Share Price and Basic Stock Data
Last Updated: February 3, 2026, 2:21 am
| PEG Ratio | -2.55 |
|---|
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, with its shares currently priced at ₹545 and a market capitalization of ₹23,072 Cr. The company has demonstrated a strong revenue growth trajectory, with revenues increasing from ₹2,026 Cr in September 2022 to ₹2,478 Cr by September 2023. This upward trend continued into the subsequent quarters, peaking at ₹2,649 Cr in December 2023. The trailing twelve-month (TTM) revenue stands at ₹11,292 Cr, indicating a significant increase from the ₹8,444 Cr reported for the fiscal year ending March 2023. The consistent quarterly revenue growth reflects IIFL Finance’s ability to effectively capture market opportunities and expand its customer base amid a competitive financial landscape.
Profitability and Efficiency Metrics
IIFL Finance has reported a net profit of ₹1,025 Cr for the fiscal year ending March 2025, which is a decline from ₹1,608 Cr in March 2023, signaling potential challenges in maintaining profitability. The company’s return on equity (ROE) stood at 4.90%, significantly lower than the historical highs of 20% in recent years, indicating efficiency issues. The interest coverage ratio (ICR) is at 1.36x, which suggests that the company is managing its interest expenses but remains in a vulnerable position. The financing margin percentage has shown a downward trend, falling to 14% for March 2025 from a peak of 27% in March 2023. These figures highlight the need for IIFL Finance to enhance operational efficiency and profitability to sustain investor confidence and support its growth ambitions.
Balance Sheet Strength and Financial Ratios
The balance sheet of IIFL Finance reflects a robust structure, with total assets amounting to ₹76,012 Cr as of September 2025. The company reported reserves of ₹12,885 Cr, indicating a solid equity base despite rising borrowings, which stood at ₹58,691 Cr. The debt-to-equity ratio is relatively high at 4.11x, which is concerning in a capital-intensive industry. However, the company maintains a current ratio of 1.22, suggesting adequate liquidity to cover short-term obligations. The price-to-book value ratio is at 1.12x, which is below industry norms, indicating that the stock may be undervalued compared to its book value. Overall, while IIFL Finance shows strength in asset accumulation, its high leverage poses risks that need to be monitored closely.
Shareholding Pattern and Investor Confidence
IIFL Finance’s shareholding structure reveals a diverse ownership profile. Promoters hold 24.86% of the shares, while foreign institutional investors (FIIs) account for 26.77%, and domestic institutional investors (DIIs) comprise 9.13%. The public holds a significant 39.23%, indicating broad market participation. The number of shareholders has fluctuated, peaking at 1,49,309 in March 2024, before declining to 1,42,808 by September 2025. This decline may raise concerns about diminishing investor confidence. The gradual increase in FII ownership from 27.79% in December 2022 to 31.27% in December 2023 suggests that international investors are optimistic about IIFL Finance’s long-term prospects, despite the recent profitability challenges.
Outlook, Risks, and Final Insight
Looking ahead, IIFL Finance faces a mix of opportunities and challenges. The company’s ongoing revenue growth and solid asset base position it well for future expansion in a growing financial services market. However, declining profitability and high leverage raise concerns about its financial health. Risks include potential regulatory changes affecting lending practices and market competition that could impact margins. Addressing operational efficiency and profitability will be crucial for sustaining growth. If IIFL Finance can successfully navigate these challenges, it may enhance shareholder value and regain investor confidence, thereby positioning itself favorably in the financial landscape. Conversely, failure to improve profitability could lead to further declines in market sentiment.
