Gujarat Credit Intrinsic Value
Gujarat Credit (GUJCRED) median intrinsic value is ₹27.69 from 6 valuation models (range ₹12–₹46), vs current price ₹23.05 — +20.1% upside (Trading Below Calculated Value), margin of safety 16.8%. Analyse GUJCRED shareholder distribution to track promoter, FII and institutional holdings.
GUJCRED Valuation Methods Summary — DCF, Graham Number & P/E
Gujarat Credit intrinsic value across 6 models vs current price ₹23.05 — upside/downside and value range per method. For current market price and key ratios, visit GUJCRED stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹28.32 | ₹22.66 - ₹33.98 | +22.9% | EPS: ₹2.36, Sector P/E: 12x |
| Book Value Method | asset | ₹11.56 | ₹10.40 - ₹12.72 | -49.8% | Book Value/Share: ₹14.44, P/B: 0.8x |
| PEG Ratio Method | growth | ₹15.10 | ₹13.59 - ₹16.61 | -34.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹19.45 | ₹17.50 - ₹21.39 | -15.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹46.10 | ₹41.49 - ₹50.71 | +100.0% | ROE: 30.8%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹27.69 | ₹24.92 - ₹30.46 | +20.1% | EPS: ₹2.36, BVPS: ₹14.44 |
GUJCRED Intrinsic Value vs Market Price — All Valuation Models
Gujarat Credit fair value range ₹12–₹46 vs current market price ₹23.05 across 6 valuation models. Read GUJCRED dividend track record for the complete payout history and dividend yield track record.
GUJCRED Intrinsic Value Analysis — Undervalued or Overvalued?
Gujarat Credit median intrinsic value ₹27.69, current price ₹23.05 — Trading Below Calculated Value by 20.1%, margin of safety 16.8%.
What is the intrinsic value of GUJCRED?
Based on our comprehensive analysis using 6 different valuation methods, the estimated intrinsic value of Gujarat Credit (GUJCRED) is ₹27.69 (median value). With the current market price of ₹23.05, this represents a +20.1% variance from our estimated fair value.
The valuation range spans from ₹11.56 to ₹46.10, indicating ₹11.56 - ₹46.10.
Is GUJCRED undervalued or overvalued?
Based on our multi-method analysis, Gujarat Credit (GUJCRED) appears to be trading below calculated value by approximately 20.1%.
GUJCRED Financial Health — Key Ratios vs Industry Benchmarks
Gujarat Credit 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 | 30.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
GUJCRED Cash Flow Quality — Operating & Free Cash Flow
Gujarat Credit 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 | ₹6 Cr | ₹6 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹0 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |