IIFL Finance Ltd.

•

iifl.comBSE: 532636NSE: IIFL

Market Cap₹ 25,602 Cr.

Current Price

High / Low₹ 705 / 409

Stock P/E12.2

Book Value₹ 339

Price to Book1.33

Dividend Yield0.67 %

ROCE11.1 %

ROE14.0 %

Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2019 • Fund Based Activity: 97.9% • Others: 2.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 17.8%
Solid return on assets for a lender - ROA of 2.8%
Asset quality is healthy - gross NPA of just 1.5%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 160.1% YoY, showing strong momentum
Company has delivered good sales growth of 18.0% CAGR over last 5 years

CONS

Company has a low return on capital employed of 10.5%
Free cash flow has been persistently negative
Operating margins have contracted to 60.4% from 66.6%
Thin net interest margin of 0.0%
Equity base is being diluted - shares outstanding up 11.8%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY ALPHA 50 NIFTY TOTAL MKT NIFTY SMLCAP 50 NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	IIFL	599.85	12.18	25602.31	0.67	713.13	160.11	3919.15	32.73	11.11	69.10

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,301	2,478	2,649	2,854	2,621	2,556	2,443	2,591	2,953	3,305	3,427	3,692	3,919
	822	877	948	1,255	1,109	1,105	1,307	1,065	1,267	1,323	1,280	1,194	2,993
Operating Profit	1,479	1,602	1,700	1,599	1,512	278	1,136	1,526	1,686	1,982	2,147	2,499	2,708
OPM %	64.27%	64.63%	64.20%	56.02%	57.68%	10.88%	46.51%	58.91%	57.09%	59.96%	62.65%	67.67%	69.10%
Other Income	69	57	46	68	12	5	6	3	6	4	5	7	3
Interest	888	932	985	1,063	1,042	963	996	1,169	1,289	1,382	1,437	1,610	1,719
Depreciation	42	43	45	50	46	46	46	51	47	47	53	64	63
	618	684	716	554	436	-140	101	309	356	557	663	833	929
Tax %	23.53%	23.11%	23.89%	22.23%	22.47%	33.36%	19.13%	18.78%	23.05%	24.92%	24.37%	25.15%	23.21%
Net Profit	0	0	0	0	338	-93	82	251	274	418	501	623	713
	11	12	13	10	7	-4	1	5	5	9	11	14	2

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	3,138	6,321	4,978	4,844	5,840	6,855	8,270	10,250	10,211	13,351	14,344
	691	2,257	1,503	1,694	2,241	2,364	3,023	3,857	4,580	5,290	6,790
Operating Profit	2,447	4,064	3,474	3,150	3,599	4,491	5,247	6,393	5,631	8,061	7,554
OPM %	77.98%	64.29%	69.80%	65.02%	61.63%	65.52%	63.45%	62.37%	55.14%	60.38%	52.66%
	29	187	280	94	150	178	264	256	-539	295	19
Interest	1,786	2,730	2,593	2,413	2,638	3,011	3,245	3,896	4,196	5,736	6,148
Depreciation	16	67	32	106	106	122	153	181	189	211	227
Profit before Tax	674	1,448	1,130	725	1,005	1,536	2,113	2,572	707	2,409	2,981
Tax %	33.54%	29.52%	29.58%	30.57%	24.28%	22.64%	23.90%	23.24%	18.22%	24.57%	24.33%
Net Profit	448	1,021	796	503	761	1,188	1,608	1,974	578	1,817	2,256
EPS	21.52	24.84	20.89	13.24	20.04	31.14	39.18	46.22	8.92	39.05	—
Dividend Payout %	20.91%	20.37%	20.09%	16.96%	14.95%	11.18%	10.14%	8.65%	0.00%	10.24%	—

COMPOUNDED SALES GROWTH

10 Years:: 13%
5 Years:: 18%
3 Years:: 17%

COMPOUNDED PROFIT GROWTH

10 Years:: 13%
5 Years:: 17%
3 Years:: 3%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 16%
3 Years:: 2%
1 Year:: 37%

RETURN ON EQUITY

10 Years:: 16%
5 Years:: 16%
3 Years:: 13%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	64	64	64	76	76	76	76	76	85	85
Minority Interest	1,255	1,500	4	6	6	6	1,210	1,419	1,543	1,699
	4,318	4,664	4,269	4,667	5,296	6,374	8,906	10,495	12,160	13,670
	25,292	35,350	26,915	27,952	32,995	36,758	40,709	47,071	51,491	69,606
Trade Payables	145	240	109	79	109	152	197	207	186	247
	4,149	2,287	1,582	1,352	1,874	2,258	1,782	2,984	1,795	3,495
Total Liabilities	35,223	44,104	32,944	34,130	40,356	45,625	52,880	62,253	67,259	88,802
	605	620	105	393	404	480	566	609	616	643
Capital Work in Progress	71	110	7	2	7	6	27	52	22	6
	4,203	2,150	212	770	32	1,192	3,511	4,059	4,438	6,092
	31	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	102	108	98
Cash & Bank	3,791	3,122	2,522	3,216	4,784	8,157	5,840	4,246	3,343	5,719
	26,521	38,101	30,098	29,749	35,130	35,790	42,936	53,184	58,732	76,244
Total Assets	35,223	44,104	32,944	34,130	40,356	45,625	52,880	62,253	67,259	88,802

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-2,672	1,737	-696	2,423	1,635	2,108	1,516	2,953	194	1,241
Cash from Investing	-4,165	-374	408	-919	236	-996	-2,716	468	-1,149	-2,606
Cash from Financing	9,094	8,468	20	109	4,428	2,781	5,361	7,088	5,526	17,843
	599	-2,389	850	290	1,077	3,569	-2,580	-1,160	-403	1,262

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	24.91	24.91	24.90	24.89	24.87	24.87	24.85	24.85	24.85
	30.31	29.64	27.78	28.03	26.62	26.77	27.77	28.16	23.86
	7.43	6.25	4.49	5.54	8.09	9.13	9.16	7.09	7.50
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	37.35	39.20	42.83	41.54	40.42	39.24	38.21	39.90	43.78

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

Resignation of Director/KMP/SMP

2026-09-11 - IIFL Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-09-11

Change in Management

2026-09-11 - IIFL Finance Limited has informed the Exchange about Change in Senior Management Personnel of the Company

2026-09-10

ESOP/ESOS/ESPS

2026-09-10 - IIFL Finance Limited has informed the Exchange regarding Allotment of Equity Shares upon exercise of ESOPs.

2026-09-09

Allotment of Securities

2026-09-09 - IIFL Finance Limited has informed the Exchange regarding allotment of securities approved at the Finance Committee meeting held on September 09, 2026

2026-09-09

News Verification

2026-09-09 - The Exchange has sought clarification from IIFL Finance Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is attached.

2026-09-08

News Verification

2026-09-08 - The Exchange has sought clarification from IIFL Finance Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is awaited.

2026-09-08

Allotment of Securities

2026-09-08 - IIFL Finance Limited has informed the Exchange regarding allotment of Non-Convertible Securities issued on Private Placement basis.

2026-09-05

Change in Director(s)

2026-09-05 - IIFL Finance Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-09-02

Allotment of Securities

2026-09-02 - IIFL Finance Limited has informed the Exchange regarding allotment of Non-Convertible Debentures on Private Placement basis.

News

Recent coverage and analyst commentary for IIFL

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