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Last Updated: April 2, 2026, 3:05 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532636 | NSE: IIFL

IIFL Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹174.94Overvalued by 60.06%vs CMP ₹438.00

P/E (14.5) × ROE (4.9%) × BV (₹305.00) × DY (0.91%)

₹311.54Overvalued by 28.87%vs CMP ₹438.00
MoS: -40.6% (Negative)Confidence: 48/100 (Moderate)Models: 1 Under, 2 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹177.3624%Over (-59.5%)
Graham NumberEarnings₹454.9417%Fair (+3.9%)
Earnings PowerEarnings₹293.5611%Over (-33%)
DCFCash Flow₹395.9214%Fair (-9.6%)
Net Asset ValueAssets₹305.148%Over (-30.3%)
EV/EBITDAEnterprise₹44.479%Over (-89.8%)
Earnings YieldEarnings₹301.608%Over (-31.1%)
ROCE CapitalReturns₹564.019%Under (+28.8%)
Consensus (8 models)₹311.54100%Overvalued
Key Drivers: ROE 4.9% is below cost of equity. | Wide model spread (₹44–₹564) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 1.4%

*Investments are subject to market risks

Investment Snapshot

58
IIFL Finance Ltd scores 58/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health55/100 · Moderate
ROCE 8.8% AverageROE 4.9% WeakD/E 5.99 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money65/100 · Strong
FII holding stable No changeDII holding up 3.62% MF buyingPromoter holding at 24.9% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +91% YoY Strong
Industry Rank55/100 · Moderate
P/E 14.5 vs industry 171.3 Cheaper than peersROCE 8.8% vs industry 11.4% AverageROE 4.9% vs industry 25.6% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

IIFL Finance Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
50/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 14.5 vs Ind 171.3 | ROCE 8.8% | ROE 4.9% | CFO/NP N/A
Balance Sheet Stress
30/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 5.99x | IntCov 0.0x | Current 1.61x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹578 Cr | CFO/NP N/A
Ownership Accumulation
+25
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII +1.00 pp | DII +0.03 pp | Prom -0.01 pp
Business Momentum
+24
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +19.9% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-28.9%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change+1.00 ppLatest FII% minus previous FII%
DII Change+0.03 ppLatest DII% minus previous DII%
Promoter Change-0.01 ppLatest promoter% minus previous promoter%
Shareholder Count Change-8,534Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+19.9%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:05 am

Market Cap 18,617 Cr.
Current Price 438
Intrinsic Value₹311.54
High / Low 675/306
Stock P/E14.5
Book Value 305
Dividend Yield0.91 %
ROCE8.81 %
ROE4.90 %
Face Value 2.00
PEG Ratio10.49

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for IIFL Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
IIFL Finance Ltd 18,617 Cr. 438 675/30614.5 3050.91 %8.81 %4.90 % 2.00
Manappuram Finance Ltd 21,618 Cr. 255 322/21953.0 1501.37 %11.0 %10.1 % 2.00
Angel One Ltd 21,870 Cr. 241 328/20628.4 64.02.00 %25.8 %27.1 % 1.00
Maharashtra Scooters Ltd 12,870 Cr. 11,261 18,538/9,22541.4 28,8871.42 %0.59 %0.61 % 10.0
Piramal Enterprises Ltd 25,483 Cr. 1,124 1,356/87349.0 1,2020.98 %6.78 %1.63 % 2.00
Industry Average17,128.74 Cr1,145.63171.253,616.520.48%11.38%25.55%6.58

All Competitor Stocks of IIFL Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue2,1212,1872,3012,4782,6492,8542,6212,5562,4432,5912,9533,3053,427
Interest 8098618889329851,0631,0429639961,1691,2891,3821,437
Expenses 7407798228779481,2551,1091,1051,3071,0651,2671,3231,280
Financing Profit571547591670715536470488140357397600710
Financing Margin %27%25%26%27%27%19%18%19%6%14%13%18%21%
Other Income 24896957466812-58263645
Depreciation 39424243455046464651474753
Profit before tax 555594618684716554436-140101309356557663
Tax % 24%23%24%23%24%22%22%-33%19%19%23%25%24%
Net Profit 423458473526545431338-9382251274418501
EPS in Rs 8.969.7610.0611.2011.588.816.79-3.720.964.895.498.8610.92
Gross NPA %2.08%1.84%1.84%1.84%1.71%2.32%2.25%2.35%2.42%2.23%2.34%2.14%1.60%
Net NPA %1.06%1.08%1.06%1.02%0.87%1.20%1.11%1.06%1.01%1.05%1.13%1.02%0.75%

