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IIFL Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹467.41Overvalued by 32.84%vs CMP ₹696.00

P/E (14.1) × ROE (12.6%) × BV (₹327.00) × DY (0.57%)

₹389.55Overvalued by 44.03%vs CMP ₹696.00
MoS: -78.7% (Negative)Confidence: 65/100 (Moderate)Models: All 8: Overvalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹473.8724%Over (-31.9%)
Graham NumberEarnings₹471.0617%Over (-32.3%)
Earnings PowerEarnings₹293.1611%Over (-57.9%)
DCFCash Flow₹395.3714%Over (-43.2%)
Net Asset ValueAssets₹327.048%Over (-53%)
EV/EBITDAEnterprise₹44.409%Over (-93.6%)
Earnings YieldEarnings₹301.608%Over (-56.7%)
ROCE CapitalReturns₹604.489%Over (-13.1%)
Consensus (8 models)₹389.55100%Overvalued
Key Drivers: Wide model spread (₹44–₹604) — high uncertainty.

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

*Investments are subject to market risks

Analyst Summary

IIFL Finance Ltd operates in the Finance & Investments segment, NSE: IIFL | BSE: 532636, current market price is ₹696.00, market cap is 29,624 Cr.. At a glance, stock P/E is 14.1, ROE is 12.6 %, ROCE is 10.9 %, book value is 327, dividend yield is 0.57 %. The latest intrinsic value estimate is ₹389.55, around 44.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹10,234 Cr versus the prior period change of -2.3%, while latest net profit is about ₹578 Cr with a prior-period change of -70.7%. The 52-week range shown on this page is 705/409, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisIIFL 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 L671…

This summary is generated from the stock page data available for IIFL Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

57
IIFL Finance Ltd scores 57/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health63/100 · Moderate
ROCE 10.9% AverageROE 12.6% GoodD/E 5.99 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money20/100 · Weak
FII holding down -2.91% (6mo) SellingDII holding down 1.63% MF sellingPromoter holding at 24.8% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +91% YoY Strong
Industry Rank65/100 · Strong
P/E 14.1 vs industry 37.1 Cheaper than peersROCE 10.9% vs industry 9.5% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: August 25, 2026, 6:56 am

Market Cap 29,624 Cr.
Current Price 696
Intrinsic Value₹389.55
High / Low 705/409
Stock P/E14.1
Book Value 327
Dividend Yield0.57 %
ROCE10.9 %
ROE12.6 %
Face Value 2.00
PEG Ratio10.20

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

View Share Price Target for IIFL Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
IIFL Finance Ltd 29,624 Cr. 696 705/40914.1 3270.57 %10.9 %12.6 % 2.00
Cholamandalam Financial Holdings Ltd 29,075 Cr. 1,548 2,064/1,30510.9 8230.08 %9.75 %17.5 % 1.00
Angel One Ltd 26,131 Cr. 286 360/20925.3 67.21.42 %14.8 %15.6 % 1.00
Piramal Enterprises Ltd 25,483 Cr. 1,124 1,198/1,05549.0 1,2020.98 %6.78 %1.63 % 2.00
Manappuram Finance Ltd 34,290 Cr. 365 382/24523.7 1710.55 %8.25 %6.97 % 2.00
Industry Average20,715.38 Cr1,282.3637.083,242.000.41%9.49%24.01%6.58

All Competitor Stocks of IIFL Finance Ltd

Quarterly Result

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

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

Quarterly Chart

Profit & Loss - Annual Report

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

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

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)63.57%16.60%48.11%24.21%-22.04%-36.81%51.29%56.11%35.35%22.76%-70.72%
Change in YoY Net Profit Growth (%)0.00%-46.98%31.51%-23.90%-46.25%-14.77%88.10%4.82%-20.76%-12.59%-93.48%

IIFL Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:11%
5 Years:16%
3 Years:14%
TTM:-1%
Compounded Profit Growth
10 Years:2%
5 Years:2%
3 Years:-22%
TTM:-52%
Stock Price CAGR
10 Years:18%
5 Years:39%
3 Years:10%
1 Year:-8%
Return on Equity
10 Years:15%
5 Years:14%
3 Years:13%
Last Year:5%

Last Updated: September 5, 2025, 6:55 am

Balance Sheet

Last Updated: July 2, 2026, 4:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 626364646476767676768585
Reserves 2,4963,2894,3184,6794,2904,6845,3126,3888,91610,56112,32713,835
Borrowing14,63915,94824,33034,32626,51727,99632,58336,08640,01747,13651,53369,698
Other Liabilities 2,2213,5665,0495,4262,3681,6172,6963,3603,9934,6303,6995,441
Total Liabilities 19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64489,059
Fixed Assets 5005336568713696076757758629051,4871,514
CWIP 1067111072762852236
Investments 1,2831,8674,1532,150212770321,1923,5114,0594,4386,092
Other Assets 17,62420,46128,88141,36532,65132,99439,95443,93748,60257,38761,69681,447
Total Assets 19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64489,059

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -2,126-54-4,329-10,4834221,101-3,5871,784-5,225-8,716-4,781-13,976
Cash from Investing Activity + -361-671-2,602-374562-919236-996-2,716468-1,149-2,606
Cash from Financing Activity + 2,9045259,0948,468201094,4282,7815,3617,0885,52617,843
Net Cash Flow 417-2002,162-2,3891,0042901,0773,569-2,580-1,160-4031,262
Free Cash Flow -2,211-131-4,343-10,6543551,052-3,6211,684-5,484-8,804-4,839-14,056
CFO/OP -83%8%-165%-237%20%42%-88%45%-90%-121%-77%-162%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.00-13.00-14.00665.00-32.00-25.00-26.00-30.00-34.00-38.00-44.00-47.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

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

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 24.81%24.80%24.78%24.92%24.91%24.90%24.90%24.86%24.86%24.85%24.84%24.84%
FIIs 28.31%31.27%29.14%30.31%29.64%27.78%28.03%26.62%26.77%27.77%28.16%23.86%
DIIs 7.30%8.27%8.59%7.43%6.25%4.50%5.54%8.09%9.13%9.16%7.09%7.50%
Public 39.59%35.67%37.47%37.35%39.19%42.84%41.54%40.41%39.23%38.20%39.92%43.80%
No. of Shareholders 67,66083,6761,49,3091,45,0731,58,1331,73,5301,69,3741,49,2471,42,8081,34,2741,24,5431,27,688

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

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

ROCE Trend

EPS Trend

Key Financial Ratios

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

[display_about_company_data title=”About the Company – Qualitative Analysis”]

FAQ

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

As of 04 September 2026, IIFL Finance Ltd's intrinsic value is ₹389.55, which is 44.03% lower than the current market price of ₹696.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (12.6 %), book value (₹327), dividend yield (0.57 %), and 5-year EPS CAGR.

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

IIFL Finance Ltd is trading at ₹696.00 as of 04 September 2026, with a FY2026-2027 high of ₹705 and low of ₹409. The stock is currently near its 52-week high. Market cap stands at ₹29,624 Cr..

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

IIFL Finance Ltd has a P/E ratio of 14.1, which is below the industry average of 37.08. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is IIFL Finance Ltd financially healthy?

Key indicators for IIFL Finance Ltd: ROCE of 10.9 % is moderate. Dividend yield is 0.57 %.

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

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

Does IIFL Finance Ltd pay dividends?

IIFL Finance Ltd has a dividend yield of 0.57 % at the current price of ₹696.00. The company pays dividends, though the yield is modest.

Last Updated: August 25, 2026, 6:56 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532636 | NSE: IIFL
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IIFL Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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