IFCI Limited (IFCI) AI Stock Analysis

• Market Cap: ₹143.04B
• Dividend Yield: N/A
• Average Volume (3M): 483.04K
• Price to Earnings (P/E): 43.9
• Beta (1Y): 1.69
• Revenue Growth: -4.18%
• EPS Growth: 109.86%
• Country: IN
• Employees: 136
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): 0.15
• Shares Outstanding: 2,694,314,200
• 10 Day Avg. Volume: 360,998
• 30 Day Avg. Volume: 483,036
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹57.00
• Price Target Upside: 9.20% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 46 Neutral
• Price Target: ₹57.00 ▲(9.20% Upside)

IFCI Limited's overall stock score is primarily impacted by its mixed financial performance, characterized by improvements in profitability and equity but hampered by high leverage and negative cash flows. Technical analysis indicates bearish momentum, and the high P/E ratio raises concerns about overvaluation.

IFCI Limited Business Overview & Revenue Model

Company Description

IFCI Limited (IFCI) is a government-owned financial institution in India, primarily involved in providing financial support for the development and growth of industries in the country. It operates in various sectors such as infrastructure, manufacturing, services, and agro-based industries. IFCI offers a range of financial products and services including project financing, corporate loans, structured finance, and advisory services, catering to both public and private sector enterprises.

How the Company Makes Money

IFCI 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

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	19.56B	19.56B	20.16B	16.17B	17.97B	20.21B
Gross Profit	14.21B	14.21B	14.45B	9.75B	8.54B	8.73B
EBITDA	8.32B	8.32B	8.32B	1.00B	-14.57B	-20.12B
Net Income	1.71B	1.71B	1.04B	-2.08B	-18.31B	-19.42B
Balance Sheet
Total Assets	257.24B	257.24B	189.18B	169.39B	154.87B	203.64B
Cash, Cash Equivalents and Short-Term Investments	55.15B	55.15B	50.46B	37.57B	9.66B	13.82B
Total Debt	37.14B	37.14B	53.67B	60.20B	71.62B	111.10B
Total Liabilities	106.45B	106.45B	112.38B	102.70B	104.33B	153.40B
Stockholders Equity	86.91B	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: 52.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 52.2 is below the 20-day moving average (MA) of 53.32, below the 50-day MA of 58.08, and below the 200-day MA of 54.43, indicating a bearish trend. The MACD of -1.48 indicates Negative momentum. The RSI at 38.42 is Neutral, neither overbought nor oversold. The STOCH value of 38.52 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	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
CGCL	56 Neutral	₹181.22B	27.20		0.08%	39.82%	96.03%
FIVESTAR	56 Neutral	₹155.26B	14.38		0.38%	25.49%	19.81%
IIFL	56 Neutral	₹186.29B	57.39		0.75%	2.65%	-81.55%
MANAPPURAM	56 Neutral	₹240.43B	30.47		1.06%	4.83%	-64.41%
CREDITACC	51 Neutral	₹221.75B	114.18		0.72%	3.79%	-87.06%
IFCI	46 Neutral	₹143.04B	43.92		―	-4.18%	109.86%