Gujarat Credit Corporation Ltd - Stock Valuation and Financial Performance

BSE: 511441 | NSE: | Finance - NBFC | Small Cap

Guj Credit Corp. Share Price

40.71 -2.14 -4.99%
as on 12-Feb'25 09:23

DeciZen - make an informed investing decision on Guj Credit Corp.

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Gujarat Credit Corporation stock performance -
40.71 12.0042.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
0.00
Market Cap:
107.1 Cr.
52-wk low:
19.3
52-wk high:
79.8

Is Gujarat Credit Corporation Ltd an attractive stock to invest in?

1. Is Gujarat Credit Corporation Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Gujarat Credit Corporation Ltd is a below average quality company.

2. Is Gujarat Credit Corporation Ltd undervalued or overvalued?

The key valuation ratios of Gujarat Credit Corporation Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Gujarat Credit Corporation Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Gujarat Credit Corporation Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Guj Credit Corp.:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Gujarat Credit Corporation Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
0.10000000000
YoY Gr. Rt. %
--100%NANANANANANANANA-
Adj EPS (₹ )
-0.10.100.10.300.1000-0
YoY Gr. Rt. %
-NA-80%600%328.6%-86.7%50%-33.3%-75%100%-
BVPS (₹ )
12.512.512.212.412.512.512.613.213.213.211.7
YoY Gr. Rt. %
-0.4%-2.2%1%1.1%0.2%0.7%4.4%-0.1%0.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
-0.40.100.210.10.20.100.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-100%NANANA
Adj EPSNA-41.8%-30.7%100%
BVPS0.6%1.1%1.5%0.3%
Share Price 8.5% 31.1% -5% 36%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
-134.6000000000-INF
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
-1.10.40.10.62.40.30.50.30.10.1-0.1

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 0.00 CAGR in last 3 years

Net Profit has declined -30.66 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Gujarat Credit Corporation Ltd.

Standalone Consolidated
TTM EPS (₹) -0 0
TTM Sales (₹ Cr.) 0 0
BVPS (₹.) 11.7 12
Reserves (₹ Cr.) 4 5
P/BV 3.66 3.57
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 19.27 / 79.80
All Time Low / High (₹) 1.05 / 225.00
Market Cap (₹ Cr.) 107
Equity (₹ Cr.) 25
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income0 N/A0 N/A0 N/A0 N/A
Adj EPS (₹)0.04 -69.2-0.09 -5500.01 00.00 N/A
Net Profit Mgn %0.00 00.00 00.00 00.00 0

Management X-Ray of Guj Credit Corp.:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:31.61%Institutions:0%Non-Institutions:68.39%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%30%35%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Guj Credit Corp.

MRP
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MOS
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DP
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Base BVPS
spaceLock icon
DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Guj Credit Corp.

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 954.7 -4.1 (-0.4%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 107 -2.2 (-2%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 191.4 -6 (-3%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 983.7 -11.7 (-1.2%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 316.7 -9.9 (-3%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 174.1 2.5 (1.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 149 -2.2 (-1.5%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 676 -24.6 (-3.5%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 181.5 -2.8 (-1.5%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 91.5 -1.3 (-1.4%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0000100000
Interest Income0000000000
Other Income 0000100000
Expenditure 0000000000
Interest Expense 0000000000
Operating Expenses 0000000000
Provisions 0000000000
Exceptional Items 0000000000
Profit Before Tax 0000000000
Taxes 0000000000
Profit After Tax 0000000000
Adjusted EPS (₹)-0.10.10.00.10.30.00.10.00.00.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital11111212131313111111
Share Capital 991010101010999
Reserves 2222333333
Minority Interest0000000000
Long Term Borrowings19191818171717171919
Current Liabilities 0000000000
Trade Payables0000000000
Short term borrowings0000000000
Other Liabilities0000000222
Total Liabilities 30303030303030303132

Assets

Non Current Asset 30303030303030303131
Loan Asset 0000000000
Other Non Current Asset 30303030303030303131
Current Asset 0000000010
Current Investment0000000000
Other Current Asset0000000010
Total Assets 30303030303030303132

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 00200000000
Cash Flow From Investing Activity 00-2000000-10
Cash Flow From Financing Activity 0-100000010
Net Cash Flow 0000000000
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)12131212121313131313

Performance Ratios

ROA (%)-0.40.10.00.21.00.10.20.10.00.1
ROE (%)-1.10.40.10.62.40.30.50.30.10.1
ROCE (%)-0.20.20.10.21.30.20.30.20.10.1

Valuation Parameters

Price/Book(x)1.50.01.51.20.80.80.33.81.51.5

Gujarat Credit Corporation Ltd Stock News

Gujarat Credit Corporation Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Guj Credit Corp. on 12-Feb-2025 09:23 is ₹40.71.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Feb-2025 09:23 the market cap of Guj Credit Corp. stood at ₹107.1.
The latest P/E ratio of Guj Credit Corp. as of 12-Feb-2025 09:23 is 0.00.
The latest P/B ratio of Guj Credit Corp. as of 12-Feb-2025 09:23 is 3.66.
The 52-week high of Guj Credit Corp. is ₹79.80 and the 52-week low is ₹19.27.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Guj Credit Corp. is ₹0.00 ( Cr.) .

About Gujarat Credit Corporation Ltd

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