What does Guj. Credit Corp do?

Gujarat Credit Corporation Ltd is a micro-cap NBFC focused on real estate development, incorporated in 1993, with a recent net profit of 1 Cr and a market cap of Rs 80 Cr. Key financial metrics include a P/E of 80.00 and a debt-equity ratio of 1.39.

Overview:<BR>Gujarat Credit Corporation Ltd is engaged in real estate development within the Non Banking Financial Company (NBFC) sector and operates in the micro-cap market.<BR><BR>History:<BR>Incorporated in 1993, Gujarat Credit Corporation has maintained its status in the real estate sector, with the latest reported financial results for the quarter ending December 2024.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: N/A<BR>Most recent Net Profit: 1 Cr (Quarterly Results - Dec 2024)<BR>Market-cap value: Rs 80 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 80.00<BR>Industry P/E: 23<BR>Dividend Yield: 0.00%<BR>Debt-Equity: 1.39<BR>Return on Equity (ROE): -1.92%<BR>Price-to-Book: 5.91<BR><BR>Contact Details:<BR>Address: A-115 Siddhi Vinayak Towers, Off S G Highway Makarba Ahmedabad Gujarat : 380051<BR>Tel: 079-29703131<BR>Email: pinakincs@yahoo.com<BR>Website: http://www.gccl.co.in

Has Guj. Credit Corp declared dividend?

No Dividend History Available

Who are the peers of the Guj. Credit Corp?

Peers of Guj. Credit Corp include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Everlon Fin., Transcorp Intl., BLB, and Toyam Sports, with varying management and growth risks. Guj. Credit Corp has a 1-year return of 53.75%, outperforming peers like Everlon Fin. (46.36%) and Toyam Sports (-64.23%).

Peers: The peers of Guj. Credit Corp are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Everlon Fin., Transcorp Intl., BLB, and Toyam Sports.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Average management risk is found at Jio Financial, Everlon Fin., and Toyam Sports. Good management risk is noted at Shriram Finance, while Below Average management risk is present at Transcorp Intl., BLB, and Transwar.Fin. For Growth, Excellent growth is seen at Jio Financial, while Good growth is noted at Bajaj Finance, Cholaman.Inv.&Fn, and Shriram Finance. Average growth is found at Muthoot Finance and Toyam Sports, while Below Average growth is observed at Everlon Fin. and Transcorp Intl. Capital Structure ratings show Excellent at Bajaj Finance, Shriram Finance, Muthoot Finance, BLB, and Transwar.Fin., Good at Cholaman.Inv.&Fn and Everlon Fin., and the rest do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Everlon Fin. at 46.36%, while Toyam Sports has the lowest at -64.23%. Guj. Credit Corp's own 1-year return is 53.75%, which is higher than both of these peers. Additionally, the peers with negative six-month returns include Jio Financial, Transcorp Intl., BLB, Toyam Sports, and Transwar.Fin.

What is the technical trend for Guj. Credit Corp?

As of May 26, 2025, Guj. Credit Corp's technical trend is mildly bearish, primarily due to bearish moving averages and Bollinger Bands, despite some mixed signals from other indicators like the MACD and KST.

As of 26 May 2025, the technical trend for Guj. Credit Corp has changed from sideways to mildly bearish. The weekly MACD indicates a mildly bullish stance, but the monthly MACD is mildly bearish, suggesting mixed signals. The Bollinger Bands are bearish on both weekly and monthly time frames, reinforcing the bearish outlook. Daily moving averages are also bearish, indicating short-term weakness. The KST shows a mildly bullish trend weekly and bullish monthly, but this is countered by the Dow Theory, which is mildly bearish weekly and mildly bullish monthly. Overall, the current technical stance is mildly bearish, driven primarily by the bearish moving averages and Bollinger Bands, despite some mixed signals from other indicators.

Who are in the management team of Guj. Credit Corp?

As of March 2022, the management team of Guj. Credit Corp includes Amam S Shah (Managing Director), Bahubali S Shah, Binoti Jatinbhai Shah (Non-Executive Directors), Vipul H Raja, L A Patel, Priyank Shrirajbhai Jhaveri (Independent Directors), and Hetal Patel (Company Secretary & Compliance Officer).

As of March 2022, the management team of Guj. Credit Corp includes the following members:<BR><BR>1. Bahubali S Shah - Non Executive Director<BR>2. Amam S Shah - Managing Director<BR>3. Vipul H Raja - Independent Director<BR>4. L A Patel - Independent Director<BR>5. Binoti Jatinbhai Shah - Non Executive Director<BR>6. Hetal Patel - Company Secretary & Compliance Officer<BR>7. Priyank Shrirajbhai Jhaveri - Independent Director<BR><BR>This team comprises a mix of executive and non-executive directors, along with a compliance officer.

Who are the top shareholders of the Guj. Credit Corp?

The top shareholders of Guj. Credit Corp are Bahubali S Shah with 10.4%, Alfa Fincaps Ltd at 3.2%, and individual investors holding a combined 45.28%. There are currently no institutional investors or mutual funds involved.

The top shareholders of Guj. Credit Corp include Bahubali S Shah, who holds the highest promoter stake at 10.4%. The highest public shareholder is Alfa Fincaps Ltd, with a holding of 3.2%. Additionally, individual investors collectively hold a significant portion of 45.28%. There are no institutional investors or mutual funds currently holding shares in the company.

