IIFL Finance Ltd.
•2026-08-21
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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | IIFL | 630.75 | 12.76 | 26830.91 | 0.63 | 713.13 | 160.11 | 3919.15 | 32.73 | 11.11 | 69.10 |
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 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | |
| Equity Capital | 76 | 76 | 76 | 76 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 76 | 76 | 76 | 76 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
- 2,301
- 822
- Operating Profit
- —
- OPM %
- —
- Other Income
- 69
- Interest
- 888
- Depreciation
- 42
- 618
- Tax %
- 23.53%
- Net Profit
- 0
- 11
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,478
- 877
- Operating Profit
- —
- OPM %
- —
- Other Income
- 57
- Interest
- 932
- Depreciation
- 43
- 684
- Tax %
- 23.11%
- Net Profit
- 0
- 12
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,649
- 948
- Operating Profit
- —
- OPM %
- —
- Other Income
- 46
- Interest
- 985
- Depreciation
- 45
- 716
- Tax %
- 23.89%
- Net Profit
- 0
- 13
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,854
- 1,255
- Operating Profit
- —
- OPM %
- —
- Other Income
- 68
- Interest
- 1,063
- Depreciation
- 50
- 554
- Tax %
- 22.23%
- Net Profit
- 0
- 10
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,621
- 1,109
- Operating Profit
- —
- OPM %
- —
- Other Income
- 12
- Interest
- 1,042
- Depreciation
- 46
- 436
- Tax %
- 22.47%
- Net Profit
- 338
- 7
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,556
- 1,105
- Operating Profit
- —
- OPM %
- —
- Other Income
- 5
- Interest
- 963
- Depreciation
- 46
- -140
- Tax %
- 33.36%
- Net Profit
- -93
- -4
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,443
- 1,307
- Operating Profit
- —
- OPM %
- —
- Other Income
- 6
- Interest
- 996
- Depreciation
- 46
- 101
- Tax %
- 19.13%
- Net Profit
- 82
- 1
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,591
- 1,065
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 1,169
- Depreciation
- 51
- 309
- Tax %
- 18.78%
- Net Profit
- 251
- 5
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 2,953
- 1,267
- Operating Profit
- —
- OPM %
- —
- Other Income
- 6
- Interest
- 1,289
- Depreciation
- 47
- 356
- Tax %
- 23.05%
- Net Profit
- 274
- 5
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 3,305
- 1,323
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 1,382
- Depreciation
- 47
- 557
- Tax %
- 24.92%
- Net Profit
- 418
- 9
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 3,427
- 1,280
- Operating Profit
- —
- OPM %
- —
- Other Income
- 5
- Interest
- 1,437
- Depreciation
- 53
- 663
- Tax %
- 24.37%
- Net Profit
- 501
- 11
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 3,692
- 1,194
- Operating Profit
- —
- OPM %
- —
- Other Income
- 7
- Interest
- 1,610
- Depreciation
- 64
- 833
- Tax %
- 25.15%
- Net Profit
- 623
- 14
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- 3,919
- 2,993
