Gujarat Credit Corporation Ltd Stock Price Today (NSE: GUJCRED)
Fundamental Score
Gujarat Credit Corporation Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Gujarat Credit Corporation Ltd share price today is ₹24.88, up +0.00% on NSE/BSE as of 30 March 2026. Gujarat Credit Corporation Ltd (GUJCRED) is a Small-cap company in the Other Financial Services sector with a market capitalisation of ₹77.25 (Cr). The 52-week high for GUJCRED share price is ₹38.36 and the 52-week low is ₹22.00. The company has a Return on Equity (ROE) of -6.47% and a debt-to-equity ratio of 1.36.
Gujarat Credit Corporation Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Gujarat Credit Corporation Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
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Balance Sheet Health
Debt to Equity
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Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of Gujarat Credit Share Price: A Deep Dive
In the fragmented landscape of Other Financial Services, smaller NBFCs often face challenges building sustainable competitive advantages. This analysis examines the financial standing of Gujarat Credit Corporation Ltd, specifically looking at the “Gujarat Credit share price” of ₹22.0. This assessment is based on publicly available data and forms a part of a comprehensive 80-parameter fundamental audit process, verified by Sweta Mishra. The absence of a readily available Price-to-Earnings (PE) ratio alongside a negative Return on Capital Employed (ROCE) necessitates a closer look at the company's underlying financial health.
The negative ROCE of -0.99% is a critical concern. ROCE measures a company's profitability relative to its capital employed. A negative ROCE suggests that Gujarat Credit Corporation Ltd is currently destroying value, as the returns generated from its investments are insufficient to cover the cost of capital. This negatively impacts the company's ability to build a strong economic moat. A weak moat makes it more susceptible to competitive pressures and erodes long-term profitability.
When comparing Gujarat Credit Corporation Ltd to its peers, such as
Sumedha Fiscal Services Ltd, factors like management quality and operational efficiency become paramount. While objective comparison of management is limited by publicly available data, the stark difference in financial performance compared to potentially more efficiently managed peers like Sumedha Fiscal Services Ltd highlights areas for potential improvement. Sumedha's ability to generate positive returns on capital is a key differentiator requiring further analysis to understand the underlying drivers.Further investigation into Gujarat Credit Corporation Ltd's cost structure, asset quality, and debt levels is crucial. Understanding the reasons behind the negative ROCE and the absence of a PE ratio (likely due to negative earnings) is essential for a complete financial picture. While this analysis offers a snapshot of the current situation based on limited data, further in-depth research is necessary to form a complete understanding of the long-term viability of Gujarat Credit Corporation Ltd and its ability to improve the Gujarat Credit share price over time. This analysis is observational and does not constitute any buy/sell recommendations.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Gujarat Credit Corporation Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of GUJCRED across key market metrics for learning purposes.
Positive Indicators
1 factors identified
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Below-Average Return on Equity (-6.47%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-0.99%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 1.36)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Gujarat Credit Corporation Ltd Financial Statements
Comprehensive financial data for Gujarat Credit Corporation Ltd including income statement, balance sheet and cash flow
About GUJCRED (Gujarat Credit Corporation Ltd)
Gujarat Credit Corporation Ltd is a multifaceted financial entity based in Ahmedabad, India, established in 1993, operating within the Other Financial Services sector. GUJCRED spec...ializes in providing tailored credit solutions to individuals and businesses across Gujarat, fostering economic growth and financial inclusion. Unlike traditional banking institutions, GUJCRED focuses on niche financial services, including secured and unsecured loans, microfinance initiatives, and customized financial products designed to meet the unique needs of its diverse clientele. The corporation prides itself on its deep understanding of the local market dynamics and its ability to offer flexible and accessible financial solutions, contributing significantly to the socio-economic development of the region. GUJCRED distinguishes itself through its commitment to ethical lending practices and customer-centric approach. It operates with a strong emphasis on transparency and responsibility, ensuring that its clients are well-informed and empowered to make sound financial decisions. The company invests heavily in technology and innovation to streamline its operations and enhance the customer experience. This includes the implementation of digital lending platforms, mobile banking solutions, and online customer support channels, making financial services more accessible and convenient for its clients, particularly in rural areas. Through its strategic partnerships with local businesses and community organizations, GUJCRED actively promotes financial literacy and entrepreneurship throughout Gujarat. GUJCRED's core mission is to empower individuals and businesses to achieve their financial goals by providing them with access to affordable and reliable credit. The corporation places significant emphasis on building long-term relationships with its clients, providing ongoing support and guidance to help them navigate the complexities of the financial landscape. GUJCRED is committed to sustainable growth and responsible lending, balancing profitability with social responsibility. The company adheres to strict regulatory guidelines and maintains a robust risk management framework to ensure the stability and integrity of its operations. By fostering a culture of innovation and excellence, GUJCRED aims to remain a leading provider of financial services in Gujarat, contributing to the economic prosperity of the region.
