EFC (I) Ltd: Intrinsic Value & Share Price Analysis

Q: What is the intrinsic value of EFC (I) Ltd and is it undervalued?

As of 22 April 2026, EFC (I) Ltd's intrinsic value is 257.82, which is 35.69% higher than the current market price of 190.00, suggesting the stock is undervalued. Calculated using the PE ratio method factoring in ROE (23.3 %), book value (45.3), dividend yield (0.00 %), and 5-year EPS CAGR.

Q: What is the current share price and 52-week range of EFC (I) Ltd?

EFC (I) Ltd is trading at 190.00 as of 22 April 2026, with a FY2026-2027 high of 374 and low of 177. The stock is currently near its 52-week low. Market cap stands at 2,608 Cr..

Q: Is EFC (I) Ltd financially healthy?

Key indicators: ROCE of 21.4 % indicates efficient capital utilization. Dividend yield is 0.00 %.

Q: Is EFC (I) Ltd profitable and how is the profit trend?

EFC (I) Ltd reported a net profit of 141 Cr in Mar 2025 on revenue of 657 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹122.30Overvalued by 35.63%vs CMP ₹190.00

P/E (14.2) × ROE (23.3%) × BV (₹45.30) × DY (2.00%)

₹257.82Undervalued by 35.69%vs CMP ₹190.00

MoS: +26.3% (Adequate)Confidence: 48/100 (Moderate)Models: 3 Under, 5 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹539.67	26%	Under (+184%)
Graham Number	Earnings	₹130.58	19%	Over (-31.3%)
DCF	Cash Flow	₹302.22	13%	Under (+59.1%)
Net Asset Value	Assets	₹45.31	8%	Over (-76.2%)
EV/EBITDA	Enterprise	₹293.89	11%	Under (+54.7%)
Earnings Yield	Earnings	₹167.30	8%	Over (-11.9%)
ROCE Capital	Returns	₹12.14	8%	Over (-93.6%)
Revenue Multiple	Revenue	₹47.86	6%	Over (-74.8%)
Consensus (8 models)		₹257.82	100%	Undervalued

Key Drivers: EPS CAGR 341.3% lifts DCF — verify sustainability. | Wide model spread (₹12–₹540) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 341.3%

*Investments are subject to market risks

Analyst Summary

EFC (I) Ltd operates in the Realty segment, NSE: EFCIL | BSE: 512008, current market price is ₹190.00, market cap is 2,608 Cr.. At a glance, stock P/E is 14.2, ROE is 23.3 %, ROCE is 21.4 %, book value is 45.3, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹257.82, which is about 35.7% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹657 Cr versus the prior period change of 56.8%, while latest net profit is about ₹141 Cr with a prior-period change of 123.8%. The 52-week range shown on this page is 374/177, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisEFC (I) Ltd. is a Public Limited Listed company incorporated on 07/02/1984 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L74110PN1…

This summary is generated from the stock page data available for EFC (I) Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

EFC (I) Ltd scores 75/100 (Strong)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health72/100 · Strong

ROCE 21.4% ExcellentROE 23.3% ExcellentD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed

Smart Money55/100 · Moderate

FII holding down -1.51% (6mo) SellingDII holding up 1.22% MF buyingPromoter increased by 14.99% Positive

Earnings Quality75/100 · Strong

OPM expanding (27% → 47%) ImprovingWorking capital: 4 days (improving) Efficient

Quarterly Momentum80/100 · Strong

Revenue (4Q): +78% YoY AcceleratingProfit (4Q): +77% YoY StrongOPM: 41.0% (down 11.0% YoY) Margin pressure

Industry Rank90/100 · Strong

P/E 14.2 vs industry 28.7 Cheaper than peersROCE 21.4% vs industry 12.3% Above peersROE 23.3% vs industry 12.6% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:31 am

Market Cap	2,608 Cr.
Current Price	190
Intrinsic Value	₹257.82
High / Low	374/177
Stock P/E	14.2
Book Value	45.3
Dividend Yield	0.00 %
ROCE	21.4 %
ROE	23.3 %
Face Value	2.00
PEG Ratio	0.04

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for EFC (I) Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
EFC (I) Ltd	2,608 Cr.	190	374/177	14.2	45.3	0.00 %	21.4 %	23.3 %	2.00
Kolte Patil Developers Ltd	2,640 Cr.	298	498/292	62.3	138	0.00 %	10.9 %	13.2 %	10.0
Arvind SmartSpaces Ltd	2,431 Cr.	529	757/487	33.2	130	1.13 %	19.0 %	18.8 %	10.0
Ashiana Housing Ltd	3,016 Cr.	300	376/248	25.7	78.6	0.83 %	3.33 %	2.74 %	2.00
Alembic Ltd	1,964 Cr.	76.5	126/70.5	6.16	98.8	3.14 %	6.90 %	13.7 %	2.00
Industry Average	14,426.24 Cr	370.03		28.73	148.62	0.68%	12.33%	12.56%	6.13