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 1,719
- Depreciation
- 63
- 929
- Tax %
- 23.21%
- Net Profit
- 713
- 2
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
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 | 2,475 | 4,251 | 3,650 | 3,244 | 3,749 | 4,669 | 5,510 | 6,648 | 5,678 | 8,356 | — |
| OPM % | 79 | 67 | 73 | 67 | 64 | 68 | 67 | 65 | 56 | 63 | — |
| Other Income | 29 | 187 | 176 | 94 | 150 | 178 | 264 | 256 | 48 | 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 |
| 674 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 2,409 | 2,981 | |
| Tax % | 34 | 30 | 30 | 31 | 24 | 23 | 24 | 23 | 18 | 25 | 24 |
| Net Profit | 448 | 1,021 | 796 | 503 | 761 | 1,188 | 1,608 | 1,974 | 578 | 1,817 | 2,256 |
| EPS | 22 | 25 | 21 | 13 | 20 | 31 | 39 | 46 | 9 | 39 | — |
| Dividend Payout % | 21 | 20 | 20 | 17 | 15 | 11 | 10 | 9 | 0 | 10 | — |
| Minority Interest | -136 | -226 | -1 | -2 | -1 | -0 | -107 | -211 | -199 | -156 | 44 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 21 | 24 | 24 | 13 | 19 | 30 | 38 | 45 | 9 | 39 | — |
| Minority Interest | -136 | -226 | -1 | -2 | -1 | -0 | -107 | -211 | -199 | -156 | 44 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 21 | 24 | 24 | 13 | 19 | 30 | 38 | 45 | 9 | 39 | — |
- 3,138
- 691
- Operating Profit
- 2,475
- OPM %
- 79
- Other Income
- 29
- Interest
- 1,786
- Depreciation
- 16
- 674
- Tax %
- 34
- Net Profit
- 448
- EPS
- 22
- Dividend Payout %
- 21
- Minority Interest
- -136
- Share of Associates
- 0
- Adjusted EPS
- 21
- Minority Interest
- -136
- Share of Associates
- 0
- Adjusted EPS
- 21
- 6,321
- 2,257
- Operating Profit
- 4,251
- OPM %
- 67
- Other Income
- 187
- Interest
- 2,730
- Depreciation
- 67
- 1,448
- Tax %
- 30
- Net Profit
- 1,021
- EPS
- 25
- Dividend Payout %
- 20
- Minority Interest
- -226
- Share of Associates
- 0
- Adjusted EPS
- 24
- Minority Interest
- -226
- Share of Associates
- 0
- Adjusted EPS
- 24
- 4,978
- 1,503
- Operating Profit
- 3,650
- OPM %
- 73
- Other Income
- 176
- Interest
- 2,593
- Depreciation
- 32
- 1,130
- Tax %
- 30
- Net Profit
- 796
- EPS
- 21
- Dividend Payout %
- 20
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- 24
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- 24
- 4,844
- 1,694
- Operating Profit
- 3,244
- OPM %
- 67
- Other Income
- 94
- Interest
- 2,413
- Depreciation
- 106
- 725
- Tax %
- 31
- Net Profit
- 503
- EPS
- 13
- Dividend Payout %
- 17
- Minority Interest
- -2
- Share of Associates
- 0
- Adjusted EPS
- 13
- Minority Interest
- -2
- Share of Associates
- 0
- Adjusted EPS
- 13
- 5,840
- 2,241
- Operating Profit
- 3,749
- OPM %
- 64
- Other Income
- 150
- Interest
- 2,638
- Depreciation
- 106
- 1,005
- Tax %
- 24
- Net Profit
- 761
- EPS
- 20
- Dividend Payout %
- 15
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- 19
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- 19
- 6,855
- 2,364
- Operating Profit
- 4,669
- OPM %
- 68
- Other Income
- 178
- Interest
- 3,011
- Depreciation
