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Capital India Finance Limited (CIFL) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Capital India Finance Limited ₹12.04, price ₹20.76, upside -42.0%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · IN

CI Thin data Sep 27, 2026

Capital India Finance Limited

CIFL · NSE

Weakest SetupStrongly overvalued and low quality.

!Fair value ₹12.04 · Strongly overvalued (−42.0%)
!Quality 45/100
!Weak Growth (revenue 3y −5.4 %/yr)
!Thin margins · 7.4% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers (1/13)
!Narrow moat 36/100
!Evidence only low, so the estimate is less certain
!Weak on past: 19 out of 100
!Weak on dividend: 2 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹43.22 ₹19.53 Fair Value ₹12.04 Apr 2025 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

17‑month range ₹19.53 – ₹43.22 · fair‑value band ₹9.70 – ₹12.04 · the ₹20.76 price screens above the ₹12.04 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India.

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Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising various loans, such as home, home improvement, home extension, NRI home, and home loan balance transfer, as well as loans against property. It operates RapiPay solutions, including assisted payment services and POS solutions; and RemitX that offers retail foreign exchange products and services, including foreign currency notes, overseas remittances, foreign currency prepaid travel card, and import and export of foreign currency notes. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance Limited in August 2017. Capital India Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. Capital India Finance Limited is a subsidiary of Capital India Corp Private Limited.

Stock analysis

Capital India Finance Limited (CIFL) currently trades at ₹20.76, while our model-based Fair Value estimate is ₹12.04, 42.0% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ₹12.93 per share, and 0 of the 7 models we run sit above the ₹20.76 price.

Bear case: the Earnings-Based group reads lowest at ₹8.27, and 7 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹9.70 (bear) to ₹12.04 (bull), the price of ₹20.76 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 45/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Capital India Finance Limited reported revenue of ₹5.3B in FY2026 versus ₹5.1B in FY2022, a compound +1.0%/yr. Reported net income was ₹389M in FY2026.

Key figures

Market cap ₹8.3B (≈ $86.9M) · P/E ratio 20.8 · P/S ratio 1.52 · EPS (TTM) ₹1.00 · Dividend yield 0.1% · Net margin 7.3% · Return on equity 4.8% · Return on assets (EBIT) −2.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 46% below its 52-week high and 6% 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 −42%, CIFL screens richer than that median.

Fair Value models

Bear ₹9.70 Fair Value ₹12.04 Bull ₹12.04
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. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.5041 per share) are deliberately not added. 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.
Highest evidence
Residual Income ₹12.40 ₹12.59 ₹13.14 73
Owner Earnings n/a n/a ₹4.92 70
Gordon GGM ₹0.1400 ₹0.1500 ₹0.1600 67
All 8 models by family
DCF Models
Owner Earnings n/a n/a ₹4.92 70
Earnings-Based
Graham-Dodd ₹6.76 ₹8.27 ₹9.30 65
Dividend Discount
Gordon GGM ₹0.1400 ₹0.1500 ₹0.1600 67
DDM Multi-Stage ₹0.1400 ₹0.1600 ₹0.1900 65
Multiples
P/E Multiple ₹9.70 ₹12.93 ₹16.16 63
P/B Multiple ₹12.68 ₹16.91 ₹21.13 55
Asset-Based
NCAV (Graham) ₹8.61 ₹11.53 ₹17.21 54
Economic Profit
Residual Income ₹12.40 ₹12.59 ₹13.14 73

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Quality Score breakdown

Overall quality 45/100

Of which business quality 41 · Market factors (momentum, volatility) 31

Profitability 25
Margins and returns on capital today
Quality Growth 62
Are margins and returns improving?
Cashflow 1
Earnings quality: real cash, not paper profit
Fin. Strength 36
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 19
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 72
Share count: buybacks or dilution?

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Revenue & earnings trend

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 is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−7.3%
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.
−5.4%
What shareholders gained per year (last 3 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+81.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+80.9%
Dividend (yield on the price)0.1%
Profit margin 2022 to 2026 ⓘ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.−2% → −6%
2026 sits 478% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

CIFL screens overvalued: fair value 42% below the price. Compare with Visa Inc →

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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 · 334 stocks

Beats the industry median on 1/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Below median
Fair Value upside −43.6% · Bottom 25%
Profitability
Return on equity (TTM) 4.8% · Below median
Return on assets 0.5% · Bottom 25%
Net margin (TTM) 7.4% · Below median
Operating margin (TTM) 14.4% · Below median
Growth and dividend
Revenue growth −7.0% · Bottom 25%
Dividend yield (TTM) 0.1% · Bottom 25%
Balance sheet
Debt / equity 1.38× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 20.8× · Pricier than median
P/B 1.27× · Pricier than median
P/S (TTM) 1.62× · Cheaper than median
EV/EBITDA 32.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 50
FUTURE (revenue growth)0 · sector 42
PAST (return on equity)19 · sector 32
HEALTH (low debt)31 · sector 59
DIVIDEND (yield)2 · sector 65

