IIFL Finance Ltd.

•

iifl.comBSE: 532636NSE: IIFL

Market Cap₹ 25,744 Cr.

Current Price

High / Low₹ 705 / 409

Stock P/E17.3

Book Value₹ 186

Price to Book2.45

Dividend Yield0.66 %

ROCE12.4 %

ROE16.6 %

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

Company has delivered good profit growth of 27.5% CAGR over last 5 years
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%
Latest quarter profit grew 251.8% YoY, showing strong momentum
Company has delivered good sales growth of 17.0% CAGR over last 5 years

CONS

Company has a low return on equity of 6.9% over last 3 years
Company has a low return on capital employed of 9.0%
Free cash flow has been persistently negative
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	1040.00	31.89	647499.25	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.35	21.40	242204.36	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1829.00	27.16	156208.67	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.00	73.81	152532.57	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11093.25	13.94	123460.67	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2820.00	9.95	113214.11	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.80	26.60	109173.43	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	310.20	24.43	77747.06	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	670.00	28.02	63760.09	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.90	25.77	56068.33	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	IIFL	605.20	12.24	25744.06	0.66	713.13	160.11	3919.15	32.73	11.11	69.10

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	1,012	1,057	1,159	1,386	1,019	984	940	1,138	1,479	1,763	1,951	2,283	2,344
	401	455	519	716	583	572	457	461	571	689	684	609	1,740
Operating Profit	611	602	639	670	437	-762	483	677	908	1,074	1,268	1,674	1,693
OPM %	60.36%	56.95%	55.18%	48.34%	42.82%	-77.44%	51.34%	59.47%	61.37%	60.90%	64.96%	73.33%	72.21%
Other Income	10	18	4	12	3	5	4	2	6	4	5	4	0
Interest	388	408	434	473	437	387	433	592	701	758	829	985	1,037
Depreciation	32	32	33	38	33	33	33	37	34	36	41	52	51
	201	181	177	172	-31	-591	21	50	178	284	403	641	605
Tax %	24.58%	24.30%	25.49%	4.03%	27.19%	25.31%	23.88%	23.47%	25.56%	25.68%	25.26%	20.65%	22.78%
Net Profit	151	137	132	165	-23	-441	16	38	133	211	301	509	467
	4	4	3	4	-1	-10	0	1	3	5	7	12	1

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	143	246	2,953	2,650	3,397	4,080	4,059	4,605	4,066	7,448	8,342
	2	19	1,096	1,171	1,415	1,624	1,542	2,082	2,206	2,566	3,722
Operating Profit	141	228	1,858	1,479	1,982	2,456	2,517	2,523	1,860	4,882	4,620
OPM %	98.60%	92.43%	62.90%	55.82%	58.35%	60.20%	62.01%	54.80%	45.75%	65.55%	55.38%
	0	25	160	98	95	243	110	45	-425	62	13
Interest	0	5	1,370	1,251	1,559	1,625	1,460	1,703	1,849	3,275	3,609
Depreciation	0	1	24	89	91	106	125	135	137	163	180
Profit before Tax	141	246	623	237	427	967	1,043	730	-551	1,506	1,933
Tax %	0.00%	12.83%	27.61%	37.12%	19.86%	22.94%	22.75%	19.89%	25.64%	23.41%	23.01%
Net Profit	141	215	451	149	343	745	805	585	-410	1,154	1,488
EPS	4.92	6.73	11.86	3.93	9.03	19.54	21.04	15.33	-9.65	27.12	—
Dividend Payout %	101.69%	74.29%	35.39%	57.21%	33.18%	17.82%	18.89%	26.10%	0.00%	14.75%	—

COMPOUNDED SALES GROWTH

10 Years:: 43%
5 Years:: 17%
3 Years:: 22%

COMPOUNDED PROFIT GROWTH

10 Years:: 21%
5 Years:: 27%
3 Years:: 13%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 16%
3 Years:: 0%
1 Year:: 36%

RETURN ON EQUITY

10 Years:: 11%
5 Years:: 11%
3 Years:: 7%
Last Year:: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	1,436	1,413	3,457	3,515	3,729	4,337	5,029	5,477	6,340	7,362
	0	0	13,043	14,603	16,570	16,506	17,662	20,327	24,831	39,067
Trade Payables	1	1	53	48	66	96	132	140	93	166
	389	15	920	906	1,563	1,963	1,153	1,475	470	2,769
Total Liabilities	1,890	1,493	17,537	19,147	22,004	22,978	24,052	27,495	31,819	49,449
	2	3	90	350	376	434	479	500	475	517
Capital Work in Progress	0	0	6	2	7	6	27	52	22	6
	1,522	1,419	1,305	1,959	1,204	2,449	3,780	5,157	5,458	5,844
	0	0	0	0	0	0	0	42	49	26
Cash & Bank	9	25	1,420	1,651	3,592	5,609	3,171	1,830	1,361	1,923
	357	47	14,716	15,185	16,825	14,481	16,595	19,914	24,454	41,133
Total Assets	1,890	1,493	17,537	19,147	22,004	22,978	24,052	27,495	31,819	49,449

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	84	86	-873	2,099	244	1,261	299	1,144	-526	1,085
Cash from Investing	52	177	209	-722	459	-927	-1,468	-337	-1,250	-271
Cash from Financing	-134	-217	-2,488	805	1,782	-324	631	2,742	5,706	14,286
	5	15	260	192	1,446	2,305	-2,594	-898	-336	794

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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

2026-09-10

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.

