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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo

IIFL Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 3, 2025, 1:20 am

Market Cap 14,269 Cr.
Current Price 336
High / Low 561/280
Stock P/E13.4
Book Value 285
Dividend Yield1.19 %
ROCE11.8 %
ROE17.8 %
Face Value 2.00
PEG Ratio-2.03

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

View Share Price Target for IIFL Finance Ltd

Competitors of IIFL Finance Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
MKVentures Capital Ltd 567 Cr. 1,474 2,800/1,21227.5 2670.07 %20.6 %33.6 % 10.0
Modern Shares & Stockbrokers Ltd 14.6 Cr. 49.8 69.4/36.041.7 43.90.00 %4.33 %3.24 % 10.0
Monarch Networth Capital Ltd 2,644 Cr. 337 501/22617.0 93.00.15 %51.8 %43.4 % 10.0
Monotype India Ltd 51.3 Cr. 0.73 2.42/0.606.42 0.130.00 %438 %% 1.00
Multipurpose Trading & Agencies Ltd 5.10 Cr. 10.3 13.3/7.9326.8 10.20.00 %4.44 %3.91 % 10.0
Industry Average6,854.22 Cr1,387.6986.075,208.090.37%18.65%17.36%7.36

All Competitor Stocks of IIFL Finance Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue1,7981,8731,9312,0262,1212,1872,3012,4782,6492,8542,6132,5562,443
Interest 7737737767768098618889329851,0741,034963996
Expenses 6467077317097407798228779481,2441,1091,1051,307
Financing Profit379393424541571547591670715536470488140
Financing Margin %21%21%22%27%27%25%26%27%27%19%18%19%6%
Other Income 4560442524896957466812-5826
Depreciation 30333437394242434550464646
Profit before tax 394420434529555594618684716554436-140101
Tax % 21%24%24%25%24%23%24%23%24%22%22%-33%19%
Net Profit 310321330397423458473526545431338-9382
EPS in Rs 7.357.617.818.998.969.7610.0611.2011.588.816.79-3.720.96
Gross NPA %2.79%3.15%2.60%2.42%2.08%1.84%1.84%1.84%1.71%2.32%2.25%2.35%2.42%
Net NPA %1.47%1.83%1.15%1.22%1.06%1.08%1.06%1.02%0.87%1.20%1.11%1.06%1.01%

Last Updated: February 28, 2025, 7:22 pm

Below is a detailed analysis of the quarterly data for IIFL Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹996.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 963.00 Cr. (Sep 2024) to ₹996.00 Cr., marking an increase of 33.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹1,307.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,105.00 Cr. (Sep 2024) to ₹1,307.00 Cr., marking an increase of 202.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹6.00 Cr.. The value appears strong and on an upward trend. It has increased from -582.00 Cr. (Sep 2024) to ₹6.00 Cr., marking an increase of 588.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹46.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 46.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹101.00 Cr.. The value appears strong and on an upward trend. It has increased from -140.00 Cr. (Sep 2024) to ₹101.00 Cr., marking an increase of 241.00 Cr..
  • For Tax %, as of Dec 2024, the value is 19.00%. The value appears to be increasing, which may not be favorable. It has increased from -33.00% (Sep 2024) to 19.00%, marking an increase of 52.00%.
  • For Net Profit, as of Dec 2024, the value is ₹82.00 Cr.. The value appears strong and on an upward trend. It has increased from -93.00 Cr. (Sep 2024) to ₹82.00 Cr., marking an increase of 175.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 0.96. The value appears strong and on an upward trend. It has increased from -3.72 (Sep 2024) to 0.96, marking an increase of 4.68.