All Competitor Stocks of EFC (I) Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	26	60	56	98	172	93	102	166	177	211	220	255	270
Expenses	21	25	27	58	111	41	56	87	85	102	117	144	158
Operating Profit	5	35	29	40	61	52	46	79	93	109	102	111	112
OPM %	20%	58%	52%	41%	35%	56%	45%	48%	52%	52%	47%	44%	41%
Other Income	-2	0	1	1	2	6	3	5	4	5	4	2	7
Interest	0	6	10	7	11	7	5	7	18	15	12	6	10
Depreciation	0	16	17	20	20	19	23	21	26	30	28	31	26
Profit before tax	3	14	3	15	31	32	21	56	52	71	66	76	82
Tax %	34%	32%	-7%	24%	33%	13%	26%	34%	23%	32%	29%	25%	24%
Net Profit	2	9	3	11	21	28	16	37	40	48	47	57	62
EPS in Rs	0.32	1.29	0.67	1.04	2.01	2.81	1.52	2.90	4.43	3.09	3.46	5.57	4.61

Last Updated: March 3, 2026, 10:08 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 4:40 am

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	0	103	419	657	955
Expenses	0	48	237	329	521
Operating Profit	-0	55	183	328	434
OPM %		54%	44%	50%	45%
Other Income	0	1	9	18	18
Interest	0	15	35	46	43
Depreciation	0	34	76	100	115
Profit before tax	0	7	81	200	294
Tax %	50%	46%	22%	30%
Net Profit	0	4	63	141	214
EPS in Rs	0.01	0.63	5.82	11.33	16.73
Dividend Payout %	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2023-2024	2024-2025
YoY Net Profit Growth (%)	1475.00%	123.81%
Change in YoY Net Profit Growth (%)	0.00%	-1351.19%

EFC (I) Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 2 years from 2023-2024 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	66%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	2143%
TTM:	95%

Stock Price CAGR
10 Years:	50%
5 Years:	121%
3 Years:	181%
1 Year:	33%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	23%
Last Year:	23%

Last Updated: September 5, 2025, 3:21 pm

Balance Sheet

Last Updated: December 4, 2025, 2:48 am

Month	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	0.70	7	10	20	20
Reserves	1	66	417	523	602
Borrowings	0	324	406	878	1,102
Other Liabilities	0	80	146	276	447
Total Liabilities	2	476	979	1,697	2,171
Fixed Assets	0	341	371	702	756
CWIP	0	19	27	0	10
Investments	0	0	0	5	5
Other Assets	2	116	580	990	1,400
Total Assets	2	476	979	1,697	2,171

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-0	-51	11	134
Cash from Investing Activity +	1	-35	-256	-105
Cash from Financing Activity +	0	89	255	-24
Net Cash Flow	1	2	10	4
Free Cash Flow	-0	-71	-50	-12
CFO/OP	100%	-84%	14%	48%

Free Cash Flow

Month	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	0.00	-269.00	-223.00	-550.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2023	Mar 2024	Mar 2025
Debtor Days	52	108	55
Inventory Days		155
Days Payable		348
Cash Conversion Cycle	52	-85	55
Working Capital Days	-48	100	4
ROCE %	11%	19%	21%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	67.03%	65.36%	56.81%	56.81%	45.58%	45.58%	45.58%	45.58%	45.55%	45.46%	45.46%	60.45%
FIIs	4.81%	4.57%	6.51%	6.72%	6.47%	5.45%	5.36%	4.59%	3.87%	4.22%	3.84%	2.36%
DIIs	0.00%	0.00%	0.00%	0.00%	1.61%	1.78%	2.03%	3.72%	4.58%	5.14%	6.71%	5.80%
Public	28.17%	30.05%	36.67%	36.47%	46.35%	47.20%	47.05%	46.11%	46.01%	45.18%	43.99%	31.38%
No. of Shareholders	694	786	1,538	2,551	3,889	4,961	9,638	15,968	18,633	21,021	23,727	25,196

