IFCI Limited (IFCI) AI Stock Analysis

• Market Cap: ₹151.47B
• Dividend Yield: N/A
• Average Volume (3M): 871.17K
• Price to Earnings (P/E): 47.2
• Beta (1Y): 2.07
• Revenue Growth: -12.62%
• EPS Growth: 175.71%
• Country: IN
• Employees: 136
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.53
• Shares Outstanding: 2,694,314,200
• 10 Day Avg. Volume: 894,688
• 30 Day Avg. Volume: 871,170
• PEG Ratio: 1.24
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 5.95
• P/FCF Ratio: -11.29
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 45 Neutral
• Price Target: ₹49.00 ▼(-4.61% Downside)

The overall stock score of 45 reflects significant financial risks due to high leverage and negative cash flows, compounded by bearish technical indicators. The stock's high P/E ratio without a dividend yield further detracts from its valuation appeal. Investors should be cautious given the current financial and market conditions.

Positive Factors

Profitability Margins

Improved profitability margins suggest better cost management and operational efficiency, which can enhance long-term financial stability and shareholder value.

Equity Position

A stronger equity base provides a solid foundation for future growth and reduces financial risk, enhancing the company's ability to withstand economic fluctuations.

Return on Equity

Positive return on equity indicates effective use of shareholders' funds, which can lead to increased investor confidence and potential for future investments.

Negative Factors

High Leverage

High leverage can increase financial risk and limit flexibility, potentially impacting the company's ability to invest in growth opportunities and manage economic downturns.

Negative Cash Flows

Negative cash flows can strain liquidity and hinder the company's ability to fund operations and growth initiatives, posing a risk to financial health.

Volatile Revenue Trend

Inconsistent revenue trends can create uncertainty and challenge long-term planning, potentially affecting strategic investments and market positioning.

IFCI Limited Business Overview & Revenue Model

Company Description

IFCI Limited (IFCI) is a leading financial institution in India, primarily engaged in providing a wide range of financial services including project financing, infrastructure financing, and investment banking. Established in 1948, IFCI plays a vital role in promoting industrial development in the country by extending financial assistance to various sectors such as manufacturing, infrastructure, and services. The company also offers advisory services and is involved in the management of venture capital funds, making it a pivotal player in the Indian financial landscape.

How the Company Makes Money

IFCI generates revenue through multiple streams including interest income from loans and advances provided to various industries, fees and commissions from investment banking services, and returns from its portfolio of investments. The company primarily earns money by lending to businesses at interest rates higher than its own borrowing costs, thus creating a profit margin. Additionally, IFCI engages in financial advisory services and manages funds that contribute to its revenue. Strategic partnerships with governmental and non-governmental organizations also bolster its financing capabilities, while diversification into infrastructure projects and venture capital management further enhances its earnings potential.

IFCI Limited Financial Statement Overview

Summary

IFCI Limited exhibits a mixed financial performance with improvements in profitability margins and equity position. However, the high leverage and negative cash flows pose significant risks. The company needs to focus on stabilizing cash flows and managing debt to ensure sustainable growth.

Income Statement

The company has shown a volatile revenue trend with a decline from 2020 to 2024, but a significant increase in 2025. Gross profit margin and EBIT margin improved in 2025, indicating better cost management. However, net profit margins remain low, and there was a significant drop in revenue growth rate in 2024, followed by a recovery in 2025.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio, indicating potential leverage risk. However, the equity base has strengthened significantly in 2025, improving the equity ratio. Return on equity has improved from negative in previous years to positive in 2025, reflecting better utilization of equity.

Cash Flow

Cash flows have been inconsistent, with operating cash flow and free cash flow turning negative in 2025. The company shows a declining trend in free cash flow growth rate, and the free cash flow to net income ratio is unfavorable. The operating cash flow to net income ratio also remains negative.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	19.95B	19.56B	20.16B	16.17B	17.97B	20.21B
Gross Profit	14.90B	14.21B	14.45B	9.75B	8.54B	8.73B
EBITDA	8.96B	8.32B	8.32B	1.00B	-14.57B	-20.12B
Net Income	3.19B	1.71B	1.04B	-2.08B	-18.31B	-19.42B
Balance Sheet
Total Assets	0.00	257.24B	189.18B	169.39B	154.87B	203.64B
Cash, Cash Equivalents and Short-Term Investments	0.00	55.15B	50.46B	38.77B	9.66B	27.46B
Total Debt	0.00	37.14B	53.67B	60.20B	71.62B	111.10B
Total Liabilities	-150.79B	106.45B	112.38B	102.70B	104.33B	153.40B
Stockholders Equity	150.79B	86.91B	45.34B	37.67B	28.18B	37.38B
Cash Flow
Free Cash Flow	0.00	-10.31B	-321.70M	-4.01B	-2.88B	-5.45B
Operating Cash Flow	0.00	-9.84B	118.70M	-3.36B	-2.57B	-4.38B
Investing Cash Flow	0.00	-697.30M	-1.55B	-589.60M	-300.10M	-1.03B
Financing Cash Flow	0.00	4.15B	4.04B	4.65B	731.80M	1.93B

