Gujarat Lease Financing Limited (GLFL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Gujarat Lease Financing Limited ₹10.24, price ₹5.49, upside +86.5%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹1.90 – ₹11.70 · fair‑value band ₹7.07 – ₹13.34 · the ₹5.49 price screens below the ₹10.24 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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Gujarat Lease Financing Limited does not have significant operations. Previously, it was engaged in the provision of non-banking finance services. The company was incorporated in 1983 and is based in Ahmedabad, India.
Stock analysis
Gujarat Lease Financing Limited (GLFL) currently trades at ₹5.49, while our model-based Fair Value estimate is ₹10.24, implying the stock looks roughly 46.4% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of ₹58.23 per share, and 3 of the 7 models we run sit above the ₹5.49 price.
Bear case: the DCF Models group reads lowest at ₹11.88, and 4 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹7.07 (bear) to ₹13.34 (bull), the price of ₹5.49 sits below 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 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Gujarat Lease Financing Limited reported revenue of ₹4.2M in FY2026 versus ₹2.9M in FY2022, a compound +9.6%/yr. Reported net income was ₹471K in FY2026.
Key figures
Market cap ₹163M (≈ $1.7M) · P/E ratio 274.5 · P/S ratio 30.6 · EPS (TTM) ₹0.0200 · Net margin 11.1% · Return on assets (EBIT) 2.4% · Operating margin 144% · Revenue (TTM) ₹4.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 18 out of 100 (medium confidence).
What moves the price
The share trades about 38% below its 52-week high and 43% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at 87%, GLFL screens cheaper than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹0.2300 to ₹58.23). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹7.07Fair Value ₹10.24Bull ₹13.34
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.0101 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.Evidence ⓘEvidence = 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.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
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.
−32.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−32.0%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−1,168% → 11%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −14.6% a year for the price.
Compare Gujarat Lease Financing Limited 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.Shell Companies · 80 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside+90.0% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−3.7% · Below median
Net margin (TTM)11.1% · Top 25%
Operating margin (TTM)143.9% · Top 25%
Growth and dividend
Revenue growth−2.7% · Bottom 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Shell Companies median · lower = cheaper
P/E (TTM)274.5× · Priciest 25%
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM)38.33× · Priciest 25%
P/FCF2.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 23
FUTURE (revenue growth)0· sector 0
PAST (return on equity)0· sector 0
HEALTH (low debt)0· sector 100
DIVIDEND (yield)0· sector 0
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Is Gujarat Lease Financing Limited (GLFL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹10.24 versus a price of ₹5.49, about +87% upside (undervalued).
What is the fair value of GLFL?
Our model-based fair value for Gujarat Lease Financing Limited is ₹10.24 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹5.49.
What is the quality score of GLFL?
Gujarat Lease Financing Limited has a Quality Score of 63/100. 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 Lease Financing Limited (GLFL)?
Our model-based price target is the fair value of ₹10.24 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario ₹7.07, optimistic scenario ₹13.34. It is a calculation from audited fundamentals, not an analyst target.
What is the Gujarat Lease Financing Limited stock forecast for 2026?
Our models put fair value at ₹10.24, about +87% upside versus a price of ₹5.49 (undervalued). Cautious scenario ₹7.07, optimistic scenario ₹13.34. The calculation is refreshed regularly with new filings.
What is the revenue of Gujarat Lease Financing Limited (GLFL)?
Gujarat Lease Financing Limited reported trailing-twelve-month revenue of about ₹4.3M (latest available figure, as of Sep 27, 2026).
What growth is priced into Gujarat Lease Financing Limited (GLFL)?
For today's price to be fair in a discounted-cash-flow model, Gujarat Lease Financing Limited would have to grow free cash flow by -11.1 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +70.2 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of GLFL use?
Our models discount Gujarat Lease Financing Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.29, country premium for India. 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 Gujarat Lease Financing Limited that is -11.1 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Gujarat Lease Financing Limited (GLFL) delivered so far?
Over the past 5 years revenue at Gujarat Lease Financing Limited grew +70.2 % a year. The price currently implies -11.1 % per year free-cash-flow growth a 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 Gujarat Lease Financing Limited (GLFL) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Gujarat Lease Financing Limited (-11.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Gujarat Lease Financing Limited (GLFL)?
