Share Price and Basic Stock Data
Last Updated: November 28, 2025, 8:22 am
| PEG Ratio | -4.39 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
IIFL Finance Ltd operates in the Finance & Investments sector, currently priced at ₹558 with a market capitalization of ₹23,714 Cr. The company’s revenue trajectory has shown a consistent upward trend, recording ₹2,301 Cr in June 2023 and rising to ₹2,478 Cr by September 2023. This growth reflects a robust increase from ₹1,931 Cr in June 2022. In the fiscal year ending March 2025, total revenue stood at ₹10,234 Cr, up from ₹8,444 Cr in the previous year. The company has also reported quarterly revenues that peaked at ₹2,854 Cr in March 2024, indicating strong operational performance. The finance margin percentage remained healthy, averaging around 26% during FY 2024, contributing to the overall revenue growth. IIFL’s ability to maintain momentum amid a competitive landscape demonstrates its resilience and operational efficiency.
Profitability and Efficiency Metrics
IIFL Finance’s profitability metrics reveal a mixed performance. The net profit for the fiscal year ending March 2025 was ₹578 Cr, a decline from ₹1,974 Cr recorded in the previous year, indicating potential challenges in maintaining profitability. The earnings per share (EPS) for March 2025 stood at ₹8.92, a significant drop from ₹41.60 in March 2024. This decline correlates with fluctuating profit before tax, which fell to ₹707 Cr in FY 2025 from ₹2,572 Cr in FY 2024. The return on equity (ROE) has also shown a downward trend, standing at 5% for FY 2025 compared to 18% in FY 2024. Gross non-performing assets (NPA) remained relatively stable at 2.34% in June 2025, reflecting effective asset management but indicating challenges in profitability. Overall, while IIFL has demonstrated strong revenue growth, its declining net profit and ROE raise concerns regarding its profitability sustainability.
Balance Sheet Strength and Financial Ratios
The balance sheet of IIFL Finance Ltd showcases a significant increase in reserves, which rose to ₹12,885 Cr by September 2025, up from ₹10,561 Cr in March 2024. This growth in reserves indicates a strengthening equity base, despite total borrowings reaching ₹51,533 Cr in March 2025, climbing from ₹47,136 Cr in FY 2024. The total liabilities as of March 2025 stood at ₹67,644 Cr, reflecting the company’s leverage in financing operations. Financial ratios such as the interest coverage ratio (ICR) reported at 1.36x indicate a manageable level of debt relative to earnings. However, the price-to-book value (P/BV) ratio at 1.12x suggests that the stock is valued fairly in the market. The company’s ability to maintain a current ratio of 1.22x highlights sufficient liquidity, crucial for operational stability. Overall, while IIFL’s financial ratios suggest a reasonable leverage position, the increasing borrowings could pose longer-term risks if not managed effectively.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IIFL Finance Ltd reflects a diverse ownership structure, with promoters holding 24.86% of the shares. Foreign institutional investors (FIIs) accounted for 26.77%, indicating a strong interest from international investors. Domestic institutional investors (DIIs) held 9.13%, while the public ownership stood at 39.23%. The number of shareholders has fluctuated, reaching 1,42,808 by September 2025, suggesting growing retail interest. However, the gradual decline in FII holdings from a peak of 31.27% in December 2023 to 26.77% in September 2025 may indicate waning confidence among institutional investors. Additionally, the public shareholding has seen a drop from 43.43% in December 2022 to 39.23% in September 2025, which could reflect concerns about the company’s profitability trajectory. Maintaining investor confidence will be crucial for IIFL as it navigates through the current financial landscape.
Outlook, Risks, and Final Insight
The outlook for IIFL Finance Ltd is shaped by both opportunities and challenges. On one hand, the significant growth in revenue and reserves presents a solid foundation for future expansion. However, the alarming decline in net profit and EPS raises concerns about the company’s ability to sustain profitability, especially in a competitive finance sector. Risks include increasing borrowings, which could elevate financial strain if not managed prudently, and potential fluctuations in asset quality as evidenced by the stable but concerning NPA ratios. The company must also address investor sentiment, particularly in light of the decreasing FII and public shareholdings. Should IIFL successfully implement strategies to enhance profitability and manage its debt effectively, it could emerge as a strong player in the finance sector. Conversely, failure to address these issues could lead to further erosion of investor confidence and market position.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of IIFL Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 464 Cr. | 1,208 | 2,400/1,151 | 60.1 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| Modern Shares & Stockbrokers Ltd | 12.4 Cr. | 42.5 | 67.7/36.4 | 49.8 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| My Money Securities Ltd | 72.3 Cr. | 43.0 | 61.2/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 48.5 Cr. | 90.0 | 170/68.6 | 202 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 59.9 Cr. | 46.0 | 76.2/37.0 | 53.0 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| Industry Average | 20,976.04 Cr | 1,494.07 | 48.55 | 3,524.81 | 0.36% | 11.14% | 24.85% | 6.94 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,931 | 2,026 | 2,121 | 2,187 | 2,301 | 2,478 | 2,649 | 2,854 | 2,621 | 2,556 | 2,443 | 2,591 | 2,953 |
| Interest | 776 | 776 | 809 | 861 | 888 | 932 | 985 | 1,063 | 1,042 | 963 | 996 | 1,169 | 1,289 |
| Expenses | 731 | 709 | 740 | 779 | 822 | 877 | 948 | 1,255 | 1,109 | 1,105 | 1,307 | 1,065 | 1,267 |
| Financing Profit | 424 | 541 | 571 | 547 | 591 | 670 | 715 | 536 | 470 | 488 | 140 | 357 | 397 |
| Financing Margin % | 22% | 27% | 27% | 25% | 26% | 27% | 27% | 19% | 18% | 19% | 6% | 14% | 13% |
| Other Income | 44 | 25 | 24 | 89 | 69 | 57 | 46 | 68 | 12 | -582 | 6 | 3 | 6 |
| Depreciation | 34 | 37 | 39 | 42 | 42 | 43 | 45 | 50 | 46 | 46 | 46 | 51 | 47 |
| Profit before tax | 434 | 529 | 555 | 594 | 618 | 684 | 716 | 554 | 436 | -140 | 101 | 309 | 356 |
| Tax % | 24% | 25% | 24% | 23% | 24% | 23% | 24% | 22% | 22% | -33% | 19% | 19% | 23% |
| Net Profit | 330 | 397 | 423 | 458 | 473 | 526 | 545 | 431 | 338 | -93 | 82 | 251 | 274 |
| EPS in Rs | 7.81 | 8.99 | 8.96 | 9.76 | 10.06 | 11.20 | 11.58 | 8.81 | 6.79 | -3.72 | 0.96 | 4.89 | 5.49 |
| Gross NPA % | 2.60% | 2.42% | 2.08% | 1.84% | 1.84% | 1.84% | 1.71% | 2.32% | 2.25% | 2.35% | 2.42% | 2.23% | 2.34% |
| Net NPA % | 1.15% | 1.22% | 1.06% | 1.08% | 1.06% | 1.02% | 0.87% | 1.20% | 1.11% | 1.06% | 1.01% | 1.05% | 1.13% |
Last Updated: August 1, 2025, 7:40 pm
Below is a detailed analysis of the quarterly data for IIFL Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,289.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,169.00 Cr. (Mar 2025) to 1,289.00 Cr., marking an increase of 120.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,267.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,065.00 Cr. (Mar 2025) to 1,267.00 Cr., marking an increase of 202.00 Cr..
- For Other Income, as of Jun 2025, the value is 6.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2025) to 6.00 Cr., marking an increase of 3.00 Cr..
- For Depreciation, as of Jun 2025, the value is 47.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 51.00 Cr. (Mar 2025) to 47.00 Cr., marking a decrease of 4.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 356.00 Cr.. The value appears strong and on an upward trend. It has increased from 309.00 Cr. (Mar 2025) to 356.00 Cr., marking an increase of 47.00 Cr..
- For Tax %, as of Jun 2025, the value is 23.00%. The value appears to be increasing, which may not be favorable. It has increased from 19.00% (Mar 2025) to 23.00%, marking an increase of 4.00%.
- For Net Profit, as of Jun 2025, the value is 274.00 Cr.. The value appears strong and on an upward trend. It has increased from 251.00 Cr. (Mar 2025) to 274.00 Cr., marking an increase of 23.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 5.49. The value appears strong and on an upward trend. It has increased from 4.89 (Mar 2025) to 5.49, marking an increase of 0.60.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:11 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,822 | 3,551 | 3,952 | 3,163 | 6,405 | 4,978 | 4,847 | 5,968 | 6,991 | 8,444 | 10,472 | 10,234 | 11,292 |
| Interest | 1,169 | 1,445 | 1,690 | 1,786 | 2,730 | 2,593 | 2,413 | 2,638 | 3,011 | 3,245 | 3,896 | 4,196 | 4,836 |
| Expenses | 1,178 | 1,319 | 1,362 | 689 | 2,221 | 1,435 | 1,682 | 2,239 | 2,355 | 2,936 | 3,842 | 4,559 | 4,962 |
| Financing Profit | 475 | 787 | 900 | 689 | 1,454 | 950 | 752 | 1,090 | 1,625 | 2,263 | 2,734 | 1,479 | 1,494 |
| Financing Margin % | 17% | 22% | 23% | 22% | 23% | 19% | 16% | 18% | 23% | 27% | 26% | 14% | 13% |
| Other Income | 13 | -4 | 8 | 375 | 61 | 212 | 79 | 20 | 32 | 2 | 18 | -584 | 20 |
| Depreciation | 68 | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 181 | 189 | 191 |
| Profit before tax | 420 | 724 | 843 | 1,048 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 1,324 |
| Tax % | 31% | 34% | 34% | 22% | 30% | 30% | 31% | 24% | 23% | 24% | 23% | 18% | |
| Net Profit | 291 | 476 | 555 | 822 | 1,021 | 796 | 503 | 761 | 1,188 | 1,608 | 1,974 | 578 | 1,025 |
| EPS in Rs | 8.45 | 12.98 | 14.53 | 19.42 | 22.42 | 22.40 | 11.94 | 18.06 | 28.16 | 35.49 | 41.60 | 8.92 | 20.20 |
| Dividend Payout % | 32% | 21% | 26% | 21% | 20% | 20% | 17% | 15% | 11% | 10% | 9% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 63.57% | 16.60% | 48.11% | 24.21% | -22.04% | -36.81% | 51.29% | 56.11% | 35.35% | 22.76% | -70.72% |
| Change in YoY Net Profit Growth (%) | 0.00% | -46.98% | 31.51% | -23.90% | -46.25% | -14.77% | 88.10% | 4.82% | -20.76% | -12.59% | -93.48% |
IIFL Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 16% |
| 3 Years: | 14% |
| TTM: | -1% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 2% |
| 3 Years: | -22% |
| TTM: | -52% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 39% |
| 3 Years: | 10% |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 14% |
| 3 Years: | 13% |
| Last Year: | 5% |
Last Updated: September 5, 2025, 6:55 am
Balance Sheet
Last Updated: November 9, 2025, 2:13 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 59 | 62 | 63 | 64 | 64 | 64 | 76 | 76 | 76 | 76 | 76 | 85 | 85 |
| Reserves | 2,093 | 2,496 | 3,289 | 4,318 | 4,679 | 4,290 | 4,684 | 5,312 | 6,388 | 8,916 | 10,561 | 12,327 | 12,885 |
| Borrowing | 10,516 | 14,639 | 15,948 | 24,330 | 34,326 | 26,517 | 27,996 | 32,583 | 36,086 | 40,017 | 47,136 | 51,533 | 58,691 |
| Other Liabilities | 1,846 | 2,221 | 3,566 | 5,049 | 5,426 | 2,368 | 1,617 | 2,696 | 3,360 | 3,993 | 4,630 | 3,699 | 4,351 |
| Total Liabilities | 14,514 | 19,418 | 22,866 | 33,761 | 44,495 | 33,239 | 34,373 | 40,667 | 45,910 | 53,002 | 62,403 | 67,644 | 76,012 |
