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10 Yrs X-Ray 
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Analyst Note 
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About
IFCI Ltd (IFCI)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500106 NSE: IFCI Finance Term Lending | Small Cap | IFCI Share Price
₹82.32 -2.82 (-3.31%)
As on 11-Sep'26 16:59
IFCI Ltd (IFCI)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 500106 NSE: IFCI Finance Term Lending | Small Cap | IFCI Share Price
₹82.32 -2.82 (-3.31%)
As on 11-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹22,180 Cr.
Current Price
₹82.3
52-Week Low / High
₹46 / 107
TTM EPS
₹0.7
Book Value per Share
₹33.4
P/E Ratio
127.15
Higher than its 3-year historical median
Industry PE
7.7
Price to Book (P/B)
2.46
Lower than its 5-year historical median
EV/EBITDA
18.13
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
4.93%
Outperforms industry median
Return on Capital Employed (ROCE)
7.56%
Underperforms industry median
Return on Assets (ROA)
1.66%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
59.09%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
2.95%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
78.44%
TTM Sales
₹1,785 Cr.
Reserves
₹6,311 Cr.
Equity
₹2,694.3 Cr.
Face Value
₹10
All Time Low / High
₹2.65 / 121.20
Check Before You Invest
Quality
Not GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Semi Strong
Is IFCI Ltd a good quality company?
IFCI Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does IFCI Ltd performance compare with that of its Peers?
AUM Growth of IFCI Ltd vs Industry Peers?
IFCI Ltd AUM CAGR is 7.33%, compared to the 5-year industry median CAGR of 3.99%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of IFCI Ltd?
Promoters hold 72.57% of the IFCI Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of IFCI Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 11.3% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IFCI Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 2,740 | 3,545 | 2,157 | 2,244 | 1,361 | 757 | 744 | 840 | 840 | 898 | 787 | |
| YoY Gr. Rt. % | - | 29.4% | -39.1% | 4% | -39.3% | -44.4% | -1.8% | 13% | -0% | 6.9% | - | |
| Adj EPS (₹ ) | -2.8 | 2.8 | -2.6 | -1.6 | -10.3 | -9.5 | -1.3 | 0.5 | 0.2 | 0.2 | 0.2 | |
| YoY Gr. Rt. % | - | NA | -194.9% | NA | NA | NA | NA | NA | -69.2% | 18.8% | - | |
| BVPS (₹ ) | 34.2 | 27.8 | 24.9 | 23 | 11.5 | 2.1 | 1 | 2.9 | 6.4 | 6.6 | 6.7 | |
| YoY Gr. Rt. % | - | -18.6% | -10.5% | -7.5% | -50.3% | -81.5% | -51.4% | 178.6% | 124.4% | 3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -1.4 | 1.7 | -2 | -1.5 | -13.2 | -19.5 | -4 | 1.6 | 0.5 | 0.6 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -11.7% | -8% | 6.5% | 6.9% | ||||
| Adj EPS | NA | NA | NA | 18.8% | ||||
| BVPS | -16.7% | -10.4% | 86% | 3% | ||||
| Share Price | 11.6% | 48.8% | 73.1% | 54.1% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | -16.7 | 13.2 | -20.6 | -12.4 | -143.8 | -263.1 | -38.7 | 15.3 | 5.2 | 5.8 | 6.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -7.8 | 9 | -9.9 | -6.8 | -64.4 | -152.2 | -85.7 | 27.3 | 3.6 | 2.9 | 3 | |
Valuation of IFCI - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 4,331 | 4,439 | 3,189 | 2,934 | 2,113 | 1,646 | 1,728 | 2,440 | 2,289 | 2,137 |
| Exceptional Items ⓘ | 752 | 309 | 368 | 62 | 46 | 93 | 34 | 453 | 270 | 68 |
| Expenditure ⓘ + | 4,940 | 3,998 | 3,883 | 3,024 | 4,200 | 3,168 | 1,701 | 1,692 | 1,537 | 1,602 |
| Exceptional Items ⓘ | 0 | -2 | -2 | -4 | 2 | -1 | -1 | 3 | -3 | -11 |
| Profit Before Tax ⓘ | -609 | 439 | -696 | -94 | -2,085 | -1,523 | 26 | 751 | 749 | 524 |
| Taxes ⓘ | -285 | 22 | -220 | 129 | -173 | 238 | 146 | 510 | 400 | 90 |
| Profit After Tax | -324 | 416 | -476 | -223 | -1,912 | -1,761 | -120 | 241 | 349 | 435 |
| Adjusted EPS (₹) | -2.1 | 2.3 | -2.9 | -1.4 | -10.2 | -8.7 | -1.0 | 0.4 | 0.6 | 0.7 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 7,134 | 5,889 | 5,357 | 5,049 | 3,538 | 2,818 | 3,367 | 4,034 | 8,691 | 8,945 |
| Short term borrowings | 216 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 19,536 | 20,251 | 16,196 | 12,619 | 10,870 | 7,446 | 8,282 | 8,269 | 7,984 | 8,670 |
| Current Liabilities | 6,172 | 2,033 | 1,611 | 1,857 | 2,762 | 2,062 | 1,558 | 2,969 | 2,661 | 2,395 |
| Trade Payables | 204 | 297 | 380 | 440 | 621 | 393 | 275 | 463 | 428 | 401 |
| Other Liabilities | -420 | -306 | -380 | -240 | -421 | -393 | 125 | 37 | -428 | -401 |
| Total Liabilities ⓘ | 33,209 | 29,273 | 24,274 | 20,803 | 18,657 | 14,563 | 16,509 | 18,918 | 25,724 | 26,570 |
Assets | ||||||||||
| Non Current Asset + | 24,880 | 24,822 | 21,106 | 16,928 | 13,172 | 10,594 | 11,465 | 11,251 | 18,344 | 18,176 |
| Current Asset + | 8,329 | 4,451 | 3,168 | 3,875 | 5,485 | 3,969 | 5,043 | 7,666 | 7,380 | 8,395 |
| Total Assets ⓘ | 33,209 | 29,273 | 24,274 | 20,803 | 18,657 | 14,563 | 16,509 | 18,918 | 25,724 | 26,570 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 802 | -972 | 444 | 635 | -438 | -257 | -336 | 12 | -984 | 280 |
| Cash Flow From Investing Activity ⓘ | -8 | 195 | -23 | -33 | -103 | -30 | -59 | -155 | -70 | 25 |
| Cash Flow From Financing Activity ⓘ | -29 | 43 | -234 | 196 | 193 | 73 | 465 | 404 | 415 | -149 |
| Net Cash Flow ⓘ | 765 | -734 | 186 | 798 | -348 | -213 | 70 | 261 | -638 | 156 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | -2.10 | 2.30 | -2.90 | -1.40 | -10.20 | -8.70 | -1 | 0.40 | 0.60 | 0.70 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 36.6 | 34.7 | 31.6 | 29.8 | 18.7 | 13.4 | 15.3 | 16.2 | 32.3 | 33.2 |
Performance Ratios | ||||||||||
| ROA (%) | -0.9 | 1.3 | -1.8 | -1.0 | -9.7 | -10.6 | -0.8 | 1.4 | 1.6 | 1.7 |
| ROE (%) | -5.2 | 7.0 | -8.5 | -4.3 | -44.5 | -55.4 | -3.9 | 6.5 | 5.5 | 4.9 |
| ROCE (%) | 5.4 | 9.1 | 4.6 | 6.9 | -5.8 | -4.7 | 6.8 | 13.4 | 11.5 | 7.6 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.8 | 0.6 | 0.4 | 0.1 | 0.6 | 0.8 | 0.6 | 2.5 | 1.3 | 1.4 |
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
IFCI Ltd FAQs
The current trading price of IFCI on 11-Sep-2026 16:59 is ₹82.32.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Sep-2026 the market cap of IFCI stood at ₹22,179.6 Cr
The latest P/E ratio of IFCI as of 10-Sep-2026 is 418.6.
The latest P/B ratio of IFCI as of 10-Sep-2026 is 12.36.
The 52-week high of IFCI is ₹107.5 and the 52-week low is ₹46.20.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IFCI is ₹787 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that IFCI Ltd is a below average quality company.
The key valuation ratios of IFCI Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of IFCI Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About IFCI Ltd
Established in 1948 as a statutory corporation, IFCI is a company listed on BSE and NSE. The company has played a pivotal role in setting up various market intermediaries of repute in several niche areas like stock exchanges, entrepreneurship development organizations, consultancy organizations, educational and skill development institutes across the length and breadth of the country.
The company has played a pivotal role in setting up various market intermediaries of repute in several niche areas like stock exchanges, entrepreneurship development organizations, consultancy organizations, educational and skill development institutes across the length and breadth of the country.
Business area of the company
IFCI provides financial support for the diversified growth of Industries across the spectrum. The financing activities cover various kinds of projects such as airports, roads, telecom, power, real estate, manufacturing, services sector and such other allied industries.
Products and services
1) Debenture Trustee
2) Sale & Resolution of NPAs
3) Financial Products
- Loan Products
- Project Finance
- Corporate Finance
- Syndication & Advisory
- Structured Products
The Journey of IFCI
At the time of independence in 1947, the Indian Capital Markets were relatively less developed. The demand for capital was growing rapidly, however there was a dearth of providers of capital. The commercial banks that existed were not equipped well enough to provide for long term capital needs in any significant manner. Against this backdrop and to bridge the demand supply gap for capital needs of the economy, the Government of India established The Industrial Finance Corporation of India (IFCI) on July 1, 1948 by way of an IFC Act 1948.
IFCI was the first Development Financial Institution of India set up to propel economic growth through development of infrastructure and industry. Since then, IFCI has contributed significantly to the economy through its incessant support to projects in all the three spheres of growth & development - manufacturing, infrastructure & services and agriculture allied sectors. The Liberalisation of the Indian Economy in 1991 made significant changes in the Indian Capital Markets & Financial System. To aid raising of funds directly through capital markets, the constitution of IFCI was changed from a statutory corporation to a company under the Indian Companies Act, 1956. Subsequently, the name of the company was changed to ‘IFCI Limited’ with effect from October 1999.
1948: Set up as India’s first Development Financial Institution (DFI).
1993: Become a public limited company and was listed on the stock exchange.
2015: Became a government company.
Presently: An established NBFC - ND - SI in the economy.
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