Gujarat CreditBOM:511441 -5.00%41 ROE % is 17.64% as of Mar. 2026, which is 2457% above its 10-year median of 0.69. GuruFocus rates BOM:511441 with a GF Score™ of 41/100. Among 1,732 Real Estate companies, Gujarat Credit ranks worse than 71.42% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Gujarat Credit's annualized net income for the quarter that ended in Mar. 2026 was ₹20.04 Mil. Gujarat Credit's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₹113.57 Mil. Therefore, Gujarat Credit's annualized ROE % for the quarter that ended in Mar. 2026 was 17.64%.
The historical rank and industry rank for Gujarat Credit's ROE % or its related term are showing as below:
BOM:511441'
s ROE % Range Over the Past 10 Years
Min: -6.48 Med: 0.69 Max: 11.33
Current: -0.2
During the past 13 years, Gujarat Credit's highest ROE % was 11.33%. The lowest was -6.48%. And the median was 0.69%.
BOM:511441's ROE % is ranked worse than 71.42% of 1732
companies
in the Real Estate industry
Industry Median: 3.98
vs BOM:511441: -0.20
Gujarat Credit (BOM:511441) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Gujarat Credit ROE % Related Terms
Gujarat Credit ROE % Historical Data
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The historical data trend for Gujarat Credit's ROE % 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.
For the Real Estate - Development subindustry, Gujarat Credit's ROE %, along with its competitors' market caps and ROE % 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.
Gujarat Credit ROE % vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Gujarat Credit's ROE % distribution charts can be found below:
* The bar in red indicates where Gujarat Credit's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Gujarat Credit (BOM:511441) has a ROE % of 17.64% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Gujarat Credit and its competitors. This is 2457% above median its historical median of 0.69. According to the industry distribution chart, Gujarat Credit ranks #1237 out of 1732 companies in the Real Estate industry, placing it in the top 71.4%.
Is Gujarat Credit's ROE % too high?
Gujarat Credit's current ROE % of 17.64% is 2457% above median its 10-year median of 0.69. The Real Estate industry median ROE % is 3.98. Gujarat Credit's value of 17.64% is 343.2% above this industry median. Based on the distribution chart, Gujarat Credit ranks #1237 out of 1732 companies in the Real Estate industry, which is below the industry midpoint. Overall, Gujarat Credit has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Gujarat Credit's ROE % compare to competitors?
According to the Real Estate industry distribution chart, Gujarat Credit ranks #1237 out of 1732 companies for ROE %. This places Gujarat Credit in the lower half of its industry. The industry median ROE % is 3.98. Gujarat Credit's value of 17.64% is 343.2% above this benchmark. While the company's 10-year median is 0.69 vs. the industry median of 3.98, Gujarat Credit 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 ROE % for a Real Estate company?
The median ROE % among Real Estate companies is 3.98, based on 1,732 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gujarat Credit's current ROE % of 17.64% is 343.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Gujarat Credit and its competitors. For the Real Estate industry, the median ROE % is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gujarat Credit's current ROE % is 17.64%, which is 2457% above median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gujarat Credit stock overvalued right now?
Gujarat Credit (BOM:511441) has a current ROE % of 17.64%. The current ROE % is 17.64%, which is 2457% above median its 10-year median of 0.69 and 343.2% above the Real Estate industry median of 3.98. Gujarat Credit's overall GF Score™ is 41/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Gujarat Credit (BOM:511441), the current ROE % is 17.64% 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.
Gujarat Credit Corp Ltd is engaged in the construction business and is also involved in the real estate development business. It has a portfolio of commercial and residential projects in Gujarat. The company is engaged in the business of trading Real Estate materials. Its services include site acquisition, design, and development, construction, marketing, and sales. The company has constructed a range of structures for corporates, including corporate offices. It focuses on asset classes, including Information Technology Parks, Special Economic Zones, and Townships.
41GF Score
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