IIFL Finance Ltd logo

IIFL Finance Ltd

IIFL NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹26,604 Cr
Volatility
Moderate
P/E Ratio
12.86
EBITDA
₹8,337 Cr
Return on Equity
11.63%
Debt to Equity
4.57
Book Value
₹327.24
EPS
₹38.34
52W High
₹675
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 5d ago
AI opinion · based on fundamentals
Risk high

IIFL Finance Ltd is a mid-cap NBFC trading at a PE of 11.5x with a market cap of ₹25,845 crore. The company posted FY26 PAT of ₹2,409 crore (up 241% YoY) after an FY25 net loss of ₹410 crore caused by the RBI gold loan embargo. Consolidated AUM stands at ₹1,08,180 crore with 38% YoY growth, though historical ROE remains moderate at 12-14% over 3-5 years.

Bull Case 8
  • FY26 PAT surged 241% YoY to ₹2,409 crore, with Q4FY26 PAT of ₹623 crore up 148% YoY, signalling a strong earnings recovery post-RBI embargo
  • Consolidated AUM reached ₹1,08,180 crore in Q4FY26, growing 38% YoY and 10% QoQ, driven by gold and home loan segments
  • RBI lifted gold loan restrictions in September 2024; gold loan AUM doubled within 6 months of resumption, restoring a key revenue driver
  • TTM revenue growth of 36% indicates accelerating top-line momentum compared to the 5-year compounded sales CAGR of 18%
  • Stock trades at a PE of 11.5x with TTM profit growth of 169%, suggesting valuations have not fully re-rated to the earnings rebound
  • Nearly 90% of the loan book is now secured, reducing credit risk relative to earlier unsecured exposure
  • 1-year stock CAGR of 35% reflects improving market sentiment around the turnaround narrative after a muted 3-year CAGR of just 2%
  • Network spans 4,829 branches across India, providing distribution scale for gold, MSME, and home loan products
Bear Case 8
  • FY25 reported a net loss of ₹410 crore versus a profit of ₹585 crore in FY24, demonstrating vulnerability to regulatory action
  • RBI imposed an outright ban on gold loan operations in March 2024 citing serious supervisory deviations, highlighting governance and compliance risks
  • 3-year ROE averages only 11.5-12%, below most well-run NBFC peers, and last-year ROE of 13% is still not best-in-class
  • Low interest coverage ratio indicates limited buffer to absorb funding cost spikes or asset quality deterioration
  • Dividend payout has been just 6.3% of profits over the last 3 years with a current yield of only 0.66%, offering minimal income to shareholders
  • 3-year compounded profit CAGR of only 3% masks the deep FY25 trough and suggests earnings trajectory has been inconsistent
  • Price-to-book of 1.86x is not cheap for a company with sub-15% ROE history; sustained higher ROE is required to justify current valuation
  • Concentration risk persists as gold loans remain a dominant AUM driver; any future regulatory tightening on gold lending could again disrupt earnings

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

AI News Digest

Anthropic anthropic claude-opus-4.6 4h ago
Positives 4
  • Q1 profit surges 160% YoY Jul 29

    IIFL Finance reported Q1FY27 net profit of ₹713.13 crore, up 160-161% YoY, with consolidated revenue rising 32.7% to ₹3,919.15 crore driven by strong gold loan growth.

  • AGM approves debt and equity raises Jul 29

    Shareholders at the 31st AGM on July 24, 2026 approved NCD issuance, material related-party transactions, and enhanced borrowing limits, giving management flexibility for growth funding.

  • AI-powered organic growth strategy Jul 28

    Co-Managing Director outlined a strategic vision centred on organic expansion and AI integration to enhance operational efficiency and accelerate profitability.

  • Crisil ESG 66 rating assigned Jul 15

    IIFL Finance received Crisil ESG score of 66 and Core ESG score of 69 for FY26 disclosures, signaling improving governance and sustainability credentials.

Neutral 3
  • ₹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 executed on NSE pre-open session, indicating significant institutional activity.

  • ₹50Cr block trade at ₹617.50 Aug 4

    Block trade of ~8.11 lakh shares at ₹617.50 per share worth ₹50.09 crore recorded on NSE, reflecting continued institutional interest at higher price levels.

  • USD 1.37M notes repurchased Jul 22

    IIFL Finance repurchased USD 1.37 million of its Senior Secured Fixed Rate Notes due 2028 at a premium, complying with RBI regulations and managing international debt.

TL;DR: IIFL Finance is delivering strong earnings momentum with Q1FY27 profit up 160% YoY to ₹713 crore, supported by gold loan growth and improved efficiency. No material headwinds emerged in recent weeks. Large block trades suggest institutional repositioning rather than distress. The trend is clearly improving with management focused on organic growth, AI-driven efficiency, and diversified funding sources.

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 ₹26604.08 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 12.86. 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 ₹675. 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 0.64%. 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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