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Last Updated: October 10, 2025, 9:40 pm
Author: Getaka|Social: XLinkedIn

IDFC Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹112.43Fairly Valued by 4.10%vs CMP ₹108.00

P/E (19.9) × ROE (8.4%) × BV (₹83.60) × DY (0.93%)

₹91.38Overvalued by 15.39%vs CMP ₹108.00
MoS: -18.2% (Negative)Confidence: 53/100 (Moderate)Models: 2 Under, 1 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹172.5824%Under (+59.8%)
Graham NumberEarnings₹100.9714%Fair (-6.5%)
Earnings PowerEarnings₹73.7412%Over (-31.7%)
DCFCash Flow₹132.9812%Under (+23.1%)
Net Asset ValueAssets₹83.668%Over (-22.5%)
EV/EBITDAEnterprise₹2.7510%Over (-97.5%)
Earnings YieldEarnings₹54.208%Over (-49.8%)
ROCE CapitalReturns₹7.538%Over (-93%)
Revenue MultipleRevenue₹0.626%Over (-99.4%)
Consensus (9 models)₹91.38100%Overvalued
Key Drivers: EPS CAGR 53.5% lifts DCF — verify sustainability. | Wide model spread (₹1–₹173) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 53.5%

*Investments are subject to market risks

Investment Snapshot

48
IDFC Ltd scores 48/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health58/100 · Moderate
ROCE 8.5% AverageROE 8.4% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money50/100 · Moderate
FII holding up 0.79% (6mo) Slight increaseDII holding down 1.07% MF selling
Earnings Quality55/100 · Moderate
OPM expanding (-646% → 64%) ImprovingWorking capital: 1,186 days Capital intensive
Quarterly Momentum15/100 · Weak
Revenue (4Q): -68% YoY DecliningProfit (4Q): -80% YoY DecliningOPM: 35.0% (down 37.0% YoY) Margin pressure
Industry Rank60/100 · Moderate
P/E 19.9 vs industry 24.1 In-lineROCE 8.5% vs industry 12.5% Average3Y sales CAGR: 25% High growth

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.

IDFC Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
50/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 19.9 vs Ind 24.1 | ROCE 8.5% | ROE 8.4% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 45.28x | Borrow/Reserve 0.00x
Cash Flow Reliability
29/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹1,046 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII -0.17 pp | DII +0.89 pp | Prom N/A
Business Momentum
-100
Early weakness
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales +20.0% | Q NP -75.3% | Q OPM -38.0 pp
Derived FieldValueHow it is derived
Valuation Gap %-15.4%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change-0.17 ppLatest FII% minus previous FII%
DII Change+0.89 ppLatest DII% minus previous DII%
Promoter ChangeN/ALatest promoter% minus previous promoter%
Shareholder Count Change+4,761Latest shareholder count minus previous count
Quarterly Sales Change+20.0%Latest quarter sales vs previous quarter sales
Quarterly Profit Change-75.3%Latest quarter net profit vs previous quarter net profit
Quarterly OPM Change-38.0 ppLatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: October 10, 2025, 9:40 pm

Market Cap 17,275 Cr.
Current Price 108
Intrinsic Value₹91.38
High / Low /
Stock P/E19.9
Book Value 83.6
Dividend Yield0.93 %
ROCE8.49 %
ROE8.37 %
Face Value 10.0
PEG Ratio0.37

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

View Share Price Target for IDFC Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
IDFC Ltd 17,275 Cr. 108 /19.9 83.60.93 %8.49 %8.37 % 10.0
Choice International Ltd 14,263 Cr. 640 860/47468.2 54.90.00 %20.0 %19.6 % 10.0
BF Investment Ltd 1,305 Cr. 347 562/3157.94 1,8800.00 %4.62 %3.39 % 5.00
Abans Holdings Ltd 1,019 Cr. 201 270/1737.92 2330.00 %9.71 %10.2 % 2.00
Max India Ltd 741 Cr. 141 242/120 89.10.00 %23.6 %30.0 % 10.0
Industry Average56,762.86 Cr1,713.0024.061,273.510.29%12.46%13.71%6.86