| Fixed Assets | 472 | 500 | 533 | 656 | 871 | 369 | 607 | 675 | 775 | 862 | 905 | 1,487 | 1,505 |
| CWIP | 24 | 10 | 6 | 71 | 110 | 7 | 2 | 7 | 6 | 28 | 52 | 23 | 5 |
| Investments | 1,012 | 1,283 | 1,867 | 4,153 | 2,150 | 212 | 770 | 32 | 1,192 | 3,511 | 4,059 | 4,438 | 5,711 |
| Other Assets | 13,006 | 17,624 | 20,461 | 28,881 | 41,365 | 32,651 | 32,994 | 39,954 | 43,937 | 48,602 | 57,387 | 61,696 | 68,792 |
| Total Assets | 14,514 | 19,418 | 22,866 | 33,761 | 44,495 | 33,239 | 34,373 | 40,667 | 45,910 | 53,002 | 62,403 | 67,644 | 76,012 |
Below is a detailed analysis of the balance sheet data for IIFL Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 85.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 85.00 Cr..
- For Reserves, as of Sep 2025, the value is 12,885.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,327.00 Cr. (Mar 2025) to 12,885.00 Cr., marking an increase of 558.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 4,351.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,699.00 Cr. (Mar 2025) to 4,351.00 Cr., marking an increase of 652.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 76,012.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 67,644.00 Cr. (Mar 2025) to 76,012.00 Cr., marking an increase of 8,368.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,505.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,487.00 Cr. (Mar 2025) to 1,505.00 Cr., marking an increase of 18.00 Cr..
- For CWIP, as of Sep 2025, the value is 5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 23.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 18.00 Cr..
- For Investments, as of Sep 2025, the value is 5,711.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,438.00 Cr. (Mar 2025) to 5,711.00 Cr., marking an increase of 1,273.00 Cr..
- For Other Assets, as of Sep 2025, the value is 68,792.00 Cr.. The value appears strong and on an upward trend. It has increased from 61,696.00 Cr. (Mar 2025) to 68,792.00 Cr., marking an increase of 7,096.00 Cr..
- For Total Assets, as of Sep 2025, the value is 76,012.00 Cr.. The value appears strong and on an upward trend. It has increased from 67,644.00 Cr. (Mar 2025) to 76,012.00 Cr., marking an increase of 8,368.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -9.00 | -13.00 | -14.00 | 665.00 | -32.00 | -25.00 | -26.00 | -30.00 | -34.00 | -38.00 | -44.00 | -47.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 19% | 17% | 18% | 17% | 16% | 11% | 15% | 20% | 19% | 18% | 5% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Mirae Asset Banking and Financial Services Fund | 564,297 | 2.42 | 34.97 | 564,297 | 2025-04-22 17:25:31 | 0% |
| L&T Flexicap Fund - Regular Plan | 825,000 | 1.2 | 34.64 | 825,000 | 2025-04-22 17:25:31 | 0% |
| Nippon India Nifty Smallcap 250 Index Fund | 118,618 | 0.87 | 7.22 | 118,618 | 2025-04-22 17:25:31 | 0% |
| Navi Large & Midcap Fund - Regular Plan | 83,000 | 1.88 | 5.05 | 83,000 | 2025-04-22 17:25:31 | 0% |
| Motilal Oswal Nifty Smallcap 250 Index Fund | 72,481 | 0.86 | 4.41 | 72,481 | 2025-04-22 17:25:31 | 0% |
| Navi Flexi Cap Fund | 72,000 | 1.84 | 4.38 | 72,000 | 2025-04-22 17:25:31 | 0% |
