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

₹ 585 -4.54%
21 Oct - close price
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 ₹ 24,960 Cr.
  • Current Price ₹ 585
  • High / Low ₹ 705 / 409
  • Stock P/E 10.0
  • Book Value ₹ 362
  • Dividend Yield 0.68 %
  • ROCE 10.9 %
  • ROE 12.6 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.5% over last 3 years.
  • Dividend payout has been low at 6.30% 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 Nifty MidSmallcap 400 BSE 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
2,478 2,649 2,854 2,621 2,556 2,443 2,591 2,953 3,305 3,427 3,692 3,919 4,246
Interest 932 985 1,063 1,042 963 996 1,169 1,289 1,382 1,437 1,610 1,719 1,909
877 948 1,255 1,109 1,105 1,307 1,065 1,267 1,323 1,280 1,194 1,211 1,203
Financing Profit 670 715 536 470 488 140 357 397 600 710 889 989 1,135
Financing Margin % 27% 27% 19% 18% 19% 6% 14% 13% 18% 21% 24% 25% 27%
57 46 68 12 -582 6 3 6 4 5 7 3 2
Depreciation 43 45 50 46 46 46 51 47 47 53 64 63 63
Profit before tax 684 716 554 436 -140 101 309 356 557 663 833 929 1,074
Tax % 23% 24% 22% 22% -33% 19% 19% 23% 25% 24% 25% 23% 25%
526 545 431 338 -93 82 251 274 418 501 623 713 805
EPS in Rs 11.20 11.58 8.81 6.79 -3.72 0.96 4.89 5.49 8.86 10.92 13.80 15.87 17.96
Gross NPA % 1.84% 1.71% 2.32% 2.25% 2.35% 2.42% 2.23% 2.34% 2.14% 1.60% 1.46% 1.55%
Net NPA % 1.02% 0.87% 1.20% 1.11% 1.06% 1.01% 1.05% 1.13% 1.02% 0.75% 0.73% 0.82%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
3,551 3,952 3,163 6,405 4,978 4,847 5,968 6,991 8,444 10,472 10,233 13,366 15,286
Interest 1,445 1,690 1,786 2,730 2,593 2,413 2,638 3,011 3,245 3,896 4,196 5,736 6,675
1,319 1,362 689 2,221 1,435 1,682 2,239 2,355 2,936 3,842 4,559 5,018 4,887
Financing Profit 787 900 689 1,454 950 752 1,090 1,625 2,263 2,734 1,478 2,612 3,723
Financing Margin % 22% 23% 22% 23% 19% 16% 18% 23% 27% 26% 14% 20% 24%
-4 8 375 61 212 79 20 32 2 18 -583 7 17
Depreciation 59 66 16 67 32 106 106 122 153 181 189 211 243
Profit before tax 724 843 1,048 1,448 1,130 725 1,005 1,536 2,113 2,572 707 2,409 3,498
Tax % 34% 34% 22% 30% 30% 31% 24% 23% 24% 23% 18% 25%
476 555 822 1,021 796 503 761 1,188 1,608 1,974 578 1,817 2,643
EPS in Rs 12.98 14.53 19.42 22.42 22.40 11.94 18.06 28.16 35.49 41.60 8.92 39.05 58.55
Dividend Payout % 21% 26% 21% 20% 20% 17% 15% 11% 10% 9% 0% 10%
Compounded Sales Growth
10 Years: 13%
5 Years: 18%
3 Years: 17%
TTM: 35%
Compounded Profit Growth
10 Years: 12%
5 Years: 17%
3 Years: 3%
TTM: 191%
Stock Price CAGR
10 Years: 17%
5 Years: 15%
3 Years: -2%
1 Year: 17%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 12%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 62 63 64 64 64 76 76 76 76 76 85 85 85
Reserves 2,496 3,289 4,318 4,679 4,290 4,684 5,312 6,388 8,916 10,561 12,327 13,835 15,347
Borrowing 14,639 15,948 24,330 34,326 26,517 27,996 32,583 36,086 40,017 47,136 51,068 69,176 84,360
2,221 3,566 5,049 5,426 2,368 1,617 2,696 3,360 3,993 4,630 4,164 5,891 4,681
Total Liabilities 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,403 67,644 88,987 104,474
500 533 656 871 369 607 675 775 862 905 1,487 1,514 1,583
CWIP 10 6 71 110 7 2 7 6 28 52 23 6 15
Investments 1,283 1,867 4,153 2,150 212 770 32 1,192 3,511 4,059 4,438 6,092 6,183
17,624 20,461 28,881 41,365 32,651 32,994 39,954 43,937 48,602 57,387 61,696 81,375 96,693
Total Assets 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,403 67,644 88,987 104,474

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,126 -54 -4,329 -10,483 422 1,101 -3,587 1,784 -5,225 -8,716 -4,781 -13,976
-361 -671 -2,602 -374 562 -919 236 -996 -2,716 468 -1,149 -2,606
2,904 525 9,094 8,468 20 109 4,428 2,781 5,361 7,088 5,526 17,843
Net Cash Flow 417 -200 2,162 -2,389 1,004 290 1,077 3,569 -2,580 -1,160 -403 1,262
Free Cash Flow -2,211 -131 -4,343 -10,654 355 1,052 -3,621 1,684 -5,484 -8,804 -4,839 -14,056

Ratios

Consolidated / View Standalone

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 % 19% 17% 18% 17% 16% 11% 15% 20% 19% 18% 5% 13%

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 ・Standalone data
Onboarding Average Ticket Size - Gold Loan (Standalone)
INR '000 ・Standalone data
Consolidated Loan AUM
INR Cr
Gold Loan AUM (Standalone)
INR Cr ・Standalone data
Branch Network (Consolidated)
count
Home Loan AUM (HFC subsidiary)
INR Cr ・Standalone data
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
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
24.80% 24.78% 24.92% 24.91% 24.90% 24.90% 24.86% 24.86% 24.85% 24.84% 24.84% 24.76%
31.27% 29.14% 30.31% 29.64% 27.78% 28.03% 26.62% 26.77% 27.77% 28.16% 23.86% 25.63%
8.27% 8.59% 7.43% 6.25% 4.50% 5.54% 8.09% 9.13% 9.16% 7.09% 7.50% 7.85%
35.67% 37.47% 37.35% 39.19% 42.84% 41.54% 40.41% 39.23% 38.20% 39.92% 43.80% 41.75%
No. of Shareholders 83,6761,49,3091,45,0731,58,1331,73,5301,69,3741,49,2471,42,8081,34,2741,24,5431,27,6881,22,889

* 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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