IIFL Finance Ltd

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

₹ 600 -0.05%
06 Oct 4:01 p.m.
iifl.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 offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.[1]

Key Points

Business Profile[1][2]
As of 9MFY26, the total AUM stood at Rs. ~98,336 Cr vs Rs. ~71,410 Cr in 9MFY25. The company operates 4,761 branches in 9MFY26 and has a customer base of over 4.6 million.
Retail loans (ticket size less than Rs 1 Cr) accounted for 98% of the consolidated AUM as on 9MFY26.[3]

Website BSE NSE
  • Market Cap ₹ 25,645 Cr.
  • Current Price ₹ 600
  • High / Low ₹ 705 / 409
  • Stock P/E 17.2
  • Book Value ₹ 178
  • Dividend Yield 0.66 %
  • ROCE 12.2 %
  • ROE 16.4 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company's median sales growth is 16.4% of last 10 years

Cons

  • Stock is trading at 3.37 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.7% over last 3 years.
  • Dividend payout has been low at 13.6% of profits 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 400 MidSmallCap Index BSE 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
1,012 1,057 1,159 1,386 1,019 984 940 1,138 1,479 1,763 1,951 2,283 2,344
Interest 388 408 434 473 437 387 433 592 701 758 829 985 1,037
401 455 519 716 583 572 457 461 571 689 684 609 651
Financing Profit 223 194 205 197 -1 24 50 85 206 315 439 689 656
Financing Margin % 22% 18% 18% 14% -0% 2% 5% 7% 14% 18% 22% 30% 28%
10 18 4 12 3 -582 4 2 6 4 5 4 0
Depreciation 32 32 33 38 33 33 33 37 34 36 41 52 51
Profit before tax 201 181 177 172 -31 -591 21 50 178 284 403 641 605
Tax % 25% 24% 25% 4% -27% -25% 24% 23% 26% 26% 25% 21% 23%
151 137 132 165 -23 -441 16 38 133 211 301 509 467
EPS in Rs 3.58 3.23 3.11 3.89 -0.53 -10.40 0.38 0.91 3.12 4.96 7.08 11.97 10.98
Gross NPA % 1.36% 1.65% 1.43% 3.66% 3.05% 2.93% 2.30% 1.88% 1.70% 1.43% 1.47% 1.15% 1.27%
Net NPA % 0.70% 0.85% 0.67% 1.90% 1.48% 1.32% 0.91% 0.69% 0.58% 0.53% 0.74% 0.60% 0.71%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
110 211 143 260 2,953 2,652 3,415 4,083 4,086 4,631 4,080 7,464 8,342
Interest 4 6 0 5 1,370 1,251 1,559 1,625 1,460 1,703 1,849 3,275 3,609
4 14 2 17 1,060 1,099 1,412 1,408 1,462 2,082 2,058 2,523 2,634
Financing Profit 101 191 141 238 523 303 444 1,050 1,164 846 173 1,666 2,100
Financing Margin % 92% 90% 99% 91% 18% 11% 13% 26% 28% 18% 4% 22% 25%
0 -0 16 10 125 23 74 24 3 18 -586 4 13
Depreciation 0 0 0 1 24 89 91 106 125 135 137 163 180
Profit before tax 101 190 157 246 623 237 428 967 1,043 730 -551 1,506 1,933
Tax % 3% 10% 0% 13% 28% 37% 20% 23% 23% 20% -26% 23%
98 172 157 215 451 149 343 745 805 585 -410 1,154 1,488
EPS in Rs 2.85 4.89 4.44 6.06 12.72 3.54 8.14 17.67 19.06 13.80 -9.65 27.12 34.99
Dividend Payout % 95% 78% 91% 74% 35% 57% 33% 18% 19% 26% 0% 15%
Compounded Sales Growth
10 Years: 43%
5 Years: 17%
3 Years: 22%
TTM: 84%
Compounded Profit Growth
10 Years: 21%
5 Years: 31%
3 Years: 13%
TTM: 395%
Stock Price CAGR
10 Years: 17%
5 Years: 16%
3 Years: -1%
1 Year: 28%
Return on Equity
10 Years: 12%
5 Years: 13%
3 Years: 11%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 62 63 64 64 64 76 76 76 76 76 85 85
Reserves 1,338 1,413 1,436 1,419 3,479 3,532 3,745 4,351 5,039 5,520 6,422 7,476
Borrowing 50 50 50 0 13,031 14,642 16,605 16,574 17,733 20,368 24,875 39,157
19 14 21 18 1,222 1,100 1,785 2,136 1,236 1,607 732 2,916
Total Liabilities 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,571 32,115 49,634
1 1 2 3 354 554 640 722 773 794 1,343 1,386
CWIP 0 2 0 0 6 2 7 6 27 52 23 6
Investments 1,378 1,417 1,522 1,419 1,305 1,959 1,204 2,449 3,780 5,157 5,458 5,844
90 120 47 79 16,130 16,836 20,360 19,960 19,504 21,569 25,290 42,398
Total Assets 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,571 32,115 49,634

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
125 99 87 55 2,539 109 -795 3,556 -1,756 -3,303 -4,791 -13,221
-112 -41 52 177 362 -722 459 -927 -1,468 -337 -1,250 -271
28 -96 -134 -217 -2,488 805 1,782 -324 631 2,742 5,706 14,286
Net Cash Flow 41 -38 6 15 414 192 1,446 2,305 -2,594 -898 -336 794
Free Cash Flow 125 97 87 54 2,488 67 -825 3,473 -1,845 -3,346 -4,818 -13,290
CFO/OP 119% 58% 60% 36% 141% 13% -33% 139% -63% -124% -234% -263%

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 7% 12% 11% 14% 15% 4% 8% 18% 17% 11% 4% 16%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross NPA % (Consolidated)
%

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Microfinance AUM (Samasta subsidiary)
INR Cr
Onboarding Average Ticket Size - Gold Loan (Standalone)
INR '000
Consolidated Loan AUM
INR Cr
Gold Loan AUM (Standalone)
INR Cr
Branch Network (Consolidated)
count
Home Loan AUM (HFC subsidiary)
INR Cr
Off-book AUM as % of Total AUM (Consolidated)
%
Co-lending AUM (Consolidated)
INR Cr

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Shareholding Pattern

Numbers in percentages

3 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
24.81% 24.80% 24.78% 24.92% 24.91% 24.90% 24.90% 24.86% 24.86% 24.85% 24.84% 24.84%
28.31% 31.27% 29.14% 30.31% 29.64% 27.78% 28.03% 26.62% 26.77% 27.77% 28.16% 23.86%
7.30% 8.27% 8.59% 7.43% 6.25% 4.50% 5.54% 8.09% 9.13% 9.16% 7.09% 7.50%
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

* 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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