Company Details
Key Leadership
GUJCRED Share Price: Frequently Asked Questions
What is the current share price of Gujarat Credit Corporation Ltd (GUJCRED)?
As of 30 Mar 2026, 12:06 pm IST, Gujarat Credit Corporation Ltd share price is ₹24.88. The GUJCRED stock has a market capitalisation of ₹77.25 (Cr) on NSE/BSE.
Is GUJCRED share price Overvalued or Undervalued?
GUJCRED share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 30.94x. Based on this relative valuation, the Gujarat Credit Corporation Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of GUJCRED share price?
The 52-week high of GUJCRED share price is ₹38.36 and the 52-week low is ₹22.00. These values are updated daily from NSE/BSE price data.
What factors affect the Gujarat Credit Corporation Ltd share price?
Key factors influencing GUJCRED share price include quarterly earnings growth (Sales Growth: N/A%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Gujarat Credit Corporation Ltd a good stock for long-term investment?
Gujarat Credit Corporation Ltd shows a 5-year Profit Growth of N/A% and an ROE of -6.47%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.36 before investing in GUJCRED shares.
How does Gujarat Credit Corporation Ltd compare with its industry peers?
Gujarat Credit Corporation Ltd competes with major peers in the Other Financial Services. Investors should compare GUJCRED share price P/E of 0.00x and ROE of -6.47% against the industry averages to determine competitive standing.
What is the P/E ratio of GUJCRED and what does it mean?
GUJCRED share price has a P/E ratio of N/Ax compared to the industry average of 30.94x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is GUJCRED performing according to Bull Run's analysis?
GUJCRED has a Bull Run fundamental score of N/A/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does GUJCRED belong to?
GUJCRED operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting Gujarat Credit Corporation Ltd share price.
What is Return on Equity (ROE) and why is it important for GUJCRED?
GUJCRED has an ROE of -6.47%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Gujarat Credit Corporation Ltd generates profits from shareholders capital.
How is GUJCRED debt-to-equity ratio and what does it indicate?
GUJCRED has a debt-to-equity ratio of 1.36, which indicates high leverage that increases financial risk.
What is GUJCRED dividend yield and is it a good dividend stock?
GUJCRED offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Gujarat Credit Corporation Ltd shares.
How has GUJCRED share price grown over the past 5 years?
GUJCRED has achieved 5-year growth rates of: Sales Growth N/A%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in GUJCRED and why does it matter?
Promoters hold 31.61% of GUJCRED shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Gujarat Credit Corporation Ltd.
What is GUJCRED market capitalisation category?
GUJCRED has a market capitalisation of ₹77 crores, placing it in the Small-cap category.
How volatile is GUJCRED stock?
GUJCRED has a beta of N/A. A beta > 1 suggests the Gujarat Credit Corporation Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is GUJCRED operating profit margin trend?
GUJCRED has a 5-year average Operating Profit Margin (OPM) of N/A%, indicating the company's operational efficiency.
How is GUJCRED quarterly performance?
Recent quarterly performance shows Gujarat Credit Corporation Ltd YoY Sales Growth of N/A% and YoY Profit Growth of 4.17%.
What is the institutional holding pattern in GUJCRED?
GUJCRED has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Gujarat Credit Corporation Ltd stock.