IIFL Finance Ltd

IIFL Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

IIFL Finance Ltd

₹ 414 0.19%
22 May - close price
indiainfoline.com BSE: 532636 NSE: IIFL
About

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries.
It offers a wide spectrum of products such as Home loan, Gold loan, business loan, microfinance, capital market finance and developer & construction finance, etc.[1]

Key Points

Business Profile
As of FY24, the total AUM stood at Rs. ~76,700 Cr in FY24 vs Rs. ~37,900 Cr in FY20. The company operates ~4,800 branches in FY24 vs ~2,300 branches in FY20. [1][2] It has a customer base of over 80 lakh customers. [3]

Website BSE NSE
  • Market Cap ₹ 17,587 Cr.
  • Current Price ₹ 414
  • High / Low ₹ 561 / 280
  • Stock P/E 177
  • Book Value ₹ 153
  • Dividend Yield 0.97 %
  • ROCE 6.57 %
  • ROE 1.64 %
  • Face Value ₹ 2.00
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Pros

Cons

  • Stock is trading at 2.70 times its book value
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 8.92% over past five years.
  • Company has a low return on equity of 9.11% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE 500 Nifty 500 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,070 963 1,040 985 1,070 1,012 1,057 1,159 1,386 1,012 984 940 1,138
Interest 385 368 353 365 370 388 408 434 473 430 387 433 592
383 362 364 377 361 401 455 519 716 583 572 457 461
Financing Profit 303 233 322 243 339 223 194 205 197 -1 24 50 85
Financing Margin % 28% 24% 31% 25% 32% 22% 18% 18% 14% -0% 2% 5% 7%
10 6 2 1 22 10 18 4 12 3 -582 4 2
Depreciation 29 28 31 32 34 32 32 33 38 33 33 33 37
Profit before tax 284 210 293 212 327 201 181 177 172 -31 -591 21 50
Tax % 19% 25% 25% 25% 18% 25% 24% 25% 4% -27% -25% 24% 23%
231 157 220 159 269 151 137 132 165 -23 -441 16 38
EPS in Rs 5.47 3.72 5.22 3.77 6.37 3.58 3.23 3.11 3.89 -0.53 -10.40 0.38 0.91
Gross NPA % 2.90% 1.59% 1.40% 1.25% 1.29% 1.36% 1.65% 1.43% 3.66% 3.05% 2.93% 2.30%
Net NPA % 1.63% 0.88% 0.64% 0.66% 0.64% 0.70% 0.85% 0.67% 1.90% 1.48% 1.32% 0.91%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
89 110 211 143 260 2,953 2,652 3,415 4,083 4,086 4,631 4,066
Interest 0 4 6 0 5 1,370 1,251 1,559 1,625 1,460 1,718 1,849
6 4 14 2 17 1,060 1,099 1,412 1,408 1,462 2,066 2,059
Financing Profit 83 101 191 141 238 523 303 444 1,050 1,164 846 159
Financing Margin % 93% 92% 90% 99% 91% 18% 11% 13% 26% 28% 18% 4%
0 0 -0 16 10 125 23 74 24 3 19 -573
Depreciation 0 0 0 0 1 24 89 91 106 125 135 137
Profit before tax 83 101 190 157 246 623 237 428 967 1,043 730 -551
Tax % -18% 3% 10% 0% 13% 28% 37% 20% 23% 23% 20% -26%
98 98 172 157 215 451 149 343 745 805 585 -410
EPS in Rs 2.97 2.85 4.89 4.44 6.06 12.72 3.54 8.14 17.67 19.06 13.80 -9.65
Dividend Payout % 91% 95% 78% 91% 74% 35% 57% 33% 18% 19% 26% 0%
Compounded Sales Growth
10 Years: 43%
5 Years: 9%
3 Years: 0%
TTM: -12%
Compounded Profit Growth
10 Years: 0%
5 Years: -7%
3 Years: -49%
TTM: -83%
Stock Price CAGR
10 Years: 18%
5 Years: 46%
3 Years: 10%
1 Year: 4%
Return on Equity
10 Years: 10%
5 Years: 11%
3 Years: 9%
Last Year: 2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 59 62 63 64 64 64 76 76 76 76 76 85
Reserves 1,264 1,338 1,413 1,436 1,419 3,479 3,532 3,745 4,351 5,039 5,520 6,422
Borrowing 0 50 50 50 0 13,031 14,642 16,605 16,574 17,733 20,393 24,875
2 19 14 21 18 1,222 1,100 1,785 2,136 1,236 1,599 732
Total Liabilities 1,325 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,588 32,115
1 1 1 2 3 354 554 640 722 773 794 1,344
CWIP 0 0 2 0 0 6 2 7 6 27 52 22
Investments 1,266 1,378 1,417 1,522 1,419 1,305 1,959 1,204 2,449 3,780 5,157 5,458
58 90 120 47 79 16,130 16,836 20,360 19,960 19,504 21,585 25,290
Total Assets 1,325 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,588 32,115

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-381 125 99 87 55 2,539 109 -795 3,556 -1,756 -1,556 -5,310
339 -112 -41 52 177 362 -722 459 -927 -1,468 -2,055 -675
-84 28 -96 -134 -217 -2,488 805 1,782 -324 631 2,711 5,649
Net Cash Flow -126 41 -38 6 15 414 192 1,446 2,305 -2,594 -900 -336

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 7% 7% 12% 11% 14% 15% 4% 8% 18% 17% 11% 2%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
24.90% 24.89% 24.88% 24.85% 24.84% 24.81% 24.80% 24.78% 24.92% 24.91% 24.90% 24.90%
23.05% 25.57% 27.79% 28.09% 28.63% 28.31% 31.27% 29.14% 30.31% 29.64% 27.78% 28.03%
2.71% 3.41% 3.90% 4.04% 5.54% 7.30% 8.27% 8.59% 7.43% 6.25% 4.50% 5.54%
49.34% 46.12% 43.43% 43.01% 40.98% 39.59% 35.67% 37.47% 37.35% 39.19% 42.84% 41.54%
No. of Shareholders 77,38673,44667,86867,46865,44067,66083,6761,49,3091,45,0731,58,1331,73,5301,69,374

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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