Goenka Business & Finance Intrinsic Value
Goenka Business & Finance (GBFL) median intrinsic value is ₹18.90 from 8 valuation models (range ₹6–₹24), vs current price ₹9.45 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Browse GBFL cash flow statement for revenue, profit, balance sheet and cash flow data.
GBFL Valuation Methods Summary — DCF, Graham Number & P/E
Goenka Business & Finance intrinsic value across 8 models vs current price ₹9.45 — upside/downside and value range per method. For current market price and key ratios, visit GBFL share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹9.60 | ₹7.68 - ₹11.52 | +1.6% | EPS: ₹0.80, Sector P/E: 12x |
| Book Value Method | asset | ₹19.08 | ₹17.17 - ₹20.99 | +101.9% | Book Value/Share: ₹23.85, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹18.90 | ₹17.01 - ₹20.79 | +100.0% | Revenue/Share: ₹106.92, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹18.90 | ₹17.01 - ₹20.79 | +100.0% | EBITDA: ₹23.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.62 | ₹18.90 - ₹28.34 | +149.9% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹12.80 | ₹11.52 - ₹14.08 | +35.4% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹6.40 | ₹5.76 - ₹7.04 | -32.3% | Revenue Growth: -30.0%, Adj P/E: 8.0x |
| Graham Defensive Method | conservative | ₹20.72 | ₹18.65 - ₹22.79 | +119.3% | EPS: ₹0.80, BVPS: ₹23.85 |
GBFL Intrinsic Value vs Market Price — All Valuation Models
Goenka Business & Finance fair value range ₹6–₹24 vs current market price ₹9.45 across 8 valuation models. Also explore GBFL share price history to track price trends across different timeframes.
GBFL Intrinsic Value Analysis — Undervalued or Overvalued?
Goenka Business & Finance median intrinsic value ₹18.90, current price ₹9.45 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of GBFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Goenka Business & Finance (GBFL) is ₹18.90 (median value). With the current market price of ₹9.45, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹6.40 to ₹23.62, indicating ₹6.40 - ₹23.62.
Is GBFL undervalued or overvalued?
Based on our multi-method analysis, Goenka Business & Finance (GBFL) appears to be trading below calculated value by approximately 100.0%.
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 | 3.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 24.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.70x | Industry Standard: 1.0x+ | Above 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 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 |