| SBI Nifty Smallcap 250 Index Fund | 56,628 | 0.86 | 3.45 | 56,628 | 2025-04-22 17:25:31 | 0% |
| Motilal Oswal Nifty 500 Index Fund | 7,909 | 0.08 | 0.48 | 7,909 | 2025-04-22 17:25:31 | 0% |
| Edelweiss Nifty Smallcap 250 Index Fund | 2,973 | 0.86 | 0.18 | 2,973 | 2025-04-22 17:25:31 | 0% |
| Groww Nifty Total Market Index Fund | 527 | 0.08 | 0.03 | 527 | 2025-04-22 17:25:31 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 9.07 | 46.29 | 39.49 | 31.33 | 20.09 |
| Diluted EPS (Rs.) | 8.73 | 45.71 | 39.18 | 31.14 | 20.04 |
| Cash EPS (Rs.) | 18.06 | 56.48 | 46.26 | 34.51 | 22.86 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 292.39 | 315.97 | 268.16 | 170.44 | 142.37 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 292.39 | 315.97 | 268.16 | 170.44 | 142.37 |
| Revenue From Operations / Share (Rs.) | 240.54 | 268.63 | 217.08 | 180.09 | 154.15 |
| PBDIT / Share (Rs.) | 133.14 | 173.91 | 144.22 | 122.46 | 98.62 |
| PBIT / Share (Rs.) | 128.69 | 169.17 | 140.21 | 119.26 | 95.83 |
| PBT / Share (Rs.) | 16.66 | 67.41 | 55.53 | 40.46 | 26.52 |
| Net Profit / Share (Rs.) | 13.62 | 51.74 | 42.25 | 31.30 | 20.08 |
| NP After MI And SOA / Share (Rs.) | 8.92 | 46.22 | 39.43 | 31.29 | 20.06 |
| PBDIT Margin (%) | 55.34 | 64.74 | 66.43 | 67.99 | 63.97 |
| PBIT Margin (%) | 53.50 | 62.97 | 64.58 | 66.21 | 62.17 |
| PBT Margin (%) | 6.92 | 25.09 | 25.57 | 22.46 | 17.20 |
| Net Profit Margin (%) | 5.66 | 19.26 | 19.46 | 17.38 | 13.02 |
| NP After MI And SOA Margin (%) | 3.70 | 17.20 | 18.16 | 17.37 | 13.01 |
| Return on Networth / Equity (%) | 3.05 | 16.58 | 16.68 | 18.37 | 14.10 |
| Return on Capital Employeed (%) | 38.16 | 52.09 | 24.42 | 26.48 | 22.18 |
| Return On Assets (%) | 0.55 | 2.82 | 2.83 | 2.58 | 1.86 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 1.24 | 1.61 | 1.97 |
| Total Debt / Equity (X) | 4.11 | 4.39 | 4.40 | 5.53 | 5.99 |
| Asset Turnover Ratio (%) | 0.15 | 0.17 | 0.11 | 0.12 | 0.12 |
| Current Ratio (X) | 1.22 | 1.22 | 1.65 | 1.54 | 1.61 |
| Quick Ratio (X) | 1.22 | 1.22 | 1.65 | 1.54 | 1.61 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 10.33 | 11.57 | 11.18 | 14.93 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 9.37 | 10.50 | 10.14 | 13.11 |
| Earning Retention Ratio (%) | 0.00 | 89.67 | 88.43 | 88.82 | 85.07 |
| Cash Earning Retention Ratio (%) | 0.00 | 90.63 | 89.50 | 89.86 | 86.89 |
| Interest Coverage Ratio (X) | 1.36 | 1.71 | 1.70 | 1.55 | 1.42 |
| Interest Coverage Ratio (Post Tax) (X) | 1.28 | 1.51 | 1.50 | 1.40 | 1.29 |
| Enterprise Value (Cr.) | 62310.79 | 56843.72 | 53544.80 | 38394.62 | 38123.89 |
| EV / Net Operating Revenue (X) | 6.10 | 5.55 | 6.48 | 5.62 | 6.53 |
| EV / EBITDA (X) | 11.03 | 8.57 | 9.76 | 8.26 | 10.20 |
| MarketCap / Net Operating Revenue (X) | 1.36 | 1.27 | 2.25 | 1.58 | 1.82 |
| Retention Ratios (%) | 0.00 | 89.66 | 88.42 | 88.81 | 85.06 |
| Price / BV (X) | 1.12 | 1.22 | 2.07 | 1.67 | 1.98 |
| Price / Net Operating Revenue (X) | 1.36 | 1.27 | 2.25 | 1.58 | 1.82 |
| EarningsYield | 0.02 | 0.13 | 0.08 | 0.10 | 0.07 |
After reviewing the key financial ratios for IIFL Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 9.07. This value is within the healthy range. It has decreased from 46.29 (Mar 24) to 9.07, marking a decrease of 37.22.
