IDLC Finance (DHA:IDLC) Margin of Safety % (DCF FCF Based): 94.00% (As of Jun. 26, 2026)


DHA:IDLC IDLC Finance PLC DHA:IDLC
85 GF Score
Price BDT40.80
GF Value BDT44.91
Valuation Fairly Valued
! 5 Warning Signs
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What is IDLC Finance Margin of Safety % (DCF FCF Based)?

IDLC Finance DHA:IDLC +0.25% 85 Margin of Safety % (DCF FCF Based) is 94.00% as of Jun. 26, 2026. GuruFocus rates DHA:IDLC with a GF Score™ of 85/100 and a GF Value™ of BDT44.91 (Fairly Valued). The stock has 5 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-26), IDLC Finance's Predictability Rank is 4-Stars. IDLC Finance's intrinsic value calculated from the Discounted FCF model is BDT64.17 and current share price is BDT40.80. Consequently,

IDLC Finance's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 94.00%.

DHA:IDLC vs V, MA, AXP: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, IDLC Finance's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

IDLC Finance Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, IDLC Finance's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where IDLC Finance's Margin of Safety % (DCF FCF Based) falls into.


DHA:IDLC
85GF Score
IDLC Finance PLC DHA:IDLC
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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IDLC Finance Margin of Safety % (DCF FCF Based) Calculation

IDLC Finance's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(680.28-40.80)/680.28
=94.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 94.00% mean?
IDLC Finance (DHA:IDLC) has a Margin of Safety % (DCF FCF Based) of 94.00% as of Jun. 26, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on IDLC Finance.
Is IDLC Finance's Margin of Safety % (DCF FCF Based) too high?
IDLC Finance's current Margin of Safety % (DCF FCF Based) is 94.00%. Overall, IDLC Finance has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's Margin of Safety % (DCF FCF Based) compare to V and MA?
IDLC Finance's Margin of Safety % (DCF FCF Based) of 94.00% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Credit Services company?
A good Margin of Safety % (DCF FCF Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on IDLC Finance. IDLC Finance's current Margin of Safety % (DCF FCF Based) is 94.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT44.91, compared to a current price of BDT40.80 — trading 9.2% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 94.00%. IDLC Finance's overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For IDLC Finance (DHA:IDLC), the current Margin of Safety % (DCF FCF Based) is 94.00% as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is IDLC Finance (DHA:IDLC) Overvalued in 2026?

Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued. The current stock price of BDT40.80 is trading 9.2% below its estimated GF Value™ of BDT44.91. GuruFocus considers IDLC Finance to be Fairly Valued.

Key valuation signals for DHA:IDLC:

  • Margin of Safety % (DCF FCF Based): 94.00%
  • GF Value™: BDT44.91 vs. price of BDT40.80 (9.2% below fair value)
  • GF Score™: 85/100 with 5 warning signs

No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

IDLC Finance Business Description

Address 57 Gulshan Avenue, Bay\'s Galleria, 1st Floor, Gulshan 1, Dhaka, BGD, 1212
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
85GF Score

Get the complete analysis for DHA:IDLC

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT40.80
Price
BDT44.91
GF Value