- 122
- 1,536
- Tax %
- 23
- Net Profit
- 1,188
- EPS
- 31
- Dividend Payout %
- 11
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 30
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 30
- 8,270
- 3,023
- Operating Profit
- 5,510
- OPM %
- 67
- Other Income
- 264
- Interest
- 3,245
- Depreciation
- 153
- 2,113
- Tax %
- 24
- Net Profit
- 1,608
- EPS
- 39
- Dividend Payout %
- 10
- Minority Interest
- -107
- Share of Associates
- 0
- Adjusted EPS
- 38
- Minority Interest
- -107
- Share of Associates
- 0
- Adjusted EPS
- 38
- 10,250
- 3,857
- Operating Profit
- 6,648
- OPM %
- 65
- Other Income
- 256
- Interest
- 3,896
- Depreciation
- 181
- 2,572
- Tax %
- 23
- Net Profit
- 1,974
- EPS
- 46
- Dividend Payout %
- 9
- Minority Interest
- -211
- Share of Associates
- 0
- Adjusted EPS
- 45
- Minority Interest
- -211
- Share of Associates
- 0
- Adjusted EPS
- 45
- 10,211
- 4,580
- Operating Profit
- 5,678
- OPM %
- 56
- Other Income
- 48
- Interest
- 4,196
- Depreciation
- 189
- 707
- Tax %
- 18
- Net Profit
- 578
- EPS
- 9
- Dividend Payout %
- 0
- Minority Interest
- -199
- Share of Associates
- 0
- Adjusted EPS
- 9
- Minority Interest
- -199
- Share of Associates
- 0
- Adjusted EPS
- 9
- 13,351
- 5,290
- Operating Profit
- 8,356
- OPM %
- 63
- Other Income
- 295
- Interest
- 5,736
- Depreciation
- 211
- 2,409
- Tax %
- 25
- Net Profit
- 1,817
- EPS
- 39
- Dividend Payout %
- 10
- Minority Interest
- -156
- Share of Associates
- 0
- Adjusted EPS
- 39
- Minority Interest
- -156
- Share of Associates
- 0
- Adjusted EPS
- 39
- 14,344
- 6,790
- Operating Profit
- —
- OPM %
- —
- Other Income
- 19
- Interest
- 6,148
- Depreciation
- 227
- 2,981
- Tax %
- 24
- Net Profit
- 2,256
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 44
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 44
- Share of Associates
- 0
- Adjusted EPS
- —
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:
- 18%
- 3 Years:
- 4%
- 1 Year:
- 35%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 64 | 64 | 64 | 76 | 76 | 76 | 76 | 76 | 85 | 85 |
| 4,318 | 4,664 | 4,269 | 4,667 | 5,296 | 6,374 | 8,906 | 10,495 | 12,160 | 13,670 | |
| 11,528 | 16,967 | 6,010 | 2,872 | 4,557 | 2,781 | 1,415 | 15,047 | 16,489 | 23,962 | |
| Trade Payables | 145 | 240 | 109 | 79 | 109 | 152 | 197 | 207 | 186 | 247 |
| 19,168 | 22,170 | 22,492 | 26,438 | 30,317 | 36,241 | 42,286 | 36,428 | 38,339 | 50,838 | |
| Total Liabilities | 35,223 | 44,104 | 32,944 | 34,130 | 40,356 | 45,625 | 52,880 | 62,253 | 67,259 | 88,802 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 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 |
| Total Debt | 24,330 | 34,326 | 26,517 | 27,705 | 32,257 | 35,726 | 39,604 | 46,674 | 51,068 | 69,176 |
| Net Working Capital | 2,558 | 20,305 | 23,779 | 28,136 | 31,368 | 36,064 | 42,814 | -12,846 | -14,001 | -19,030 |
| Contingent Liabilities | 148 | 7,170 | 2,789 | 2,024 | 1,524 | 1,187 | 781 | 613 | 1,276 | 778 |
