GemLife Communities Group (GLF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of GemLife Communities Group stock A$0.82, price A$4.00, that is 79.4% below the price, quality 36 out of 100. Rating: strongly overvalued. Calculated from audited financials with 16 of our 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. As of Nov 6, 2026.
How to read this chart
16‑month range A$3.88 – A$5.34 · fair‑value band A$0.4845 – A$1.51 · the A$4.00 price screens above the A$0.8245 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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GemLife Communities Group operates as a developer, builder, owner, and operator in land lease community sector in Australia. It operates in two segments, Development and Community Operations. The company develops land and sells home on behalf of the landowner.
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It also operates the community which involves the maintenance of the common areas such as the clubhouse, managers residence, gardening and landscaping. In addition, it provides resort-style communities that are designed to support quality, active, and socially engaged lifestyle for homeowners.
Further, the company offers recreational and leisure facilities to support community-oriented living. GemLife Communities Group was incorporated in 2015 and is based in Helensvale, Australia.
Stock analysis
GemLife Communities Group (GLF) currently trades at A$4.00, while our model-based Fair Value estimate is A$0.8245, 79% 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 A$2.15 per share, and 0 of the 16 models we run sit above the A$4.00 price.
Bear case: the Dividend Discount group reads lowest at A$0.1250, and 16 of the 16 models stay below the price. Data coverage for this calculation is medium.
Scenario range: A$0.4845 (bear) to A$1.51 (bull), the price of A$4.00 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 36/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
GemLife Communities Group reported revenue of A$281M in FY2025 versus A$138M in FY2022, a compound +26.8%/yr. Reported net income was A$48.2M in FY2025, compounding −1.9%/yr from FY2022.
Key figures
Market cap A$1.5B (≈ $1.0B) Small · P/E ratio 23.5 · P/S ratio 4.09 · EPS (TTM) A$0.1700 · Dividend yield 0.3% · Net margin 18.8% · Return on equity 12.9% · Return on assets (EBIT) 6.8% (4-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 33% fair-value upside, at −79%, GLF screens richer than that median.
Fair Value models
BearA$0.4845Fair Value A$0.8245BullA$1.51
Price A$4.00 · Downside -79.4%
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 2025 figures (about 10 months old). Earnings retained since then (A$0.1359 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.
Best data coverage
FCF DCFn/aA$0.6800A$1.9574
Growth DCFn/aA$0.5400A$1.5572
Residual IncomeA$0.6900A$0.9700A$1.7869
All 16 models by family
DCF Models
FCF DCFn/aA$0.6800A$1.9574
5Y Revenue ExitA$0.5100A$2.07A$4.2463
5Y EBITDA ExitA$1.02A$3.14A$5.8867
10Y Revenue ExitA$0.1900A$1.51A$3.6655
10Y EBITDA ExitA$0.5700A$2.24A$4.9559
Dividend Discount
Gordon GGMA$0.0700A$0.1300A$0.180065
DDM Multi-StageA$0.0700A$0.1200A$0.140064
Multiples
P/S MultipleA$1.61A$2.15A$2.6958
P/B MultipleA$0.8400A$1.12A$1.4055
EV/EBITA$2.57A$3.83A$5.0965
EV/EBITDAA$1.88A$2.91A$3.9466
EV/RevenueA$0.8700A$1.76A$2.6651
Asset-Based
NCAV (Graham)A$0.2800A$0.3700A$0.560054
Growth DCF
Growth DCFn/aA$0.5400A$1.5572
Rev-Margin DCFA$0.5100A$2.00A$3.9764
Economic Profit
Residual IncomeA$0.6900A$0.9700A$1.7869
The fair value above starts from this blend and is adjusted for dilution from new shares.
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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+5.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.8%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘ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 3 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.
+7.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.2%
Dividend (yield on the price)0.3%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+51.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+15.3%
Yearly sales growth analysts expect, extended to five years.
The revenue jump in 2026 (+40.5%) comes with 33% more shares (acquisition or merger paid in stock). Per share it is about +6.0%. The comparison above is unreliable in such a year.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +46.7% a year for the price and +12.0% for the forecasts.
Compare GemLife Communities Group with another stock
Price, fair value, quality and upside side by side.
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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 · 489 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−79.4% · Bottom 25%
Profitability
Return on equity (12 months)12.9% · Top 25%
Return on assets3.1% · Above median
Net margin (12 months)18.8% · Above median
Operating margin (12 months)34.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)86.1% · Top 25%
Dividend yield (12 months)0.3% · Bottom 25%
Balance sheet
Debt / equity2.15× · Highest 25%
Valuation Multiplesvs Real Estate - Development median · lower = cheaper
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.
Cite: Fair Value Calculator (2026). "GemLife Communities Group Fair Value". https://www.fairvalue-calculator.com/stock/GLF
Frequently asked questions
Is GemLife Communities Group (GLF) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of A$0.8245 versus a price of A$4.00, about 79% lower (overvalued).
What is the fair value of GLF?
Our model-based fair value for GemLife Communities Group is A$0.8245 (as of Nov 6, 2026), built from audited fundamentals. The current price: A$4.00.
What is the quality score of GLF?
GemLife Communities Group has a Quality Score of 36/100. 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 GemLife Communities Group (GLF)?
Our model-based price target is the fair value of A$0.8245 (as of Nov 6, 2026) from 16 valuation models. Cautious scenario A$0.4845, optimistic scenario A$1.51. It is a calculation from audited fundamentals, not an analyst target.
What is the GemLife Communities Group stock forecast for 2026?
