Share Price and Basic Stock Data
Last Updated: October 16, 2025, 9:08 pm
| PEG Ratio | -1.18 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
IIFL Finance Ltd, operating in the Finance & Investments sector, reported a revenue of ₹8,444 Cr for the fiscal year ending March 2023, representing a notable increase from ₹6,991 Cr in March 2022. The revenue trajectory has shown consistent growth, with quarterly figures rising from ₹1,931 Cr in June 2022 to ₹2,478 Cr by September 2023. This upward trend reflects IIFL’s ability to expand its operational footprint and enhance its service offerings. The company recorded a revenue of ₹10,472 Cr for the fiscal year ending March 2024, indicating a robust growth path. However, the revenue for the subsequent year, March 2025, is reported to decline slightly to ₹10,234 Cr, suggesting potential market saturation or increased competition. IIFL’s revenue growth is underpinned by a diversified portfolio, including loans and financial services, which positions it favorably within the sector. The company’s ability to maintain revenue growth amidst fluctuating market conditions highlights its operational resilience and strategic agility.
Profitability and Efficiency Metrics
IIFL Finance Ltd’s profitability metrics reveal a mixed performance, with a net profit of ₹578 Cr reported for the fiscal year ending March 2025, down from ₹1,974 Cr in the previous year. This decline may raise concerns regarding the sustainability of profit margins. The company’s earnings per share (EPS) stood at ₹8.92 for the same period, reflecting a significant drop from ₹41.60 in March 2024. The interest coverage ratio (ICR) of 1.71x indicates that IIFL is managing its interest obligations effectively, though it remains on the lower side compared to optimal levels typically seen in the finance sector. The gross NPA percentage has been relatively stable, reported at 2.23% for March 2025, suggesting effective asset quality management. However, the return on equity (ROE) has declined sharply to 5% from 19% in March 2023, indicating potential challenges in generating shareholder value. The financing margin, which stood at 14% for March 2025, also signals a decrease, emphasizing the need for IIFL to enhance operational efficiency and profitability.
Balance Sheet Strength and Financial Ratios
IIFL Finance Ltd’s balance sheet reflects a substantial increase in total liabilities, reported at ₹67,644 Cr for March 2025, compared to ₹62,403 Cr in March 2024. The company’s reserves have grown significantly to ₹12,327 Cr, supporting its capital structure. However, the total debt-to-equity ratio stands at a high 4.39x, indicating a heavy reliance on debt financing, which may pose risks in a rising interest rate environment. The liquidity ratios show a current ratio of 1.22x, suggesting that IIFL is maintaining adequate short-term liquidity to meet its obligations. The interest coverage ratio of 1.71x, while manageable, indicates that the company has limited buffer to absorb fluctuations in earnings before interest and taxes. The book value per share has increased to ₹315.97, reflecting a strengthening equity base. The combination of rising reserves and high leverage presents a dual-edged sword, as it can enhance growth opportunities but also increase financial risk.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IIFL Finance Ltd as of March 2025 indicates a diverse ownership structure, with promoters holding 24.90% of the shares, while foreign institutional investors (FIIs) account for 28.03%. Domestic institutional investors (DIIs) hold 5.54%, and the public owns 41.54%. The increase in FII holdings from 25.57% in September 2022 to 28.03% demonstrates growing confidence from international investors in IIFL’s business model and growth prospects. The number of shareholders has also seen a positive trend, increasing to 1,69,374 in March 2025, compared to 1,49,247 in June 2025, reflecting heightened interest in the stock. However, the declining proportion of promoter holdings over time may suggest a dilution of control, which could impact strategic decision-making. The stability of public shareholding at around 41.54% indicates a solid retail investor base, providing a buffer against market volatility and enhancing overall investor confidence in the company.
Outlook, Risks, and Final Insight
If IIFL Finance Ltd can successfully navigate its profitability challenges and improve its financing margins, there remains potential for a recovery in net profits and EPS. Continued focus on asset quality management will be crucial, particularly as the gross NPA levels have shown some fluctuations. The company’s heavy reliance on debt financing poses risks, especially if interest rates continue to rise; thus, managing leverage will be vital to maintain financial stability. Furthermore, efforts to attract more institutional investors could bolster share price performance and enhance market confidence. If operational efficiencies are enhanced and the company diversifies its revenue streams, IIFL could position itself for sustainable growth. Overall, while the current financials indicate some areas of concern, strategic management and operational improvements could pave the way for a more robust financial future.
