Gujarat Lease Financing Limited (GLFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹163M
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 3 days ago
A solid business, but screening 85% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹1.16). The favourable scenario is already priced in.
- The model range is unusually wide (₹0.1700 to ₹1.16). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (63/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹1.90 – ₹11.70 · fair‑value band ₹0.1700 – ₹1.16 · the ₹5.60 price screens above the ₹0.8200 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Gujarat Lease Financing Limited (GLFL) currently trades at ₹5.60, while our model-based Fair Value estimate is ₹0.8200, implying the stock looks roughly 85.4% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Gujarat Lease Financing Limited generated revenue of ₹4.3M at a net margin of 11.1%. Revenue declined 2.7% year over year. Net debt stands at ₹40.2M. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹0.1700 (bear case) to ₹1.16 (bull case); at ₹5.60, the current price sits above 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 40% 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 -63% fair-value upside, at -85%, GLFL screens richer 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 6 models by family
Widest divergence: Growth DCF (₹35.46) versus Multiples (₹0.2300). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 74 · Market factors (momentum, volatility) 38
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
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
GLFL screens 85% overvalued. Compare with The Coca-Cola Company →
Peer Group
Shell Companies · 83 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 Shell Companies 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.
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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 Shell Companies stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Coca-Cola Company COLA | C$30.34 | C$10.62 | -65% |
| Lionheart III Corp LION | $11.73 | $18.15 | +55% |
| Agriculture & Natural Solutions Acquisition Corporation ANSC | $11.46 | $4.13 | -64% |
| AA Mission Acquisition Corp AAM | $0.0390 | $0.0394 | +1% |
| GP-Act III Acquisition Corp GPAT | $11.16 | $4.30 | -61% |
| Berto Acquisition Corp TACO | $10.45 | $2.73 | -74% |
| Axiom Intelligence Acquisition Corp AXIN | $10.29 | $1.46 | -86% |
| Bold Eagle Acquisition Corp BEAG | $10.75 | $4.00 | -63% |
| Lionheart Holdings CUB | $10.88 | $5.06 | -53% |
| Graf Global Corp GRAF | $10.84 | $3.63 | -67% |
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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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