Last Updated: March 4, 2026, 9:09 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 11:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2,8223,5513,9523,1636,4054,9784,8475,9686,9918,44410,47210,23412,277
Interest 1,1691,4451,6901,7862,7302,5932,4132,6383,0113,2453,8964,1965,277
Expenses 1,1781,3191,3626892,2211,4351,6822,2392,3552,9363,8424,5594,935
Financing Profit4757879006891,4549507521,0901,6252,2632,7341,4792,064
Financing Margin %17%22%23%22%23%19%16%18%23%27%26%14%17%
Other Income 13-4837561212792032218-58419
Depreciation 685966166732106106122153181189198
Profit before tax 4207248431,0481,4481,1307251,0051,5362,1132,5727071,885
Tax % 31%34%34%22%30%30%31%24%23%24%23%18%
Net Profit 2914765558221,0217965037611,1881,6081,9745781,445
EPS in Rs 8.4512.9814.5319.4222.4222.4011.9418.0628.1635.4941.608.9230.16
Dividend Payout % 32%21%26%21%20%20%17%15%11%10%9%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: December 10, 2025, 2:49 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 59626364646476767676768585
Reserves 2,0932,4963,2894,3184,6794,2904,6845,3126,3888,91610,56112,32712,885
Borrowing10,51614,63915,94824,33034,32626,51727,99632,58336,08640,01747,13651,53358,691
Other Liabilities 1,8462,2213,5665,0495,4262,3681,6172,6963,3603,9934,6303,6994,351
Total Liabilities 14,51419,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64476,012
Fixed Assets 4725005336568713696076757758629051,4871,505
CWIP 241067111072762852235
Investments 1,0121,2831,8674,1532,150212770321,1923,5114,0594,4385,711
Other Assets 13,00617,62420,46128,88141,36532,65132,99439,95443,93748,60257,38761,69668,792
Total Assets 14,51419,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64476,012

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -63-2,126-54-4,329-10,4834221,101-3,5871,784-5,225-8,716-4,781
Cash from Investing Activity + 60-361-671-2,602-374562-919236-996-2,716468-1,149
Cash from Financing Activity + 172,9045259,0948,468201094,4282,7815,3617,0885,526
Net Cash Flow 14417-2002,162-2,3891,0042901,0773,569-2,580-1,160-403
Free Cash Flow -136-2,211-131-4,343-10,6543551,052-3,6211,684-5,484-8,804-4,839
CFO/OP 5%-83%8%-165%-237%20%42%-88%45%-90%-121%-77%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-9.00-13.00-14.00665.00-32.00-25.00-26.00-30.00-34.00-38.00-44.00-47.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 14%19%17%18%17%16%11%15%20%19%18%5%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 24.85%24.84%24.81%24.80%24.78%24.92%24.91%24.90%24.90%24.86%24.86%24.85%
FIIs 28.09%28.63%28.31%31.27%29.14%30.31%29.64%27.78%28.03%26.62%26.77%27.77%
DIIs 4.04%5.54%7.30%8.27%8.59%7.43%6.25%4.50%5.54%8.09%9.13%9.16%
Public 43.01%40.98%39.59%35.67%37.47%37.35%39.19%42.84%41.54%40.41%39.23%38.20%
No. of Shareholders 67,46865,44067,66083,6761,49,3091,45,0731,58,1331,73,5301,69,3741,49,2471,42,8081,34,274