| Book Value per Share | 137.67 | 148.22 | 135.74 | 125.35 | 141.79 | 169.91 | 236.10 | 277.06 | 288.46 | 323.42 |
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Total Debt | 24,330 | 34,326 | 26,517 | 27,705 | 32,257 | 35,726 | 39,604 | 46,674 | 51,068 | 69,176 |
| Net Working Capital | 2,558 | 20,305 | 23,779 | 28,136 | 31,368 | 36,064 | 42,814 | -12,846 | -14,001 | -19,030 |
| Contingent Liabilities | 148 | 7,170 | 2,789 | 2,024 | 1,524 | 1,187 | 781 | 613 | 1,276 | 778 |
| Book Value per Share | 137.67 | 148.22 | 135.74 | 125.35 | 141.79 | 169.91 | 236.10 | 277.06 | 288.46 | 323.42 |
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
- Equity Capital
- 64
- 4,318
- 11,528
- Trade Payables
- 145
- 19,168
- Total Liabilities
- 35,223
- 605
- Capital Work in Progress
- 71
- 4,203
- 31
- 0
- Cash & Bank
- 3,791
- 26,521
- Total Assets
- 35,223
- Total Debt
- 24,330
- Net Working Capital
- 2,558
- Contingent Liabilities
- 148
- Book Value per Share
- 137.67
- Face Value
- 2.00
- Total Debt
- 24,330
- Net Working Capital
- 2,558
- Contingent Liabilities
- 148
- Book Value per Share
- 137.67
- Face Value
- 2.00
- Equity Capital
- 64
- 4,664
- 16,967
- Trade Payables
- 240
- 22,170
- Total Liabilities
- 44,104
- 620
- Capital Work in Progress
- 110
- 2,150
- 0
- 0
- Cash & Bank
- 3,122
- 38,101
- Total Assets
- 44,104
- Total Debt
- 34,326
- Net Working Capital
- 20,305
- Contingent Liabilities
- 7,170
- Book Value per Share
- 148.22
- Face Value
- 2.00
- Total Debt
- 34,326
- Net Working Capital
- 20,305
- Contingent Liabilities
- 7,170
- Book Value per Share
- 148.22
- Face Value
- 2.00
- Equity Capital
- 64
- 4,269
- 6,010
- Trade Payables
- 109
- 22,492
- Total Liabilities
- 32,944
- 105
- Capital Work in Progress
- 7
- 212
- 0
- 0
- Cash & Bank
- 2,522
- 30,098
- Total Assets
- 32,944
- Total Debt
- 26,517
- Net Working Capital
- 23,779
- Contingent Liabilities
- 2,789
- Book Value per Share
- 135.74
- Face Value
- 2.00
- Total Debt
- 26,517
- Net Working Capital
- 23,779
- Contingent Liabilities
- 2,789
- Book Value per Share
- 135.74
- Face Value
- 2.00
- Equity Capital
- 76
- 4,667
- 2,872
- Trade Payables
- 79
- 26,438
- Total Liabilities
- 34,130
- 393
- Capital Work in Progress
- 2
- 770
- 0
- 0
- Cash & Bank
- 3,216
- 29,749
- Total Assets
- 34,130
- Total Debt
- 27,705
- Net Working Capital
- 28,136
- Contingent Liabilities
- 2,024
- Book Value per Share
- 125.35
- Face Value
- 2.00
- Total Debt
- 27,705
- Net Working Capital
- 28,136
- Contingent Liabilities
- 2,024
- Book Value per Share
- 125.35
- Face Value
- 2.00
- Equity Capital
- 76
- 5,296
- 4,557
- Trade Payables
- 109
- 30,317
- Total Liabilities
- 40,356
- 404
- Capital Work in Progress
- 7
- 32
- 0
- 0
- Cash & Bank
- 4,784
- 35,130
- Total Assets
- 40,356
- Total Debt
- 32,257
- Net Working Capital
- 31,368
- Contingent Liabilities
- 1,524
- Book Value per Share
- 141.79
- Face Value
- 2.00
- Total Debt
- 32,257
- Net Working Capital
- 31,368
- Contingent Liabilities