2026-08-25

Credit Rating

2026-08-25 - IIFL Finance Limited has informed the Exchange about Credit Rating

2026-08-25

Pendency of Litigation(s)/dispute(s) or the outcome impacting the Company

2026-08-25 - IIFL Finance Limited has informed the Exchange regarding Initiation of Tax Litigation w.r.t. Material Subsidiary of the Company and Update on Tax Litigation of the Company.

News

Recent coverage and analyst commentary for IIFL

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AI Stock Analyst

IIFL Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1040.00

31.89

647499.25

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.35

21.40

242204.36

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1829.00

27.16

156208.67

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.00

73.81

152532.57

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11093.25

13.94

123460.67

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2820.00

9.95

113214.11

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.80

26.60

109173.43

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

310.20

24.43

77747.06

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

670.00

28.02

63760.09

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

674.90

25.77

56068.33

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

IIFL

605.20

12.24

25744.06

0.66

713.13

160.11

3919.15

32.73

11.11

69.10

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

1,012

1,057

1,159

1,386

1,019

984

940

1,138

1,479

1,763

1,951

2,283

2,344

401

455

519

716

583

572

457

461

571

689

684

609

1,740

Operating Profit

611

602

639

670

437

-762

483

677

908

1,074

1,268

1,674

1,693

OPM %

60.36%

56.95%

55.18%

48.34%

42.82%

-77.44%

51.34%

59.47%

61.37%

60.90%

64.96%

73.33%

72.21%

Other Income

Interest

388

408

434

473

437

387

433

592

701

758

829

985

1,037

Depreciation

201

181

177

172

-31

-591

178

284

403

641

605

Tax %

24.58%

24.30%

25.49%

4.03%

27.19%

25.31%

23.88%

23.47%

25.56%

25.68%

25.26%

20.65%

22.78%

Net Profit

151

137

132

165

-23

-441

133

211

301

509

467

-1

-10

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

143

246

2,953

2,650

3,397

4,080

4,059

4,605

4,066

7,448

8,342

1,096

1,171

1,415

1,624

1,542

2,082

2,206

2,566

3,722

Operating Profit

141

228

1,858

1,479

1,982

2,456

2,517

2,523

1,860

4,882

4,620

OPM %

98.60%

92.43%

62.90%

55.82%

58.35%

60.20%

62.01%

54.80%

45.75%

65.55%

55.38%

160

243

110

-425

Interest

1,370

1,251

1,559

1,625

1,460

1,703

1,849

3,275

3,609

Depreciation

106

125

135

137

163

180

Profit before Tax

141

246

623

237

427

967

1,043

730

-551

1,506

1,933

Tax %

0.00%

12.83%

27.61%

37.12%

19.86%

22.94%

22.75%

19.89%

25.64%

23.41%

23.01%

Net Profit

141

215

451

149

343

745

805

585

-410

1,154

1,488

EPS

4.92

6.73

11.86

3.93

9.03

19.54

21.04

15.33

-9.65

27.12

—

Dividend Payout %

101.69%

74.29%

35.39%

57.21%

33.18%

17.82%

18.89%

26.10%

0.00%

14.75%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

1,436

1,413

3,457

3,515

3,729

4,337

5,029

5,477

6,340

7,362

13,043

14,603

16,570

16,506

17,662

20,327

24,831

39,067

Trade Payables

132

140

166

389

920

906

1,563

1,963

1,153

1,475

470

2,769

Total Liabilities

1,890

1,493

17,537

19,147

22,004

22,978

24,052

27,495

31,819

49,449

350

376

434

479

500

475

517

Capital Work in Progress

1,522

1,419

1,305

1,959

1,204

2,449

3,780

5,157

5,458

5,844

Cash & Bank

1,420

1,651

3,592

5,609

3,171

1,830

1,361

1,923

357

14,716

15,185

16,825

14,481

16,595

19,914

24,454

41,133

Total Assets

1,890

1,493

17,537

19,147

22,004

22,978

24,052

27,495

31,819

49,449

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-873

2,099

244

1,261

299

1,144

-526

1,085

Cash from Investing

177

209

-722

459

-927

-1,468

-337

-1,250

-271

Cash from Financing

-134

-217

-2,488

805

1,782

-324

631

2,742

5,706

14,286

260

192

1,446

2,305

-2,594

-898

-336

794

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

24.91

24.90

24.89

24.87

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

37.35

39.20

42.83

41.54

40.42

39.24

38.21

39.90

43.78

IIFL Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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IIFL Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI