IIFL Finance Ltd logo

IIFL Finance Ltd

IIFL NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹28,544 Cr
Volatility
High Risk
P/E Ratio
13.47
EBITDA
₹8,337 Cr
Return on Equity
11.63%
Debt to Equity
4.57
Book Value
₹327.24
EPS
₹38.34
52W High
₹705
52W Low
₹409.1

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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49 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

3
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.5% over last 3 years.
  • Dividend payout has been low at 6.30% of profits over last 3 years

Growth Rate

Revenue Growth
30.64% ↗
Net Income Growth
214.20% ↗
Cash Flow Change
-192.33% ↘
ROE
180.92% ↗
ROCE
29.99% ↗
EBITDA Margin (Avg.)
12.90% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk medium

IIFL Finance Ltd trades at a market cap of ₹28,656 Cr with a PE of 12x and PB of 1.95x. The company reported TTM sales growth of 36% and profit growth of 169%, though its 3-year ROE remains modest at around 12% and dividend payout is low at 6.3% of profits.

Bull Case 7
  • TTM revenue growth of 36% significantly outpaces the 5-year compounded sales CAGR of 18%, indicating accelerating topline momentum
  • TTM profit growth of 169% suggests a sharp earnings recovery or operating leverage kicking in
  • PE of 12x is relatively undemanding for an NBFC delivering 36% revenue growth
  • 5-year compounded profit growth of 17% demonstrates consistent long-term earnings expansion
  • Stock CAGR of 51% over the past 1 year reflects strong market re-rating and investor confidence in the turnaround
  • 10-year compounded sales CAGR of 13% shows a sustained long-term growth trajectory across cycles
  • Company is expected to deliver a good upcoming quarter based on operational trends
Bear Case 7
  • 3-year ROE of only 12% (screener flags 11.5%) is below the 15%+ typically expected from quality NBFCs
  • Low interest coverage ratio raises concerns about debt servicing ability in a rising rate environment
  • Dividend payout of just 6.3% of profits over 3 years offers minimal income return to shareholders
  • Dividend yield of only 0.63% provides negligible cash return relative to market cap of ₹28,656 Cr
  • 3-year compounded profit CAGR of just 3% contrasts sharply with TTM growth of 169%, suggesting the recent surge may be off a depressed base
  • 3-year stock CAGR of only 6% versus 1-year return of 51% indicates prolonged underperformance before the recent rally
  • PB of 1.95x may not offer adequate margin of safety if ROE remains in the 12-13% range

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 3
  • Q1 net profit surges 160% YoY Jul 29

    IIFL Finance reported Q1FY27 net profit of ₹713.13 crore, up 160% YoY, driven by strong gold loan growth and improved operational efficiency.

  • AGM approves debt and equity raises Jul 29

    Shareholders approved key resolutions at the 31st AGM on July 24, 2026, including NCD issuance, related-party transactions, and enhanced borrowing limits to support growth.

  • Organic growth and AI strategy Jul 28

    Co-MD outlined a strategic vision focused on organic expansion and AI-powered profitability to enhance operational efficiency and sustainable performance.

Neutral 2
  • ₹748Cr block trade at ₹590/share Jul 30

    A large block trade of ~1.27 crore shares at ₹590 per share worth ₹748.04 crore was recorded on NSE, reflecting significant institutional participation.

  • ₹50Cr block trade at ₹617.50 Aug 4

    A block trade of ~8.11 lakh shares at ₹617.50 per share worth ₹50.09 crore was executed on NSE, indicating continued institutional interest.

TL;DR: IIFL Finance is delivering strong earnings momentum with Q1FY27 profit up 160% YoY, supported by gold loan growth and improving asset quality. Large institutional block trades suggest active repositioning but no clear directional signal. No material headwinds are visible in recent news flow, and management is investing in AI and organic growth levers, pointing to an improving operational trajectory.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
2,301
2,478
2,649
2,854
2,621
2,556
2,443
2,591
2,953
3,305
3,427
3,692
3,919
Expenses
822
877
948
1,255
1,109
1,105
1,307
1,065
1,267
1,323
1,280
1,194
1,211
Financing Profit
591
670
715
536
470
488
140
357
397
600
710
889
989
Fin. Margin %
26%
27%
27%
19%
18%
19%
6%
14%
13%
18%
21%
24%
25%
Other Income
69
57
46
68
12
-582
6
3
6
4
5
7
3
Interest
888
932
985
1,063
1,042
963
996
1,169
1,289
1,382
1,437
1,610
1,719
Depreciation
42
43
45
50
46
46
46
51
47
47
53
64
63
PBT
618
684
716
554
436
-140
101
309
356
557
663
833
929
Tax %
24%
23%
24%
22%
22%
-33%
19%
19%
23%
25%
24%
25%
23%
Net Profit
473
526
545
431
338
-93
82
251
274
418
501
623
713
EPS in Rs
10.06
11.2
11.58
8.81
6.79
-3.72
0.96
4.89
5.49
8.86
10.92
13.8
15.87
Gross NPA %
1.84%
1.84%
1.71%
2.32%
2.25%
2.35%
2.42%
2.23%
2.34%
2.14%
1.6%
1.46%
1.55%
Net NPA %
1.06%
1.02%
0.87%
1.2%
1.11%
1.06%
1.01%
1.05%
1.13%
1.02%
0.75%
0.73%
0.82%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
3,551
3,952
3,163
6,405
4,978
4,847
5,968
6,991
8,444
10,472
10,233
13,366
14,344
Expenses
1,319
1,362
689
2,221
1,435
1,682
2,239
2,355
2,936
3,842
4,559
5,018
5,008
Financing Profit
787
900
689
1,454
950
752
1,090
1,625
2,263
2,734
1,478
2,612
3,188
Fin. Margin %
22%
23%
22%
23%
19%
16%
18%
23%
27%
26%
14%
20%
22%
Other Income
-4
8
375
61
212
79
20
32
2
18
-583
7
19
Interest
1,445
1,690
1,786
2,730
2,593
2,413
2,638
3,011
3,245
3,896
4,196
5,736
6,148
Depreciation
59
66
16
67
32
106
106
122
153
181
189
211
226
PBT
724
843
1,048
1,448
1,130
725
1,005
1,536
2,113
2,572
707
2,409
2,981
Tax %
34%
34%
22%
30%
30%
31%
24%
23%
24%
23%
18%
25%
—
Net Profit
476
555
822
1,021
796
503
761
1,188
1,608
1,974
578
1,817
2,256
EPS in Rs
12.98
14.53
19.42
22.42
22.4
11.94
18.06
28.16
35.49
41.6
8.92
39.05
49.45
Div. Payout %
21%
26%
21%
20%
20%
17%
15%
11%
10%
9%
0%
10%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
62
63
64
64
64
76
76
76
76
76
85
85
Reserves
2,496
3,289
4,318
4,679
4,290
4,684
5,312
6,388
8,916
10,561
12,327
13,835
Borrowing
14,639
15,948
24,330
34,326
26,517
27,996
32,583
36,086
40,017
47,136
51,068
69,176
Other Liabilities
2,221
3,566
5,049
5,426
2,368
1,617
2,696
3,360
3,993
4,630
4,164
5,891
Total Liabilities
19,418
22,866
33,761
44,495
33,239
34,373
40,667
45,910
53,002
62,403
67,644
88,987
Fixed Assets
500
533
656
871
369
607
675
775
862
905
1,487
1,514
CWIP
10
6
71
110
7
2
7
6
28
52
23
6
Investments
1,283
1,867
4,153
2,150
212
770
32
1,192
3,511
4,059
4,438
6,092
Other Assets
17,624
20,461
28,881
41,365
32,651
32,994
39,954
43,937
48,602
57,387
61,696
81,375
Total Assets
19,418
22,866
33,761
44,495
33,239
34,373
40,667
45,910
53,002
62,403
67,644
88,987
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-2,126
-54
-4,329
-10,483
422
1,101
-3,587
1,784
-5,225
-8,716
-4,781
-13,976
Investing
-361
-671
-2,602
-374
562
-919
236
-996
-2,716
468
-1,149
-2,606
Financing
2,904
525
9,094
8,468
20
109
4,428
2,781
5,361
7,088
5,526
17,843
Net Cash Flow
417
-200
2,162
-2,389
1,004
290
1,077
3,569
-2,580
-1,160
-403
1,262
Free Cash Flow
-2,211
-131
-4,343
-10,654
355
1,052
-3,621
1,684
-5,484
-8,804
-4,839
-14,056
CFO/OP
-83
8
-165
-237
20
42
-88
45
-90
-121
-77
-162
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
17%
18%
17%
16%
11%
15%
20%
19%
18%
5%
13%

