Gujarat State Financial Corporation (GUJSTATFIN) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of Gujarat State Financial Corporation ₹19.72, price ₹8.91, upside +121.3%, quality 33 out of 100. 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 Sep 28, 2026.
How to read this chart
60‑month range ₹4.24 – ₹38.06 · fair‑value band ₹14.72 – ₹29.44 · the ₹8.91 price screens below the ₹19.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.
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Gujarat State Financial Corporation operates as a development financial institution in India. It provides medium- and long-term credit to small and medium scale industries. The company was founded in 1960 and is headquartered in Gandhinagar, India.
Stock analysis
Gujarat State Financial Corporation (GUJSTATFIN) currently trades at ₹8.91, while our model-based Fair Value estimate is ₹19.72, implying the stock looks roughly 54.8% undervalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: ₹14.72 (bear) to ₹29.44 (bull), the price of ₹8.91 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 33/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Gujarat State Financial Corporation reported revenue of ₹1.4M in FY2026 versus ₹8.5M in FY2022, a compound −36.0%/yr. Reported net income was −₹1.3B in FY2026.
Key figures
Market cap ₹860M (≈ $8.9M) · EPS (TTM) ₹−13.01 · Return on equity −34.9% · Return on assets (EBIT) −2.7% · Operating margin 102% · Revenue (TTM) −₹1.1B · Free cash flow −₹171M · Net debt ₹6.6B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (medium confidence).
What moves the price
The share trades about 35% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 121%, GUJSTATFIN screens cheaper than that median.
Fair Value models
Bear ₹14.72Fair Value ₹19.72Bull ₹29.44
Price ₹8.91 · Upside +121.3%
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.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.6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+3.7%
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.
−36.2%
Revenue growth 5 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.
−19.7%
Start year 2021 (pandemic)
Revenue growth 7 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.
−33.2%
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Profit margin (trend) ⓘ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.
−22,184.0% (2021) → −66,169.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Compare Gujarat State Financial Corporation with another stock
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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.Credit Services · 326 stocks
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Cite: Fair Value Calculator (2026). "Gujarat State Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/GUJSTATFIN
Frequently asked questions
Is Gujarat State Financial Corporation (GUJSTATFIN) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of ₹19.72 versus a price of ₹8.91, about +121% upside (undervalued).
What is the fair value of GUJSTATFIN?
Our model-based fair value for Gujarat State Financial Corporation is ₹19.72 (as of Sep 28, 2026), built from audited fundamentals. The current price: ₹8.91.
What is the quality score of GUJSTATFIN?
Gujarat State Financial Corporation has a Quality Score of 33/100. 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 State Financial Corporation (GUJSTATFIN)?
Our model-based price target is the fair value of ₹19.72 (as of Sep 28, 2026) from 1 valuation models. Cautious scenario ₹14.72, optimistic scenario ₹29.44. It is a calculation from audited fundamentals, not an analyst target.
What is the Gujarat State Financial Corporation stock forecast for 2026?
Our models put fair value at ₹19.72, about +121% upside versus a price of ₹8.91 (undervalued). Cautious scenario ₹14.72, optimistic scenario ₹29.44. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Gujarat State Financial Corporation (GUJSTATFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gujarat State Financial Corporation it is ₹19.72 per share (as of Sep 28, 2026), against a price of ₹8.91. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Gujarat State Financial Corporation stock overvalued or undervalued in 2026?
As of Sep 28, 2026, GUJSTATFIN trades below its calculated fair value: price ₹8.91, fair value ₹19.72, a gap of about +121% (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 GUJSTATFIN?
No. The price is what the market pays today (₹8.91); the fair value is what the company's own numbers justify (₹19.72). For Gujarat State Financial Corporation the two are ₹10.81 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gujarat State Financial Corporation worth?
The market values Gujarat State Financial Corporation at about ₹860M (market capitalisation, as of Sep 28, 2026). Per share that is ₹8.91; our models calculate a fair value of ₹19.72 per share.
What do the bullish and bearish scenarios say about GUJSTATFIN?
Our models span a range for Gujarat State Financial Corporation: cautious scenario ₹14.72, base ₹19.72, optimistic ₹29.44 per share (as of Sep 28, 2026, price ₹8.91). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Gujarat State Financial Corporation (GUJSTATFIN)?
Balance-sheet figures for Gujarat State Financial Corporation (as of Sep 28, 2026): return on equity −34.9%, debt of 1.82 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is GUJSTATFIN from its 52-week high?
Gujarat State Financial Corporation trades at ₹8.91, about 35% below its 52-week high of ₹13.74 and at the low of ₹8.91 (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹19.72 is for.
Which stocks are comparable to Gujarat State Financial Corporation?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 State Financial Corporation stock attractive at the current price?
The data as of Sep 28, 2026: price ₹8.91, calculated fair value ₹19.72 (+121%), Quality Score 33/100, from 1 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 GUJSTATFIN calculated?
We run Gujarat State Financial Corporation through 1 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 ₹19.72, 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 14.9 % above its aggregate fair value. Gujarat State Financial Corporation currently trades 55 % 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 State Financial Corporation (GUJSTATFIN)?
The closing price on Oct 9, 2026 was ₹8.91. Our model-based fair value is ₹19.72, about +121% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gujarat State Financial Corporation right now?
The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹14.72). 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. A fairly wide model range (₹14.72 to ₹29.44) leaves room in how you read the outcome.
Key figures of Gujarat State Financial Corporation
How large is the market capitalisation of Gujarat State Financial Corporation (GUJSTATFIN)?
The market capitalisation of Gujarat State Financial Corporation is ₹860M (≈ $8.9M). 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 are the earnings per share of Gujarat State Financial Corporation (GUJSTATFIN)?
Earnings per share at Gujarat State Financial Corporation are ₹−13.01. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Gujarat State Financial Corporation (GUJSTATFIN)?
The return on equity (ROE) of Gujarat State Financial Corporation is −34.9% (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 Gujarat State Financial Corporation (GUJSTATFIN)?
On an EBIT basis the return on assets of Gujarat State Financial Corporation is −2.7% (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 State Financial Corporation (GUJSTATFIN)?
The operating margin of Gujarat State Financial Corporation is 102% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Gujarat State Financial Corporation (GUJSTATFIN) generate?
Gujarat State Financial Corporation generates revenue of −₹1.1B (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How much free cash flow does Gujarat State Financial Corporation (GUJSTATFIN) generate?
The free cash flow of Gujarat State Financial Corporation is −₹171M (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 State Financial Corporation (GUJSTATFIN) carry?
The net debt of Gujarat State Financial Corporation is ₹6.6B (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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