Gujarat Credit Corporation Limited (511441) fair value: what the stock is really worth
As of Oct 19, 2026: fair value (intrinsic value) of Gujarat Credit Corporation Limited stock ₹9.09, price ₹19.86, upside -54.2%, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 20, 2026.
How to read this chart
60‑month range ₹4.10 – ₹93.35 · fair‑value band ₹6.81 – ₹11.36 · the ₹19.86 price screens above the ₹9.09 fair value. Dashed = 300-day average. As of Oct 20, 2026.
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Gujarat Credit Corporation Limited operates as a real estate development company. The company engages in the development of a portfolio of commercial and residential projects in Gujarat. Its services include site acquisition, design and development, construction, marketing, and sale.
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The company was incorporated in 1993 and is based in Ahmedabad, India.
Stock analysis
Gujarat Credit Corporation Limited (511441) currently trades at ₹19.86, while our model-based Fair Value estimate is ₹9.09, 54.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹9.09 per share, and 0 of the 3 models we run sit above the ₹19.86 price.
Bear case: the Economic Profit group reads lowest at ₹2.73, and 3 of the 3 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹6.81 (bear) to ₹11.36 (bull), the price of ₹19.86 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Gujarat Credit Corporation Limited reported revenue of ₹0 in FY2026 versus ₹0 in FY2022. Reported net income was ₹824K in FY2026, compounding −51.6%/yr from FY2022.
Key figures
Market cap ₹134M (≈ $1.4M) Micro · P/E ratio 62.1 · P/S ratio 45.6 · EPS (TTM) ₹0.4130 · Return on assets (EBIT) −0.8% · Operating margin 28.0% · Revenue (TTM) ₹2.9M · Revenue growth (YoY) +33.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (low confidence).
What moves the price
The share trades about 41% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at −40% fair-value upside, at −54%, 511441 screens richer than that median.
Fair Value models
Bear₹6.81Fair Value ₹9.09Bull₹11.36
Price ₹19.86 · Upside -54.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹0.2297 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.2/100
Revenue growth is weak, negative or inconsistent.
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−1.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.1%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1.1% vs −5.7%, picking up
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Real Estate Development · 23 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Above median
Fair Value upside−54.2% · Bottom 25%
Profitability
Return on assets0.3% · Below median
Net margin (12 months)154.5% · Top 25%
Operating margin (12 months)28.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)33.3% · Top 25%
Balance sheet
Debt / equity1.64× · Highest 25%
Valuation Multiplesvs Real Estate Development median · lower = cheaper
P/E (12 months)62.1× · Pricier than median
P/B1.18× · Pricier than median
P/S (12 months)45.57× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 2
FUTURE (revenue growth)100· sector 1
PAST (return on equity)0· sector 21
HEALTH (low debt)18· sector 95
DIVIDEND (yield)0· sector 0
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Gujarat Credit Corporation Limited (511441) overvalued or undervalued?
As of Oct 20, 2026, our model estimates a fair value of ₹9.09 versus a price of ₹19.86, about −54% upside (overvalued).
What is the fair value of 511441?
Our model-based fair value for Gujarat Credit Corporation Limited is ₹9.09 (as of Oct 20, 2026), built from audited fundamentals. The current price: ₹19.86.
What is the quality score of 511441?
Gujarat Credit Corporation Limited has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Gujarat Credit Corporation Limited (511441)?
Our model-based price target is the fair value of ₹9.09 (as of Oct 20, 2026) from 3 valuation models. Cautious scenario ₹6.81, optimistic scenario ₹11.36. It is a calculation from audited fundamentals, not an analyst target.
What is the Gujarat Credit Corporation Limited stock forecast for 2026?
Our models put fair value at ₹9.09, about −54% upside versus a price of ₹19.86 (overvalued). Cautious scenario ₹6.81, optimistic scenario ₹11.36. The calculation is refreshed regularly with new filings.
