CIFL
Capital India Finance Ltd
Each stock's 10,000-path forecast, rendered as light.
Capital India Finance Ltd (CIFL) Stock Analysis & Case Study
Is CIFL a good buy? The data-driven verdict.
Capital India Finance Ltd (CIFL) trades at ₹22,on the numbers it tread carefully, a Downstox Snapshot Score of 41/100.
On the numbers, Capital India Finance Ltd (CIFL) tread carefully, a Downstox Snapshot Score of 41/100, weighing fairly valued at 17.2× earnings, ROE of -9.0%, a 48% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
CIFL fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How CIFL ranks against the 2,373 companies in our screener
- CIFL's market cap of 856 Cr ranks in the 36th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CIFL's book value of ₹17 ranks in the 17th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CIFL's promoter holding of 72.6% ranks in the 81st percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CIFL's 3-year profit (PAT) growth of -16.0% ranks in the 14th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CIFL's 3-year revenue growth of -7.0% ranks in the 13th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for CIFL, as of 9 Aug 2026, so it is not ranked here.
Is CIFL overvalued? CIFL P/E vs peers
CIFL trades at 17.2× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
CIFL share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 9.8y of CIFL history (22%/yr drift, 52%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| CIFL 2027 | ₹11 | ₹21 | ₹41 | -2% |
| CIFL 2028 | ₹8 | ₹21 | ₹54 | -4% |
| CIFL 2029 | ₹7 | ₹21 | ₹66 | -5% |
| CIFL 2030 | ₹5 | ₹20 | ₹77 | -7% |
| CIFL 2031 | ₹5 | ₹20 | ₹87 | -9% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability CIFL goes up, or doubles?
The bull case for CIFL
- CIFL's P/E of 17.2x is lower than 68% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Low price-to-book of 1.27×, the market is paying little over the company's net assets.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹66.
The bear case & risks
- CIFL's Piotroski F-Score of 3/8 ranks in the 15th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- High historical volatility (52%/yr) means a wide, bumpy range of outcomes, size positions accordingly.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹7.
CIFL volatility & expected range, how bumpy is the ride?
Over the last 9.8 years CIFL compounded at 22%/year with annualized volatility of 52%. That volatility implies a 1-year 80% range of ₹11-₹41, the honest backbone behind any single price target.
CIFL price forecast, the full 60-month probability fan
CIFL price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds CIFL hits common targets within the simulated horizon?
Full multi-horizon detail on the CIFL price target & forecast page.
CIFL Piotroski F-Score: 3/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. CIFL scores 3/8, weak on the financial-strength checks.
CIFL MTF margin & leverage across 3 brokers
Margin Trading Facility lets you buy CIFL with part of the capital. Lower margin % = higher leverage. Rates compared across 3 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Dhan | 50.00% | 2.0× |
| Kotak Neo | 100.00% | 1.0× |
| Share IndiaCHEAPEST | 35.85% | 2.8× |
Compare every broker on the CIFL MTF page.
About Capital India Finance Ltd: sector, index & market-cap context
Capital India Finance Ltd (CIFL) is a small-cap NSE-listed company, with a market capitalisation of ₹856 Cr. See more stocks on our screener.
How the CIFL Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Capital India Finance Ltd's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
CIFL analysis, FAQs
Is Capital India Finance Ltd (CIFL) a good buy?
On the numbers, Capital India Finance Ltd (CIFL) tread carefully, a Downstox Snapshot Score of 41/100, weighing fairly valued at 17.2× earnings, ROE of -9.0%, a 48% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is CIFL overvalued or undervalued?
CIFL trades at 17.2× earnings, fairly valued versus the ~22× long-run Nifty average.
What is the CIFL share price target for 2031?
CIFL's probability-weighted 2031 median target is ₹20, with an 80% range of ₹5-₹87 (10,000-path Monte-Carlo).
What is the probability CIFL doubles in 5 years?
The modelled probability of CIFL reaching ₹44 (2×) within 5 years is 25%.
What is the bull case for CIFL?
CIFL's P/E of 17.2x is lower than 68% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. Low price-to-book of 1.27×, the market is paying little over the company's net assets.
What are the risks in CIFL?
CIFL's Piotroski F-Score of 3/8 ranks in the 15th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026. High historical volatility (52%/yr) means a wide, bumpy range of outcomes, size positions accordingly.