How big is Guj. Credit Corp?

As of 24th July, Gujarat Credit Corporation Ltd has a market capitalization of 72.00 Cr, with reported Net Sales of 0.00 Cr and a Net Profit loss of 0.10 Cr. The latest balance sheet shows Shareholder's Funds of 13.88 Cr and Total Assets of 32.71 Cr.

As of 24th July, Gujarat Credit Corporation Ltd has a market capitalization of 72.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr and a Net Profit loss of 0.10 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, showing Shareholder's Funds of 13.88 Cr and Total Assets of 32.71 Cr.

When is the next results date for Guj. Credit Corp?

The next results date for Guj. Credit Corp is 13 November 2025.

The next results date for Guj. Credit Corp is scheduled for 13 November 2025.

How has been the historical performance of Guj. Credit Corp?

Guj. Credit Corp has consistently reported zero net sales and operating income over the past several years, with increasing losses, culminating in a consolidated net loss of -0.87 crore in March 2025, down from a profit of 1.50 crore in March 2022. The company's financial metrics indicate a troubling trend of declining profitability and rising expenses.

Answer:<BR>The historical performance of Guj. Credit Corp shows a consistent trend of zero net sales and other operating income over the past several years, indicating no revenue generation. The total operating income has remained at zero, with the only notable expense being employee costs, which have slightly increased from 0.10 crore in March 2019 to 0.12 crore in March 2025. The total expenditure, excluding depreciation, has seen an increase from 0.21 crore in March 2024 to 0.45 crore in March 2025. Operating profit (PBDIT) has fluctuated, with a negative operating profit of -0.28 crore reported in March 2025, down from a positive 0.02 crore in March 2024. The profit before tax has also turned negative at -0.28 crore in March 2025, compared to a profit of 0.02 crore in the previous year. Consequently, the profit after tax has decreased significantly to -0.27 crore in March 2025 from a profit of 0.02 crore in March 2024. The consolidated net profit has shown a downward trend, moving from a profit of 1.50 crore in March 2022 to a loss of -0.87 crore in March 2025.<BR><BR>Breakdown:<BR>Guj. Credit Corp has not generated any net sales or other operating income over the past seven years, maintaining a consistent zero revenue stream. Employee costs have seen a slight increase, while total expenditure has risen significantly in the latest fiscal year. The company reported an operating profit of -0.28 crore in March 2025, a decline from the previous year's positive operating profit. This trend continued with profit before tax and profit after tax both showing negative figures in March 2025, indicating a challenging financial environment. The consolidated net profit has deteriorated sharply, reflecting a significant loss compared to previous years, particularly from a profit of 1.50 crore in March 2022 to a loss of -0.87 crore in March 2025. Overall, the financial metrics suggest a concerning trend for Guj. Credit Corp, with increasing losses and no revenue generation.

Which are the latest news on Guj. Credit Corp?

Why is Guj. Credit Corp falling/rising?

As of 03-Dec, Gujarat Credit Corporation Ltd's stock price is currently at 30.82, reflecting a 4.97% increase after a trend reversal. Despite a negative year-to-date performance of 38.11%, the stock has gained 8.41% over the past week, outperforming the sector.

As of 03-Dec, Gujarat Credit Corporation Ltd's stock price is rising, currently at 30.82, reflecting a change of 1.46 (4.97%) upward. This increase follows a trend reversal after two consecutive days of decline. Despite opening with a loss of 4.97% today, the stock managed to reach an intraday high of Rs 30.82, indicating a recovery during the trading session.<BR><BR>In the context of recent performance, the stock has outperformed the sector by 6.03% today. Over the past week, it has gained 8.41%, contrasting sharply with the Sensex, which has fallen by 0.59%. Additionally, the stock has shown significant growth over the past month, with a rise of 24.12%, while the Sensex only increased by 1.34%.<BR><BR>However, it is important to note that the stock's year-to-date performance remains negative, down 38.11%, and it has experienced a substantial decline of 58.15% over the past year. Despite these longer-term challenges, the current upward movement can be attributed to a combination of short-term recovery and positive trading activity today.

Is Guj. Credit Corp overvalued or undervalued?

As of December 3, 2025, Guj. Credit Corp is considered overvalued and risky, with extreme valuation metrics like a PE ratio of -7705.00 and an EV to EBIT of -94.15, significantly diverging from its peers, and has experienced a negative return of -38.11% year-to-date compared to the Sensex's positive return of 8.92%.

As of 3 December 2025, the valuation grade for Guj. Credit Corp has moved from very expensive to risky, indicating a significant shift in its perceived value. The company is currently overvalued, as evidenced by its extreme PE ratio of -7705.00 and an EV to EBIT of -94.15, which are both notable outliers compared to its peers. Additionally, the Price to Book Value stands at 6.11, suggesting that the market is pricing the stock at a substantial premium relative to its book value.<BR><BR>In comparison to its peers, Guj. Credit Corp's valuation metrics starkly contrast with those of Bajaj Finance, which has a PE ratio of 34.68, and Life Insurance, which boasts a PE ratio of 10.75. The company's negative returns year-to-date of -38.11% further emphasize its overvaluation, especially when juxtaposed with the Sensex's positive return of 8.92% in the same period. Overall, the combination of poor financial ratios and unfavorable peer comparisons supports the conclusion that Guj. Credit Corp is overvalued.