Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated: February 25, 2026, 8:21 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532636 | NSE: IIFL

IIFL Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 25, 2026, 8:21 am

Market Cap 21,368 Cr.
Current Price 502
Intrinsic Value₹186.07
High / Low 675/280
Stock P/E16.7
Book Value 305
Dividend Yield0.80 %
ROCE8.81 %
ROE4.90 %
Face Value 2.00
PEG Ratio12.09

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 ⇩
MKVentures Capital Ltd 350 Cr. 910 1,890/88274.1 2870.03 %16.6 %9.56 % 10.0
My Money Securities Ltd 65.2 Cr. 38.8 54.9/19.2 15.60.00 %44.0 %29.8 % 10.0
Nam Securities Ltd 38.6 Cr. 71.6 105/68.6193 21.60.00 %4.48 %3.22 % 10.0
ICDS Ltd 55.4 Cr. 42.5 68.5/36.623.5 23.00.00 %11.8 %6.05 % 10.0
HCKK Ventures Ltd 13.3 Cr. 35.9 165/26.588.7 12.10.00 %6.93 %5.14 % 10.0
Industry Average19,302.52 Cr1,355.53176.193,633.970.43%11.38%25.55%6.85

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%
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%

Last Updated: February 5, 2026, 2:32 pm

Below is a detailed analysis of the quarterly data for IIFL Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:

  • For Interest, as of Dec 2025, the value is 1,437.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,382.00 Cr. (Sep 2025) to 1,437.00 Cr., marking an increase of 55.00 Cr..
  • For Expenses, as of Dec 2025, the value is 1,280.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,323.00 Cr. (Sep 2025) to 1,280.00 Cr., marking a decrease of 43.00 Cr..
  • For Other Income, as of Dec 2025, the value is 5.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Sep 2025) to 5.00 Cr., marking an increase of 1.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 53.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 47.00 Cr. (Sep 2025) to 53.00 Cr., marking an increase of 6.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 663.00 Cr.. The value appears strong and on an upward trend. It has increased from 557.00 Cr. (Sep 2025) to 663.00 Cr., marking an increase of 106.00 Cr..
  • For Tax %, as of Dec 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Sep 2025) to 24.00%, marking a decrease of 1.00%.
  • For Net Profit, as of Dec 2025, the value is 501.00 Cr.. The value appears strong and on an upward trend. It has increased from 418.00 Cr. (Sep 2025) to 501.00 Cr., marking an increase of 83.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 10.92. The value appears strong and on an upward trend. It has increased from 8.86 (Sep 2025) to 10.92, marking an increase of 2.06.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

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

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.

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

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

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of IIFL Finance Ltd as of February 25, 2026 is: ₹201.26

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of February 25, 2026, IIFL Finance Ltd is Overvalued by 59.91% compared to the current share price ₹502.00

Intrinsic Value of IIFL Finance Ltd as of February 25, 2026 is: ₹204.04

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of February 25, 2026, IIFL Finance Ltd is Overvalued by 59.35% compared to the current share price ₹502.00

Last 5 Year EPS CAGR: 1.38%

*Investments are subject to market risks

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:
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Stock P/E: 16.7 (Industry average Stock P/E: 176.19)
      • 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.
    7. 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

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?

IIFL Finance Ltd's intrinsic value (as of 25 February 2026) is ₹204.04 which is 59.35% lower the current market price of ₹502.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹21,368 Cr. market cap, FY2025-2026 high/low of ₹675/280, 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 21,368 Cr..

What is the current Stock Price of IIFL Finance Ltd as on 25 February 2026?

The current stock price of IIFL Finance Ltd as on 25 February 2026 is ₹502.

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 ₹675/280.

What is the Stock P/E of IIFL Finance Ltd?

The Stock P/E of IIFL Finance Ltd is 16.7.

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 0.80 %.

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.

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
Explore Industry-wise Stock Analysis Reports