Goenka Business & Finance Ltd (GBFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹135M
Fair value as of: Aug 19, 2026
From 10 valuation models · updated yesterday
Fair value updated Aug 19, 2026, revised from ₹19.06 to ₹19.30 (+1.3%) since Aug 13, 2026.
A solid business, screening 109% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹14.48). The market is more pessimistic than our downside scenario.
- Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range ₹2.46 – ₹23.28 · fair‑value band ₹14.48 – ₹24.13 · the ₹9.25 price screens below the ₹19.30 fair value. Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Goenka Business & Finance Ltd (GBFL) currently trades at ₹9.25, while our model-based Fair Value estimate is ₹19.30, implying the stock looks roughly 108.7% undervalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Goenka Business & Finance Ltd generated revenue of ₹1.6B at a net margin of 2.9%. Revenue grew 151.7% year over year. It earns a return on equity of 13.7%. The stock trades on a trailing P/E of 2.6. Fundamentals as of Aug 19, 2026
Our scenario range runs from ₹14.48 (bear case) to ₹24.13 (bull case); at ₹9.25, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 28% below its 52-week high and 53% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -19% fair-value upside, at 109%, GBFL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 10 models by family
Widest divergence: Growth DCF (₹127.97) versus Asset-Based (₹18.55). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 42
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Goenka Business & Finance Limited operates as a non-banking finance company in India. The company offers loans and advances; and various financial services. It also engages in the derivatives business; and invests in and sells shares, bonds, and securities. Goenka Business & Finance Limited was incorporated in 1987 and is based in Ahmedabad, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Goenka Business & Finance Ltd reported revenue of ₹1.6B in FY2025 versus ₹14.2B in FY2021, a compound −42.3%/yr. Reported net income was ₹46.1M in FY2025, compounding +66.6%/yr from FY2021.
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Peer Group
Capital Markets · 435 stocks
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.
Valuation Multiples vs Capital Markets median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Mirae Asset Securities Co 006800 | 38,050 KRW | 18,009 KRW | -53% |
| Meritz Financial Group 138040 | 118,600 KRW | 52,717 KRW | -56% |
| Korea Investment Holdings 071050 | 200,500 KRW | 189,335 KRW | -6% |
| NH Investment & Securities Co 005940 | 28,550 KRW | 22,396 KRW | -22% |
| Samsung Securities Co 016360 | 93,100 KRW | 75,573 KRW | -19% |
| Kiwoom Securities Co 039490 | 299,000 KRW | 214,812 KRW | -28% |
| SSI Securities Corporation SSI | 19,400 VND | 17,375 VND | -10% |
| Bolsas y Mercados Argentinos S.A BYMA | 313.75 ARS | 294.30 ARS | -6% |
| Daishin Securities Co 003540 | 26,950 KRW | 48,790 KRW | +81% |
| SK Securities Co 001515 | 4,285 KRW | 1,395 KRW | -67% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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