- For Diluted EPS (Rs.), as of Mar 25, the value is 8.73. This value is within the healthy range. It has decreased from 45.71 (Mar 24) to 8.73, marking a decrease of 36.98.
- For Cash EPS (Rs.), as of Mar 25, the value is 18.06. This value is within the healthy range. It has decreased from 56.48 (Mar 24) to 18.06, marking a decrease of 38.42.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 292.39. It has decreased from 315.97 (Mar 24) to 292.39, marking a decrease of 23.58.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 292.39. It has decreased from 315.97 (Mar 24) to 292.39, marking a decrease of 23.58.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 240.54. It has decreased from 268.63 (Mar 24) to 240.54, marking a decrease of 28.09.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 133.14. This value is within the healthy range. It has decreased from 173.91 (Mar 24) to 133.14, marking a decrease of 40.77.
- For PBIT / Share (Rs.), as of Mar 25, the value is 128.69. This value is within the healthy range. It has decreased from 169.17 (Mar 24) to 128.69, marking a decrease of 40.48.
- For PBT / Share (Rs.), as of Mar 25, the value is 16.66. This value is within the healthy range. It has decreased from 67.41 (Mar 24) to 16.66, marking a decrease of 50.75.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 13.62. This value is within the healthy range. It has decreased from 51.74 (Mar 24) to 13.62, marking a decrease of 38.12.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 8.92. This value is within the healthy range. It has decreased from 46.22 (Mar 24) to 8.92, marking a decrease of 37.30.
- For PBDIT Margin (%), as of Mar 25, the value is 55.34. This value is within the healthy range. It has decreased from 64.74 (Mar 24) to 55.34, marking a decrease of 9.40.
- For PBIT Margin (%), as of Mar 25, the value is 53.50. This value exceeds the healthy maximum of 20. It has decreased from 62.97 (Mar 24) to 53.50, marking a decrease of 9.47.
- For PBT Margin (%), as of Mar 25, the value is 6.92. This value is below the healthy minimum of 10. It has decreased from 25.09 (Mar 24) to 6.92, marking a decrease of 18.17.
- For Net Profit Margin (%), as of Mar 25, the value is 5.66. This value is within the healthy range. It has decreased from 19.26 (Mar 24) to 5.66, marking a decrease of 13.60.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 3.70. This value is below the healthy minimum of 8. It has decreased from 17.20 (Mar 24) to 3.70, marking a decrease of 13.50.
- For Return on Networth / Equity (%), as of Mar 25, the value is 3.05. This value is below the healthy minimum of 15. It has decreased from 16.58 (Mar 24) to 3.05, marking a decrease of 13.53.
- For Return on Capital Employeed (%), as of Mar 25, the value is 38.16. This value is within the healthy range. It has decreased from 52.09 (Mar 24) to 38.16, marking a decrease of 13.93.
- For Return On Assets (%), as of Mar 25, the value is 0.55. This value is below the healthy minimum of 5. It has decreased from 2.82 (Mar 24) to 0.55, marking a decrease of 2.27.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 4.11. This value exceeds the healthy maximum of 1. It has decreased from 4.39 (Mar 24) to 4.11, marking a decrease of 0.28.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.15. It has decreased from 0.17 (Mar 24) to 0.15, marking a decrease of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 1.22. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 24) which recorded 1.22.