- 1,524
- Book Value per Share
- 141.79
- Face Value
- 2.00
- Equity Capital
- 76
- 6,374
- 2,781
- Trade Payables
- 152
- 36,241
- Total Liabilities
- 45,625
- 480
- Capital Work in Progress
- 6
- 1,192
- 0
- 0
- Cash & Bank
- 8,157
- 35,790
- Total Assets
- 45,625
- Total Debt
- 35,726
- Net Working Capital
- 36,064
- Contingent Liabilities
- 1,187
- Book Value per Share
- 169.91
- Face Value
- 2.00
- Total Debt
- 35,726
- Net Working Capital
- 36,064
- Contingent Liabilities
- 1,187
- Book Value per Share
- 169.91
- Face Value
- 2.00
- Equity Capital
- 76
- 8,906
- 1,415
- Trade Payables
- 197
- 42,286
- Total Liabilities
- 52,880
- 566
- Capital Work in Progress
- 27
- 3,511
- 0
- 0
- Cash & Bank
- 5,840
- 42,936
- Total Assets
- 52,880
- Total Debt
- 39,604
- Net Working Capital
- 42,814
- Contingent Liabilities
- 781
- Book Value per Share
- 236.10
- Face Value
- 2.00
- Total Debt
- 39,604
- Net Working Capital
- 42,814
- Contingent Liabilities
- 781
- Book Value per Share
- 236.10
- Face Value
- 2.00
- Equity Capital
- 76
- 10,495
- 15,047
- Trade Payables
- 207
- 36,428
- Total Liabilities
- 62,253
- 609
- Capital Work in Progress
- 52
- 4,059
- 0
- 102
- Cash & Bank
- 4,246
- 53,184
- Total Assets
- 62,253
- Total Debt
- 46,674
- Net Working Capital
- -12,846
- Contingent Liabilities
- 613
- Book Value per Share
- 277.06
- Face Value
- 2.00
- Total Debt
- 46,674
- Net Working Capital
- -12,846
- Contingent Liabilities
- 613
- Book Value per Share
- 277.06
- Face Value
- 2.00
- Equity Capital
- 85
- 12,160
- 16,489
- Trade Payables
- 186
- 38,339
- Total Liabilities
- 67,259
- 616
- Capital Work in Progress
- 22
- 4,438
- 0
- 108
- Cash & Bank
- 3,343
- 58,732
- Total Assets
- 67,259
- Total Debt
- 51,068
- Net Working Capital
- -14,001
- Contingent Liabilities
- 1,276
- Book Value per Share
- 288.46
- Face Value
- 2.00
- Total Debt
- 51,068
- Net Working Capital
- -14,001
- Contingent Liabilities
- 1,276
- Book Value per Share
- 288.46
- Face Value
- 2.00
- Equity Capital
- 85
- 13,670
- 23,962
- Trade Payables
- 247
- 50,838
- Total Liabilities
- 88,802
- 643
- Capital Work in Progress
- 6
- 6,092
- 0
- 98
- Cash & Bank
- 5,719
- 76,244
- Total Assets
- 88,802
- Total Debt
- 69,176
- Net Working Capital
- -19,030
- Contingent Liabilities
- 778
- Book Value per Share
- 323.42
- Face Value
- 2.00
- Total Debt
- 69,176
- Net Working Capital
- -19,030
- Contingent Liabilities
- 778
- Book Value per Share
- 323.42
- Face Value
- 2.00
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -4,329 | -10,483 | 422 | 1,101 | -3,587 | 1,784 | -5,225 | -8,716 | -4,781 | -13,976 | |
| 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 | |
| Free Cash Flow | -4,483 | -10,483 | 422 | 781 | -3,636 | 1,665 | -5,396 | -8,924 | -4,817 | -14,183 |
| OCF / Net Profit | -9.67 | -10.27 | 0.53 | 2.19 | -4.71 | 1.50 | -3.25 | -4.41 | -8.27 | -7.69 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -17,400 | -11,252 | -6,164 | -15,510 | -21,107 | -31,655 |
