IFCI Ltd: Intrinsic Value & Share Price Analysis

Q: What is the intrinsic value of IFCI Ltd and is it undervalued?

As of 21 April 2026, IFCI Ltd's intrinsic value is 29.91, which is 42.59% lower than the current market price of 52.10, suggesting the stock is overvalued. Calculated using the PE ratio method factoring in ROE (2.60 %), book value (32.9), dividend yield (0.00 %), and 5-year EPS CAGR.

Q: What is the current share price and 52-week range of IFCI Ltd?

IFCI Ltd is trading at 52.10 as of 21 April 2026, with a FY2026-2027 high of 74.5 and low of 35.7. The stock is currently in the middle of its 52-week range. Market cap stands at 14,040 Cr..

Q: Is IFCI Ltd financially healthy?

Key indicators: ROCE of 8.08 % is on the lower side. Dividend yield is 0.00 %.

Q: Is IFCI Ltd profitable and how is the profit trend?

IFCI Ltd reported a net profit of 349 Cr in Mar 2025 on revenue of 1,879 Cr. Compared to -1,761 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹24.50Overvalued by 52.98%vs CMP ₹52.10

P/E (35.1) × ROE (2.6%) × BV (₹32.90) × DY (2.00%)

₹29.91Overvalued by 42.59%vs CMP ₹52.10

MoS: -74.2% (Negative)Confidence: 56/100 (Moderate)Models: 1 Under, 6 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹39.70	28%	Over (-23.8%)
Graham Number	Earnings	₹32.87	17%	Over (-36.9%)
Earnings Power	Earnings	₹6.15	13%	Over (-88.2%)
DCF	Cash Flow	₹60.18	13%	Under (+15.5%)
Net Asset Value	Assets	₹32.89	9%	Over (-36.9%)
EV/EBITDA	Enterprise	₹3.08	11%	Over (-94.1%)
Earnings Yield	Earnings	₹14.60	9%	Over (-72%)
Consensus (7 models)		₹29.91	100%	Overvalued

Key Drivers: EPS CAGR 62.0% lifts DCF — verify sustainability. | ROE 2.6% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 62.0%

*Investments are subject to market risks

Analyst Summary

IFCI Ltd operates in the Finance - Term Lending Institutions segment, NSE: IFCI | BSE: 500106, current market price is ₹52.10, market cap is 14,040 Cr.. At a glance, stock P/E is 35.1, ROE is 2.60 %, ROCE is 8.08 %, book value is 32.9, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹29.91, around 42.6% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹1,879 Cr versus the prior period change of -5.5%, while latest net profit is about ₹349 Cr with a prior-period change of 44.8%. This analysis page also carries profit and loss, shareholding pattern, ratio panels, mutual fund holdings data, which improves the depth of the template beyond a thin price-only snapshot. The 52-week range shown on this page is 74.5/35.7, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisIFCI Ltd. is a Public Limited Listed company incorporated on 21/05/1993 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1993GOI053677 and registration number is 053677. Currently Company is involved in the busi…

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

Investment Snapshot

IFCI Ltd scores 51/100 (Average)

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

Stock Health43/100 · Moderate

ROCE 8.1% AverageROE 2.6% WeakD/E 3.12 High debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent

Smart Money50/100 · Moderate

FII holding stable No changePromoter holding at 72.6% Stable

Earnings Quality60/100 · Moderate

Working capital: -834 days (improving) Efficient

Quarterly Momentum70/100 · Strong

Profit (4Q): +169% YoY Strong

Industry Rank30/100 · Weak

P/E 35.1 vs industry 19.4 Premium to peersROCE 8.1% vs industry 9.5% AverageROE 2.6% vs industry 12.0% Below 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, 3:04 am

Market Cap	14,040 Cr.
Current Price	52.1
Intrinsic Value	₹29.91
High / Low	74.5/35.7
Stock P/E	35.1
Book Value	32.9
Dividend Yield	0.00 %
ROCE	8.08 %
ROE	2.60 %
Face Value	10.0
PEG Ratio	0.57

