Gujarat Credit Corporation Analysis

dividend

Pros

Cons

• Unable to evaluate Gujarat Credit's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
• Unable to evaluate Gujarat Credit's dividend against the top 25% market benchmark as the company has not reported any payouts.

health

Pros

• Gujarat Credit is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
• The level of debt compared to net worth has been reduced over the past 5 years (182.5% vs 148.9% today).

Cons

• Gujarat Credit has less than a year of cash runway if free cash flow continues to grow at historical rates of 13.9% each year.
• Gujarat Credit has less than a year of cash runway based on current free cash flow.
• Operating cash flow is negative therefore debt is not well covered.
• Debt is not covered by short term assets, assets are 0x debt.
• Gujarat Credit's long term commitments exceed its cash and other short term assets.
• Gujarat Credit's level of debt (148.9%) compared to net worth is high (greater than 40%).
• High level of physical assets or inventory.

management

Pros

• The average tenure for the Gujarat Credit board of directors is over 10 years, this suggests they are a seasoned and experienced board.

Cons

misc

Pros

Cons

• Gujarat Credit is not covered by any analysts.
• Gujarat Credit has significant price volatility in the past 3 months.

past

Pros

Cons

• Unable to compare Gujarat Credit's 1-year earnings growth to the 5-year average as it is not currently profitable.
• Gujarat Credit does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
• It is difficult to establish if Gujarat Credit has efficiently used its assets last year compared to the IN Real Estate industry average (Return on Assets) as it is loss-making.
• It is difficult to establish if Gujarat Credit improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
• It is difficult to establish if Gujarat Credit has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
• Unable to compare Gujarat Credit's 1-year growth to the IN Real Estate industry average as it is not currently profitable.

value

Pros

• Gujarat Credit is good value based on assets compared to the IN Real Estate industry average.
• 511441 outperformed the Real Estate industry which returned -24.3% over the past year.
• 511441 outperformed the Market in India which returned -14.5% over the past year.

Cons

• Gujarat Credit is loss making, we can't compare its value to the IN Real Estate industry average.
• Gujarat Credit is loss making, we can't compare the value of its earnings to the India market.
• BSE:511441 is down -8% underperforming the Real Estate industry which returned 13.9% over the past month.
• BSE:511441 is down -8% underperforming the market in India which returned 8% over the past month.