| OCF / Net Profit | -9.67 | -10.27 | 0.53 | 2.19 | -4.71 | 1.50 | -3.25 | -4.41 | -8.27 | -7.69 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -17,400 | -11,252 | -6,164 | -15,510 | -21,107 | -31,655 |
- -4,329
- Cash from Investing
- -4,165
- Cash from Financing
- 9,094
- 599
- Free Cash Flow
- -4,483
- OCF / Net Profit
- -9.67
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -9.67
- Cumulative 5-Year FCF
- 0
- -10,483
- Cash from Investing
- -374
- Cash from Financing
- 8,468
- -2,389
- Free Cash Flow
- -10,483
- OCF / Net Profit
- -10.27
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -10.27
- Cumulative 5-Year FCF
- 0
- 422
- Cash from Investing
- 408
- Cash from Financing
- 20
- 850
- Free Cash Flow
- 422
- OCF / Net Profit
- 0.53
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.53
- Cumulative 5-Year FCF
- 0
- 1,101
- Cash from Investing
- -919
- Cash from Financing
- 109
- 290
- Free Cash Flow
- 781
- OCF / Net Profit
- 2.19
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.19
- Cumulative 5-Year FCF
- 0
- -3,587
- Cash from Investing
- 236
- Cash from Financing
- 4,428
- 1,077
- Free Cash Flow
- -3,636
- OCF / Net Profit
- -4.71
- Cumulative 5-Year FCF
- -17,400
- OCF / Net Profit
- -4.71
- Cumulative 5-Year FCF
- -17,400
- 1,784
- Cash from Investing
- -996
- Cash from Financing
- 2,781
- 3,569
- Free Cash Flow
- 1,665
- OCF / Net Profit
- 1.50
- Cumulative 5-Year FCF
- -11,252
- OCF / Net Profit
- 1.50
- Cumulative 5-Year FCF
- -11,252
- -5,225
- Cash from Investing
- -2,716
- Cash from Financing
- 5,361
- -2,580
- Free Cash Flow
- -5,396
- OCF / Net Profit
- -3.25
- Cumulative 5-Year FCF
- -6,164
- OCF / Net Profit
- -3.25
- Cumulative 5-Year FCF
- -6,164
- -8,716
- Cash from Investing
- 468
- Cash from Financing
- 7,088
- -1,160
- Free Cash Flow
- -8,924
- OCF / Net Profit
- -4.41
- Cumulative 5-Year FCF
- -15,510
- OCF / Net Profit
- -4.41
- Cumulative 5-Year FCF
- -15,510
- -4,781
- Cash from Investing
- -1,149
- Cash from Financing
- 5,526
- -403
- Free Cash Flow
- -4,817
- OCF / Net Profit
- -8.27
- Cumulative 5-Year FCF
- -21,107
- OCF / Net Profit
- -8.27
- Cumulative 5-Year FCF
- -21,107
- -13,976
- Cash from Investing
- -2,606
- Cash from Financing
- 17,843
- 1,262
- Free Cash Flow
- -14,183
- OCF / Net Profit
- -7.69
- Cumulative 5-Year FCF
- -31,655
- OCF / Net Profit
- -7.69
- Cumulative 5-Year FCF
- -31,655
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 21.52 | 24.54 | 24.89 | 13.26 | 20.06 | 31.29 | 39.43 | 46.22 | 8.92 | 39.05 |
| Book Value (₹) | 137.67 | 148.22 | 135.74 | 125.35 | 141.79 | 169.91 | 236.10 | 277.06 | 288.46 | 323.42 |
| Dividend per Share (₹) | 4.50 | 5.00 | 5.00 | 2.25 | 3.00 | 3.50 | 4.00 | 4.00 | 0.00 | 4.00 |
| Cash EPS (₹) | 14.16 | 33.12 | 25.18 | 15.64 | 22.22 | 33.52 | 44.94 | 54.86 | 18.06 | 47.67 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 78.89% | 67.24% | 73.33% | 66.96% | 64.19% | 68.11% | 66.63% | 62.37% | 55.14% | 60.38% |
