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 ₹ 17,727 Cr.
- Current Price ₹ 418
- High / Low ₹ 684 / 304
- Stock P/E 9.83
- Book Value ₹ 234
- Dividend Yield 0.96 %
- ROCE 11.5 %
- ROE 19.4 %
- Face Value ₹ 2.00
Pros
Cons
- 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 1,879 | 2,658 | 2,822 | 3,551 | 3,952 | 3,163 | 6,405 | 4,978 | 4,847 | 5,968 | 6,991 | 8,412 | 9,604 |
Interest | 515 | 1,000 | 1,169 | 1,445 | 1,690 | 1,786 | 2,730 | 2,593 | 2,413 | 2,638 | 3,011 | 3,245 | 3,669 |
1,091 | 1,181 | 1,178 | 1,319 | 1,362 | 689 | 2,221 | 1,435 | 1,682 | 2,239 | 2,355 | 2,936 | 3,421 | |
Financing Profit | 273 | 477 | 475 | 787 | 900 | 689 | 1,454 | 950 | 752 | 1,090 | 1,625 | 2,231 | 2,514 |
Financing Margin % | 14% | 18% | 17% | 22% | 23% | 22% | 23% | 19% | 16% | 18% | 23% | 27% | 26% |
7 | 7 | 13 | -4 | 8 | 375 | 61 | 212 | 79 | 20 | 32 | 34 | 271 | |
Depreciation | 80 | 84 | 68 | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 172 |
Profit before tax | 200 | 400 | 420 | 724 | 843 | 1,048 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,612 |
Tax % | 32% | 30% | 31% | 34% | 34% | 22% | 30% | 30% | 31% | 24% | 23% | 24% | |
136 | 279 | 291 | 476 | 555 | 822 | 1,021 | 796 | 503 | 761 | 1,188 | 1,608 | 2,001 | |
EPS in Rs | 4.24 | 8.30 | 8.45 | 12.98 | 14.53 | 19.42 | 22.42 | 22.40 | 11.94 | 18.06 | 28.16 | 35.49 | 42.60 |
Dividend Payout % | 32% | 33% | 32% | 21% | 26% | 21% | 20% | 20% | 17% | 15% | 11% | 10% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 6% |
3 Years: | 20% |
TTM: | 21% |
Compounded Profit Growth | |
---|---|
10 Years: | 19% |
5 Years: | 14% |
3 Years: | 44% |
TTM: | 28% |
Stock Price CAGR | |
---|---|
10 Years: | 28% |
5 Years: | 16% |
3 Years: | 20% |
1 Year: | -9% |
Return on Equity | |
---|---|
10 Years: | 17% |
5 Years: | 17% |
3 Years: | 18% |
Last Year: | 19% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 1,696 | 1,900 | 2,093 | 2,496 | 3,289 | 4,318 | 4,679 | 4,290 | 4,684 | 5,312 | 6,388 | 8,916 | 9,835 |
5,982 | 9,575 | 10,516 | 14,639 | 15,948 | 24,330 | 34,326 | 26,517 | 27,996 | 32,583 | 36,086 | 40,017 | 40,768 | |
1,763 | 1,570 | 1,846 | 2,221 | 3,566 | 5,049 | 5,426 | 2,368 | 1,617 | 2,696 | 3,360 | 3,991 | 4,668 | |
Total Liabilities | 9,499 | 13,104 | 14,514 | 19,418 | 22,866 | 33,761 | 44,495 | 33,239 | 34,373 | 40,667 | 45,910 | 53,001 | 55,346 |
512 | 465 | 472 | 500 | 533 | 656 | 871 | 369 | 607 | 675 | 775 | 862 | 831 | |
CWIP | 11 | 14 | 24 | 10 | 6 | 71 | 110 | 7 | 2 | 7 | 6 | 27 | 35 |
Investments | 685 | 1,129 | 1,012 | 1,283 | 1,867 | 4,153 | 2,150 | 212 | 770 | 32 | 1,192 | 3,511 | 3,086 |
8,291 | 11,496 | 13,006 | 17,624 | 20,461 | 28,881 | 41,365 | 32,651 | 32,994 | 39,954 | 43,937 | 48,600 | 51,395 | |
Total Assets | 9,499 | 13,104 | 14,514 | 19,418 | 22,866 | 33,761 | 44,495 | 33,239 | 34,373 | 40,667 | 45,910 | 53,001 | 55,346 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1,853 | -1,905 | -63 | -2,126 | -54 | -4,329 | -10,483 | 422 | 1,101 | -3,587 | 1,784 | -4,941 | |
-620 | -333 | 60 | -361 | -671 | -2,602 | -374 | 562 | -919 | 236 | -996 | -2,730 | |
2,503 | 2,776 | 17 | 2,904 | 525 | 9,094 | 8,468 | 20 | 109 | 4,428 | 2,781 | 5,090 | |
Net Cash Flow | 30 | 538 | 14 | 417 | -200 | 2,162 | -2,389 | 1,004 | 290 | 1,077 | 3,569 | -2,581 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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 % | 8% | 15% | 14% | 19% | 17% | 18% | 17% | 16% | 11% | 15% | 20% | 19% |
Documents
Announcements
- Certificate Under Regulation 40(9) And Regulation 61(4) Of SEBI (LODR) Regulations, 2015 For The Financial Year Ended March 31, 2024. 7h
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Commencement Of Special Audit As Directed By RBI
2d - 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.
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 2017
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Financial Year 2016
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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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Ratios Q1FY22
Capital Adequacy Ratio - 25.6%[1]
Net Interest Margin - 6.6%[2]
Gross NPA - 2.2%
Net NPA - 1%[1]