CIFL (CIFL) Fair Value & Analysis
Financial Services · Market cap ₹9.0B
Fair value as of: Jul 3, 2026
From 10 valuation models · updated today
Share price −5.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹20.74 – ₹40.90 · fair‑value band ₹13.71 – ₹24.86 · the ₹22.96 price screens above the ₹14.12 fair value. As of Jul 3, 2026.
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CIFL (CIFL) currently trades at ₹22.96, while our model-based Fair Value estimate is ₹14.12 — implying the stock looks roughly 38.5% overvalued today. We read business quality at 43/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).
Over the trailing twelve months, CIFL generated revenue of ₹5.3B at a net margin of 7.4%. Revenue declined 7.0% year over year. It earns a return on equity of 4.8%. Net debt stands at ₹6.4B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
CIFL reported revenue of ₹5.3B in FY2026 versus ₹5.1B in FY2022, a compound +1.0%/yr. Reported net income was ₹389M in FY2026.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 229.36 MXN | -96% |
| Mastercard Incorporated MA | C$29.95 | C$10.05 | -66% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $177.63 | $125.08 | -30% |
| Bajaj Finance Limited BAJFINANCE | ₹889.40 | ₹559.13 | -37% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.