Our models put fair value at A$0.8245, about 79% lower versus a price of A$4.00 (overvalued). Cautious scenario A$0.4845, optimistic scenario A$1.51. The calculation is refreshed regularly with new filings.
What is the revenue of GemLife Communities Group (GLF)?
GemLife Communities Group reported trailing-twelve-month revenue of about A$372M (latest available figure, as of Nov 6, 2026).
Does GemLife Communities Group pay a dividend?
GemLife Communities Group currently shows a dividend yield of 0.28% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of GemLife Communities Group (GLF) and when is the ex-dividend date?
GemLife Communities Group pays a dividend of A$0.011 per share a year, a dividend yield of 0.3%. The last ex-dividend date was Jun 29, 2026. The payout ratio is 6.5% of earnings. Free cash flow covers the dividend 3.63 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into GemLife Communities Group (GLF)?
For today's price to be fair in a discounted-cash-flow model, GemLife Communities Group would have to grow free cash flow by +51.0 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +26.8 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of GLF use?
Our models discount GemLife Communities Group at 11.0 %: a base by market capitalisation (small), country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For GemLife Communities Group that is +51.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has GemLife Communities Group (GLF) delivered so far?
Over the past 3 years revenue at GemLife Communities Group grew +26.8 % a year. The price currently implies free-cash-flow growth of +51.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of GemLife Communities Group (GLF) growing?
The median revenue growth in the sector is +2.7 % a year. That is the yardstick for the growth priced into GemLife Communities Group (+51.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of GemLife Communities Group (GLF)?
The free-cash-flow yield on the price is 1.00 %: that much free cash flow GemLife Communities Group produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of GemLife Communities Group (GLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GemLife Communities Group it is A$0.8245 per share (as of Nov 6, 2026), against a price of A$4.00. It is the blended result of 16 valuation models in 6 families (DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is GemLife Communities Group stock overvalued or undervalued in 2026?
As of Nov 6, 2026, GLF trades above its calculated fair value: price A$4.00, fair value A$0.8245, a gap of about −79% (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 GLF?
No. The price is what the market pays today (A$4.00); the fair value is what the company's own numbers justify (A$0.8245). For GemLife Communities Group the two are A$3.18 per share apart. That gap is exactly why we show both numbers side by side.
How much is GemLife Communities Group worth?
The market values GemLife Communities Group at about A$1.5B (market capitalisation, as of Nov 6, 2026). Per share that is A$4.00; our models calculate a fair value of A$0.8245 per share.
What do the bullish and bearish scenarios say about GLF?
Our models span a range for GemLife Communities Group: cautious scenario A$0.4845, base A$0.8245, optimistic A$1.51 per share (as of Nov 6, 2026, price A$4.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GLF?
GemLife Communities Group trades at a price-to-earnings ratio of 23.5 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.8245 is built from several models across several years. Other multiples: P/B 7.1, P/S 4.1, EV/EBITDA 13.8.
How solid is the balance sheet of GemLife Communities Group (GLF)?
Balance-sheet figures for GemLife Communities Group (as of Nov 6, 2026): return on equity 12.9%, debt of 2.15 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is GLF from its 52-week high?
GemLife Communities Group trades at A$4.00, about 25% below its 52-week high of A$5.34 and 3% above the low of A$3.88 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.8245 is for.
Which stocks are comparable to GemLife Communities Group?
From the same area (Real Estate) we also value Sun Hung Kai Properties Limited, China Resources Land Limited, CK Asset Holdings, DLF Limited, 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 GemLife Communities Group stock attractive at the current price?
The data as of Nov 6, 2026: price A$4.00, calculated fair value A$0.8245 (−79%), Quality Score 36/100, from 16 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 GLF calculated?
We run GemLife Communities Group through 16 models from 6 families: DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$0.8245 builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. GemLife Communities Group 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 GemLife Communities Group (GLF)?
The closing price on Nov 6, 2026 was A$4.00. Our model-based fair value is A$0.8245, about 79% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GemLife Communities Group right now?
The price sits above even our optimistic bull case (A$1.51). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (A$0.4845 to A$1.51). The outcome hinges heavily on assumptions, so read the point estimate with caution. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of GemLife Communities Group
How large is the market capitalisation of GemLife Communities Group (GLF)?
The market capitalisation of GemLife Communities Group is A$1.5B (≈ $1.0B). 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 GemLife Communities Group (GLF)?
The price-to-sales ratio of GemLife Communities Group is 4.09 (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 GemLife Communities Group (GLF)?
Earnings per share at GemLife Communities Group are A$0.1700 (price ÷ EPS = P/E 23.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of GemLife Communities Group (GLF)?
The dividend yield of GemLife Communities Group is 0.3% (payout 6.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of GemLife Communities Group (GLF)?
The net margin of GemLife Communities Group is 18.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of GemLife Communities Group (GLF)?
The return on equity (ROE) of GemLife Communities Group is 12.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of GemLife Communities Group (GLF)?
On an EBIT basis the return on assets of GemLife Communities Group is 6.8% (avg 4y). 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 GemLife Communities Group (GLF)?
The operating margin of GemLife Communities Group is 34.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GemLife Communities Group (GLF)?
Revenue at GemLife Communities Group is growing +86.1% versus a year earlier (3y avg +26.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at GemLife Communities Group (GLF)?
Earnings per share at GemLife Communities Group are growing +123% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does GemLife Communities Group (GLF) carry?
The net debt of GemLife Communities Group is A$466M (fiscal year 2025, ≈ 30.6 yrs of FCF). 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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Some data
Nov 6, 2026