Gujarat State Financial Corp Intrinsic Value
Gujarat State Financial Corp (GUJSTATFIN) median intrinsic value is ₹7.45 from 2 valuation models (range ₹3–₹7), vs current price ₹9.72 — -23.4% downside (Trading Above Calculated Value), margin of safety -30.5%. Read GUJSTATFIN dividend growth for the complete payout history and dividend yield track record.
GUJSTATFIN Valuation Methods Summary — DCF, Graham Number & P/E
Gujarat State Financial Corp intrinsic value across 2 models vs current price ₹9.72 — upside/downside and value range per method. Compare with Gujarat State Financial Corp value estimation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Revenue Multiple Method | revenue | ₹2.92 | ₹2.63 - ₹3.21 | -70.0% | Revenue/Share: ₹1.81, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹7.45 | ₹6.71 - ₹8.20 | -23.4% | EBITDA: ₹14.00Cr, EV/EBITDA: 5x |
GUJSTATFIN Intrinsic Value vs Market Price — All Valuation Models
Gujarat State Financial Corp fair value range ₹3–₹7 vs current market price ₹9.72 across 2 valuation models. For current market price and key ratios, visit GUJSTATFIN stock price BSE.
GUJSTATFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Gujarat State Financial Corp median intrinsic value ₹7.45, current price ₹9.72 — Trading Above Calculated Value by 23.4%, margin of safety -30.5%.
What is the intrinsic value of GUJSTATFIN?
Based on our comprehensive analysis using 2 different valuation methods, the estimated intrinsic value of Gujarat State Financial Corp (GUJSTATFIN) is ₹7.45 (median value). With the current market price of ₹9.72, this represents a -23.4% variance from our estimated fair value.
The valuation range spans from ₹2.92 to ₹7.45, indicating ₹2.92 - ₹7.45.
Is GUJSTATFIN undervalued or overvalued?
Based on our multi-method analysis, Gujarat State Financial Corp (GUJSTATFIN) appears to be trading above calculated value by approximately 23.4%.
GUJSTATFIN Financial Health — Key Ratios vs Industry Benchmarks
Gujarat State Financial Corp 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 | 3.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -294.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.07x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
GUJSTATFIN Cash Flow Quality — Operating & Free Cash Flow
Gujarat State Financial Corp 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 | ₹-17 Cr | ₹-17 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-14 Cr | ₹-14 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-12 Cr | ₹-12 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-8 Cr | ₹-8 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-14 Cr | ₹-14 Cr | Negative Cash Flow | 3/10 |