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: March 6, 2025, 3:59 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue2,6582,8223,5513,9523,1636,4054,9784,8475,9686,9918,44410,47110,466
Interest 1,0001,1691,4451,6901,7862,7302,5932,4132,6383,0113,2453,9114,067
Expenses 1,1811,1781,3191,3626892,2211,4351,6822,2392,3552,9363,8274,764
Financing Profit4774757879006891,4549507521,0901,6252,2632,7341,635
Financing Margin %18%17%22%23%22%23%19%16%18%23%27%26%16%
Other Income 713-4837561212792032219-495
Depreciation 84685966166732106106122153181188
Profit before tax 4004207248431,0481,4481,1307251,0051,5362,1132,572951
Tax % 30%31%34%34%22%30%30%31%24%23%24%23%
Net Profit 2792914765558221,0217965037611,1881,6081,974757
EPS in Rs 8.308.4512.9814.5319.4222.4222.4011.9418.0628.1635.4941.6012.84
Dividend Payout % 33%32%21%26%21%20%20%17%15%11%10%9%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)4.30%63.57%16.60%48.11%24.21%-22.04%-36.81%51.29%56.11%35.35%22.76%
Change in YoY Net Profit Growth (%)0.00%59.27%-46.98%31.51%-23.90%-46.25%-14.77%88.10%4.82%-20.76%-12.59%

IIFL Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:14%
5 Years:16%
3 Years:21%
TTM:9%
Compounded Profit Growth
10 Years:20%
5 Years:19%
3 Years:32%
TTM:-41%
Stock Price CAGR
10 Years:16%
5 Years:35%
3 Years:6%
1 Year:2%
Return on Equity
10 Years:17%
5 Years:17%
3 Years:19%
Last Year:18%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 3:33 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 59596263646464767676767685
Reserves 1,9002,0932,4963,2894,3184,6794,2904,6845,3126,3888,91610,56112,019
Deposits0000000000000
Borrowings 9,57510,51614,63915,94824,33034,32626,51727,99632,58336,08640,01747,16140,033
Other Liabilities 1,5701,8462,2213,5665,0495,4262,3681,6172,6963,3603,9934,6223,236
Total Liabilities 13,10414,51419,41822,86633,76144,49533,23934,37340,66745,91053,00262,42055,372
Fixed Assets 465472500533656871369607675775862905928
CWIP 1424106711107276285258
Investments 1,1291,0121,2831,8674,1532,150212770321,1923,5114,0593,839
Other Assets 11,49613,00617,62420,46128,88141,36532,65132,99439,95443,93748,60257,40350,547
Total Assets 13,10414,51419,41822,86633,76144,49533,23934,37340,66745,91053,00262,42055,372

Below is a detailed analysis of the balance sheet data for IIFL Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹85.00 Cr.. The value appears strong and on an upward trend. It has increased from 76.00 Cr. (Mar 2024) to ₹85.00 Cr., marking an increase of 9.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹12,019.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,561.00 Cr. (Mar 2024) to ₹12,019.00 Cr., marking an increase of 1,458.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹40,033.00 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from 47,161.00 Cr. (Mar 2024) to ₹40,033.00 Cr., marking a decrease of 7,128.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹3,236.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,622.00 Cr. (Mar 2024) to ₹3,236.00 Cr., marking a decrease of 1,386.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹55,372.00 Cr.. The value appears to be improving (decreasing). It has decreased from 62,420.00 Cr. (Mar 2024) to ₹55,372.00 Cr., marking a decrease of 7,048.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹928.00 Cr.. The value appears strong and on an upward trend. It has increased from 905.00 Cr. (Mar 2024) to ₹928.00 Cr., marking an increase of 23.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹58.00 Cr.. The value appears strong and on an upward trend. It has increased from 52.00 Cr. (Mar 2024) to ₹58.00 Cr., marking an increase of 6.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹3,839.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,059.00 Cr. (Mar 2024) to ₹3,839.00 Cr., marking a decrease of 220.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹50,547.00 Cr.. The value appears to be declining and may need further review. It has decreased from 57,403.00 Cr. (Mar 2024) to ₹50,547.00 Cr., marking a decrease of 6,856.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹55,372.00 Cr.. The value appears to be declining and may need further review. It has decreased from 62,420.00 Cr. (Mar 2024) to ₹55,372.00 Cr., marking a decrease of 7,048.00 Cr..

However, the Borrowings (40,033.00 Cr.) are higher than the Reserves (₹12,019.00 Cr.), which may signal higher financial risk.