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 | 370 Cr. | 962 | 1,890/944 | 47.8 | 287 | 0.03 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 67.0 Cr. | 39.9 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 45.2 Cr. | 83.8 | 122/68.6 | 188 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 50.3 Cr. | 38.6 | 68.5/36.9 | 44.5 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.4 Cr. | 30.7 | 165/26.5 | 71.2 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 18,859.81 Cr | 1,349.70 | 42.98 | 3,631.98 | 0.45% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,026 | 2,121 | 2,187 | 2,301 | 2,478 | 2,649 | 2,854 | 2,621 | 2,556 | 2,443 | 2,591 | 2,953 | 3,305 |
| Interest | 776 | 809 | 861 | 888 | 932 | 985 | 1,063 | 1,042 | 963 | 996 | 1,169 | 1,289 | 1,382 |
| Expenses | 709 | 740 | 779 | 822 | 877 | 948 | 1,255 | 1,109 | 1,105 | 1,307 | 1,065 | 1,267 | 1,323 |
| Financing Profit | 541 | 571 | 547 | 591 | 670 | 715 | 536 | 470 | 488 | 140 | 357 | 397 | 600 |
| Financing Margin % | 27% | 27% | 25% | 26% | 27% | 27% | 19% | 18% | 19% | 6% | 14% | 13% | 18% |
| Other Income | 25 | 24 | 89 | 69 | 57 | 46 | 68 | 12 | -582 | 6 | 3 | 6 | 4 |
| Depreciation | 37 | 39 | 42 | 42 | 43 | 45 | 50 | 46 | 46 | 46 | 51 | 47 | 47 |
| Profit before tax | 529 | 555 | 594 | 618 | 684 | 716 | 554 | 436 | -140 | 101 | 309 | 356 | 557 |
| Tax % | 25% | 24% | 23% | 24% | 23% | 24% | 22% | 22% | -33% | 19% | 19% | 23% | 25% |
| Net Profit | 397 | 423 | 458 | 473 | 526 | 545 | 431 | 338 | -93 | 82 | 251 | 274 | 418 |
| EPS in Rs | 8.99 | 8.96 | 9.76 | 10.06 | 11.20 | 11.58 | 8.81 | 6.79 | -3.72 | 0.96 | 4.89 | 5.49 | 8.86 |
| Gross NPA % | 2.42% | 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 % | 1.22% | 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: January 1, 2026, 9:16 am
Below is a detailed analysis of the quarterly data for IIFL Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,382.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,289.00 Cr. (Jun 2025) to 1,382.00 Cr., marking an increase of 93.00 Cr..
- For Expenses, as of Sep 2025, the value is 1,323.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,267.00 Cr. (Jun 2025) to 1,323.00 Cr., marking an increase of 56.00 Cr..
- For Other Income, as of Sep 2025, the value is 4.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6.00 Cr. (Jun 2025) to 4.00 Cr., marking a decrease of 2.00 Cr..
- For Depreciation, as of Sep 2025, the value is 47.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 47.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 557.00 Cr.. The value appears strong and on an upward trend. It has increased from 356.00 Cr. (Jun 2025) to 557.00 Cr., marking an increase of 201.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 23.00% (Jun 2025) to 25.00%, marking an increase of 2.00%.