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $367.38 $221.29 −40%
Mastercard Incorporated MA $567.65 $359.54 −37%
American Express Company AXP $308.89 $208.54 −32%
Capital One Financial Corporation COF $200.20 $125.94 −37%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $16.58 $5.53 −67%

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Capital India Finance Limited · Fair Value
₹12.04 −42%Fair Value
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Cite: Fair Value Calculator (2026). "Capital India Finance Limited Fair Value". https://www.fairvalue-calculator.com/stock/CIFL

Frequently asked questions

Is Capital India Finance Limited (CIFL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹12.04 versus a price of ₹20.76, about −42% upside (overvalued).
What is the fair value of CIFL?
Our model-based fair value for Capital India Finance Limited is ₹12.04 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹20.76.
What is the quality score of CIFL?
Capital India Finance Limited has a Quality Score of 45/100. 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 Capital India Finance Limited (CIFL)?
Our model-based price target is the fair value of ₹12.04 (as of Sep 27, 2026) from 8 valuation models. Cautious scenario ₹9.70, optimistic scenario ₹12.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital India Finance Limited stock forecast for 2026?
Our models put fair value at ₹12.04, about −42% upside versus a price of ₹20.76 (overvalued). Cautious scenario ₹9.70, optimistic scenario ₹12.04. The calculation is refreshed regularly with new filings.
What is the revenue of Capital India Finance Limited (CIFL)?
Capital India Finance Limited reported trailing-twelve-month revenue of about ₹5.3B (latest available figure, as of Sep 27, 2026).
Does Capital India Finance Limited pay a dividend?
Capital India Finance Limited currently shows a dividend yield of about 0.09% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of Capital India Finance Limited (CIFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capital India Finance Limited it is ₹12.04 per share (as of Sep 27, 2026), against a price of ₹20.76. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Capital India Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CIFL trades above its calculated fair value: price ₹20.76, fair value ₹12.04, a gap of about −42% (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 CIFL?
No. The price is what the market pays today (₹20.76); the fair value is what the company's own numbers justify (₹12.04). For Capital India Finance Limited the two are ₹8.72 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital India Finance Limited worth?
The market values Capital India Finance Limited at about ₹8.3B (market capitalisation, as of Sep 27, 2026). Per share that is ₹20.76; our models calculate a fair value of ₹12.04 per share.
What do the bullish and bearish scenarios say about CIFL?
Our models span a range for Capital India Finance Limited: cautious scenario ₹9.70, base ₹12.04, optimistic ₹12.04 per share (as of Sep 27, 2026, price ₹20.76). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CIFL?
Capital India Finance Limited trades at a price-to-earnings ratio of 20.8 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹12.04 is built from several models across several years. Other multiples: P/B 1.3, P/S 1.6, EV/EBITDA 32.3.
How solid is the balance sheet of Capital India Finance Limited (CIFL)?
Balance-sheet figures for Capital India Finance Limited (as of Sep 27, 2026): return on equity 4.8%, debt of 1.38 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is CIFL from its 52-week high?
Capital India Finance Limited trades at ₹20.76, about 46% below its 52-week high of ₹38.53 and 6% above the low of ₹19.53 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹12.04 is for.
Which stocks are comparable to Capital India Finance 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 Capital India Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹20.76, calculated fair value ₹12.04 (−42%), Quality Score 45/100, 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 CIFL calculated?
We run Capital India Finance 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 ₹12.04, 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 14.7 % above its aggregate fair value. Capital India Finance 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 Capital India Finance Limited (CIFL)?
The closing price on Oct 1, 2026 was ₹20.76. Our model-based fair value is ₹12.04, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital India Finance Limited right now?
The price sits above even our optimistic bull case (₹12.04). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Capital India Finance Limited

How large is the market capitalisation of Capital India Finance Limited (CIFL)?
The market capitalisation of Capital India Finance Limited is ₹8.3B (≈ $86.9M). 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 Capital India Finance Limited (CIFL)?
The price-to-sales ratio of Capital India Finance Limited is 1.52 (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 Capital India Finance Limited (CIFL)?
Earnings per share at Capital India Finance Limited are ₹1.00 (price ÷ EPS = P/E 20.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Capital India Finance Limited (CIFL)?
The dividend yield of Capital India Finance Limited is 0.1% (payout 1.8%). 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 Capital India Finance Limited (CIFL)?
The net margin of Capital India Finance Limited is 7.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Capital India Finance Limited (CIFL)?
The return on equity (ROE) of Capital India Finance Limited is 4.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Capital India Finance Limited (CIFL)?
On an EBIT basis the return on assets of Capital India Finance Limited is −2.0% (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 Capital India Finance Limited (CIFL)?
The operating margin of Capital India Finance Limited is 14.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capital India Finance Limited (CIFL)?
Revenue at Capital India Finance Limited is growing −7.0% versus a year earlier (3y avg −5.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Capital India Finance Limited (CIFL) generate?
The free cash flow of Capital India Finance Limited is −₹272M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Capital India Finance Limited (CIFL) carry?
The net debt of Capital India Finance Limited is ₹6.4B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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