Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Classic Leasing & FinanceBOM:540481 -0.84%39 Piotroski F-Score is 7 as of Jul. 17, 2026, which is 75% above its 10-year median of 4.00. GuruFocus rates BOM:540481 with a GF Score™ of 39/100 and a GF Value™ of ₹19.48 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 533 Credit Services companies, Classic Leasing & Finance ranks better than 92.5% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Classic Leasing & Finance has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Classic Leasing & Finance's Piotroski F-Score or its related term are showing as below:
BOM:540481'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 4 Max: 8
Current: 7
During the past 13 years, the highest Piotroski F-Score of Classic Leasing & Finance was 8. The lowest was 2. And the median was 4.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Classic Leasing & Finance Piotroski F-Score Related Terms
Classic Leasing & Finance Piotroski F-Score Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:540481 vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, Classic Leasing & Finance's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Classic Leasing & Finance Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Classic Leasing & Finance's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Classic Leasing & Finance's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Classic Leasing & Finance's current Net Income (TTM) was 11.17.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Classic Leasing & Finance's current Cash Flow from Operations (TTM) was 10.68.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Classic Leasing & Finance's return on assets of this year was 0.19566512. Classic Leasing & Finance's return on assets of last year was 0.12904848.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Classic Leasing & Finance's gearing of this year was 0.95118166. Classic Leasing & Finance's gearing of last year was 1.98928372.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Classic Leasing & Finance's current ratio of this year was 1120.66666667. Classic Leasing & Finance's current ratio of last year was 304.69127517.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Classic Leasing & Finance's number of shares in issue this year was 11.178. Classic Leasing & Finance's number of shares in issue last year was 2.961.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Classic Leasing & Finance's gross margin of this year was 0.93387125. Classic Leasing & Finance's gross margin of last year was 0.77195282.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Classic Leasing & Finance's asset turnover of this year was 0.19978273. Classic Leasing & Finance's asset turnover of last year was 0.19189605.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
1
+
0
+
1
+
1
+
0
+
1
+
1
=
7
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Classic Leasing & Finance has an F-score of 7. It is a good or high score, which usually indicates a very healthy situation.
Classic Leasing & Finance (BOM:540481) has a Piotroski F-Score of 7 as of Jul. 17, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Classic Leasing & Finance and its competitors. This is 75% above median its historical median of 4.00. Over the past decade, Classic Leasing & Finance's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Classic Leasing & Finance ranks #40 out of 533 companies in the Credit Services industry, placing it in the top 7.5%.
Is Classic Leasing & Finance's Piotroski F-Score too high?
Classic Leasing & Finance's current Piotroski F-Score of 7 is 75% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Credit Services industry median Piotroski F-Score is 5.00. Classic Leasing & Finance's value of 7 is 40% above this industry median. Based on the distribution chart, Classic Leasing & Finance ranks #40 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Classic Leasing & Finance has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Classic Leasing & Finance's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, Classic Leasing & Finance ranks #40 out of 533 companies for Piotroski F-Score. This places Classic Leasing & Finance in the top 8% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 5.00. Classic Leasing & Finance's value of 7 is 40% above this benchmark. Historically, Classic Leasing & Finance's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 5.00, Classic Leasing & Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Classic Leasing & Finance's current Piotroski F-Score of 7 is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Classic Leasing & Finance and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Classic Leasing & Finance's current Piotroski F-Score is 7, which is 75% above median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Classic Leasing & Finance stock overvalued right now?
Based on GuruFocus' analysis, Classic Leasing & Finance (BOM:540481) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹19.48, compared to a current price of ₹59.20 — trading 203.9% above its estimated fair value. The current Piotroski F-Score is 7, which is 75% above median its 10-year median of 4.00 and 40% above the Credit Services industry median of 5.00. Classic Leasing & Finance's overall GF Score™ is 39/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Classic Leasing & Finance (BOM:540481), the current Piotroski F-Score is 7 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Classic Leasing & Finance (BOM:540481) Overvalued in 2026?
Based on GuruFocus' analysis, Classic Leasing & Finance stock appears to be overvalued.
The current stock price of ₹59.20 is trading 203.9% above its estimated GF Value™ of ₹19.48.
GuruFocus considers Classic Leasing & Finance to be Significantly Overvalued.
Key valuation signals for BOM:540481:
Piotroski F-Score: 7 (75% above median its 10-year median of 4.00)
GF Value™: ₹19.48 vs. price of ₹59.20 (203.9% above fair value)
Industry Position: 40% above the Credit Services median (#40 of 533)
No single metric tells the full story. See the BOM:540481 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Classic Leasing & Finance Ltd provides credit solutions for situations like initial funding requirements, mezzanine financing, acquisition financing, short-term and long-term working capital requirements, etc. Its portfolio of custom-made credit solutions includes project funding, acquisition financing, corporate loans, and structured debt financing.
39GF Score
Get the complete analysis for BOM:540481
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:540481 has been successfully added to your 
