IIFL Finance Ltd
IIFL Finance Ltd
Financial Services F&OKey Fundamentals
SmallcapNBFCFinancial ServicesInsights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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49 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
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
AI Analysis — Bull vs Bear
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.
- 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
- 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
- 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.
- ₹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 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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% |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 17% | 18% | 17% | 16% | 11% | 15% | 20% | 19% | 18% | 5% | 13% |
Documents
Frequently Asked Questions about IIFL Finance Ltd
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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]