EFC (I) Limited (EFCIL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of EFC (I) Limited ₹84.00, price ₹171, upside -50.9%, quality 45 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. As of Sep 27, 2026.
How to read this chart
13‑month range ₹171.20 – ₹344.85 · fair‑value band ₹59.26 – ₹148.98 · the ₹171.20 price screens above the ₹84.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 27, 2026.
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EFC (I) Limited engages in real estate leasing business in India. It operates through the Rental, Interior, and Furniture segments.
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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.
Stock analysis
EFC (I) Limited (EFCIL) currently trades at ₹171.20, while our model-based Fair Value estimate is ₹84.00, 50.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of ₹316.27 per share, and 9 of the 14 models we run sit above the ₹171.20 price.
Bear case: the Asset-Based group reads lowest at ₹36.56, and 5 of the 14 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹59.26 (bear) to ₹148.98 (bull), the price of ₹171.20 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 Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
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. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹28.6B (≈ $298M) · P/E ratio 10.3 · P/S ratio 2.30 · EPS (TTM) ₹16.62 · Net margin 22.3% · Return on equity 33.7% · Return on assets (EBIT) 7.3% · Operating margin 37.0%.
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 at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −10% fair-value upside, at −51%, EFCIL screens richer than that median.
Fair Value models
Bear ₹59.26Fair Value ₹84.00Bull ₹148.98
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 (₹8.38 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.
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.70/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+57.9%
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.
+115.8%
’23
’24
’25
’26
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.
20.3% (2023) → 33.6% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+49.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +43.2% a year for the price.
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.Real Estate Services · 538 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Below median
Fair Value upside−50.9% · Bottom 25%
Profitability
Return on equity (TTM)33.7% · Top 25%
Return on assets10.0% · Top 25%
Net margin (TTM)22.3% · Above median
Operating margin (TTM)37.0% · Above median
Growth and dividend
Revenue growth38.8% · Top 25%
Balance sheet
Debt / equity0.30× · Below median
Valuation Multiplesvs Real Estate Services median · lower = cheaper
P/E (TTM)10.3× · Cheaper than median
P/B3.54× · Priciest 25%
P/S (TTM)2.76× · Pricier than median
P/FCF82.8× · Priciest 25%
EV/EBITDA6.5× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 46
FUTURE (revenue growth)100· sector 12
PAST (return on equity)100· sector 16
HEALTH (low debt)85· sector 83
DIVIDEND (yield)0· sector 62
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is EFC (I) Limited (EFCIL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹84.00 versus a price of ₹171.20, about −51% upside (overvalued).
What is the fair value of EFCIL?
Our model-based fair value for EFC (I) Limited is ₹84.00 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹171.20.
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 price target for EFC (I) Limited (EFCIL)?
Our model-based price target is the fair value of ₹84.00 (as of Sep 27, 2026) from 14 valuation models. Cautious scenario ₹59.26, optimistic scenario ₹148.98. It is a calculation from audited fundamentals, not an analyst target.
What is the EFC (I) Limited stock forecast for 2026?
Our models put fair value at ₹84.00, about −51% upside versus a price of ₹171.20 (overvalued). Cautious scenario ₹59.26, optimistic scenario ₹148.98. The calculation is refreshed regularly with new filings.
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 Sep 27, 2026).
What growth is priced into EFC (I) Limited (EFCIL)?
For today's price to be fair in a discounted-cash-flow model, EFC (I) Limited would have to grow free cash flow by +49.2 % per year for five years (discount rate 14.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +115.8 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of EFCIL use?
Our models discount EFC (I) Limited at 14.6 %: a base by market capitalisation (micro), damped by beta 0.80, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For EFC (I) Limited that is +49.2 % per year a year over ten years, using the same discount rate (14.6 %) and the same formula as our fair value.
How much growth has EFC (I) Limited (EFCIL) delivered so far?
Over the past 3 years revenue at EFC (I) Limited grew +115.8 % a year. The price currently implies +49.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of EFC (I) Limited (EFCIL) growing?