Shareholding Pattern

As of Jun 2026
Others 27.12%
Promoters 24.85%
FIIs 23.86%
Public 16.67%
DIIs 7.50%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024May 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
24.96%
24.95%
24.93%
24.93%
24.91%
24.90%
24.90%
24.88%
24.85%
24.84%
24.81%
24.79%
24.78%
24.92%
24.91%
24.91%
24.90%
24.89%
24.87%
24.87%
24.85%
24.85%
24.85%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
29.13%
28.51%
30.31%
29.64%
27.79%
28.03%
26.62%
26.76%
27.76%
28.16%
23.86%
DIIs
0.02%
0.02%
0.02%
0.06%
0.29%
1.29%
2.01%
3.90%
4.05%
5.54%
5.59%
6.49%
8.61%
9.14%
7.43%
6.24%
4.49%
5.53%
8.09%
9.13%
9.17%
7.09%
7.50%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
7.66%
7.44%
9.56%
11.61%
12.06%
12.44%
11.50%
10.17%
10.08%
10.10%
9.93%
11.20%
12.84%
12.69%
12.50%
13.70%
16.36%
15.45%
14.66%
13.89%
13.02%
14.43%
16.67%
Others
67.36%
67.59%
65.50%
63.41%
62.75%
61.37%
61.60%
61.04%
61.02%
59.51%
59.67%
57.52%
24.63%
24.73%
24.85%
25.50%
26.46%
26.09%
25.76%
25.35%
25.20%
25.48%
27.12%
No. of Shareholders
0
0
37,394
39,982
46,695
59,661
63,449
77,386
73,446
65,440
67,660
83,676
1,49,309
1,54,967
1,45,073
1,58,133
1,73,530
1,69,374
1,49,247
1,42,808
1,34,274
1,24,543
1,27,688

Documents

1
Concall - May 2020 May 2020
2
Concall - Jul 2023 Jul 2023
3
Concall - May 2020 May 2020
4
Concall - Jul 2020 Jul 2020
5
Concall - Nov 2020 Nov 2020

Frequently Asked Questions about IIFL Finance Ltd

What does IIFL Finance Ltd do?
IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.[1]
Where is IIFL Finance Ltd (IIFL) listed?
IIFL Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: IIFL and BSE: 532636. You can view its live share price, financials, and ratios on Tapetide.
Which sector does IIFL Finance Ltd belong to?
IIFL Finance Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of IIFL Finance Ltd?
IIFL Finance Ltd has a market capitalisation of approximately ₹28543.56 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of IIFL Finance Ltd?
The Price-to-Earnings (PE) ratio of IIFL Finance Ltd is 13.47. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of IIFL Finance Ltd?
Over the past 52 weeks, IIFL Finance Ltd has traded between a low of ₹409.1 and a high of ₹705. This range helps investors understand the stock's price volatility and recent trading levels.
Does IIFL Finance Ltd pay dividends?
Yes, IIFL Finance Ltd has a dividend yield of 0.57%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of IIFL Finance Ltd?
IIFL Finance Ltd has a Return on Equity (ROE) of 11.63%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research IIFL Finance Ltd on Tapetide?
On Tapetide, you can view IIFL Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.[1]

Website iifl.com
CEO Mr. Rajamani Venkatraman B.Tech, MBA
Employees 14,782
Listed 2005-05-17
Face Value ₹ 2
Issued Size 42,52,27,927

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