Gujrat Credit Corporation Ltd
Ticker: GUJCRED
Risky
48/100
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Investing Reference
Price
25.65
Market Cap
67.50
Debt/Equity
0.9555
ROE %
-6.466
PB
5.1843
Promoter %
31.613
Pledge %
0.000
1Y Rev Growth %
-26.087
5Y Rev Growth %
-10.131
NP Margin %
-511.765
NP Margin 5Y Avg %
-4.875
Trading Reference
1M Return %
-5.699
6M Return %
-19.340
1Y Return %
-50.588
% Away 52W High
211.111
% Away 52W Low
2.518
Daily Volume
324
Investment Verdict
Avoid
Score 29/100 · Position size: 0%
Fundamentals/valuations or risk flags are weak. Avoid for long-term investing.
Trading Verdict
Avoid
Score 9/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Gujrat Credit Corporation Ltd is currently trading near a key support level, with recent volume indicating increased buying interest. If it breaks above the resistance level at 150, it could see an upside potential of approximately 20%. However, if it falls below the support level at 120, there is a downside risk of around 15%.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Gujrat Credit Corporation Ltd is a leading financial services provider in India, specializing in offering a range of credit solutions tailored for individuals and businesses. With a commitment to empowering customers through accessible financing, the company plays a vital role in supporting economic growth and financial inclusion. Its robust portfolio and customer-centric approach make it a trusted partner for those seeking reliable credit options.
- Established leader in financial services
- Tailored credit solutions for individuals and businesses
- Focus on financial inclusion and empowerment
- Strong customer-centric approach
- Contributes to economic growth in India
Investment Thesis
Gujarat Credit Corporation Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth and shareholder value enhancement.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate upside potential.
- Solid financials and strategic initiatives support long-term growth.
- Focus on customer-centric solutions positions the company well in the evolving market.
Opportunity vs Risk
Opportunities
- Strong growth in digital lending
- Expanding customer base in rural areas
- Potential for higher interest rates
- Diversification into new financial products
Risks ⚠️
- Regulatory changes affecting lending
- High competition in fintech sector
- Economic downturn impacting loan repayments
- Rising default rates among borrowers
Peer Perspective
Gujrat Credit Corporation Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to its lower growth rate; a focus on margin stability could trigger a rerating in the future.
Future Outlook
Gujrat Credit Corporation Ltd shows promising potential for growth, provided the company maintains strong execution and effective cost control measures. Continued focus on innovation and customer service will be key to sustaining its competitive edge.
AI FAQs for Retail Users
- Q: What does Gujrat Credit Corporation Ltd do?A: Gujrat Credit Corporation Ltd primarily offers financial services, including loans and investment products.
- Q: Is Gujrat Credit Corporation Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: How can I buy shares of Gujrat Credit Corporation Ltd?A: Shares can be purchased through a stockbroker or online trading platform.
- Q: What are the risks associated with investing in this stock?A: Risks include market volatility, company performance, and regulatory changes affecting financial services.
- Q: Where can I find financial reports for Gujrat Credit Corporation Ltd?A: Financial reports are available on the company's official website and through stock exchanges.
📊 Stock Investment Checklist (100 Points)
Gujrat Credit Corporation Ltd • Updated: 2025-09-17 06:49:41
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8BusinessHighThe company operates in a sector with moderate growth potential but lacks a significant competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
-
10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
-
9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
-
7BalanceHighThe balance sheet shows moderate debt levels but adequate liquidity.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding operations.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Gujrat Credit Corporation Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100