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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.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Lloyds Luxuries did not have earnings to cover the interest expense.
Lloyds Luxuries's debt to revenue ratio for the quarter that ended in Mar. 2026 was 0.00.
As of today, Lloyds Luxuries's Altman Z-Score is 6.36.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Lloyds Luxuries has the Financial Strength Rank of 9. It shows strong financial strength and is unlikely to fall into distressed situations.
Lloyds Luxuries Financial Strength Related Terms
NSE:LLOYDS vs ROL, SCI, HRB: Financial Strength Comparison
For the Personal Services subindustry, Lloyds Luxuries's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Lloyds Luxuries's Financial Strength distribution charts can be found below:
* The bar in red indicates where Lloyds Luxuries's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Lloyds Luxuries has a Z-score of 6.36, indicating it is in Safe Zones. This implies the Z-Score is strong.
Good Sign:
Altman Z-score of 6.36 is strong.
* 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.
Lloyds Luxuries (NSE:LLOYDS) has a Financial Strength of 9 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Lloyds Luxuries and its competitors. This is near median its historical median of 9.00. Over the past decade, Lloyds Luxuries' Financial Strength has ranged from 5.00 to 10.00.
Is Lloyds Luxuries' Financial Strength too high?
Lloyds Luxuries' current Financial Strength of 9 is near median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. Overall, Lloyds Luxuries has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Luxuries' Financial Strength compare to ROL and SCI?
Lloyds Luxuries' Financial Strength of 9 can be compared against companies in the Personal Services industry. Historically, Lloyds Luxuries' own Financial Strength has ranged from 5.00 to 10.00 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 Financial Strength for a Personal Services company?
A good Financial Strength depends on the Personal Services industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Lloyds Luxuries and its competitors. Lloyds Luxuries's current Financial Strength is 9, which is near median its own 10-year median of 9.00. 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 ₹129.76, compared to a current price of ₹57.00 — trading 56.1% below its estimated fair value. The current Financial Strength is 9, which is near median its 10-year median of 9.00. Lloyds Luxuries' overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Lloyds Luxuries (NSE:LLOYDS), the current Financial Strength is 9 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 ₹57.00 is trading 56.1% below its estimated GF Value™ of ₹129.76.
GuruFocus considers Lloyds Luxuries to be Significantly Undervalued.
Key valuation signals for NSE:LLOYDS:
Financial Strength: 9 (near median its 10-year median of 9.00)
GF Value™: ₹129.76 vs. price of ₹57.00 (56.1% 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.
68GF Score
Get the complete analysis for NSE:LLOYDS
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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