Guj. Credit Corp

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.

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.

Is Guj. Credit Corp overvalued or undervalued?

As of December 4, 2025, Guj. Credit Corp is considered very expensive and overvalued due to its negative PE ratio of -8090.00, an EV to EBIT of -98.00, and a Price to Book Value of 6.41, especially when compared to peers like Bajaj Finance and Life Insurance, alongside a year-to-date return of -35.02% against the Sensex's 9.12%.

As of 4 December 2025, the valuation grade for Guj. Credit Corp has moved from risky to very expensive. The company is currently overvalued based on its significant negative PE ratio of -8090.00 and an EV to EBIT of -98.00, which indicate severe profitability issues. Additionally, the Price to Book Value stands at 6.41, suggesting that the market is pricing the stock at a premium relative to its book value.<BR><BR>In comparison to its peers, Guj. Credit Corp's valuation metrics are starkly unfavorable. For instance, Bajaj Finance has a PE ratio of 34.9 and an EV to EBITDA of 19.63, while Life Insurance shows a more attractive valuation with a PE of 10.85. The recent stock performance of Guj. Credit Corp has been volatile, with a year-to-date return of -35.02%, contrasting sharply with the Sensex's positive return of 9.12% during the same period, further reinforcing the notion that the stock is overvalued in the current market environment.

When is the next results date for Gujarat Credit Corporation Ltd?

The next results date for Gujarat Credit Corporation Ltd is 10 February 2026.

The next results date for Gujarat Credit Corporation Ltd is scheduled for 10 February 2026.

Which are the latest news on Guj. Credit Corp?

Why is Gujarat Credit Corporation Ltd falling/rising?

As of 11-Feb, the stock price of Gujarat Credit Corporation Ltd is Rs. 22.01, unchanged from the previous session but down significantly over various periods, including a 48.63% decline over the past year. The stock is underperforming its sector and has hit a new 52-week low, with decreased investor participation contributing to its bearish trend.

As of 11-Feb, the stock price of Gujarat Credit Corporation Ltd is currently at Rs. 22.01, showing no change from the previous trading session. However, the stock has been experiencing a significant decline over various periods. Over the past week, it has fallen by 4.30%, and in the last month, it has decreased by 15.99%. Year-to-date, the stock is down 14.95%, and over the past year, it has plummeted by 48.63, while the benchmark Sensex has gained 10.41% in the same timeframe.<BR><BR>Today, the stock hit a new 52-week low of Rs. 22, indicating a downward trend. It has underperformed its sector by 1.25% today and is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which suggests a bearish sentiment among investors. Additionally, there has been a notable decline in investor participation, with delivery volume dropping by 88.07% compared to the 5-day average. This lack of interest further contributes to the stock's falling price.<BR><BR>Overall, the combination of poor performance relative to the market, hitting a new low, and declining investor participation are key factors contributing to the falling stock price of Gujarat Credit Corporation Ltd.