CIFL (CIFL) Fair Value & Analysis

IN · Market cap ₹8.9B

C CIFL CIFL · BSE

Price₹22.75

Fair Value₹16.91

Upside-25.7%

Quality39/100

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Evidence: Medium Range ₹12.68 – ₹21.13

Fair value as of: Jul 5, 2026

From 10 valuation models · updated today

Share price −6.0% over the past month.

Price vs Fair Value (12 months)

12‑month range ₹20.73 – ₹40.70 · fair‑value band ₹12.68 – ₹21.13 · the ₹22.75 price screens above the ₹16.91 fair value. As of Jul 5, 2026.

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Analysis

CIFL (CIFL) currently trades at ₹22.75, while our model-based Fair Value estimate is ₹16.91 — implying the stock looks roughly 25.7% overvalued today. We read business quality at 39/100 (below-average quality). 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 ₹7.1B. Fundamentals as of Jul 5, 2026

Our scenario range runs from ₹12.68 (bear case) to ₹21.13 (bull case); at ₹22.75, the current price sits above that range. The share trades about 46% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.

Key figures & financial health

Revenue (TTM) ₹5.3B

Revenue growth (YoY) -7.0%

Net margin 7.4%

Return on equity 4.8%

Free cash flow −₹2.6B FY2026

P/E ratio 22.8

More key figures

Operating margin 14.4%

EPS (TTM) ₹1.00

EPS growth (YoY) +1,336%

Net debt ₹7.1B FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

CIFL reported revenue of ₹5.1B in FY2026 versus ₹5.1B in FY2022, a compound +0.0%/yr. Reported net income was ₹389M in FY2026.

Revenue +0.0%/yr

FY22 ₹5.1B

FY23 ₹6.3B

FY24 ₹6.5B

FY25 ₹5.3B

FY26 ₹5.1B

Net income

FY22 −₹27.7M

FY23 −₹416M

FY24 ₹116M

FY25 ₹15.5M

FY26 ₹389M

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₹16.91 −26%Fair Value
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<a href="https://www.fairvalue-calculator.com/stock/CIFL" target="_blank" rel="noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">CIFL · Fair Value</span><br><b style="font-size:20px">₹16.91</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−26%</span></span><span style="font-size:11px;color:#7BB290;font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "CIFL Fair Value". https://www.fairvalue-calculator.com/stock/CIFL

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Frequently asked questions

Is CIFL (CIFL) undervalued?

As of Jul 5, 2026, our model estimates a fair value of ₹16.91 versus a price of ₹22.75 — about −26% (overvalued). Model-based estimate, not financial advice.

What is the fair value of CIFL?

Our model-based fair value for CIFL is ₹16.91 (as of Jul 5, 2026), built from audited fundamentals. The current price is ₹22.75.

What is the quality score of CIFL?

CIFL has a Quality Score of 39/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

What is the revenue of CIFL (CIFL)?

CIFL reported trailing-twelve-month revenue of about ₹5.3B (latest available figure, as of Jul 5, 2026).

What is the net profit margin of CIFL?

The net profit margin of CIFL is about 7.4%, meaning it keeps roughly 7.4% of revenue as net income. Based on the latest reported figures.

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.

Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.