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-1,905-63-2,126-54-4,329-10,4834221,101-3,5871,784-5,225-5,848
Cash from Investing Activity +-33360-361-671-2,602-374562-919236-996-2,716-1,356
Cash from Financing Activity +2,776172,9045259,0948,468201094,4282,7815,3616,042
Net Cash Flow53814417-2002,162-2,3891,0042901,0773,569-2,580-1,162

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow1.001.001.001.00689.002.001.001.002.002.002.003.00

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %15%14%19%17%18%17%16%11%15%20%19%18%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters24.91%24.90%24.89%24.88%24.85%24.84%24.81%24.80%24.78%24.92%24.91%24.90%
FIIs20.66%23.05%25.57%27.79%28.09%28.63%28.31%31.27%29.14%30.31%29.64%27.78%
DIIs1.04%2.71%3.41%3.90%4.04%5.54%7.30%8.27%8.59%7.43%6.25%4.50%
Public53.39%49.34%46.12%43.43%43.01%40.98%39.59%35.67%37.47%37.35%39.19%42.84%
No. of Shareholders63,44977,38673,44667,86867,46865,44067,66083,6761,49,3091,45,0731,58,1331,73,530

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Mirae Asset Banking and Financial Services Fund564,2972.4234.972,9732025-04-0218880.73%
L&T Flexicap Fund - Regular Plan825,0001.234.642,9732025-04-0227649.75%
Nippon India Nifty Smallcap 250 Index Fund118,6180.877.222,9732025-04-023889.84%
Navi Large & Midcap Fund - Regular Plan83,0001.885.052,9732025-04-022691.79%
Motilal Oswal Nifty Smallcap 250 Index Fund72,4810.864.412,9732025-04-022337.98%
Navi Flexi Cap Fund72,0001.844.382,9732025-04-022321.8%
SBI Nifty Smallcap 250 Index Fund56,6280.863.452,9732025-04-021804.74%
Motilal Oswal Nifty 500 Index Fund7,9090.080.482,9732025-04-02166.03%
Edelweiss Nifty Smallcap 250 Index Fund2,9730.860.182,9732025-04-020%
Groww Nifty Total Market Index Fund5270.080.032,9732025-04-02-82.27%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 46.2939.4931.3320.0913.27
Diluted EPS (Rs.) 45.7139.1831.1420.0413.24
Cash EPS (Rs.) 56.4846.2634.5122.8616.10
Book Value[Excl.RevalReserv]/Share (Rs.) 315.97268.16170.44142.37125.96
Book Value[Incl.RevalReserv]/Share (Rs.) 315.97268.16170.44142.37125.96
Revenue From Operations / Share (Rs.) 268.63217.08180.09154.15125.26
PBDIT / Share (Rs.) 173.91144.22122.4698.6285.31
PBIT / Share (Rs.) 169.17140.21119.2695.8382.52
PBT / Share (Rs.) 67.4155.5340.4626.5219.17
Net Profit / Share (Rs.) 51.7442.2531.3020.0813.31
NP After MI And SOA / Share (Rs.) 46.2239.4331.2920.0613.26
PBDIT Margin (%) 64.7466.4367.9963.9768.10
PBIT Margin (%) 62.9764.5866.2162.1765.87
PBT Margin (%) 25.0925.5722.4617.2015.30
Net Profit Margin (%) 19.2619.4617.3813.0210.62
NP After MI And SOA Margin (%) 17.2018.1617.3713.0110.58
Return on Networth / Equity (%) 16.5816.6818.3714.1010.54
Return on Capital Employeed (%) 52.0924.4226.4822.1820.58
Return On Assets (%) 2.822.832.581.861.46
Long Term Debt / Equity (X) 0.001.241.611.972.15
Total Debt / Equity (X) 4.394.405.535.995.67
Asset Turnover Ratio (%) 0.170.110.120.120.09
Current Ratio (X) 1.221.651.541.611.73
Quick Ratio (X) 1.221.651.541.611.73
Dividend Payout Ratio (NP) (%) 10.3311.5711.1814.9316.28
Dividend Payout Ratio (CP) (%) 9.3710.5010.1413.1113.45
Earning Retention Ratio (%) 89.6788.4388.8285.0783.72
Cash Earning Retention Ratio (%) 90.6389.5089.8686.8986.55
Interest Coverage Ratio (X) 1.711.701.551.421.35
Interest Coverage Ratio (Post Tax) (X) 1.511.501.401.291.21
Enterprise Value (Cr.) 56843.7253544.8038394.6238123.8926587.71
EV / Net Operating Revenue (X) 5.556.485.626.535.61
EV / EBITDA (X) 8.579.768.2610.208.24
MarketCap / Net Operating Revenue (X) 1.272.251.581.820.59
Retention Ratios (%) 89.6688.4288.8185.0683.71
Price / BV (X) 1.222.071.671.980.59
Price / Net Operating Revenue (X) 1.272.251.581.820.59
EarningsYield 0.130.080.100.070.17