All Competitor Stocks of IDFC Ltd

Quarterly Result

MetricJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
Sales 329542224930532737-81012
Expenses 45653668344976538
Operating Profit -4532418-414472541931-1374
OPM % -16,431%81%33%-163%65%94%85%7%72%84%73%35%
Other Income 46246362152452972493,75425620021834482
Interest 0000000070000
Depreciation 1000000000000
Profit before tax -409269542112603432753,75826823020535187
Tax % 0%3%67%8%3%3%1%10%1%3%-3%1%1%
Net Profit -410263181942523322723,38726422421034886
EPS in Rs -2.571.640.111.221.582.081.7021.171.651.401.312.170.54

Last Updated: February 5, 2026, 3:06 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: December 15, 2025, 5:13 am

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 8,1458,7789,7208,96810,40062835634234881546651
Expenses 8441,1411,7771,4901,8065171,2001,27450325642121
Operating Profit 7,3017,6377,9437,4788,594112-844-932-46964914429
OPM % 90%87%82%83%83%18%-237%-273%-1,364%72%59%68%58%
Other Income 312-0-2,640-3984-10731171614,5451,016843
Interest 4,6765,0555,6585,7366,650163100070
Depreciation 3431-616214913143230000
Profit before tax 2,5942,5632,346-9591,7911,082-970-936-3111254,6351,054872
Tax % 29%29%25%-38%27%18%-15%6%8%48%8%1%
Net Profit 1,8441,8261,728-6571,240885-822-996-337644,2441,046867
EPS in Rs 12.1211.8910.72-5.864.385.44-5.26-6.23-2.100.4026.526.535.42
Dividend Payout % 21%22%24%0%6%14%0%-51%0%249%45%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)-0.98%-5.37%-138.02%288.74%-28.63%-192.88%-21.17%66.16%118.99%6531.25%-75.35%
Change in YoY Net Profit Growth (%)0.00%-4.39%-132.65%426.76%-317.37%-164.25%171.71%87.33%52.83%6412.26%-6606.60%

IDFC Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:-39%
5 Years:-29%
3 Years:24%
TTM:-68%
Compounded Profit Growth
10 Years:-5%
5 Years:30%
3 Years:62%
TTM:21%
Stock Price CAGR
10 Years:6%
5 Years:30%
3 Years:16%
1 Year:-5%
Return on Equity
10 Years:1%
5 Years:-6%
3 Years:-5%
Last Year:8%

Last Updated: September 5, 2025, 6:45 am

Balance Sheet

Last Updated: August 11, 2025, 2:05 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital 1,5151,5161,5931,5941,5961,5961,5961,5961,5961,5961,6001,600
Reserves 12,16813,52415,6848,5159,2249,6808,7886,7246,6197,3309,99711,781
Borrowings 54,22756,56566,25265,74992,1533,54404738000
Other Liabilities 3,1463,5543,53410,99414,6507671732001102378948
Total Liabilities 71,05675,15987,06286,851117,62315,58710,5588,5688,3629,16411,68613,429
Fixed Assets 1,3021,2851,3701,7252,2021,270885918834000
CWIP 01142960000000
Investments 11,00411,30929,97530,70351,6879,3798,6736,6817,3867,70211,22112,964
Other Assets 58,75062,56555,70354,39463,7284,9371,0009691431,461466464
Total Assets 71,05675,15987,06286,851117,62315,58710,5588,5688,3629,16411,68613,429