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for IFCI Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
IFCI Ltd	14,040 Cr.	52.1	74.5/35.7	35.1	32.9	0.00 %	8.08 %	2.60 %	10.0
Tourism Finance Corporation of India Ltd	3,044 Cr.	65.8	80.5/32.6	25.0	27.0	0.91 %	10.7 %	8.51 %	2.00
Housing & Urban Development Corporation Ltd (HUDCO)	33,638 Cr.	168	254/159	12.1	90.1	2.71 %	9.62 %	15.7 %	10.0
Power Finance Corporation Ltd (PFC)	1,31,245 Cr.	398	444/330	5.20	385	3.97 %	9.73 %	21.0 %	10.0
Industry Average	45,491.75 Cr	170.98		19.35	133.75	1.90%	9.53%	11.95%	8.00

All Competitor Stocks of IFCI 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
Revenue	348	414	320	607	454	605	388	617	459	414	407	735	456
Interest	150	162	144	145	146	136	135	135	131	134	104	107	103
Expenses	47	418	290	-74	230	269	210	353	211	-80	215	243	326
Financing Profit	151	-166	-114	535	78	201	43	130	117	359	88	385	27
Financing Margin %	43%	-40%	-36%	88%	17%	33%	11%	21%	25%	87%	22%	52%	6%
Other Income	3	12	4	5	14	107	17	167	-2	1	36	17	6
Depreciation	21	18	18	21	21	21	20	22	21	21	21	21	21
Profit before tax	134	-172	-128	520	71	287	40	275	94	340	103	381	13
Tax %	18%	40%	1%	66%	45%	45%	318%	33%	109%	23%	39%	17%	-66%
Net Profit	109	-241	-129	174	39	157	-88	185	-9	260	62	317	21
EPS in Rs	0.42	-1.16	-0.64	0.44	0.08	0.61	-0.41	0.32	-0.12	0.84	0.15	0.53	-0.06
Gross NPA %
Net NPA %

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 11:46 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	3,602	3,864	4,465	3,582	4,322	2,821	2,880	2,082	1,556	1,699	1,988	1,879	2,012
Interest	1,762	2,173	2,599	2,380	2,144	1,803	1,451	1,147	943	642	571	535	448
Expenses	1,067	1,010	1,509	1,850	1,714	1,962	1,463	2,961	2,108	986	715	694	703
Financing Profit	772	681	357	-647	463	-944	-34	-2,026	-1,496	72	702	650	860
Financing Margin %	21%	18%	8%	-18%	11%	-33%	-1%	-97%	-96%	4%	35%	35%	43%
Other Income	40	82	168	99	38	311	21	14	39	28	130	182	61
Depreciation	51	-11	24	61	63	63	81	72	66	74	81	83	84
Profit before tax	762	775	501	-609	439	-696	-94	-2,085	-1,523	26	751	749	836
Tax %	26%	28%	24%	-47%	5%	-32%	137%	-8%	16%	559%	68%	53%
Net Profit	566	575	394	-308	418	-476	-223	-1,912	-1,761	-120	241	349	661
EPS in Rs	3.41	3.23	2.18	-2.27	2.26	-2.88	-1.36	-10.24	-8.71	-0.95	0.47	0.63	1.46
Dividend Payout %	29%	46%	46%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	1.59%	-31.48%	-178.17%	235.71%	-213.88%	53.15%	-757.40%	7.90%	93.19%	300.83%	44.81%
Change in YoY Net Profit Growth (%)	0.00%	-33.07%	-146.69%	413.89%	-449.59%	267.03%	-810.55%	765.30%	85.29%	207.65%	-256.02%

IFCI Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	-7%
5 Years:	-8%
3 Years:	6%
TTM:	-8%