The median revenue growth in the sector is +1.9 % a year. That is the yardstick for the growth priced into EFC (I) Limited (+49.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of EFC (I) Limited (EFCIL)?
The free-cash-flow yield on the price is 1.45 %: that much free cash flow EFC (I) Limited produces per unit of market value. When it exceeds the discount rate of our models (14.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of EFC (I) Limited (EFCIL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EFC (I) Limited it is ₹84.00 per share (as of Sep 27, 2026), against a price of ₹171.20. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is EFC (I) Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, EFCIL trades above its calculated fair value: price ₹171.20, fair value ₹84.00, a gap of about −51% (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 EFCIL?
No. The price is what the market pays today (₹171.20); the fair value is what the company's own numbers justify (₹84.00). For EFC (I) Limited the two are ₹87.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is EFC (I) Limited worth?
The market values EFC (I) Limited at about ₹28.6B (market capitalisation, as of Sep 27, 2026). Per share that is ₹171.20; our models calculate a fair value of ₹84.00 per share.
What do the bullish and bearish scenarios say about EFCIL?
Our models span a range for EFC (I) Limited: cautious scenario ₹59.26, base ₹84.00, optimistic ₹148.98 per share (as of Sep 27, 2026, price ₹171.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EFCIL?
EFC (I) Limited trades at a price-to-earnings ratio of 10.3 (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 ₹84.00 is built from several models across several years. Other multiples: P/B 3.5, P/S 2.8, EV/EBITDA 6.5.
How solid is the balance sheet of EFC (I) Limited (EFCIL)?
Balance-sheet figures for EFC (I) Limited (as of Sep 27, 2026): return on equity 33.7%, debt of 0.30 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is EFCIL from its 52-week high?
EFC (I) Limited trades at ₹171.20, about 46% below its 52-week high of ₹314.20 and at the low of ₹171.20 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹84.00 is for.
Which stocks are comparable to EFC (I) Limited?
From the same area (Real Estate) we also value CBRE Group, KE Holdings, Cellnex Telecom, S.A, Swire Properties Limited, 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 EFC (I) Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹171.20, calculated fair value ₹84.00 (−51%), Quality Score 45/100, from 14 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 EFCIL calculated?
We run EFC (I) Limited through 14 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 ₹84.00, 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. EFC (I) 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 EFC (I) Limited (EFCIL)?
The closing price on Oct 1, 2026 was ₹171.20. Our model-based fair value is ₹84.00, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EFC (I) Limited right now?
The price sits above even our optimistic bull case (₹148.98). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹59.26 to ₹148.98) leaves room in how you read the outcome. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of EFC (I) Limited
How large is the market capitalisation of EFC (I) Limited (EFCIL)?
The market capitalisation of EFC (I) Limited is ₹28.6B (≈ $298M). 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 EFC (I) Limited (EFCIL)?
The price-to-sales ratio of EFC (I) Limited is 2.30 (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 EFC (I) Limited (EFCIL)?
Earnings per share at EFC (I) Limited are ₹16.62 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EFC (I) Limited (EFCIL)?
The net margin of EFC (I) Limited is 22.3% (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 EFC (I) Limited (EFCIL)?
The return on equity (ROE) of EFC (I) Limited is 33.7% (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 EFC (I) Limited (EFCIL)?
On an EBIT basis the return on assets of EFC (I) Limited is 7.3% (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 EFC (I) Limited (EFCIL)?
The operating margin of EFC (I) Limited is 37.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EFC (I) Limited (EFCIL)?
Revenue at EFC (I) Limited is growing +38.8% versus a year earlier (3y avg +116%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at EFC (I) Limited (EFCIL)?
Earnings per share at EFC (I) Limited are growing +5.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does EFC (I) Limited (EFCIL) carry?
The net debt of EFC (I) Limited is ₹13.2B (fiscal year 2026, ≈ 38.2 yrs of FCF). 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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