IFCI Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 51.37
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IFCI, the sentiment is Negative. The current price of 51.37 is below the 20-day moving average (MA) of 53.85, below the 50-day MA of 55.48, and below the 200-day MA of 53.19, indicating a bearish trend. The MACD of -1.29 indicates Positive momentum. The RSI at 35.32 is Neutral, neither overbought nor oversold. The STOCH value of 24.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IFCI.

IFCI Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FIVESTAR	67 Neutral	₹192.26B	17.36	―	0.33%	20.44%	13.10%
IIFL	66 Neutral	₹229.09B	26.68	―	―	8.01%	-20.87%
CREDITACC	54 Neutral	₹220.37B	164.97	―	0.73%	0.75%	-90.03%
CGCL	52 Neutral	₹189.59B	24.01	―	0.11%	43.41%	109.52%
MANAPPURAM	49 Neutral	₹241.49B	53.76	―	0.91%	-3.68%	-80.12%
IFCI	45 Neutral	₹151.47B	47.22	―	―	-12.62%	175.71%

IFCI Limited Corporate Events

IFCI Limited Opens Special Window for Physical Share Transfers

IFCI Limited has announced the opening of a Special Window for the re-lodgement of transfer requests for physical shares, in compliance with a SEBI circular. This window, open from July 7, 2025, to January 6, 2026, allows shareholders to resubmit transfer deeds that were previously rejected or unattended due to document deficiencies. The shares re-lodged during this period will be issued in demat mode, which aligns with regulatory requirements and aims to streamline the transfer process.

IFCI Limited Conducts 32nd AGM via Video Conference

IFCI Limited held its 32nd Annual General Meeting on October 29, 2025, through video conferencing, in compliance with regulatory requirements. The meeting included the introduction of key company officials and auditors, confirmation of the quorum, and instructions for electronic voting, highlighting the company’s adherence to corporate governance and stakeholder engagement.

IFCI Limited Receives Extension for 2025 AGM

IFCI Limited has announced an extension for holding its Annual General Meeting (AGM) for the financial year ending March 31, 2025. The Registrar of Companies has granted a three-month extension, allowing the AGM to be held by December 30, 2025, due to difficulties faced by the company. This extension is crucial for IFCI to ensure compliance with regulatory requirements and maintain its operational schedule.

IFCI Limited Opens Special Window for Share Transfer Requests

IFCI Limited has announced the opening of a special six-month window for the re-lodgement of transfer requests of physical shares, as per the SEBI circular dated July 2025. This initiative allows shareholders who missed previous deadlines to submit necessary documents for transfer requests that were previously rejected or unattended due to deficiencies. The company is also encouraging shareholders to update their KYC details as part of the ‘Saksham Niveshak’ campaign initiated by the Ministry of Corporate Affairs and the Investor Education and Protection Fund Authority, aiming to ensure smooth processing of investments and entitlements.

IFCI Limited Announces Virtual AGM for 2025

IFCI Limited announced the scheduling of its 32nd Annual General Meeting (AGM) on October 29, 2025, to be conducted virtually. The company has dispatched the AGM notice and the Annual Report for the fiscal year 2024-25 to shareholders electronically, ensuring compliance with regulatory requirements. This move reflects IFCI’s commitment to transparency and stakeholder engagement, while also adapting to digital means for corporate governance.

IFCI Limited Announces 32nd AGM Details and Annual Report Access

IFCI Limited has announced the details of its 32nd Annual General Meeting (AGM), which is scheduled to be held on October 29, 2025, via video conference. The company has dispatched the AGM notice and the Annual Report for FY 2024-25 electronically to shareholders, with provisions for those without registered email addresses to access the report online. The announcement includes details about the cut-off date for voting rights, the period of book closure, and the remote e-voting schedule, reflecting IFCI’s compliance with regulatory requirements and its commitment to ensuring shareholder engagement.