- For Net Profit, as of Sep 2025, the value is 418.00 Cr.. The value appears strong and on an upward trend. It has increased from 274.00 Cr. (Jun 2025) to 418.00 Cr., marking an increase of 144.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 8.86. The value appears strong and on an upward trend. It has increased from 5.49 (Jun 2025) to 8.86, marking an increase of 3.37.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:13 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,822 | 3,551 | 3,952 | 3,163 | 6,405 | 4,978 | 4,847 | 5,968 | 6,991 | 8,444 | 10,472 | 10,234 | 11,292 |
| Interest | 1,169 | 1,445 | 1,690 | 1,786 | 2,730 | 2,593 | 2,413 | 2,638 | 3,011 | 3,245 | 3,896 | 4,196 | 4,836 |
| Expenses | 1,178 | 1,319 | 1,362 | 689 | 2,221 | 1,435 | 1,682 | 2,239 | 2,355 | 2,936 | 3,842 | 4,559 | 4,962 |
| Financing Profit | 475 | 787 | 900 | 689 | 1,454 | 950 | 752 | 1,090 | 1,625 | 2,263 | 2,734 | 1,479 | 1,494 |
| Financing Margin % | 17% | 22% | 23% | 22% | 23% | 19% | 16% | 18% | 23% | 27% | 26% | 14% | 13% |
| Other Income | 13 | -4 | 8 | 375 | 61 | 212 | 79 | 20 | 32 | 2 | 18 | -584 | 20 |
| Depreciation | 68 | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 181 | 189 | 191 |
| Profit before tax | 420 | 724 | 843 | 1,048 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 1,324 |
| Tax % | 31% | 34% | 34% | 22% | 30% | 30% | 31% | 24% | 23% | 24% | 23% | 18% | |
| Net Profit | 291 | 476 | 555 | 822 | 1,021 | 796 | 503 | 761 | 1,188 | 1,608 | 1,974 | 578 | 1,025 |
| EPS in Rs | 8.45 | 12.98 | 14.53 | 19.42 | 22.42 | 22.40 | 11.94 | 18.06 | 28.16 | 35.49 | 41.60 | 8.92 | 20.20 |
| Dividend Payout % | 32% | 21% | 26% | 21% | 20% | 20% | 17% | 15% | 11% | 10% | 9% | -0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 63.57% | 16.60% | 48.11% | 24.21% | -22.04% | -36.81% | 51.29% | 56.11% | 35.35% | 22.76% | -70.72% |
| Change in YoY Net Profit Growth (%) | 0.00% | -46.98% | 31.51% | -23.90% | -46.25% | -14.77% | 88.10% | 4.82% | -20.76% | -12.59% | -93.48% |
IIFL Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 16% |
| 3 Years: | 14% |
| TTM: | -1% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 2% |
| 3 Years: | -22% |
| TTM: | -52% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 39% |
| 3 Years: | 10% |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 14% |
| 3 Years: | 13% |
| Last Year: | 5% |
Last Updated: September 5, 2025, 6:55 am
Balance Sheet
Last Updated: 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
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -9.00 | -13.00 | -14.00 | 665.00 | -32.00 | -25.00 | -26.00 | -30.00 | -34.00 | -38.00 | -44.00 | -47.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 19% | 17% | 18% | 17% | 16% | 11% | 15% | 20% | 19% | 18% | 5% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HSBC Midcap Fund | 4,091,350 | 2.01 | 249.78 | N/A | N/A | N/A |
| HSBC Small Cap Fund | 3,822,687 | 1.46 | 233.38 | 3,399,982 | 2026-01-26 03:05:13 | 12.43% |
| Franklin India Small Cap Fund | 2,215,407 | 1.02 | 135.25 | N/A | N/A | N/A |
| Mahindra Manulife Small Cap Fund | 1,887,971 | 2.73 | 115.26 | N/A | N/A | N/A |
| Mahindra Manulife Multi Cap Fund | 1,520,000 | 1.51 | 92.8 | N/A | N/A | N/A |
| ITI Small Cap Fund | 737,522 | 1.61 | 45.03 | 752,059 | 2026-01-25 13:20:31 | -1.93% |
| HDFC Large and Mid Cap Fund | 707,385 | 0.15 | 43.19 | N/A | N/A | N/A |
| HSBC Flexi Cap Fund | 658,600 | 0.77 | 40.21 | N/A | N/A | N/A |
| Mahindra Manulife Large & Mid Cap Fund | 575,000 | 1.26 | 35.1 | N/A | N/A | N/A |
| DSP Multicap Fund | 472,372 | 1.08 | 28.84 | 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: 16.4 (Industry average Stock P/E: 42.98)
- 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 | Contact not found |
| 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 03 February 2026) is ₹184.96 which is 62.63% lower the current market price of ₹495.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹21,042 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 21,042 Cr..
What is the current Stock Price of IIFL Finance Ltd as on 03 February 2026?
The current stock price of IIFL Finance Ltd as on 03 February 2026 is ₹495.
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 16.4.
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 0.81 %.
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.