- For Quick Ratio (X), as of Mar 25, the value is 1.22. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.22.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 10.33 (Mar 24) to 0.00, marking a decrease of 10.33.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 9.37 (Mar 24) to 0.00, marking a decrease of 9.37.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 89.67 (Mar 24) to 0.00, marking a decrease of 89.67.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 90.63 (Mar 24) to 0.00, marking a decrease of 90.63.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.36. This value is below the healthy minimum of 3. It has decreased from 1.71 (Mar 24) to 1.36, marking a decrease of 0.35.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.28. This value is below the healthy minimum of 3. It has decreased from 1.51 (Mar 24) to 1.28, marking a decrease of 0.23.
- For Enterprise Value (Cr.), as of Mar 25, the value is 62,310.79. It has increased from 56,843.72 (Mar 24) to 62,310.79, marking an increase of 5,467.07.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.10. This value exceeds the healthy maximum of 3. It has increased from 5.55 (Mar 24) to 6.10, marking an increase of 0.55.
- For EV / EBITDA (X), as of Mar 25, the value is 11.03. This value is within the healthy range. It has increased from 8.57 (Mar 24) to 11.03, marking an increase of 2.46.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.36. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.36, marking an increase of 0.09.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 89.66 (Mar 24) to 0.00, marking a decrease of 89.66.
- For Price / BV (X), as of Mar 25, the value is 1.12. This value is within the healthy range. It has decreased from 1.22 (Mar 24) to 1.12, marking a decrease of 0.10.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.36. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.36, marking an increase of 0.09.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.13 (Mar 24) to 0.02, marking a decrease of 0.11.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in IIFL Finance Ltd:
- Net Profit Margin: 5.66%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 38.16% (Industry Average ROCE: 11.14%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 3.05% (Industry Average ROE: 24.85%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.28
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.22
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 28.2 (Industry average Stock P/E: 48.55)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 4.11
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 5.66%
About the Company - IIFL Finance Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | IIFL House, Sun Infotech Park, Thane Maharashtra 400604 | shareholders@iifl.com https://www.iifl.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Arun Kumar Purwar | Chairman & Ind.Director |
| Mr. Nirmal Jain | Managing Director |
| Mr. R Venkataraman | Joint Managing Director |
| Mr. Chandran Ratnaswami | Non Executive Director |
| Mr. Vijay Kumar Chopra | Independent Director |
| Ms. Geeta Mathur | Independent Director |
| Mr. Ramakrishnan Subramanian | Independent Director |
| Mr. Nilesh Vikamsey | Independent Director |
IIFL Finance Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹397.00 |
| Previous Day | ₹401.35 |
FAQ
What is the intrinsic value of IIFL Finance Ltd?
IIFL Finance Ltd's intrinsic value (as of 30 November 2025) is 343.90 which is 39.56% lower the current market price of 569.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 24,180 Cr. market cap, FY2025-2026 high/low of 578/280, reserves of ₹12,885 Cr, and liabilities of 76,012 Cr.
What is the Market Cap of IIFL Finance Ltd?
The Market Cap of IIFL Finance Ltd is 24,180 Cr..
What is the current Stock Price of IIFL Finance Ltd as on 30 November 2025?
The current stock price of IIFL Finance Ltd as on 30 November 2025 is 569.
What is the High / Low of IIFL Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of IIFL Finance Ltd stocks is 578/280.
What is the Stock P/E of IIFL Finance Ltd?
The Stock P/E of IIFL Finance Ltd is 28.2.
What is the Book Value of IIFL Finance Ltd?
The Book Value of IIFL Finance Ltd is 305.
What is the Dividend Yield of IIFL Finance Ltd?
The Dividend Yield of IIFL Finance Ltd is 0.00 %.
What is the ROCE of IIFL Finance Ltd?
The ROCE of IIFL Finance Ltd is 8.81 %.
What is the ROE of IIFL Finance Ltd?
The ROE of IIFL Finance Ltd is 4.90 %.
What is the Face Value of IIFL Finance Ltd?
The Face Value of IIFL Finance Ltd is 2.00.