| Net Margin % | 14.27% | 16.15% | 15.99% | 10.39% | 13.03% | 17.33% | 19.44% | 19.26% | 5.66% | 13.61% |
| ROE % | 11.60% | 22.42% | 17.56% | 11.10% | 15.04% | 20.10% | 20.83% | 20.19% | 5.07% | 13.97% |
| ROCE % | 10.25% | 12.33% | 10.65% | 9.91% | 10.39% | 11.39% | 11.80% | 12.21% | 8.12% | 11.11% |
| 1.51% | 2.57% | 2.07% | 1.50% | 2.04% | 2.76% | 3.26% | 3.43% | 0.89% | 2.33% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 65 | 24 | 86 | 79 | 7 | 10 | 7 | 4 | 4 | 3 |
| Inventory Days | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 69 | 24 | 86 | 79 | 7 | 10 | 7 | 4 | 4 | 3 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 5.56x | 7.26x | 6.12x | 5.84x | 6.00x | 5.54x | 4.41x | 4.42x | 4.17x | 5.03x |
| Interest Coverage (x) | 1.38x | 1.53x | 1.44x | 1.30x | 1.38x | 1.51x | 1.65x | 1.66x | 1.17x | 1.42x |
| 1.16x | 1.97x | 3.84x | 7.22x | 5.30x | 6.81x | 10.99x | 0.30x | 0.25x | 0.31x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | -20.60% | 101.45% | -21.25% | -2.68% | 20.55% | 17.38% | 20.64% | 23.94% | -0.38% | 30.75% |
| Operating Profit Growth % | -4.75% | 71.71% | -14.12% | -11.13% | 15.57% | 24.55% | 18.02% | 20.65% | -14.59% | 47.14% |
| Net Profit Growth % | -19.36% | 127.95% | -22.04% | -36.73% | 51.11% | 56.18% | 35.29% | 22.81% | -70.71% | 214.22% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 17.21% | -80.70% | 337.65% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 7.14x | 36.68x | 11.01x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.23x | 1.13x | 1.33x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.18% | 0.00% | 0.93% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 8.33x | 10.85x | 9.78x |
- EPS (₹)
- 21.52
- Book Value (₹)
- 137.67
- Dividend per Share (₹)
- 4.50
- Cash EPS (₹)
- 14.16
- Operating Margin %
- 78.89%
- Net Margin %
- 14.27%
- ROE %
- 11.60%
- ROCE %
- 10.25%
- 1.51%
- Debtor Days
- 65
- Inventory Days
- 4
- Payable Days
- 0
- 69
- Debt to Equity (x)
- 5.56x
- Interest Coverage (x)
- 1.38x
- 1.16x
- Revenue Growth %
- -20.60%
- Operating Profit Growth %
- -4.75%
- Net Profit Growth %
- -19.36%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 24.54
- Book Value (₹)
- 148.22
- Dividend per Share (₹)
- 5.00
- Cash EPS (₹)
- 33.12
- Operating Margin %
- 67.24%
- Net Margin %
- 16.15%
- ROE %
- 22.42%
- ROCE %
- 12.33%
- 2.57%
- Debtor Days
- 24
- Inventory Days
- 0
- Payable Days
- 0
- 24
- Debt to Equity (x)
- 7.26x
- Interest Coverage (x)
- 1.53x
- 1.97x
- Revenue Growth %
- 101.45%
- Operating Profit Growth %
- 71.71%
- Net Profit Growth %
- 127.95%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 24.89
- Book Value (₹)
- 135.74
- Dividend per Share (₹)
- 5.00
- Cash EPS (₹)
- 25.18
- Operating Margin %
- 73.33%
- Net Margin %
- 15.99%
- ROE %
- 17.56%
- ROCE %
- 10.65%
- 2.07%
- Debtor Days
- 86
- Inventory Days
- 0
- Payable Days
- 0
- 86
- Debt to Equity (x)
- 6.12x
- Interest Coverage (x)
- 1.44x