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 | 534 Cr. | 1,388 | 2,400/1,151 | 63.0 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 76.7 Cr. | 45.7 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 43.9 Cr. | 81.5 | 170/68.6 | 183 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 67.6 Cr. | 51.9 | 76.2/37.0 | 32.2 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.6 Cr. | 33.8 | 165/29.0 | 44.8 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,231.04 Cr | 1,676.59 | 42.70 | 3,570.60 | 0.37% | 11.38% | 25.55% | 6.85 |
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: October 15, 2025, 5:10 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 | 10,543 |
| 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 | 4,417 |
| Expenses | 1,178 | 1,319 | 1,362 | 689 | 2,221 | 1,435 | 1,682 | 2,239 | 2,355 | 2,936 | 3,842 | 4,559 | 4,743 |
| Financing Profit | 475 | 787 | 900 | 689 | 1,454 | 950 | 752 | 1,090 | 1,625 | 2,263 | 2,734 | 1,479 | 1,383 |
| 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 | -566 |
| Depreciation | 68 | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 181 | 189 | 190 |
| Profit before tax | 420 | 724 | 843 | 1,048 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 627 |
| 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 | 514 |
| 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 | 7.62 |
| 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: July 25, 2025, 3:03 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 59 | 62 | 63 | 64 | 64 | 64 | 76 | 76 | 76 | 76 | 76 | 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 |
| 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 |
| 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 |
| 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 |
| Fixed Assets | 472 | 500 | 533 | 656 | 871 | 369 | 607 | 675 | 775 | 862 | 905 | 1,487 |
| CWIP | 24 | 10 | 6 | 71 | 110 | 7 | 2 | 7 | 6 | 28 | 52 | 23 |
| Investments | 1,012 | 1,283 | 1,867 | 4,153 | 2,150 | 212 | 770 | 32 | 1,192 | 3,511 | 4,059 | 4,438 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for IIFL Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 85.00 Cr.. The value appears strong and on an upward trend. It has increased from 76.00 Cr. (Mar 2024) to 85.00 Cr., marking an increase of 9.00 Cr..
- For Reserves, as of Mar 2025, the value is 12,327.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,561.00 Cr. (Mar 2024) to 12,327.00 Cr., marking an increase of 1,766.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 3,699.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,630.00 Cr. (Mar 2024) to 3,699.00 Cr., marking a decrease of 931.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 67,644.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 62,403.00 Cr. (Mar 2024) to 67,644.00 Cr., marking an increase of 5,241.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,487.00 Cr.. The value appears strong and on an upward trend. It has increased from 905.00 Cr. (Mar 2024) to 1,487.00 Cr., marking an increase of 582.00 Cr..
- For CWIP, as of Mar 2025, the value is 23.00 Cr.. The value appears to be declining and may need further review. It has decreased from 52.00 Cr. (Mar 2024) to 23.00 Cr., marking a decrease of 29.00 Cr..
- For Investments, as of Mar 2025, the value is 4,438.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,059.00 Cr. (Mar 2024) to 4,438.00 Cr., marking an increase of 379.00 Cr..
- For Other Assets, as of Mar 2025, the value is 61,696.00 Cr.. The value appears strong and on an upward trend. It has increased from 57,387.00 Cr. (Mar 2024) to 61,696.00 Cr., marking an increase of 4,309.00 Cr..
- For Total Assets, as of Mar 2025, the value is 67,644.00 Cr.. The value appears strong and on an upward trend. It has increased from 62,403.00 Cr. (Mar 2024) to 67,644.00 Cr., marking an increase of 5,241.00 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 - No data available for this post.
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: 11.38%)
- 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: 25.55%)
- 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: 27.2 (Industry average Stock P/E: 42.7)
- 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 - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Maharashtra 400604 | shareholders@iifl.com https://www.iifl.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Arun Kumar Purwar | Chairperson & Non Executive Director |
| Mr. Nirmal Jain | Managing Director |
| Mr. R Venkataraman | Joint Managing Director |
| Mr. Gopalakrishnan Soundarajan | Non Executive Director |
| Mr. T S Ramakrishnan | Non Exe. & Nominee Director |
| Mr. Ramakrishnan Subramanian | Independent Director |
| Ms. Nirma Bhandari | Independent Director |
| Mr. Bijou Kurien | Independent Director |
| Mr. Nihar Niranjan Jambusaria | Independent Director |
FAQ
What is the intrinsic value of IIFL Finance Ltd?
IIFL Finance Ltd's intrinsic value (as of 17 October 2025) is 317.57 which is 36.49% lower the current market price of 500.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 21,251 Cr. market cap, FY2025-2026 high/low of 538/280, reserves of ₹12,327 Cr, and liabilities of 67,644 Cr.
What is the Market Cap of IIFL Finance Ltd?
The Market Cap of IIFL Finance Ltd is 21,251 Cr..
What is the current Stock Price of IIFL Finance Ltd as on 17 October 2025?
The current stock price of IIFL Finance Ltd as on 17 October 2025 is 500.
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 538/280.
What is the Stock P/E of IIFL Finance Ltd?
The Stock P/E of IIFL Finance Ltd is 27.2.
What is the Book Value of IIFL Finance Ltd?
The Book Value of IIFL Finance Ltd is 292.
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.