EFC (I) Ltd. (EFCIL) AI Stock Analysis

EFC (I) Ltd.

(NSE:EFCIL)

Select Model

Rating:71Outperform

Price Target:INR 189.00▲(8.95% Upside)

Action:upgraded

Date:08/30/26

EFC (I) Ltd. achieves a solid score primarily driven by phenomenal revenue growth, expanding profit margins, and a highly attractive valuation. Short-term technical indicators also display positive momentum. However, the overall score is constrained by underlying structural risks, particularly the significant divergence between accounting profits and actual cash flow generation, alongside rising balance sheet leverage.

Positive Factors

Revenue and profit growthThe sharp FY2026 increase in revenue and net income indicates substantial expansion in operating scale and reported earnings power. If sustained, this growth can strengthen the company’s market position, support reinvestment, and provide a larger base from which future profitability can compound.

Negative Factors

Elevated leverageRising debt-to-equity increases the company’s financial obligations and reduces flexibility if operating conditions weaken. Higher leverage can constrain investment choices, make cash-flow shortfalls more consequential, and leave less capacity to absorb volatility while the business continues to scale.

EFC (I) Ltd. (EFCIL) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 25.30B
Dividend Yield: ―
Average Volume (3M): 64.77K
Price to Earnings (P/E): 8.6
Beta (1Y): 1.49
Revenue Growth: 42.05%
EPS Growth: 42.32%
Country: India
Employees: 413
Sector: General
Sector Strength: 55
Industry: Real Estate - Services

EFC (I) Ltd. Business Overview & Revenue Model

Company Description

EFC (I) Limited is an Indian firm primarily engaged in the real estate leasing sector. Its activities are segmented across Rental, Interior, and Furniture operations. The company's real estate ventures encompass the development, acquisition, sale, an...

EFC (I) Ltd. Financial Statement Overview

Summary

Demonstrates exceptional top-line growth and significant margin expansion, driving strong profitability. However, the score is tempered by rising debt levels and weak cash flow generation that lags significantly behind reported net income.

Income Statement

90Very Positive

Balance Sheet

65Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2025	Mar 2024
Income Statement
Total Revenue	4.66B	10.37B	6.57B
Gross Profit	3.01B	4.42B	34.19M
EBITDA	2.25B	4.68B	3.42B
Net Income	754.42M	2.32B	1.13B
Balance Sheet
Total Assets	21.71B	26.75B	16.99B
Cash, Cash Equivalents and Short-Term Investments	1.50B	882.93M	1.41B
Total Debt	11.02B	14.06B	8.78B
Total Liabilities	14.87B	18.61B	11.18B
Stockholders Equity	6.22B	8.07B	5.43B
Cash Flow
Free Cash Flow	634.34M	345.35M	-117.62M
Operating Cash Flow	444.11M	345.35M	1.34B
Investing Cash Flow	3.43B	968.69M	-1.05B
Financing Cash Flow	-3.91B	-1.38B	-243.72M

EFC (I) Ltd. Technical Analysis

Technical Analysis SentimentNeutral

Last Price173.47

Price Trends

50DMA181.02Negative

100DMA185.36Negative

200DMA200.92Negative

Market Momentum

MACD-2.73Negative

RSI48.46Neutral

STOCH69.03Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:EFCIL, the sentiment is Neutral. The current price of 173.47 is above the 20-day moving average (MA) of 169.98, below the 50-day MA of 181.02, and below the 200-day MA of 200.92, indicating a neutral trend. The MACD of -2.73 indicates Negative momentum. The RSI at 48.46 is Neutral, neither overbought nor oversold. The STOCH value of 69.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:EFCIL.

EFC (I) Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:EFCIL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:EFCIL	71Outperform	INR 25.69B	8.57	―	―	42.05%	42.32%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:TEXINFRA	54Neutral	INR 14.39B	157.03	―	0.13%	5.51%	―
IN:SMARTWORKS	53Neutral	INR 54.74B	97.07	―	―	―	―
IN:AURUM	51Neutral	INR 15.39B	54.57	―	―	68.14%	―
IN:SCILAL	45Neutral	INR 16.21B	45.06	―	1.58%	19.06%	―
IN:INDIQUBE	44Neutral	INR 35.93B	-37.85	―	―	―	―

* General Sector Average

Performance Comparison

IN:EFCIL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:EFCIL	EFC (I) Ltd.	171.35	-117.80	-40.74%
IN:AURUM	Aurum Proptech Limited	201.35	29.65	17.27%
IN:SCILAL	Shipping Corporation of India Land and Assets Limited	34.80	-14.98	-30.09%
IN:TEXINFRA	Texmaco Infrastructure & Holdings Limited	112.90	10.88	10.67%
IN:SMARTWORKS	Smartworks Coworking Spaces Limited	478.55	-115.55	-19.45%
IN:INDIQUBE	Indiqube Spaces Limited	169.50	-44.40	-20.76%

EFC (I) Ltd. Corporate Events

EFC (I) Limited Schedules Q2 and H1 FY27 Earnings Call for Investors

Oct 29, 2026

EFC (I) Limited has announced it will host an earnings conference call for analysts and investors on November 3, 2026, at 11:00 a.m. IST to discuss its second-quarter and first-half FY27 results. The call details have been filed with the BSE and NSE...

EFC (I) Limited Consolidates Managed Office Business Through Demerger Scheme

Sep 24, 2026

EFC (I) Limited has announced a Scheme of Arrangement involving the demerger of the asset-light managed office solutions business of its wholly owned subsidiary, EFC Limited, into the listed parent company. The move is framed as a corporate reorganiz...

EFC (I) Limited Details ESG Progress in 2025-26 Sustainability Report

Sep 8, 2026

EFC (I) Limited has released its Business Responsibility and Sustainability Report for the 2025-26 financial year, which forms part of the company’s annual report and is available on its website. The disclosure complies with Regulation 34(2)(f)...

EFC (I) Ltd unlocks INR 39 crore by selling Pune SPV, retains coworking operations

Sep 4, 2026

EFC (I) Limited has completed the sale of its entire 100 percent equity stake in Sanvritti Alpha Private Limited, the special purpose vehicle holding two floors in Pune’s Konark Alpha Building, for a consideration of INR 39 crore. The asset, de...

EFC (I) Ltd. Issues Corrigendum to Postal Ballot Notice, Widens Shareholder Disclosure

Aug 23, 2026

EFC (I) Ltd. has issued a corrigendum to its postal ballot notice dated August 18, 2026 in order to supplement the explanatory statement for Item No. 1 and clarify information being presented to shareholders ahead of their vote. The corrigendum has b...

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: Aug 30, 2026

EFC (I) Ltd. AI Stock Analysis