What is the revenue of Gujarat Credit Corporation Limited (511441)?
Gujarat Credit Corporation Limited reported trailing-twelve-month revenue of about ₹2.9M (latest available figure, as of Oct 20, 2026).
What is the intrinsic value of Gujarat Credit Corporation Limited (511441)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gujarat Credit Corporation Limited it is ₹9.09 per share (as of Oct 20, 2026), against a price of ₹19.86. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Gujarat Credit Corporation Limited stock overvalued or undervalued in 2026?
As of Oct 20, 2026, 511441 trades above its calculated fair value: price ₹19.86, fair value ₹9.09, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 511441?
No. The price is what the market pays today (₹19.86); the fair value is what the company's own numbers justify (₹9.09). For Gujarat Credit Corporation Limited the two are ₹10.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gujarat Credit Corporation Limited worth?
The market values Gujarat Credit Corporation Limited at about ₹134M (market capitalisation, as of Oct 20, 2026). Per share that is ₹19.86; our models calculate a fair value of ₹9.09 per share.
What do the bullish and bearish scenarios say about 511441?
Our models span a range for Gujarat Credit Corporation Limited: cautious scenario ₹6.81, base ₹9.09, optimistic ₹11.36 per share (as of Oct 20, 2026, price ₹19.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 511441?
Gujarat Credit Corporation Limited trades at a price-to-earnings ratio of 62.1 (as of Oct 20, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹9.09 is built from several models across several years. Other multiples: P/B 1.2, P/S 45.6.
How solid is the balance sheet of Gujarat Credit Corporation Limited (511441)?
Balance-sheet figures for Gujarat Credit Corporation Limited (as of Oct 20, 2026): debt of 1.64 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 511441 from its 52-week high?
Gujarat Credit Corporation Limited trades at ₹19.86, about 41% below its 52-week high of ₹33.49 and at the low of ₹19.86 (as of Oct 19, 2026). Distance from the high says nothing about value: that is what the fair value of ₹9.09 is for.
Which stocks are comparable to Gujarat Credit Corporation Limited?
From the same area (Financial) we also value BRRL, MODIS, SHRADDHA, HAZOOR, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Gujarat Credit Corporation Limited stock attractive at the current price?
The data as of Oct 20, 2026: price ₹19.86, calculated fair value ₹9.09 (−54%), Quality Score 52/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 511441 calculated?
We run Gujarat Credit Corporation Limited through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹9.09, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. Gujarat Credit Corporation Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Gujarat Credit Corporation Limited (511441)?
The closing price on Oct 19, 2026 was ₹19.86. Our model-based fair value is ₹9.09, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gujarat Credit Corporation Limited right now?
The price sits above even our optimistic bull case (₹11.36). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Gujarat Credit Corporation Limited
How large is the market capitalisation of Gujarat Credit Corporation Limited (511441)?
The market capitalisation of Gujarat Credit Corporation Limited is ₹134M (≈ $1.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Gujarat Credit Corporation Limited (511441)?
The price-to-sales ratio of Gujarat Credit Corporation Limited is 45.6 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gujarat Credit Corporation Limited (511441)?
Earnings per share at Gujarat Credit Corporation Limited are ₹0.4130 (price ÷ EPS = P/E 62.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the EBIT return on assets of Gujarat Credit Corporation Limited (511441)?
On an EBIT basis the return on assets of Gujarat Credit Corporation Limited is −0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Gujarat Credit Corporation Limited (511441)?
The operating margin of Gujarat Credit Corporation Limited is 28.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gujarat Credit Corporation Limited (511441)?
Revenue at Gujarat Credit Corporation Limited is growing +33.3% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Gujarat Credit Corporation Limited (511441) generate?
The free cash flow of Gujarat Credit Corporation Limited is −₹62.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Gujarat Credit Corporation Limited (511441) carry?
The net debt of Gujarat Credit Corporation Limited is ₹187M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 20, 2026