IIFL Finance Ltd

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

IIFL Finance Ltd

₹ 438 1.70%
01 Apr - 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 ₹ 18,617 Cr.
  • Current Price ₹ 438
  • High / Low ₹ 675 / 306
  • Stock P/E 14.5
  • Book Value ₹ 305
  • Dividend Yield 0.91 %
  • ROCE 8.81 %
  • ROE 4.90 %
  • Face Value ₹ 2.00
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.1% over last 3 years.
  • Dividend payout has been low at 6.27% 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 500 Nifty 500 Nifty Smallcap 100 Nifty Alpha 50 BSE Allcap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
2,121 2,187 2,301 2,478 2,649 2,854 2,621 2,556 2,443 2,591 2,953 3,305 3,427
Interest 809 861 888 932 985 1,063 1,042 963 996 1,169 1,289 1,382 1,437
740 779 822 877 948 1,255 1,109 1,105 1,307 1,065 1,267 1,323 1,280
Financing Profit 571 547 591 670 715 536 470 488 140 357 397 600 710
Financing Margin % 27% 25% 26% 27% 27% 19% 18% 19% 6% 14% 13% 18% 21%
24 89 69 57 46 68 12 -582 6 3 6 4 5
Depreciation 39 42 42 43 45 50 46 46 46 51 47 47 53
Profit before tax 555 594 618 684 716 554 436 -140 101 309 356 557 663
Tax % 24% 23% 24% 23% 24% 22% 22% -33% 19% 19% 23% 25% 24%
423 458 473 526 545 431 338 -93 82 251 274 418 501
EPS in Rs 8.96 9.76 10.06 11.20 11.58 8.81 6.79 -3.72 0.96 4.89 5.49 8.86 10.92
Gross NPA % 2.08% 1.84% 1.84% 1.84% 1.71% 2.32% 2.25% 2.35% 2.42% 2.23% 2.34% 2.14% 1.60%
Net NPA % 1.06% 1.08% 1.06% 1.02% 0.87% 1.20% 1.11% 1.06% 1.01% 1.05% 1.13% 1.02% 0.75%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
2,822 3,551 3,952 3,163 6,405 4,978 4,847 5,968 6,991 8,444 10,472 10,234 12,277
Interest 1,169 1,445 1,690 1,786 2,730 2,593 2,413 2,638 3,011 3,245 3,896 4,196 5,277
1,178 1,319 1,362 689 2,221 1,435 1,682 2,239 2,355 2,936 3,842 4,559 4,935
Financing Profit 475 787 900 689 1,454 950 752 1,090 1,625 2,263 2,734 1,479 2,064
Financing Margin % 17% 22% 23% 22% 23% 19% 16% 18% 23% 27% 26% 14% 17%
13 -4 8 375 61 212 79 20 32 2 18 -584 19
Depreciation 68 59 66 16 67 32 106 106 122 153 181 189 198
Profit before tax 420 724 843 1,048 1,448 1,130 725 1,005 1,536 2,113 2,572 707 1,885
Tax % 31% 34% 34% 22% 30% 30% 31% 24% 23% 24% 23% 18%
291 476 555 822 1,021 796 503 761 1,188 1,608 1,974 578 1,445
EPS in Rs 8.45 12.98 14.53 19.42 22.42 22.40 11.94 18.06 28.16 35.49 41.60 8.92 30.16
Dividend Payout % 32% 21% 26% 21% 20% 20% 17% 15% 11% 10% 9% 0%
Compounded Sales Growth
10 Years: 11%
5 Years: 16%
3 Years: 14%
TTM: 17%
Compounded Profit Growth
10 Years: 2%
5 Years: 2%
3 Years: -22%
TTM: 28%
Stock Price CAGR
10 Years: 17%
5 Years: 9%
3 Years: -1%
1 Year: 30%
Return on Equity
10 Years: 15%
5 Years: 14%
3 Years: 13%
Last Year: 5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 59 62 63 64 64 64 76 76 76 76 76 85 85
Reserves 2,093 2,496 3,289 4,318 4,679 4,290 4,684 5,312 6,388 8,916 10,561 12,327 12,885
Borrowing 10,516 14,639 15,948 24,330 34,326 26,517 27,996 32,583 36,086 40,017 47,136 51,533 58,691
1,846 2,221 3,566 5,049 5,426 2,368 1,617 2,696 3,360 3,993 4,630 3,699 4,351
Total Liabilities 14,514 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,403 67,644 76,012
472 500 533 656 871 369 607 675 775 862 905 1,487 1,505
CWIP 24 10 6 71 110 7 2 7 6 28 52 23 5
Investments 1,012 1,283 1,867 4,153 2,150 212 770 32 1,192 3,511 4,059 4,438 5,711
13,006 17,624 20,461 28,881 41,365 32,651 32,994 39,954 43,937 48,602 57,387 61,696 68,792
Total Assets 14,514 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,403 67,644 76,012

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-63 -2,126 -54 -4,329 -10,483 422 1,101 -3,587 1,784 -5,225 -8,716 -4,781
60 -361 -671 -2,602 -374 562 -919 236 -996 -2,716 468 -1,149
17 2,904 525 9,094 8,468 20 109 4,428 2,781 5,361 7,088 5,526
Net Cash Flow 14 417 -200 2,162 -2,389 1,004 290 1,077 3,569 -2,580 -1,160 -403
Free Cash Flow -136 -2,211 -131 -4,343 -10,654 355 1,052 -3,621 1,684 -5,484 -8,804 -4,839
CFO/OP 5% -83% 8% -165% -237% 20% 42% -88% 45% -90% -121% -77%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 14% 19% 17% 18% 17% 16% 11% 15% 20% 19% 18% 5%

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
Number of Branches
Number

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Assets Under Management (AUM)
₹ Crore
Average Ticket Size - Home Loan
₹ Lakhs
Consolidated Employee Count
Number
Total Active Customers
Million
Gold Tonnage
Metric Tonnes

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
24.85% 24.84% 24.81% 24.80% 24.78% 24.92% 24.91% 24.90% 24.90% 24.86% 24.86% 24.85%
28.09% 28.63% 28.31% 31.27% 29.14% 30.31% 29.64% 27.78% 28.03% 26.62% 26.77% 27.77%
4.04% 5.54% 7.30% 8.27% 8.59% 7.43% 6.25% 4.50% 5.54% 8.09% 9.13% 9.16%
43.01% 40.98% 39.59% 35.67% 37.47% 37.35% 39.19% 42.84% 41.54% 40.41% 39.23% 38.20%
No. of Shareholders 67,46865,44067,66083,6761,49,3091,45,0731,58,1331,73,5301,69,3741,49,2471,42,8081,34,274

* 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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