Shareholding Pattern Chart

No. of Shareholders

IIFL Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HSBC Small Cap Fund 3,046,147 1.07 161.053,822,6872026-02-23 01:16:55-20.31%
Franklin India Small Cap Fund 2,215,407 0.92 117.13N/AN/AN/A
Mahindra Manulife Small Cap Fund 1,887,971 2.5 99.82N/AN/AN/A
Mahindra Manulife Multi Cap Fund 1,520,000 1.33 80.36N/AN/AN/A
Franklin India Opportunities Fund 1,276,510 0.82 67.49N/AN/AN/A
HDFC Large and Mid Cap Fund 707,385 0.13 37.4N/AN/AN/A
Mahindra Manulife Large & Mid Cap Fund 575,000 1.11 30.4N/AN/AN/A
ITI Small Cap Fund 514,352 1.02 27.19737,5222026-02-23 00:40:58-30.26%
DSP Multicap Fund 472,372 0.97 24.97N/AN/AN/A
HSBC ELSS Tax saver Fund 433,000 0.58 22.89N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 9.0746.2939.4931.3320.09
Diluted EPS (Rs.) 8.7345.7139.1831.1420.04
Cash EPS (Rs.) 18.0656.4846.2634.5122.86
Book Value[Excl.RevalReserv]/Share (Rs.) 292.39315.97268.16170.44142.37
Book Value[Incl.RevalReserv]/Share (Rs.) 292.39315.97268.16170.44142.37
Revenue From Operations / Share (Rs.) 240.54268.63217.08180.09154.15
PBDIT / Share (Rs.) 133.14173.91144.22122.4698.62
PBIT / Share (Rs.) 128.69169.17140.21119.2695.83
PBT / Share (Rs.) 16.6667.4155.5340.4626.52
Net Profit / Share (Rs.) 13.6251.7442.2531.3020.08
NP After MI And SOA / Share (Rs.) 8.9246.2239.4331.2920.06
PBDIT Margin (%) 55.3464.7466.4367.9963.97
PBIT Margin (%) 53.5062.9764.5866.2162.17
PBT Margin (%) 6.9225.0925.5722.4617.20
Net Profit Margin (%) 5.6619.2619.4617.3813.02
NP After MI And SOA Margin (%) 3.7017.2018.1617.3713.01
Return on Networth / Equity (%) 3.0516.5816.6818.3714.10
Return on Capital Employeed (%) 38.1652.0924.4226.4822.18
Return On Assets (%) 0.552.822.832.581.86
Long Term Debt / Equity (X) 0.000.001.241.611.97
Total Debt / Equity (X) 4.114.394.405.535.99
Asset Turnover Ratio (%) 0.150.170.110.120.12
Current Ratio (X) 1.221.221.651.541.61
Quick Ratio (X) 1.221.221.651.541.61
Dividend Payout Ratio (NP) (%) 0.0010.3311.5711.1814.93
Dividend Payout Ratio (CP) (%) 0.009.3710.5010.1413.11
Earning Retention Ratio (%) 0.0089.6788.4388.8285.07
Cash Earning Retention Ratio (%) 0.0090.6389.5089.8686.89
Interest Coverage Ratio (X) 1.361.711.701.551.42
Interest Coverage Ratio (Post Tax) (X) 1.281.511.501.401.29
Enterprise Value (Cr.) 62310.7956843.7253544.8038394.6238123.89
EV / Net Operating Revenue (X) 6.105.556.485.626.53
EV / EBITDA (X) 11.038.579.768.2610.20
MarketCap / Net Operating Revenue (X) 1.361.272.251.581.82
Retention Ratios (%) 0.0089.6688.4288.8185.06
Price / BV (X) 1.121.222.071.671.98
Price / Net Operating Revenue (X) 1.361.272.251.581.82
EarningsYield 0.020.130.080.100.07

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

IIFL Finance Ltd. is a Public Limited Listed company incorporated on 18/10/1995 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L67100MH1995PLC093797 and registration number is 093797. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 4066.17 Cr. and Equity Capital is Rs. 84.90 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Maharashtra 400604Contact not found
Management
NamePosition Held
Mr. Arun Kumar PurwarChairperson & Non Executive Director
Mr. Nirmal JainManaging Director
Mr. R VenkataramanJoint Managing Director
Mr. Gopalakrishnan SoundarajanNon Executive Director
Mr. T S RamakrishnanNon Exe. & Nominee Director
Mr. Ramakrishnan SubramanianIndependent Director
Ms. Nirma BhandariIndependent Director
Mr. Bijou KurienIndependent Director
Mr. Nihar Niranjan JambusariaIndependent Director

FAQ

What is the intrinsic value of IIFL Finance Ltd and is it undervalued?

As of 05 April 2026, IIFL Finance Ltd's intrinsic value is ₹311.54, which is 28.87% lower than the current market price of ₹438.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (4.90 %), book value (₹305), dividend yield (0.91 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of IIFL Finance Ltd?

IIFL Finance Ltd is trading at ₹438.00 as of 05 April 2026, with a FY2026-2027 high of ₹675 and low of ₹306. The stock is currently in the middle of its 52-week range. Market cap stands at ₹18,617 Cr..

How does IIFL Finance Ltd's P/E ratio compare to its industry?

IIFL Finance Ltd has a P/E ratio of 14.5, which is below the industry average of 171.25. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is IIFL Finance Ltd financially healthy?

Key indicators for IIFL Finance Ltd: ROCE of 8.81 % is on the lower side compared to the industry average of 11.38%; ROE of 4.90 % is below ideal levels (industry average: 25.55%). Dividend yield is 0.91 %.

Is IIFL Finance Ltd profitable and how is the profit trend?

IIFL Finance Ltd reported a net profit of ₹578 Cr in Mar 2025 on revenue of ₹10,234 Cr. Compared to ₹1,188 Cr in Mar 2022, the net profit shows a declining trend.

Does IIFL Finance Ltd pay dividends?

IIFL Finance Ltd has a dividend yield of 0.91 % at the current price of ₹438.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IIFL Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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