Shareholding Pattern Chart

No. of Shareholders

EFC (I) Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Bandhan Small Cap Fund	2,535,326	0.28	56.74	2,228,537	2026-03-24 00:23:01	13.77%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22
FaceValue	2.00	2.00	10.00	10.00
Basic EPS (Rs.)	14.14	14.06	9.20	0.18
Diluted EPS (Rs.)	14.14	14.06	8.34	0.18
Cash EPS (Rs.)	24.15	27.91	56.19	0.18
Book Value[Excl.RevalReserv]/Share (Rs.)	18.72	86.65	109.54	23.55
Book Value[Incl.RevalReserv]/Share (Rs.)	18.72	86.65	109.54	23.55
Revenue From Operations / Share (Rs.)	65.97	82.43	151.19	0.00
PBDIT / Share (Rs.)	34.67	38.56	82.41	0.27
PBIT / Share (Rs.)	24.66	23.36	31.87	0.27
PBT / Share (Rs.)	20.07	16.27	10.53	0.27
Net Profit / Share (Rs.)	14.14	12.72	5.66	0.18
NP After MI And SOA / Share (Rs.)	11.33	12.72	5.66	0.18
PBDIT Margin (%)	52.56	46.77	54.50	0.00
PBIT Margin (%)	37.38	28.34	21.08	0.00
PBT Margin (%)	30.42	19.73	6.96	0.00
Net Profit Margin (%)	21.43	15.42	3.74	0.00
NP After MI And SOA Margin (%)	17.17	15.42	3.74	0.00
Return on Networth / Equity (%)	60.53	14.83	5.32	0.76
Return on Capital Employeed (%)	17.88	14.14	5.83	1.16
Return On Assets (%)	6.63	6.61	0.81	0.76
Long Term Debt / Equity (X)	1.13	0.26	0.74	0.00
Total Debt / Equity (X)	1.24	0.26	0.80	0.00
Asset Turnover Ratio (%)	0.49	0.57	0.16	0.00
Current Ratio (X)	1.46	3.35	0.89	295.65
Quick Ratio (X)	1.45	3.16	0.89	295.65
Inventory Turnover Ratio (X)	48.07	0.00	0.00	0.00
Interest Coverage Ratio (X)	7.56	5.43	3.86	192.00
Interest Coverage Ratio (Post Tax) (X)	4.08	2.79	1.26	127.00
Enterprise Value (Cr.)	2593.09	1578.58	702.89	8.27
EV / Net Operating Revenue (X)	3.95	3.85	6.81	0.00
EV / EBITDA (X)	7.51	8.23	12.49	430.83
MarketCap / Net Operating Revenue (X)	3.75	4.01	6.25	0.00
Price / BV (X)	13.23	3.85	8.89	5.42
Price / Net Operating Revenue (X)	3.75	4.01	6.25	0.00
EarningsYield	0.04	0.03	0.01	0.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

EFC (I) Ltd. is a Public Limited Listed company incorporated on 07/02/1984 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L74110PN1984PLC216407 and registration number is 020026. Currently Company is involved in the business activities of Real estate activities with own or leased property. Company's Total Operating Revenue is Rs. 20.04 Cr. and Equity Capital is Rs. 19.91 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Realty	6th Floor, VB Capitol Building, Range Hill Road, Opp. Hotel Symphony, Pune Maharashtra 411007	Contact not found

Management
Name	Position Held
Mr. Umesh Kumar Sahay	Chairman & Managing Director
Mr. Nikhil Dilipbhai Bhuta	Whole Time Director
Mr. Abhishek Narbaria	Non Exe.Non Ind.Director
Mr. Rajesh Chandrakant Vaishnav	Independent Director
Ms. Gayathri Srinivasan Iyer	Independent Director
Mr. Mangina Srinivas Rao	Independent Director

FAQ

What is the intrinsic value of EFC (I) Ltd and is it undervalued?

As of 22 April 2026, EFC (I) Ltd's intrinsic value is ₹257.82, which is 35.69% higher than the current market price of ₹190.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (23.3 %), book value (₹45.3), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of EFC (I) Ltd?

EFC (I) Ltd is trading at ₹190.00 as of 22 April 2026, with a FY2026-2027 high of ₹374 and low of ₹177. The stock is currently near its 52-week low. Market cap stands at ₹2,608 Cr..

How does EFC (I) Ltd's P/E ratio compare to its industry?

EFC (I) Ltd has a P/E ratio of 14.2, which is below the industry average of 28.73. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is EFC (I) Ltd financially healthy?

Key indicators for EFC (I) Ltd: ROCE of 21.4 % indicates efficient capital utilization; ROE of 23.3 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is EFC (I) Ltd profitable and how is the profit trend?

EFC (I) Ltd reported a net profit of ₹141 Cr in Mar 2025 on revenue of ₹657 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does EFC (I) Ltd pay dividends?

EFC (I) Ltd has a dividend yield of 0.00 % at the current price of ₹190.00. The company is currently not paying meaningful dividends.