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EFC (I) Ltd. (IN:EFCIL)
:EFCIL
India Market
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EFC (I) Ltd. (EFCIL) AI Stock Analysis

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IN:EFCIL

EFC (I) Ltd.

(EFCIL)

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Neutral 63 (OpenAI - Gpt-5.6Sol)
Rating:63Neutral
Price Target:
₹215.00
▲(6.83% Upside)
Action:Reiterated
Date:08/30/26
The score is primarily constrained by weak cash-flow conversion and high leverage despite strong reported revenue and profit growth. Technicals are moderately constructive (above key short/mid-term averages with positive MACD), and valuation is supportive with a low P/E, but longer-term trend weakness (below 200 DMA) and cash-quality risk keep the overall score in the mid-range.
Positive Factors
Strong Revenue and Earnings Growth
The sharp increase in revenue and net income indicates substantial business scaling and stronger earnings capacity. If supported by recurring operations, this growth can improve operating leverage and strengthen the company’s competitive position over the next several months.
Negative Factors
Elevated and Rising Leverage
Higher leverage increases fixed financial obligations and reduces flexibility if operating conditions weaken. The rise in debt-to-equity also makes future growth more dependent on reliable cash generation, while potentially increasing refinancing and balance-sheet risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Earnings Growth
The sharp increase in revenue and net income indicates substantial business scaling and stronger earnings capacity. If supported by recurring operations, this growth can improve operating leverage and strengthen the company’s competitive position over the next several months.
Read all positive factors

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

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,...

EFC (I) Ltd. Financial Statement Overview

Summary
Strong FY2026 growth and profitability (revenue up ~123% YoY; net margin ~22%; net income more than doubled) are offset by meaningful financial risk factors: elevated leverage (debt-to-equity ~1.74) and very weak cash-flow conversion (operating cash flow fell to ~₹0.35B from ~₹1.34B). Volatile gross margin behavior also raises earnings-quality concerns.
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
36
Negative
BreakdownTTMMar 2025Mar 2024
Income Statement
Total Revenue4.66B10.37B6.57B
Gross Profit3.01B4.42B34.19M
EBITDA2.25B4.68B3.42B
Net Income754.42M2.32B1.13B
Balance Sheet
Total Assets21.71B26.75B16.99B
Cash, Cash Equivalents and Short-Term Investments1.50B882.93M1.41B
Total Debt11.02B14.06B8.78B
Total Liabilities14.87B18.61B11.18B
Stockholders Equity6.22B8.07B5.43B
Cash Flow
Free Cash Flow634.34M345.35M-117.62M
Operating Cash Flow444.11M345.35M1.34B
Investing Cash Flow3.43B968.69M-1.05B
Financing Cash Flow-3.91B-1.38B-243.72M

EFC (I) Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Outperform
₹19.33B22.530.00%0.44%48.96%
68
Neutral
₹27.33B11.165.94%17.72%-36.14%
63
Neutral
₹28.54B9.6742.05%42.35%
57
Neutral
₹18.65B68.073.82%-86.94%
56
Neutral
₹40.25B109.030.62%16.93%
55
Neutral
$6.65B3.83-15.92%6.20%10.91%7.18%
54
Neutral
₹15.28B17.060.39%37.86%57.21%
* General Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:EFCIL
EFC (I) Ltd.
192.90
-121.16
-38.58%
IN:ALLCARGO
Allcargo Logistics Limited
12.45
0.98
8.54%
IN:GATEWAY
Gateway Distriparks Limited
54.69
-6.49
-10.61%
IN:MAHLOG
Mahindra Logistics Ltd.
405.45
86.31
27.05%
IN:SPMLINFRA
SPML Infra Limited
181.55
-103.70
-36.35%
IN:SYNCOMF
Syncom Formulation (India) Ltd.
20.56
3.36
19.53%

EFC (I) Ltd. Corporate Events

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 ha...
EFC (I) Ltd. Confirms Electronic Dispatch of Postal Ballot Notice and E‑Voting Details
Jul 31, 2026
EFC (I) Ltd. is an Indian listed company headquartered in Pune, Maharashtra, with its registered office at VB Capitol Building in Shivajinagar. The company’s equity shares are traded on BSE under scrip code 512008 and on the National Stock E...
EFC (I) Limited Publishes Q4 FY26 Earnings Call Transcript
Jun 3, 2026
EFC (I) Limited has released the official transcript of its Q4 FY 2026 earnings conference call, which featured the company’s top management, including the chairman and managing director, whole-time director, chief financial officer, and com...
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