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 46.29. This value is within the healthy range. It has increased from 39.49 (Mar 23) to 46.29, marking an increase of 6.80.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 45.71. This value is within the healthy range. It has increased from 39.18 (Mar 23) to 45.71, marking an increase of 6.53.
  • For Cash EPS (Rs.), as of Mar 24, the value is 56.48. This value is within the healthy range. It has increased from 46.26 (Mar 23) to 56.48, marking an increase of 10.22.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 315.97. It has increased from 268.16 (Mar 23) to 315.97, marking an increase of 47.81.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 315.97. It has increased from 268.16 (Mar 23) to 315.97, marking an increase of 47.81.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 268.63. It has increased from 217.08 (Mar 23) to 268.63, marking an increase of 51.55.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 173.91. This value is within the healthy range. It has increased from 144.22 (Mar 23) to 173.91, marking an increase of 29.69.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 169.17. This value is within the healthy range. It has increased from 140.21 (Mar 23) to 169.17, marking an increase of 28.96.
  • For PBT / Share (Rs.), as of Mar 24, the value is 67.41. This value is within the healthy range. It has increased from 55.53 (Mar 23) to 67.41, marking an increase of 11.88.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 51.74. This value is within the healthy range. It has increased from 42.25 (Mar 23) to 51.74, marking an increase of 9.49.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 46.22. This value is within the healthy range. It has increased from 39.43 (Mar 23) to 46.22, marking an increase of 6.79.
  • For PBDIT Margin (%), as of Mar 24, the value is 64.74. This value is within the healthy range. It has decreased from 66.43 (Mar 23) to 64.74, marking a decrease of 1.69.
  • For PBIT Margin (%), as of Mar 24, the value is 62.97. This value exceeds the healthy maximum of 20. It has decreased from 64.58 (Mar 23) to 62.97, marking a decrease of 1.61.
  • For PBT Margin (%), as of Mar 24, the value is 25.09. This value is within the healthy range. It has decreased from 25.57 (Mar 23) to 25.09, marking a decrease of 0.48.
  • For Net Profit Margin (%), as of Mar 24, the value is 19.26. This value exceeds the healthy maximum of 10. It has decreased from 19.46 (Mar 23) to 19.26, marking a decrease of 0.20.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 17.20. This value is within the healthy range. It has decreased from 18.16 (Mar 23) to 17.20, marking a decrease of 0.96.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 16.58. This value is within the healthy range. It has decreased from 16.68 (Mar 23) to 16.58, marking a decrease of 0.10.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 52.09. This value is within the healthy range. It has increased from 24.42 (Mar 23) to 52.09, marking an increase of 27.67.
  • For Return On Assets (%), as of Mar 24, the value is 2.82. This value is below the healthy minimum of 5. It has decreased from 2.83 (Mar 23) to 2.82, marking a decrease of 0.01.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 1.24 (Mar 23) to 0.00, marking a decrease of 1.24.
  • For Total Debt / Equity (X), as of Mar 24, the value is 4.39. This value exceeds the healthy maximum of 1. It has decreased from 4.40 (Mar 23) to 4.39, marking a decrease of 0.01.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.17. It has increased from 0.11 (Mar 23) to 0.17, marking an increase of 0.06.
  • For Current Ratio (X), as of Mar 24, the value is 1.22. This value is below the healthy minimum of 1.5. It has decreased from 1.65 (Mar 23) to 1.22, marking a decrease of 0.43.
  • For Quick Ratio (X), as of Mar 24, the value is 1.22. This value is within the healthy range. It has decreased from 1.65 (Mar 23) to 1.22, marking a decrease of 0.43.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 10.33. This value is below the healthy minimum of 20. It has decreased from 11.57 (Mar 23) to 10.33, marking a decrease of 1.24.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 9.37. This value is below the healthy minimum of 20. It has decreased from 10.50 (Mar 23) to 9.37, marking a decrease of 1.13.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 89.67. This value exceeds the healthy maximum of 70. It has increased from 88.43 (Mar 23) to 89.67, marking an increase of 1.24.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 90.63. This value exceeds the healthy maximum of 70. It has increased from 89.50 (Mar 23) to 90.63, marking an increase of 1.13.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.71. This value is below the healthy minimum of 3. It has increased from 1.70 (Mar 23) to 1.71, marking an increase of 0.01.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.51. This value is below the healthy minimum of 3. It has increased from 1.50 (Mar 23) to 1.51, marking an increase of 0.01.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 56,843.72. It has increased from 53,544.80 (Mar 23) to 56,843.72, marking an increase of 3,298.92.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 5.55. This value exceeds the healthy maximum of 3. It has decreased from 6.48 (Mar 23) to 5.55, marking a decrease of 0.93.
  • For EV / EBITDA (X), as of Mar 24, the value is 8.57. This value is within the healthy range. It has decreased from 9.76 (Mar 23) to 8.57, marking a decrease of 1.19.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has decreased from 2.25 (Mar 23) to 1.27, marking a decrease of 0.98.
  • For Retention Ratios (%), as of Mar 24, the value is 89.66. This value exceeds the healthy maximum of 70. It has increased from 88.42 (Mar 23) to 89.66, marking an increase of 1.24.
  • For Price / BV (X), as of Mar 24, the value is 1.22. This value is within the healthy range. It has decreased from 2.07 (Mar 23) to 1.22, marking a decrease of 0.85.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has decreased from 2.25 (Mar 23) to 1.27, marking a decrease of 0.98.
  • For EarningsYield, as of Mar 24, the value is 0.13. This value is below the healthy minimum of 5. It has increased from 0.08 (Mar 23) to 0.13, marking an increase of 0.05.

