IIFL Finance Ltd

IIFL Finance Ltd

₹ 604 0.19%
22 Feb 2:27 p.m.
About

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]

Key Points

Ratios Q1FY22
Capital Adequacy Ratio - 25.6%[1]
Net Interest Margin - 6.6%[2]
Gross NPA - 2.2%
Net NPA - 1%[1]

  • Market Cap 23,017 Cr.
  • Current Price 604
  • High / Low 704 / 408
  • Stock P/E 12.8
  • Book Value 260
  • Dividend Yield 0.66 %
  • 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,489 1,598 1,514 1,668 1,798 1,873 1,931 2,026 2,121 2,181 2,300 2,476 2,647
Interest 611 681 701 744 773 773 776 776 809 861 888 932 988
545 619 452 568 646 707 731 709 740 779 822 875 945
Financing Profit 332 299 361 356 379 393 424 541 571 541 590 669 714
Financing Margin % 22% 19% 24% 21% 21% 21% 22% 27% 27% 25% 26% 27% 27%
42 50 17 46 45 60 44 25 24 95 71 58 47
Depreciation 26 29 28 30 30 33 34 37 39 42 42 43 45
Profit before tax 348 321 350 372 394 420 434 529 555 594 618 684 716
Tax % 23% 23% 24% 22% 21% 24% 24% 25% 24% 23% 24% 23% 24%
268 248 266 292 310 321 330 397 423 458 473 526 545
EPS in Rs 7.09 6.54 7.01 7.69 8.16 8.45 8.68 9.99 9.96 10.85 11.18 12.44 12.86
Gross NPA % 2.14% 2.20% 2.30% 2.79% 3.15% 2.60% 2.42% 2.08% 1.84% 1.84% 1.84% 1.71%
Net NPA % 0.97% 1.00% 1.10% 1.47% 1.83% 1.15% 1.22% 1.06% 1.08% 1.06% 1.02% 0.87%
Raw PDF

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 4.71 9.22 9.39 14.42 16.15 21.58 24.91 24.89 13.26 20.06 31.29 39.44 47.33
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: 34%
5 Years: 28%
3 Years: 37%
1 Year: 38%
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%

Shareholding Pattern

Numbers in percentages

8 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
24.96% 24.95% 24.93% 24.93% 24.91% 24.90% 24.89% 24.88% 24.85% 24.84% 24.81% 24.80%
21.50% 21.86% 24.72% 21.12% 20.66% 23.05% 25.57% 27.79% 28.09% 28.63% 28.31% 31.27%
0.19% 0.18% 0.73% 0.79% 1.04% 2.71% 3.41% 3.90% 4.04% 5.54% 7.30% 8.27%
53.35% 53.01% 49.62% 53.16% 53.39% 49.34% 46.12% 43.43% 43.01% 40.98% 39.59% 35.67%
No. of Shareholders 37,39439,98246,69559,66163,44977,38673,44667,86867,46865,44067,66083,676

* 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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Documents

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