Capital India Finance Intrinsic Value
Capital India Finance (CIFL) median intrinsic value is ₹43.10 from 4 valuation models (range ₹15–₹54), vs current price ₹21.55 — +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 4 models vs current price ₹21.55 — upside/downside and value range per method. Read CIFL dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹53.88 | ₹48.49 - ₹59.27 | +150.0% | Book Value/Share: ₹86.28, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹43.10 | ₹38.79 - ₹47.41 | +100.0% | Revenue/Share: ₹64.62, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹43.10 | ₹38.79 - ₹47.41 | +100.0% | EBITDA: ₹96.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.47 | ₹12.38 - ₹18.56 | -28.2% | CF Growth: 5.0%, Discount: 15% |
CIFL Intrinsic Value vs Market Price — All Valuation Models
Capital India Finance fair value range ₹15–₹54 vs current market price ₹21.55 across 4 valuation models. Analyse Capital India Finance ownership pattern to track promoter, FII and institutional holdings.
CIFL Intrinsic Value Analysis — Undervalued or Overvalued?
Capital India Finance median intrinsic value ₹43.10, current price ₹21.55 — 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 4 different valuation methods, the estimated intrinsic value of Capital India Finance (CIFL) is ₹43.10 (median value). With the current market price of ₹21.55, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹15.47 to ₹53.88, indicating ₹15.47 - ₹53.88.
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 | 0.41 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -1.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 17.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.27x | Industry Standard: 1.0x+ | Below 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 |