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity + -5,498-1,4867,5242,994-3,806-7613,418-1,206-102434,128860
Cash from Investing Activity + -2,006184-17,6288,640-20,361-7131542,386-509204-2,356-906
Cash from Financing Activity + 7,5891,43210,010-8,89126,3821,183-3,729-652-25-3-1,9000
Net Cash Flow 85130-942,7432,215-291-157528-636244-129-47
Free Cash Flow -5,461-1,4907,4862,557-4,085-7733,423-1,225-38984,128860
CFO/OP -64%-19%95%55%-68%-504%-415%125%12%240%5,065%2,266%

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-47.00-49.00-59.00-58.00-84.00109.00-844.00-979.00-507.0064.0091.0044.00

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

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days 727212131419135-0-0-0
Inventory Days
Days Payable
Cash Conversion Cycle 727212131419135-0-0-0
Working Capital Days -504-383-739-708-1,477-24159153-3713,945841,186
ROCE %11%11%10%9%9%2%-5%-10%-5%0%-24%8%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
FIIs 24.27%23.31%21.34%20.58%21.22%21.45%20.42%21.75%20.03%19.54%20.99%20.82%
DIIs 6.19%7.08%11.84%12.49%16.86%17.38%20.48%20.67%15.64%14.77%13.68%14.57%
Government 16.37%16.37%16.37%16.37%16.48%16.46%16.45%16.45%16.45%16.45%16.45%16.45%
Public 53.17%53.24%50.45%50.55%45.44%44.72%42.65%41.13%47.86%49.23%48.87%48.15%
No. of Shareholders 4,42,4104,56,8374,44,3854,56,4084,34,8814,40,1694,61,9684,52,8425,80,4056,40,5536,73,9156,78,676

Shareholding Pattern Chart

No. of Shareholders

IDFC Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Small Cap Fund - Regular Plan 51,071,544 2.52 584.7751,071,5442025-04-22 17:25:320%
Nippon India Arbitrage Fund 8,410,000 0.85 96.298,410,0002025-04-22 17:25:320%
Kotak Balanced Advantage Fund 8,070,000 0.63 92.48,070,0002025-04-22 17:25:320%
SBI Arbitrage Opportunities Fund 6,840,000 0.35 78.326,840,0002025-04-22 17:25:320%
Tata Hybrid Equity Fund - Regular Plan 6,800,000 2.35 77.866,800,0002025-04-22 17:25:320%
ICICI Prudential Equity - Arbitrage Fund 6,290,000 0.47 72.026,290,0002025-04-22 17:25:320%
Aditya Birla Sun Life Flexi Cap Fund 6,085,520 0.41 69.686,085,5202025-04-22 17:25:320%
Kotak Equity Savings Fund - Regular Plan 4,500,000 1.57 51.534,500,0002025-04-22 17:25:320%
Aditya Birla Sun Life Banking And Financial Services Fund 4,279,800 1.76 494,279,8002025-04-22 17:25:320%
DSP Arbitrage Fund 3,890,000 1.7 44.543,890,0002025-04-22 17:25:320%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 6.5326.560.40-2.11-6.24
Diluted EPS (Rs.) 6.5326.560.40-2.11-6.24
Cash EPS (Rs.) 0.2020.440.370.940.24
Book Value[Excl.RevalReserv]/Share (Rs.) 83.6372.4855.9151.4652.12
Book Value[Incl.RevalReserv]/Share (Rs.) 83.6372.4855.9151.4652.12
Revenue From Operations / Share (Rs.) 0.400.960.552.552.13
PBDIT / Share (Rs.) 0.290.560.351.460.76
PBIT / Share (Rs.) 0.290.560.321.340.56
PBT / Share (Rs.) 0.250.560.321.250.55
Net Profit / Share (Rs.) 0.2020.440.350.810.05
NP After MI And SOA / Share (Rs.) 6.5326.520.40-2.10-6.23
PBDIT Margin (%) 72.7058.9263.7757.4235.95
PBIT Margin (%) 72.6458.8759.7352.4426.68
PBT Margin (%) 61.5558.8759.1949.2425.92
Net Profit Margin (%) 49.422125.5664.7431.962.44
NP After MI And SOA Margin (%) 1595.332758.8172.72-82.57-291.99
Return on Networth / Equity (%) 7.8136.590.71-4.09-11.95
Return on Capital Employeed (%) 0.350.770.582.571.08
Return On Assets (%) 7.7836.310.69-4.01-11.61
Asset Turnover Ratio (%) 0.010.010.010.000.01
Current Ratio (X) 1374.24253.7341.9481.1645.28
Quick Ratio (X) 1374.24253.7341.9481.1645.28
Dividend Payout Ratio (NP) (%) 0.0038.430.000.00-50.54
Dividend Payout Ratio (CP) (%) 0.0038.420.000.00-52.19
Earning Retention Ratio (%) 0.0061.570.000.00150.54
Cash Earning Retention Ratio (%) 0.0061.580.000.00152.19
Interest Coverage Ratio (X) 6.550.00116.9817.9247.48
Interest Coverage Ratio (Post Tax) (X) 5.460.00-16.4610.9511.83
Enterprise Value (Cr.) 17462.5212182.469546.057485.291646.59
EV / Net Operating Revenue (X) 266.4479.19108.4218.394.83
EV / EBITDA (X) 366.47134.40170.0132.0313.44
MarketCap / Net Operating Revenue (X) 270.1281.65111.6918.566.96
Retention Ratios (%) 0.0061.560.000.00150.54
Price / BV (X) 1.321.081.100.910.28
Price / Net Operating Revenue (X) 270.5481.69111.8018.566.96
EarningsYield 0.050.330.01-0.04-0.41