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 April 4, 2025 is: 550.30

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 April 4, 2025, IIFL Finance Ltd is Undervalued by 63.78% compared to the current share price 336.00

Intrinsic Value of IIFL Finance Ltd as of April 4, 2025 is: 514.01

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 April 4, 2025, IIFL Finance Ltd is Undervalued by 52.98% compared to the current share price 336.00

Last 5 Year EPS CAGR: -6.60%

*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: 19.26%
      • 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: 52.09% (Industry Average ROCE: 18.65%)
      • 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%: 16.58% (Industry Average ROE: 17.36%)
      • 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): 1.51
      • 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: 13.4 (Industry average Stock P/E: 86.07)
      • 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: 4.39
      • 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. 4604.43 Cr. and Equity Capital is Rs. 76.31 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Maharashtra 400604shareholders@iifl.com
https://www.iifl.com
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. Geeta MathurIndependent 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 03 April 2025) is ₹550.30 — 63.78% higher the current market price of ₹336.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 14,269 Cr. market cap, FY2025-2026 high/low of ₹561/280, reserves of 12,019 Cr, and liabilities of 55,372 Cr.

What is the Market Cap of IIFL Finance Ltd?

The Market Cap of IIFL Finance Ltd is 14,269 Cr..

What is the current Stock Price of IIFL Finance Ltd as on 03 April 2025?

The current stock price of IIFL Finance Ltd as on 03 April 2025 is 336.

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 ₹561/280.

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

The Stock P/E of IIFL Finance Ltd is 13.4.

What is the Book Value of IIFL Finance Ltd?

The Book Value of IIFL Finance Ltd is 285.

What is the Dividend Yield of IIFL Finance Ltd?

The Dividend Yield of IIFL Finance Ltd is 1.19 %.

What is the ROCE of IIFL Finance Ltd?

The ROCE of IIFL Finance Ltd is 11.8 %.

What is the ROE of IIFL Finance Ltd?

The ROE of IIFL Finance Ltd is 17.8 %.

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