Goenka Business & Finance Intrinsic Value
Goenka Business & Finance intrinsic value. Goenka Business & Finance (GBFL) median intrinsic value is ₹34.38 from 9 valuation models (range ₹22–₹41), vs current price ₹13.75 — +150.0% upside (Trading Below Calculated Value), margin of safety 60.0%. For current market price and key ratios, visit GBFL share price screener.
GBFL Valuation Methods Summary — DCF, Graham Number & P/E
Goenka Business & Finance intrinsic value across 9 models vs current price ₹13.75 — upside/downside and value range per method. Compare with Goenka Business & Finance value estimation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹41.25 | ₹33.00 - ₹49.50 | +200.0% | EPS: ₹5.30, Sector P/E: 12x |
| Book Value Method | asset | ₹22.15 | ₹19.93 - ₹24.37 | +61.1% | Book Value/Share: ₹27.69, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹27.50 | ₹24.75 - ₹30.25 | +100.0% | Revenue/Share: ₹133.85, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹27.50 | ₹24.75 - ₹30.25 | +100.0% | EBITDA: ₹33.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹34.38 | ₹27.50 - ₹41.26 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹41.25 | ₹37.12 - ₹45.38 | +200.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹41.25 | ₹37.12 - ₹45.38 | +200.0% | Revenue Growth: -8.6%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹27.50 | ₹24.75 - ₹30.25 | +100.0% | ROE: 13.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹41.25 | ₹37.12 - ₹45.38 | +200.0% | EPS: ₹5.30, BVPS: ₹27.69 |
GBFL Intrinsic Value vs Market Price — All Valuation Models
Goenka Business & Finance fair value range ₹22–₹41 vs current market price ₹13.75 across 9 valuation models. Read GBFL ex-dividend dates for the complete payout history and dividend yield track record.
GBFL Intrinsic Value Analysis — Undervalued or Overvalued?
Goenka Business & Finance median intrinsic value ₹34.38, current price ₹13.75 — Trading Below Calculated Value by 150.0%, margin of safety 60.0%.
What is the intrinsic value of GBFL?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Goenka Business & Finance (GBFL) is ₹34.38 (median value). With the current market price of ₹13.75, this represents a +150.0% variance from our estimated fair value.
The valuation range spans from ₹22.15 to ₹41.25, indicating ₹22.15 - ₹41.25.
Is GBFL undervalued or overvalued?
Based on our multi-method analysis, Goenka Business & Finance (GBFL) appears to be trading below calculated value by approximately 150.0%.
GBFL Financial Health — Key Ratios vs Industry Benchmarks
Goenka Business & Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 13.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 22.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.44x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
GBFL Cash Flow Quality — Operating & Free Cash Flow
Goenka Business & Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹9 Cr | ₹6 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹-1 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-6 Cr | ₹-6 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹7 Cr | ₹7 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-10 Cr | ₹-10 Cr | Negative Cash Flow | 3/10 |