The free-cash-flow yield on the price is 43.25 %: that much free cash flow Gujarat Lease Financing Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Gujarat Lease Financing Limited (GLFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gujarat Lease Financing Limited it is ₹10.24 per share (as of Sep 27, 2026), against a price of ₹5.49. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Gujarat Lease Financing Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, GLFL trades below its calculated fair value: price ₹5.49, fair value ₹10.24, a gap of about +87% (undervalued). 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 GLFL?
No. The price is what the market pays today (₹5.49); the fair value is what the company's own numbers justify (₹10.24). For Gujarat Lease Financing Limited the two are ₹4.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gujarat Lease Financing Limited worth?
The market values Gujarat Lease Financing Limited at about ₹163M (market capitalisation, as of Sep 27, 2026). Per share that is ₹5.49; our models calculate a fair value of ₹10.24 per share.
What do the bullish and bearish scenarios say about GLFL?
Our models span a range for Gujarat Lease Financing Limited: cautious scenario ₹7.07, base ₹10.24, optimistic ₹13.34 per share (as of Sep 27, 2026, price ₹5.49). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GLFL?
Gujarat Lease Financing Limited trades at a price-to-earnings ratio of 274.5 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹10.24 is built from several models across several years. Other multiples: PEG 0.3, P/S 38.3.
What is the PEG ratio of GLFL?
The PEG ratio of Gujarat Lease Financing Limited is 0.26 (P/E divided by earnings growth, as of Sep 27, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Gujarat Lease Financing Limited (GLFL)?
Balance-sheet figures for Gujarat Lease Financing Limited (as of Sep 27, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is GLFL from its 52-week high?
Gujarat Lease Financing Limited trades at ₹5.49, about 38% below its 52-week high of ₹8.90 and 43% above the low of ₹3.85 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹10.24 is for.
Which stocks are comparable to Gujarat Lease Financing Limited?
From the same area (Financial Services) we also value Lionheart III Corp, AA Mission Acquisition Corp, Berto Acquisition Corp, Metals Acquisition Corp, 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 Lease Financing Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹5.49, calculated fair value ₹10.24 (+87%), Quality Score 63/100, from 7 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 GLFL calculated?
We run Gujarat Lease Financing Limited through 7 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 ₹10.24, 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 14.7 % above its aggregate fair value. Gujarat Lease Financing Limited currently trades 46 % below its own fair value, and the market average says nothing about that. 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 Lease Financing Limited (GLFL)?
The closing price on Oct 1, 2026 was ₹5.49. Our model-based fair value is ₹10.24, about +87% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gujarat Lease Financing Limited right now?
The price is below even our cautious bear case (₹7.07). The market is more pessimistic than our downside scenario. 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 quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (₹7.07 to ₹13.34) leaves room in how you read the outcome.
Key figures of Gujarat Lease Financing Limited
How large is the market capitalisation of Gujarat Lease Financing Limited (GLFL)?
The market capitalisation of Gujarat Lease Financing Limited is ₹163M (≈ $1.7M). 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 Lease Financing Limited (GLFL)?
The price-to-sales ratio of Gujarat Lease Financing Limited is 30.6 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gujarat Lease Financing Limited (GLFL)?
Earnings per share at Gujarat Lease Financing Limited are ₹0.0200 (price ÷ EPS = P/E 274.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Gujarat Lease Financing Limited (GLFL)?
The net margin of Gujarat Lease Financing Limited is 11.1% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Gujarat Lease Financing Limited (GLFL)?
On an EBIT basis the return on assets of Gujarat Lease Financing Limited is 2.4% (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 Lease Financing Limited (GLFL)?
The operating margin of Gujarat Lease Financing Limited is 144% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gujarat Lease Financing Limited (GLFL)?
Revenue at Gujarat Lease Financing Limited is growing −2.7% versus a year earlier (3y avg +13.7%). 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 Gujarat Lease Financing Limited (GLFL)?
Earnings per share at Gujarat Lease Financing Limited are growing +10.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Gujarat Lease Financing Limited (GLFL) carry?
The net debt of Gujarat Lease Financing Limited is ₹40.2M (fiscal year 2026, ≈ 0.7 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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