IIFL Finance Ltd
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]
- Market Cap ₹ 17,407 Cr.
- Current Price ₹ 411
- High / Low ₹ 684 / 304
- Stock P/E 25.3
- Book Value ₹ 128
- Dividend Yield 0.97 %
- ROCE 11.4 %
- ROE 16.8 %
- Face Value ₹ 2.00
Pros
- Company has delivered good profit growth of 30.1% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 23.3%
- Company's median sales growth is 19.6% of last 10 years
Cons
- Stock is trading at 3.20 times its book value
- Company has low interest coverage ratio.
* 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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
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Revenue | 624 | 550 | 89 | 110 | 211 | 143 | 260 | 2,953 | 2,652 | 3,415 | 4,083 | 4,084 | 4,303 |
Interest | 42 | 22 | 0 | 4 | 6 | 0 | 5 | 1,370 | 1,251 | 1,559 | 1,625 | 1,460 | 1,602 |
491 | 409 | 6 | 4 | 14 | 2 | 17 | 1,060 | 1,099 | 1,412 | 1,408 | 1,462 | 1,739 | |
Financing Profit | 91 | 119 | 83 | 101 | 191 | 141 | 238 | 523 | 303 | 444 | 1,050 | 1,163 | 962 |
Financing Margin % | 15% | 22% | 93% | 92% | 90% | 99% | 91% | 18% | 11% | 13% | 26% | 28% | 22% |
15 | 1 | 0 | 0 | -0 | 16 | 10 | 125 | 23 | 74 | 24 | 5 | 54 | |
Depreciation | 31 | 13 | 0 | 0 | 0 | 0 | 1 | 24 | 89 | 91 | 106 | 125 | 131 |
Profit before tax | 75 | 107 | 83 | 101 | 190 | 157 | 246 | 623 | 237 | 428 | 967 | 1,043 | 885 |
Tax % | 15% | 10% | -18% | 3% | 10% | 0% | 13% | 28% | 37% | 20% | 23% | 23% | |
63 | 96 | 98 | 98 | 172 | 157 | 215 | 451 | 149 | 343 | 745 | 805 | 689 | |
EPS in Rs | 1.97 | 2.92 | 2.97 | 2.85 | 4.89 | 4.44 | 6.06 | 12.72 | 3.54 | 8.14 | 17.67 | 19.06 | 16.29 |
Dividend Payout % | 68% | 92% | 91% | 95% | 78% | 91% | 74% | 35% | 57% | 33% | 18% | 19% |
Compounded Sales Growth | |
---|---|
10 Years: | 22% |
5 Years: | 74% |
3 Years: | 15% |
TTM: | 6% |
Compounded Profit Growth | |
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10 Years: | 24% |
5 Years: | 30% |
3 Years: | 77% |
TTM: | -10% |
Stock Price CAGR | |
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10 Years: | 28% |
5 Years: | 15% |
3 Years: | 20% |
1 Year: | -8% |
Return on Equity | |
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10 Years: | 12% |
5 Years: | 13% |
3 Years: | 15% |
Last Year: | 17% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 58 | 59 | 59 | 62 | 63 | 64 | 64 | 64 | 76 | 76 | 76 | 76 | 76 |
Reserves | 1,219 | 1,251 | 1,264 | 1,338 | 1,413 | 1,436 | 1,419 | 3,479 | 3,532 | 3,745 | 4,351 | 5,039 | 5,352 |
17 | 0 | 0 | 50 | 50 | 50 | 0 | 13,031 | 14,642 | 16,605 | 16,574 | 17,733 | 17,001 | |
951 | 753 | 2 | 19 | 14 | 21 | 18 | 1,222 | 1,100 | 1,785 | 2,136 | 1,235 | 1,732 | |
Total Liabilities | 2,245 | 2,063 | 1,325 | 1,469 | 1,540 | 1,571 | 1,501 | 17,795 | 19,350 | 22,211 | 23,136 | 24,082 | 24,160 |
26 | 15 | 1 | 1 | 1 | 2 | 3 | 354 | 554 | 640 | 722 | 773 | 723 | |
CWIP | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 6 | 2 | 7 | 6 | 27 | 35 |
Investments | 1,209 | 1,292 | 1,266 | 1,378 | 1,417 | 1,522 | 1,419 | 1,305 | 1,959 | 1,204 | 2,449 | 3,780 | 3,653 |
1,010 | 755 | 58 | 90 | 120 | 47 | 79 | 16,130 | 16,836 | 20,360 | 19,960 | 19,503 | 19,750 | |
Total Assets | 2,245 | 2,063 | 1,325 | 1,469 | 1,540 | 1,571 | 1,501 | 17,795 | 19,350 | 22,211 | 23,136 | 24,082 | 24,160 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
429 | 51 | -381 | 125 | 99 | 87 | 55 | 2,539 | 109 | -795 | 3,556 | -2,081 | |
-72 | -67 | 339 | -112 | -41 | 52 | 177 | 362 | -722 | 459 | -927 | -1,384 | |
-526 | -88 | -84 | 28 | -96 | -134 | -217 | -2,488 | 805 | 1,782 | -324 | 870 | |
Net Cash Flow | -169 | -104 | -126 | 41 | -38 | 6 | 15 | 414 | 192 | 1,446 | 2,305 | -2,595 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 4% | 7% | 7% | 7% | 12% | 11% | 14% | 15% | 4% | 8% | 18% | 17% |
Documents
Announcements
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Commencement Of Special Audit As Directed By RBI
1d - Company has informed the Exchange regarding commencement of Special Audit as directed by RBI.
- Outcome Of The Board Meeting Held On April 17, 2024 - Record Date For Rights Issue 17 Apr
- Board Meeting Outcome for Outcome Of The Board Meeting Held On April 17, 2024 17 Apr
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Compliance Certificate Under Regulation 7(3) Of The SEBI (LODR) Regulations, 2015
16 Apr - Company has informed the exchanges about the Compliance Certificate under Regulation 7(3) of SEBI (LODR) Regulation, 2015, for the financial year ended March 31, 2024.
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Announcement under Regulation 30 (LODR)-Credit Rating
13 Apr - Revision in Credit Rating of CARE Ratings Limited
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Financial Year 2010
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Concalls
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Mar 2024TranscriptPPT
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Ratios Q1FY22
Capital Adequacy Ratio - 25.6%[1]
Net Interest Margin - 6.6%[2]
Gross NPA - 2.2%
Net NPA - 1%[1]