Compounded Profit Growth
10 Years:	-10%
5 Years:	22%
3 Years:	28%
TTM:	133%

Stock Price CAGR
10 Years:	10%
5 Years:	49%
3 Years:	64%
1 Year:	-28%

Return on Equity
10 Years:	-8%
5 Years:	-17%
3 Years:	0%
Last Year:	3%

Last Updated: September 5, 2025, 6:50 am

Balance Sheet

Last Updated: February 1, 2026, 12:49 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1,661	1,662	1,662	1,662	1,696	1,696	1,696	1,896	2,103	2,196	2,490	2,694	2,694
Reserves	5,404	5,561	5,639	5,208	4,193	3,661	3,553	1,842	715	1,571	2,045	5,996	6,169
Borrowing	21,797	26,767	28,598	23,919	20,665	16,394	12,566	11,041	7,095	6,020	5,367	3,714	3,507
Other Liabilities	2,150	2,980	3,247	3,493	4,244	4,291	4,623	5,585	5,574	7,152	9,016	13,319	11,170
Total Liabilities	31,013	36,970	39,146	34,282	30,798	26,042	22,439	20,364	15,487	16,939	18,918	25,724	23,540
Fixed Assets	1,934	1,935	1,860	1,823	1,721	1,701	1,720	1,762	1,741	1,764	1,734	1,700	1,629
CWIP	9	4	6	3	2	1	4	9	16	11	13	23	22
Investments	6,401	6,330	6,860	5,150	7,363	5,580	3,963	5,504	6,541	7,700	8,678	15,323	15,444
Other Assets	22,668	28,700	30,420	27,306	21,712	18,760	16,752	13,089	7,190	7,464	8,493	8,678	6,445
Total Assets	31,013	36,970	39,146	34,282	30,798	26,042	22,439	20,364	15,487	16,939	18,918	25,724	23,540

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	874	263	-5	802	-972	444	635	-438	-257	-336	12	-984
Cash from Investing Activity +	-176	7	77	-8	195	-23	-33	-103	-30	-59	-155	-70
Cash from Financing Activity +	-201	-409	-316	-29	43	-234	196	193	73	465	404	415
Net Cash Flow	498	-138	-245	765	-734	186	798	-348	-213	70	261	-638
Free Cash Flow	699	270	71	794	-1,003	405	603	-545	-288	-383	-24	-1,011
CFO/OP	41%	14%	5%	49%	-35%	63%	48%	50%	46%	-39%	6%	-79%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-20.00	-25.00	-27.00	-22.00	-19.00	-15.00	-11.00	-9.00	-5.00	980.00	710.00	691.00

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 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	100	78	61	59	12	23	24	34	57	51	56	41
Inventory Days
Days Payable
Cash Conversion Cycle	100	78	61	59	12	23	24	34	57	51	56	41
Working Capital Days	-164	-120	-180	-105	-160	-209	-240	-399	-467	-619	-657	-834
ROCE %	9%	9%	8%	5%	9%	4%	6%	-5%	-4%	5%	10%	8%

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	66.35%	70.32%	70.32%	70.32%	70.32%	71.72%	71.72%	71.72%	72.57%	72.57%	72.57%	72.57%
FIIs	2.00%	1.51%	1.87%	2.08%	2.29%	2.40%	2.54%	2.60%	2.73%	2.52%	2.60%	2.58%
DIIs	2.29%	2.00%	2.01%	2.02%	2.03%	1.93%	1.67%	1.64%	1.60%	1.61%	1.62%	1.62%
Government	4.70%	4.13%	4.03%	4.02%	3.99%	3.34%	3.04%	2.98%	2.86%	2.50%	2.33%	2.32%
Public	24.68%	22.03%	21.76%	21.57%	21.37%	20.61%	21.03%	21.05%	20.23%	20.81%	20.88%	20.88%
No. of Shareholders	5,20,604	5,05,969	5,41,937	5,85,670	8,26,079	8,76,318	9,79,172	9,97,698	9,97,758	10,20,493	9,85,987	9,58,706

