GSB Finance Intrinsic Value
GSB Finance intrinsic value. GSB Finance (GSBFIN) median intrinsic value is ₹14.44 from 7 valuation models (range ₹14–₹19), vs current price ₹48.15 — -70.0% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit GSB Finance share price today.
GSBFIN Valuation Methods Summary — DCF, Graham Number & P/E
GSB Finance intrinsic value across 7 models vs current price ₹48.15 — upside/downside and value range per method. Compare with GSB Finance valuation methods to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹14.44 | ₹11.55 - ₹17.33 | -70.0% | EPS: ₹0.30, Sector P/E: 12x |
| Book Value Method | asset | ₹18.67 | ₹16.80 - ₹20.54 | -61.2% | Book Value/Share: ₹23.33, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹14.44 | ₹13.00 - ₹15.88 | -70.0% | Revenue/Share: ₹3.33, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹19.26 | ₹17.33 - ₹21.19 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹14.44 | ₹13.00 - ₹15.88 | -70.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹14.44 | ₹13.00 - ₹15.88 | -70.0% | Revenue Growth: -9.6%, Adj P/E: 8.0x |
| Graham Defensive Method | conservative | ₹14.44 | ₹13.00 - ₹15.88 | -70.0% | EPS: ₹0.30, BVPS: ₹23.33 |
GSBFIN Intrinsic Value vs Market Price — All Valuation Models
GSB Finance fair value range ₹14–₹19 vs current market price ₹48.15 across 7 valuation models. Read GSBFIN dividend track record for the complete payout history and dividend yield track record.
GSBFIN Intrinsic Value Analysis — Undervalued or Overvalued?
GSB Finance median intrinsic value ₹14.44, current price ₹48.15 — Trading Above Calculated Value by 70.0%, margin of safety -100.0%.
What is the intrinsic value of GSBFIN?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of GSB Finance (GSBFIN) is ₹14.44 (median value). With the current market price of ₹48.15, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹14.44 to ₹19.26, indicating ₹14.44 - ₹19.26.
Is GSBFIN undervalued or overvalued?
Based on our multi-method analysis, GSB Finance (GSBFIN) appears to be trading above calculated value by approximately 70.0%.
GSBFIN Financial Health — Key Ratios vs Industry Benchmarks
GSB 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 |
|---|---|---|---|---|
| Operating Margin | 16.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
GSBFIN Cash Flow Quality — Operating & Free Cash Flow
GSB 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 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹7 Cr | ₹7 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-2 Cr | ₹-2 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-2 Cr | ₹-2 Cr | Negative Cash Flow | 3/10 |