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IFCI Limited (IN:IFCI)
:IFCI
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IFCI Limited (IFCI) AI Stock Analysis

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IN:IFCI

IFCI Limited

(IFCI)

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Neutral 51 (OpenAI - 4o)
Rating:51Neutral
Price Target:
₹56.00
▲(1.54% Upside)
The overall stock score of 51 reflects the mixed financial performance with significant leverage and cash flow risks, neutral technical indicators, and an overvalued P/E ratio. The lack of earnings call data and corporate events limits further insights into the company's prospects.

IFCI Limited (IFCI) vs. iShares MSCI India ETF (INDA)

IFCI Limited Business Overview & Revenue Model

Company DescriptionIFCI Limited provides non-banking financial services to the public sector in India. The company offers project finance for the power sector, including renewable energy, telecommunications, roads, oil and gas, ports, airports, basic metals, chemicals, pharmaceuticals, electronics, textiles, real estate, smart cities, urban infrastructure, etc. It also provides corporate finance, such as balance sheet funding, loan against shares, lease rental discounting, promoter funding, long-term working capital requirement, capital expenditure, and regular maintenance capex services, as well as short term loans for various businesses that include bridge financing and short-term working capital to small, mid, and large corporates. In addition, the company offers financial/investment appraisal, business reengineering, and advisory services for various corporate houses and companies; and structured debt/mezzanine products, as well as assistance in sponsor financing, acquisition financing, pre-IPO financing, off-balance sheet structured solutions, and others. Further, it provides sales and resolution services for non-performing assets; nodal agency services; and credit enhancement guarantee scheme for scheduled castes, as well as acts as debenture trustee for debenture issues. Additionally, the company offers stock broking, commodities broking, currency trading, portfolio management and depository participant services, merchant banking, insurance corporate agency, mutual fund products distribution, IPO distribution, and corporate advisory services. It provides financial support services for airports, roads, telecom, power, real estate, manufacturing, and services sectors; and other allied industries. The company was formerly known as Industrial Finance Corporation of India and changed its name to IFCI Limited in October 1999. IFCI Limited was founded in 1948 and is headquartered in New Delhi, India.
How the Company Makes MoneyIFCI Limited generates revenue through several key streams. The primary source of income is interest earned from loans and financial products offered to its clients, including project financing and corporate loans. Additionally, IFCI earns fees from providing advisory services and structured finance solutions. The company may also engage in strategic partnerships and collaborations that contribute to its revenue. Its earnings are further bolstered by investments in equity and debt instruments, which provide returns over time. As a government-owned entity, IFCI may also receive support or funding from the government for specific developmental projects, which can impact its revenue positively.

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
52
Neutral
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
58
Neutral
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
45
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue19.56B19.56B20.16B16.17B17.97B20.21B
Gross Profit14.21B14.21B14.45B9.75B8.54B8.73B
EBITDA8.32B8.32B8.32B1.00B-14.57B-20.12B
Net Income1.71B1.71B1.04B-2.08B-18.31B-19.42B
Balance Sheet
Total Assets257.24B257.24B189.18B169.39B154.87B203.64B
Cash, Cash Equivalents and Short-Term Investments55.15B55.15B50.46B37.57B9.66B13.82B
Total Debt37.14B37.14B53.67B60.20B71.62B111.10B
Total Liabilities106.45B106.45B112.38B102.70B104.33B153.40B
Stockholders Equity86.91B86.91B45.34B37.67B28.18B37.38B
Cash Flow
Free Cash Flow0.00-10.31B-321.70M-4.01B-2.88B-5.45B
Operating Cash Flow0.00-9.84B118.70M-3.36B-2.57B-4.38B
Investing Cash Flow0.00-697.30M-1.55B-589.60M-300.10M-1.03B
Financing Cash Flow0.004.15B4.04B4.65B731.80M1.93B

IFCI Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price55.15
Price Trends
50DMA
56.10
Positive
100DMA
57.41
Negative
200DMA
53.99
Positive
Market Momentum
MACD
0.80
Negative
RSI
52.74
Neutral
STOCH
59.59
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IFCI, the sentiment is Positive. The current price of 55.15 is above the 20-day moving average (MA) of 54.79, below the 50-day MA of 56.10, and above the 200-day MA of 53.99, indicating a bullish trend. The MACD of 0.80 indicates Negative momentum. The RSI at 52.74 is Neutral, neither overbought nor oversold. The STOCH value of 59.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:IFCI.

IFCI Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
57
Neutral
187.65B57.893.05%2.65%-81.55%
56
Neutral
185.40B27.8611.12%0.10%39.82%96.14%
56
Neutral
153.85B14.1117.01%0.38%25.49%19.81%
56
Neutral
242.67B31.049.78%1.05%4.83%-64.41%
51
Neutral
₹152.07B45.32-4.18%109.86%
51
Neutral
222.42B111.657.64%0.74%3.79%-87.06%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:IFCI
IFCI Limited
55.15
-12.18
-18.09%
IN:CGCL
Capri Global Capital Limited
188.45
-16.93
-8.24%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,417.35
211.55
17.54%
IN:FIVESTAR
Five-Star Business Finance Limited
522.45
-275.29
-34.51%
IN:IIFL
IIFL Finance Limited
441.55
-36.30
-7.60%
IN:MANAPPURAM
Manappuram Finance Limited
280.80
81.26
40.72%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 16, 2025