Lloyds LuxuriesNSE:LLOYDS -4.95%75 Net Current Asset Value is ₹12.60 as of Mar. 2026, which is 100% below its 10-year median of 25.49. GuruFocus rates NSE:LLOYDS with a GF Score™ of 75/100 and a GF Value™ of ₹149.18 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 32 Personal Services companies, Lloyds Luxuries ranks worse than 68.75% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Lloyds Luxuries's net current asset value per share for the quarter that ended in Mar. 2026 was ₹12.60.
The historical rank and industry rank for Lloyds Luxuries's Net Current Asset Value or its related term are showing as below:
NSE:LLOYDS'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 3.04 Med: 25.49 Max: 34.31
Current: 5.41
During the past 7 years, the highest Price-to-Net-Current-Asset-Value Ratio of Lloyds Luxuries was 34.31. The lowest was 3.04. And the median was 25.49.
NSE:LLOYDS's Price-to-Net-Current-Asset-Value is ranked worse than 68.75% of 32
companies
in the Personal Services industry
Industry Median: 3.495
vs NSE:LLOYDS: 5.41
Lloyds Luxuries (NSE:LLOYDS) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Lloyds Luxuries Net Current Asset Value Related Terms
Lloyds Luxuries Net Current Asset Value Historical Data
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The historical data trend for Lloyds Luxuries's Net Current Asset Value can be seen below:
* 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.
NSE:LLOYDS vs ROL, SCI, FTDR: Net Current Asset Value Comparison
For the Personal Services subindustry, Lloyds Luxuries's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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.
Lloyds Luxuries Price-to-Net-Current-Asset-Value vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Lloyds Luxuries's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Lloyds Luxuries's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of ₹12.60 mean?
Lloyds Luxuries (NSE:LLOYDS) has a Net Current Asset Value of ₹12.60 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Lloyds Luxuries and its competitors. This is 51% below median its historical median of 25.49. Over the past decade, Lloyds Luxuries' Net Current Asset Value has ranged from 3.04 to 34.31. According to the industry distribution chart, Lloyds Luxuries ranks #22 out of 32 companies in the Personal Services industry, placing it in the top 68.7%.
Is Lloyds Luxuries' Net Current Asset Value too high?
Lloyds Luxuries' current Net Current Asset Value of ₹12.60 is 51% below median its 10-year median of 25.49. Over the past 10 years, this metric has ranged from a low of 3.04 to a high of 34.31. Based on the distribution chart, Lloyds Luxuries ranks #22 out of 32 companies in the Personal Services industry, which is below the industry midpoint. Overall, Lloyds Luxuries has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Luxuries' Net Current Asset Value compare to ROL and SCI?
According to the Personal Services industry distribution chart, Lloyds Luxuries ranks #22 out of 32 companies for Net Current Asset Value. This places Lloyds Luxuries in the lower half of its industry. The industry median Net Current Asset Value is 3.50. Historically, Lloyds Luxuries' own Net Current Asset Value has ranged from 3.04 to 34.31 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Personal Services company?
The median Net Current Asset Value among Personal Services companies is 3.50, based on 32 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Lloyds Luxuries and its competitors. For the Personal Services industry, the median Net Current Asset Value is 3.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Luxuries's current Net Current Asset Value is ₹12.60, which is 51% below median its own 10-year median of 25.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lloyds Luxuries stock overvalued right now?
Based on GuruFocus' analysis, Lloyds Luxuries (NSE:LLOYDS) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹149.18, compared to a current price of ₹68.15 — trading 54.3% below its estimated fair value. The current Net Current Asset Value is ₹12.60, which is 51% below median its 10-year median of 25.49. Lloyds Luxuries' overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Lloyds Luxuries (NSE:LLOYDS), the current Net Current Asset Value is ₹12.60 as of Mar. 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 Lloyds Luxuries (NSE:LLOYDS) Overvalued in 2026?
Based on GuruFocus' analysis, Lloyds Luxuries stock appears to be undervalued.
The current stock price of ₹68.15 is trading 54.3% below its estimated GF Value™ of ₹149.18.
GuruFocus considers Lloyds Luxuries to be Significantly Undervalued.
Key valuation signals for NSE:LLOYDS:
Net Current Asset Value: ₹12.60 (51% below median its 10-year median of 25.49)
GF Value™: ₹149.18 vs. price of ₹68.15 (54.3% below fair value)
No single metric tells the full story. See the NSE:LLOYDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lloyds Luxuries Ltd is an organized player of salon services and beauty products in India, focused on sale & services of men's and women's groom care products. The company owns an exclusive franchisee of Truefitt & Hill, which is an international brand offering a wide range of beauty products and salon services for men through luxury barbershops operating across many countries.
75GF Score
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