Capital India Finance Intrinsic Value
Capital India Finance (CIFL) median intrinsic value is ₹50.34 from 9 valuation models (range ₹15–₹76), vs current price ₹25.17 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit Capital India Finance screener.
CIFL Valuation Methods Summary — DCF, Graham Number & P/E
Capital India Finance intrinsic value across 9 models vs current price ₹25.17 — upside/downside and value range per method. Also explore CIFL share price data to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹55.20 | ₹44.16 - ₹66.24 | +119.3% | EPS: ₹4.60, Sector P/E: 12x |
| Book Value Method | asset | ₹62.93 | ₹56.64 - ₹69.22 | +150.0% | Book Value/Share: ₹83.72, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹50.34 | ₹45.31 - ₹55.37 | +100.0% | Revenue/Share: ₹122.05, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹50.34 | ₹45.31 - ₹55.37 | +100.0% | EBITDA: ₹312.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.47 | ₹12.38 - ₹18.56 | -38.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹29.44 | ₹26.50 - ₹32.38 | +17.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹37.90 | ₹34.11 - ₹41.69 | +50.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹50.34 | ₹45.31 - ₹55.37 | +100.0% | ROE: 27.6%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹75.51 | ₹67.96 - ₹83.06 | +200.0% | EPS: ₹4.60, BVPS: ₹83.72 |
CIFL Intrinsic Value vs Market Price — All Valuation Models
Capital India Finance fair value range ₹15–₹76 vs current market price ₹25.17 across 9 valuation models. Browse Capital India Finance financial data for revenue, profit, balance sheet and cash flow data.
CIFL Intrinsic Value Analysis — Undervalued or Overvalued?
Capital India Finance median intrinsic value ₹50.34, current price ₹25.17 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of CIFL?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Capital India Finance (CIFL) is ₹50.34 (median value). With the current market price of ₹25.17, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹15.47 to ₹75.51, indicating ₹15.47 - ₹75.51.
Is CIFL undervalued or overvalued?
Based on our multi-method analysis, Capital India Finance (CIFL) appears to be trading below calculated value by approximately 100.0%.
CIFL Financial Health — Key Ratios vs Industry Benchmarks
Capital India Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.39 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 27.6% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | -23.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.51x | Industry Standard: 1.0x+ | Above 0.5x | Measures asset utilization efficiency |
CIFL Cash Flow Quality — Operating & Free Cash Flow
Capital India Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹13 Cr | ₹-18 Cr | Positive Operating Cash Flow | 6/10 |
| March 2024 | ₹121 Cr | ₹121 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-23 Cr | ₹-31 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-314 Cr | ₹-369 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-70 Cr | ₹-114 Cr | Negative Cash Flow | 3/10 |