Shareholding Pattern Chart

No. of Shareholders

IFCI 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
Motilal Oswal Nifty Microcap 250 Index Fund	701,312	0.33	2.04	701,312	2025-04-22 15:56:57	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	0.65	0.42	-0.95	-8.71	-10.24
Diluted EPS (Rs.)	0.65	0.42	-0.95	-8.71	-10.24
Cash EPS (Rs.)	1.60	1.29	-0.20	-8.06	-9.70
Book Value[Excl.RevalReserv]/Share (Rs.)	32.26	28.84	28.55	24.04	25.45
Book Value[Incl.RevalReserv]/Share (Rs.)	32.26	28.84	28.55	24.04	25.45
Revenue From Operations / Share (Rs.)	6.96	7.98	6.76	7.38	10.90
PBDIT / Share (Rs.)	5.09	5.62	3.38	-2.44	-4.58
PBIT / Share (Rs.)	4.78	5.30	3.05	-2.75	-4.96
PBT / Share (Rs.)	2.78	3.02	0.11	-7.24	-10.99
Net Profit / Share (Rs.)	1.29	0.96	-0.54	-8.37	-10.08
NP After MI And SOA / Share (Rs.)	0.63	0.41	-0.94	-8.71	-10.24
PBDIT Margin (%)	73.04	70.46	50.02	-33.03	-41.98
PBIT Margin (%)	68.60	66.39	45.04	-37.31	-45.48
PBT Margin (%)	39.92	37.79	1.75	-98.13	-100.89
Net Profit Margin (%)	18.58	12.13	-8.06	-113.46	-92.50
NP After MI And SOA Margin (%)	9.11	5.21	-13.98	-117.98	-93.95
Return on Networth / Equity (%)	1.96	2.56	-6.17	-64.98	-54.87
Return on Capital Employeed (%)	7.95	16.41	9.71	-5.11	-6.77
Return On Assets (%)	0.66	0.54	-1.22	-11.82	-9.53
Long Term Debt / Equity (X)	0.00	0.00	0.00	2.15	2.45
Total Debt / Equity (X)	0.42	1.33	1.79	2.52	3.12
Asset Turnover Ratio (%)	0.08	0.11	0.09	0.05	0.07
Current Ratio (X)	2.49	1.55	1.45	3.00	2.57
Quick Ratio (X)	2.48	1.55	1.44	2.98	2.56
Inventory Turnover Ratio (X)	27.17	0.04	0.05	0.00	0.00
Interest Coverage Ratio (X)	2.56	2.45	1.16	-0.54	-0.75
Interest Coverage Ratio (Post Tax) (X)	1.66	1.42	0.81	-0.86	-0.66
Enterprise Value (Cr.)	16193.69	13349.42	7323.61	9371.45	12088.21
EV / Net Operating Revenue (X)	8.63	6.72	4.93	6.04	5.85
EV / EBITDA (X)	11.82	9.54	9.86	-18.27	-13.93
MarketCap / Net Operating Revenue (X)	6.19	4.98	1.45	1.50	1.10
Price / BV (X)	1.34	2.45	0.64	0.82	0.64
Price / Net Operating Revenue (X)	6.19	4.98	1.45	1.50	1.10
EarningsYield	0.01	0.01	-0.09	-0.78	-0.85

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

IFCI Ltd. is a Public Limited Listed company incorporated on 21/05/1993 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1993GOI053677 and registration number is 053677. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 680.51 Cr. and Equity Capital is Rs. 2694.31 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance - Term Lending Institutions	IFCI Tower, 61 Nehru Place New Delhi Delhi 110019	Contact not found

Management
Name	Position Held
Mr. Rahul Bhave	Managing Director & CEO
Mr. Arvind Kumar Jain	Non Executive Director
Prof. N Balakrishnan	Non Executive Director
Prof. Arvind Sahay	Non Executive Director
Mr. Rajeev Sachdev	Non Executive Director
Mr. Jitendra Asati	Government Director
Mr. Shailesh Kumar	Government Director
Mr. Umesh Kumar Garg	Independent Director

FAQ

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

As of 21 April 2026, IFCI Ltd's intrinsic value is ₹29.91, which is 42.59% lower than the current market price of ₹52.10, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (2.60 %), book value (₹32.9), dividend yield (0.00 %), and 5-year EPS CAGR.

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

IFCI Ltd is trading at ₹52.10 as of 21 April 2026, with a FY2026-2027 high of ₹74.5 and low of ₹35.7. The stock is currently in the middle of its 52-week range. Market cap stands at ₹14,040 Cr..

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

IFCI Ltd has a P/E ratio of 35.1, which is above the industry average of 19.35. The premium over industry average may reflect growth expectations or speculative interest.

Is IFCI Ltd financially healthy?

Key indicators for IFCI Ltd: ROCE of 8.08 % is on the lower side compared to the industry average of 9.53%; ROE of 2.60 % is below ideal levels (industry average: 11.95%). Dividend yield is 0.00 %.

Is IFCI Ltd profitable and how is the profit trend?

IFCI Ltd reported a net profit of ₹349 Cr in Mar 2025 on revenue of ₹1,879 Cr. Compared to ₹-1,761 Cr in Mar 2022, the net profit shows an improving trend.

Does IFCI Ltd pay dividends?

IFCI Ltd has a dividend yield of 0.00 % at the current price of ₹52.10. The company is currently not paying meaningful dividends.