IFCI Limited (500106) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of IFCI Limited ₹10.33, price ₹65.17, upside -84.2%, quality 17 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹8.38 – ₹102.62 · fair‑value band ₹9.11 – ₹12.28 · the ₹65.17 price screens above the ₹10.33 fair value. Dashed = 300-day average. As of Sep 24, 2026.
IFCI Limited provides non-banking financial services to the public sector in India. The company offers project finance for the power sector, including renewable energy, telecommunications, roads, oil and gas, ports, airports, basic metals, chemicals, pharmaceuticals, electronics, textiles, real estate, smart cities, urban infrastructure, etc.
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IFCI Limited provides non-banking financial services to the public sector in India. The company offers project finance for the power sector, including renewable energy, telecommunications, roads, oil and gas, ports, airports, basic metals, chemicals, pharmaceuticals, electronics, textiles, real estate, smart cities, urban infrastructure, etc. It also provides corporate finance, such as balance sheet funding, loan against shares, lease rental discounting, promoter funding, long term working capital requirement, capital expenditure, and regular maintenance capex services, as well as short term loans for various businesses that include bridge financing and short term working capital to small, mid, and large corporates. In addition, the company offers financial/investment appraisal, business reengineering, and advisory services for various corporate houses and companies; and structured debt/mezzanine products, as well as assistance in sponsor financing, acquisition financing, pre-IPO financing, off-balance sheet structured solutions, and others. Further, it provides sales and resolution services for non-performing assets; nodal agency services for monitoring of sugar development fund loans; and credit enhancement guarantee scheme for scheduled castes, as well as acts as debenture trustee for debenture issues. Additionally, the company offers modified special incentive package schemes; and factoring, stock broking, investment banking, mutual fund distribution and advisory, insurance products distribution, real estate and infrastructure, venture capital fund, technical consultancy, and depository participation services. It provides financial support services for airports, roads, telecom, power, real estate, manufacturing, and services sectors; and other allied industries. The company was formerly known as Industrial Finance Corporation of India and changed its name to IFCI Limited in October 1999. IFCI Limited was founded in 1948 and is headquartered in New Delhi, India.
Stock analysis
IFCI Limited (500106) currently trades at ₹65.17, while our model-based Fair Value estimate is ₹10.33, 84.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of ₹30.71 per share, and 0 of the 8 models we run sit above the ₹65.17 price.
Bear case: the Dividend Discount group reads lowest at ₹3.33, and 8 of the 8 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹9.11 (bear) to ₹12.28 (bull), the price of ₹65.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 17/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
IFCI Limited reported revenue of ₹18.8B in FY2025 versus ₹20.7B in FY2021, a compound −2.4%/yr. Reported net income was ₹1.7B in FY2025.
Key figures
Market cap ₹11.0B (≈ $114M) · P/E ratio 3.9 · P/S ratio 0.36 · EPS (TTM) ₹−1.36 · Dividend yield 7.7% · Net margin 9.1% · Return on assets (EBIT) −2.8% · Operating margin −64.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 39% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −84%, 500106 screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹3.33 to ₹30.71). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹9.11Fair Value ₹10.33Bull ₹12.28
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.14/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−8.2%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.0%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
4.6% (2020) → 37.6% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 326 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score19 · Bottom 25%
Fair Value upside−84.9% · Bottom 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)−35.1% · Bottom 25%
Operating margin (TTM)−64.7% · Bottom 25%
Growth and dividend
Revenue growth29.2% · Above median
Dividend yield (TTM)7.7% · Top 25%
Balance sheet
Debt / equity0.43× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "IFCI Limited Fair Value". https://www.fairvalue-calculator.com/stock/500106
Frequently asked questions
Is IFCI Limited (500106) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹10.33 versus a price of ₹65.17, about −84% upside (overvalued).
What is the fair value of 500106?
Our model-based fair value for IFCI Limited is ₹10.33 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹65.17.
What is the quality score of 500106?
IFCI Limited has a Quality Score of 17/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IFCI Limited (500106)?
Our model-based price target is the fair value of ₹10.33 (as of Sep 24, 2026) from 8 valuation models. Cautious scenario ₹9.11, optimistic scenario ₹12.28. It is a calculation from audited fundamentals, not an analyst target.
What is the IFCI Limited stock forecast for 2026?
Our models put fair value at ₹10.33, about −84% upside versus a price of ₹65.17 (overvalued). Cautious scenario ₹9.11, optimistic scenario ₹12.28. The calculation is refreshed regularly with new filings.
What is the revenue of IFCI Limited (500106)?
IFCI Limited reported trailing-twelve-month revenue of about ₹14.9B (latest available figure, as of Sep 24, 2026).
Does IFCI Limited pay a dividend?
IFCI Limited currently shows a dividend yield of about 7.72% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of IFCI Limited (500106)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IFCI Limited it is ₹10.33 per share (as of Sep 24, 2026), against a price of ₹65.17. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is IFCI Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 500106 trades above its calculated fair value: price ₹65.17, fair value ₹10.33, a gap of about −84% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 500106?
No. The price is what the market pays today (₹65.17); the fair value is what the company's own numbers justify (₹10.33). For IFCI Limited the two are ₹54.84 per share apart. That gap is exactly why we show both numbers side by side.
How much is IFCI Limited worth?
The market values IFCI Limited at about ₹11.0B (market capitalisation, as of Sep 24, 2026). Per share that is ₹65.17; our models calculate a fair value of ₹10.33 per share.
What do the bullish and bearish scenarios say about 500106?
Our models span a range for IFCI Limited: cautious scenario ₹9.11, base ₹10.33, optimistic ₹12.28 per share (as of Sep 24, 2026, price ₹65.17). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 500106?
IFCI Limited trades at a price-to-earnings ratio of 3.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹10.33 is built from several models across several years.
How solid is the balance sheet of IFCI Limited (500106)?
Balance-sheet figures for IFCI Limited (as of Sep 24, 2026): debt of 0.43 per unit of equity. They feed the Quality Score of 17/100, which measures business quality independently of the share price.
How far is 500106 from its 52-week high?
IFCI Limited trades at ₹65.17, about 36% below its 52-week high of ₹102.62 and 39% above the low of ₹46.81 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹10.33 is for.
Which stocks are comparable to IFCI Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IFCI Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹65.17, calculated fair value ₹10.33 (−84%), Quality Score 17/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 500106 calculated?
We run IFCI Limited through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹10.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. IFCI Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IFCI Limited (500106)?
The closing price on Oct 1, 2026 was ₹65.17. Our model-based fair value is ₹10.33, about −84% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IFCI Limited right now?
The price sits above even our optimistic bull case (₹12.28). The favourable scenario is already priced in. Weak quality (17/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of IFCI Limited
How large is the market capitalisation of IFCI Limited (500106)?
The market capitalisation of IFCI Limited is ₹11.0B (≈ $114M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IFCI Limited (500106)?
The price-to-sales ratio of IFCI Limited is 0.36 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IFCI Limited (500106)?
Earnings per share at IFCI Limited are ₹−1.36 (price ÷ EPS = P/E 3.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IFCI Limited (500106)?
The dividend yield of IFCI Limited is 7.7%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of IFCI Limited (500106)?
The net margin of IFCI Limited is 9.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of IFCI Limited (500106)?
On an EBIT basis the return on assets of IFCI Limited is −2.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IFCI Limited (500106)?
The operating margin of IFCI Limited is −64.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IFCI Limited (500106)?
Revenue at IFCI Limited is growing +29.2% versus a year earlier (3y avg +6.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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