Goenka Business & Finance Intrinsic Value
GBFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹19.08 | ₹17.17 - ₹20.99 | +147.5% | Book Value/Share: ₹23.85, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹15.42 | ₹13.88 - ₹16.96 | +100.0% | Revenue/Share: ₹51.54, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹15.42 | ₹13.88 - ₹16.96 | +100.0% | EBITDA: ₹17.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹19.27 | ₹15.42 - ₹23.12 | +149.9% | CF Growth: 15.0%, Discount: 15% |
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Valuation Comparison Chart
GBFL Intrinsic Value Analysis
What is the intrinsic value of GBFL?
Based on our comprehensive analysis using 4 different valuation methods, the estimated intrinsic value of Goenka Business & Finance (GBFL) is ₹19.08 (median value). With the current market price of ₹7.71, this represents a +147.5% variance from our estimated fair value.
The valuation range spans from ₹15.42 to ₹19.27, indicating ₹15.42 - ₹19.27.
Is GBFL undervalued or overvalued?
Based on our multi-method analysis, Goenka Business & Finance (GBFL) appears to be trading below calculated value by approximately 147.5%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 6.42 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | -9.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 28.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.34x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Goenka Business & Finance
Additional stock information and data for GBFL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |