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EFC (I) Limited (EFCIL) Fair Value & Analysis

Real Estate · IN · Market cap ₹28.6B

EI EFC (I) Limited EFCIL · NSE
Price₹179.92
Fair Value₹226.16
Upside+25.7%
Quality45/100
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Mixed Growth
Highly profitable · 22.3% net margin
Low debt · generates free cash flow
Ranks above peers (10/13)
Wide moat 92/100
Evidence: High Range ₹133.13 – ₹560.16 Share as image

Fair value as of: Aug 15, 2026

From 14 valuation models · updated 2 days ago

Share price −7.3% over the past month.

Below-average quality, screening 26% undervalued on our models.

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What matters now

  • The model range is unusually wide (₹133.13 to ₹560.16). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
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Price vs Fair Value (12 months)

₹344.85 ₹173.82 Fair Value ₹226.16 Aug 2025 Aug 2026

White line = price, green steps = our fair value per fiscal year. As of Aug 15, 2026.

How to read this chart

12‑month range ₹173.82 – ₹344.85 · fair‑value band ₹133.13 – ₹560.16 · the ₹179.92 price screens below the ₹226.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Aug 15, 2026.

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Analysis

EFC (I) Limited (EFCIL) currently trades at ₹179.92, while our model-based Fair Value estimate is ₹226.16, implying the stock looks roughly 25.7% undervalued today. The Quality Score stands at 45/100 (below-average quality), in the Real Estate sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, EFC (I) Limited generated revenue of ₹10.4B at a net margin of 22.3%. Revenue grew 38.8% year over year. It earns a return on equity of 33.7%. Net debt stands at ₹13.2B. Fundamentals as of Aug 15, 2026

Our scenario range runs from ₹133.13 (bear case) to ₹560.16 (bull case); at ₹179.92, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 50% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 15% fair-value upside, at 26%, EFCIL screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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. Evidence
Highest evidence
Growth DCF ₹26.84 ₹63.23 ₹122.87 80
Rev-Margin DCF ₹195.75 ₹404.31 ₹837.22 74
Residual Income ₹111.59 ₹153.62 ₹1,151 61
All 14 models by family
DCF Models
FCF DCF ₹29.18 ₹51.71 ₹123.46 38
5Y Revenue Exit ₹173.88 ₹352.88 ₹731.22 39
5Y EBITDA Exit ₹305.45 ₹618.93 ₹1,236 41
10Y Revenue Exit ₹125.78 ₹391.33 ₹592.49 36
10Y EBITDA Exit ₹231.51 ₹674.65 ₹1,494 37
Multiples
P/S Multiple ₹199.55 ₹266.07 ₹332.59 58
P/B Multiple ₹81.85 ₹109.13 ₹136.41 55
EV/EBIT ₹378.08 ₹507.48 ₹636.87 53
EV/EBITDA ₹393.48 ₹528.01 ₹662.55 54
EV/Revenue ₹203.98 ₹295.74 ₹387.49 43
Asset-Based
NCAV (Graham) ₹27.28 ₹36.56 ₹54.56 50
Growth DCF
Growth DCF ₹26.84 ₹63.23 ₹122.87 80
Rev-Margin DCF ₹195.75 ₹404.31 ₹837.22 74
Economic Profit
Residual Income ₹111.59 ₹153.62 ₹1,151 61

Widest divergence: DCF Models (₹391.33) versus Asset-Based (₹36.56). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) ₹10.4B
Revenue growth (YoY) +38.8%
Net margin 22.3%
Return on equity 33.7%
Free cash flow ₹345M FY2026
P/E ratio 10.8
More key figures
Operating margin 37.0%
EPS (TTM) ₹16.62
EPS growth (YoY) +5.0%
Net debt ₹13.2B FY2026

Figures from reported company fundamentals · as of Aug 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 45/100

Of which business quality 42 · Market factors (momentum, volatility) 29

Profitability 59
Margins and returns on capital today
Quality Growth 64
Are margins and returns improving?
Cashflow 38
Earnings quality: real cash, not paper profit
Fin. Strength 46
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 60
Calm price path (market factor)
Momentum 25
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

EFC (I) Limited engages in real estate leasing business in India. It operates through the Rental, Interior, and Furniture segments.

Full company description

EFC (I) Limited engages in real estate leasing business in India. It operates through the Rental, Interior, and Furniture segments. The company engages in the development, buying, selling, and leasing out of co-working spaces and infrastructure projects; interior design and interior design consultancy; and manufacture, sale, purchase, import, and export of furniture and fixtures. It also provides property management and asset renting services. The company serves entrepreneurs, small and medium enterprises, and large corporations. EFC (I) Limited was formerly known as Amani Trading and Exports Limited. The company was incorporated in 1984 and is headquartered in Pune, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

EFC (I) Limited reported revenue of ₹10.4B in FY2026 versus ₹0 in FY2022. Reported net income was ₹2.3B in FY2026, compounding +1,064.3%/yr from FY2022.

Growth Quality 70/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
₹10.4B
Latest YoY
+57.9%
Avg. growth/yr (3Y) 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.
+115.8%
Revenue
FY22 ₹0
FY23 ₹1.0B
FY24 ₹4.2B
FY25 ₹6.6B
FY26 ₹10.4B
Net income +1,064.3%/yr
FY22 ₹126K
FY23 ₹43.4M
FY24 ₹580M
FY25 ₹1.1B
FY26 ₹2.3B

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Cite: Fair Value Calculator (2026). "EFC (I) Limited Fair Value". https://www.fairvalue-calculator.com/stock/EFCIL

Peer Group

Real Estate Services · 529 stocks

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.

Quality Score 45 · Below median
Fair Value upside +26% · Above median
Return on equity (TTM) 34% · Top 25%
Return on assets 10% · Top 25%
Net margin (TTM) 22% · Above median
Operating margin (TTM) 37% · Above median
Revenue growth 39% · Top 25%
Debt / equity 0.30× · Lower than median

Valuation Multiples vs Real Estate Services median · lower = cheaper

P/E (TTM) 10.8× · Cheaper than median
P/B 3.54× · Pricier than 75% of peers
P/S (TTM) 2.76× · Pricier than median
P/FCF 0.9× · Cheaper than median
EV/EBITDA 6.5× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 68 · sector 34
FUTURE 100 · sector 10
PAST 100 · sector 16
HEALTH 85 · sector 85
DIVIDEND 0 · sector 59

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Real Estate Services stocks, each showing price versus our Fair Value estimate (as of Aug 15, 2026).

Stock Price Fair Value vs Fair Value
Plaza S.A MALLPLAZA 3,989 CLP 4,571 CLP +15%
PT Solusi Tunas Pratama Tbk SUPR 43,850 IDR 15,049 IDR -66%
Cencosud Shopping S.A CENCOMALLS 2,412 CLP 2,976 CLP +23%
PT Sarana Menara Nusantara Tbk. owns and TOWR 392.00 IDR 1,012 IDR +158%
PT Metropolitan Kentjana Tbk MKPI 22,000 IDR 19,160 IDR -13%
PT Bangun Kosambi Sukses Tbk, CBDK 3,610 IDR 3,464 IDR -4%
IRSA Inversiones y Representaciones Sociedad Anónima, IRSA 2,495 ARS 2,990 ARS +20%
PT Plaza Indonesia Realty Tbk PLIN 2,510 IDR 2,698 IDR +7%
PT MNC Tourism Indonesia Tbk, KPIG 74.00 IDR 122.12 IDR +65%
PT Indonesian Paradise Property Tbk INPP 770.00 IDR 291.52 IDR -62%

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Frequently asked questions

Is EFC (I) Limited (EFCIL) overvalued or undervalued?
As of Aug 15, 2026, our model estimates a fair value of ₹226.16 versus a price of ₹179.92, about +26% (undervalued).
What is the fair value of EFCIL?
Our model-based fair value for EFC (I) Limited is ₹226.16 (as of Aug 15, 2026), built from audited fundamentals. The current price is ₹179.92.
What is the quality score of EFCIL?
EFC (I) 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 revenue of EFC (I) Limited (EFCIL)?
EFC (I) Limited reported trailing-twelve-month revenue of about ₹10.4B (latest available figure, as of Aug 15, 2026).
What is the net profit margin of EFCIL?
The net profit margin of EFC (I) Limited is about 22.3%, meaning it keeps roughly 22.3% 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.

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