position Held
Mr. Animesh Mehta	Chairperson
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 and is it undervalued?

As of 29 April 2026, Gujarat Lease Financing Ltd's intrinsic value is ₹36.18, which is 420.58% higher than the current market price of ₹6.95, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (%), book value (₹1.51), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Gujarat Lease Financing Ltd?

Gujarat Lease Financing Ltd is trading at ₹6.95 as of 29 April 2026, with a FY2026-2027 high of ₹9.34 and low of ₹3.66. The stock is currently in the middle of its 52-week range. Market cap stands at ₹18.8 Cr..

How does Gujarat Lease Financing Ltd's P/E ratio compare to its industry?

Gujarat Lease Financing Ltd has a P/E ratio of 471, which is above the industry average of 124.91. This significantly elevated P/E suggests the market expects strong future growth, or the stock may be overpriced relative to current earnings.

Is Gujarat Lease Financing Ltd financially healthy?

Key indicators for Gujarat Lease Financing Ltd: ROCE of 1.02 % is on the lower side compared to the industry average of 21.30%; ROE of % is below ideal levels (industry average: 13.80%). Dividend yield is 0.00 %.

Is Gujarat Lease Financing Ltd profitable and how is the profit trend?

Gujarat Lease Financing Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹0 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Gujarat Lease Financing Ltd pay dividends?

Gujarat Lease Financing Ltd has a dividend yield of 0.00 % at the current price of ₹6.95. The company is currently not paying meaningful dividends.