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fundamental Analysis of IDFC Ltd

IDFC Ltd. is a Public Limited Listed company incorporated on 30/01/1997 and has its registered office in the State of Tamil Nadu, India. Company’s Corporate Identification Number(CIN) is L65191TN1997PLC037415 and registration number is 037415. Currently company belongs to the Industry of Finance - Term Lending Institutions. Company’s Total Operating Revenue is Rs. 54.68 Cr. and Equity Capital is Rs. 1596.44 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Holding Company4th Floor, Capital Tower, Chennai (Madras) Tamil Nadu 600018info@idfclimited.com
http://www.idfclimited.com
Management
NamePosition Held
Mr. Anil SinghviChairman(NonExe.&Ind.Director)
Mr. Mahendra N ShahManaging Director
Mr. Bipin GemaniWholeTime Director & CFO
Mr. Ajay SondhiIndependent Director
Dr. Jaimini BhagwatiIndependent Director
Ms. Anita BelaniIndependent Director

IDFC Ltd. Share Price Update

Share PriceValue
Today₹114.85
Previous Day₹114.35

FAQ

What is the intrinsic value of IDFC Ltd and is it undervalued?

As of 05 April 2026, IDFC Ltd's intrinsic value is ₹91.38, which is 15.39% lower than the current market price of ₹108.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (8.37 %), book value (₹83.6), dividend yield (0.93 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of IDFC Ltd?

IDFC Ltd is trading at ₹108.00 as of 05 April 2026, with a FY2026-2027 high of ₹ and low of ₹. Market cap stands at ₹17,275 Cr..

How does IDFC Ltd's P/E ratio compare to its industry?

IDFC Ltd has a P/E ratio of 19.9, which is below the industry average of 24.06. This is broadly in line with or below the industry average.

Is IDFC Ltd financially healthy?

Key indicators for IDFC Ltd: ROCE of 8.49 % is on the lower side compared to the industry average of 12.46%. Dividend yield is 0.93 %.

Is IDFC Ltd profitable and how is the profit trend?

IDFC Ltd reported a net profit of ₹1,046 Cr in Mar 2024 on revenue of ₹66 Cr. Compared to ₹-337 Cr in Mar 2021, the net profit shows an improving trend.

Does IDFC Ltd pay dividends?

IDFC Ltd has a dividend yield of 0.93 % at the current price of ₹108.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IDFC Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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