Share Price and Basic Stock Data
Last Updated: December 13, 2025, 8:06 am
| PEG Ratio | -1.25 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
IIFL Finance Ltd operates in the finance and investments sector, offering a broad range of financial services. As of the latest market data, the company’s share price stood at ₹555, with a market capitalization of ₹23,585 Cr. Over the past year, IIFL has demonstrated a steady revenue growth trajectory. For instance, revenue increased from ₹2,121 Cr in December 2022 to ₹2,649 Cr by December 2023. This upward trend reflects a strong demand for their financing solutions, which include loans for various purposes. However, the company’s revenue growth is not without its fluctuations; in the latest quarter (June 2024), revenue dipped slightly to ₹2,621 Cr. Such variability may raise questions about sustainability, particularly in a competitive market where consumer preferences are continually evolving.
Profitability and Efficiency Metrics
In terms of profitability, IIFL Finance reported a net profit of ₹514 Cr for the trailing twelve months. The company’s earnings per share (EPS) is noted at ₹9.07, which reflects a significant decline from ₹41.60 a year earlier. This sharp drop in EPS raises flags for investors regarding the company’s ability to maintain profitability amidst rising operational costs. The interest coverage ratio (ICR) stood at 1.36x, which suggests that while IIFL can cover its interest obligations, the margin isn’t particularly robust. The financing margin has shown fluctuations as well, peaking at 27% in September 2023 but declining to 14% by March 2025. This inconsistency might indicate challenges in managing costs effectively, which could impact long-term profitability.
Balance Sheet Strength and Financial Ratios
IIFL’s balance sheet appears reasonably healthy, with reserves reported at ₹12,327 Cr. However, the company’s total borrowings have also risen to ₹51,533 Cr, leading to a total debt-to-equity ratio of 4.11x. This high leverage raises concerns about financial stability, particularly in an environment of rising interest rates. The return on equity (ROE) has declined significantly to 4.90%, compared to 19% just two years prior, indicating that shareholder returns are diminishing. Furthermore, the return on capital employed (ROCE) stands at 8.81%, which suggests that the company is generating a decent return on its investments, albeit lower than industry expectations. Investors should closely monitor these ratios, as they provide critical insights into operational efficiency and financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IIFL Finance indicates a diverse ownership structure, with promoters holding 24.86% and foreign institutional investors (FIIs) at 26.77%. This level of foreign investment is generally viewed positively, as it reflects confidence from international investors. However, the declining public shareholding, which now stands at 39.23%, may suggest waning interest among retail investors. The number of shareholders has fluctuated, recently reported at 1,42,808, indicating some volatility in investor sentiment. This scenario can be a double-edged sword; while institutional backing offers stability, a lack of retail interest might indicate underlying concerns among smaller investors regarding the company’s future prospects.
Outlook, Risks, and Final Insight
The outlook for IIFL Finance is mixed. On one hand, the company has shown a robust ability to generate revenue, but the recent decline in profitability metrics and rising debt levels introduce risks that cannot be overlooked. Investors should consider the implications of high leverage in a potentially tightening monetary policy environment, which could increase borrowing costs and pressure margins further. Additionally, the company’s fluctuating financing margins and declining ROE may lead to skepticism among investors. While the presence of institutional investors lends a degree of credibility, the challenges in maintaining profitability and managing debt could weigh heavily on the stock’s performance. Thus, IIFL Finance presents a complex investment case that requires careful consideration of both its strengths and inherent risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 404 Cr. | 1,052 | 2,300/1,000 | 52.3 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 67.2 Cr. | 40.0 | 57.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 48.0 Cr. | 89.0 | 161/68.6 | 200 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 61.1 Cr. | 46.9 | 76.2/37.0 | 54.1 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.3 Cr. | 30.3 | 165/26.5 | 70.4 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,008.96 Cr | 1,506.07 | 48.24 | 3,630.28 | 0.38% | 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: December 10, 2025, 2:49 am
| 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 - 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 |
|---|---|---|---|---|---|---|
| HSBC Midcap Fund | 4,091,350 | 1.77 | 218.72 | N/A | N/A | N/A |
| HSBC Small Cap Fund | 3,399,982 | 1.1 | 181.76 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 2,215,407 | 0.86 | 118.44 | N/A | N/A | N/A |
| Mahindra Manulife Small Cap Fund | 1,887,971 | 2.34 | 100.93 | N/A | N/A | N/A |
| Mahindra Manulife Multi Cap Fund | 1,520,000 | 1.34 | 81.26 | N/A | N/A | N/A |
| ITI Small Cap Fund | 752,059 | 1.42 | 40.21 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 707,385 | 0.13 | 37.82 | N/A | N/A | N/A |
| HSBC Flexi Cap Fund | 658,600 | 0.67 | 35.21 | N/A | N/A | N/A |
| Mahindra Manulife Large & Mid Cap Fund | 575,000 | 1.1 | 30.74 | N/A | N/A | N/A |
| HSBC ELSS Tax saver Fund | 433,000 | 0.55 | 23.15 | N/A | N/A | N/A |
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
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: 28.8 (Industry average Stock P/E: 48.24)
- 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 14 December 2025) is 351.22 which is 39.55% lower the current market price of 581.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 24,706 Cr. market cap, FY2025-2026 high/low of 593/280, 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 24,706 Cr..
What is the current Stock Price of IIFL Finance Ltd as on 14 December 2025?
The current stock price of IIFL Finance Ltd as on 14 December 2025 is 581.
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 593/280.
What is the Stock P/E of IIFL Finance Ltd?
The Stock P/E of IIFL Finance Ltd is 28.8.
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.