- 3.84x
- Revenue Growth %
- -21.25%
- Operating Profit Growth %
- -14.12%
- Net Profit Growth %
- -22.04%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 13.26
- Book Value (₹)
- 125.35
- Dividend per Share (₹)
- 2.25
- Cash EPS (₹)
- 15.64
- Operating Margin %
- 66.96%
- Net Margin %
- 10.39%
- ROE %
- 11.10%
- ROCE %
- 9.91%
- 1.50%
- Debtor Days
- 79
- Inventory Days
- 0
- Payable Days
- 0
- 79
- Debt to Equity (x)
- 5.84x
- Interest Coverage (x)
- 1.30x
- 7.22x
- Revenue Growth %
- -2.68%
- Operating Profit Growth %
- -11.13%
- Net Profit Growth %
- -36.73%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 20.06
- Book Value (₹)
- 141.79
- Dividend per Share (₹)
- 3.00
- Cash EPS (₹)
- 22.22
- Operating Margin %
- 64.19%
- Net Margin %
- 13.03%
- ROE %
- 15.04%
- ROCE %
- 10.39%
- 2.04%
- Debtor Days
- 7
- Inventory Days
- 0
- Payable Days
- 0
- 7
- Debt to Equity (x)
- 6.00x
- Interest Coverage (x)
- 1.38x
- 5.30x
- Revenue Growth %
- 20.55%
- Operating Profit Growth %
- 15.57%
- Net Profit Growth %
- 51.11%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 31.29
- Book Value (₹)
- 169.91
- Dividend per Share (₹)
- 3.50
- Cash EPS (₹)
- 33.52
- Operating Margin %
- 68.11%
- Net Margin %
- 17.33%
- ROE %
- 20.10%
- ROCE %
- 11.39%
- 2.76%
- Debtor Days
- 10
- Inventory Days
- 0
- Payable Days
- 0
- 10
- Debt to Equity (x)
- 5.54x
- Interest Coverage (x)
- 1.51x
- 6.81x
- Revenue Growth %
- 17.38%
- Operating Profit Growth %
- 24.55%
- Net Profit Growth %
- 56.18%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 39.43
- Book Value (₹)
- 236.10
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 44.94
- Operating Margin %
- 66.63%
- Net Margin %
- 19.44%
- ROE %
- 20.83%
- ROCE %
- 11.80%
- 3.26%
- Debtor Days
- 7
- Inventory Days
- 0
- Payable Days
- 0
- 7
- Debt to Equity (x)
- 4.41x
- Interest Coverage (x)
- 1.65x
- 10.99x
- Revenue Growth %
- 20.64%
- Operating Profit Growth %
- 18.02%
- Net Profit Growth %
- 35.29%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
- EPS (₹)
- 46.22
- Book Value (₹)
- 277.06
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 54.86
- Operating Margin %
- 62.37%
- Net Margin %
- 19.26%
- ROE %
- 20.19%
- ROCE %
- 12.21%
- 3.43%
- Debtor Days
- 4
- Inventory Days
- 0
- Payable Days
- 0
- 4
- Debt to Equity (x)
- 4.42x
- Interest Coverage (x)
- 1.66x
- 0.30x
- Revenue Growth %
- 23.94%
- Operating Profit Growth %
- 20.65%
- Net Profit Growth %
- 22.81%
- 17.21%
- P/E (x)
- 7.14x
- P/B (x)
- 1.23x
- Dividend Yield %
- 1.18%
- 8.33x
- EPS (₹)
- 8.92
- Book Value (₹)
- 288.46
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 18.06
- Operating Margin %
- 55.14%
- Net Margin %
- 5.66%
- ROE %
- 5.07%
- ROCE %
- 8.12%
- 0.89%
- Debtor Days
- 4
- Inventory Days
- 0
- Payable Days
- 0
- 4
- Debt to Equity (x)
- 4.17x
- Interest Coverage (x)
- 1.17x
- 0.25x
- Revenue Growth %
- -0.38%
- Operating Profit Growth %
- -14.59%
- Net Profit Growth %
- -70.71%
- -80.70%
- P/E (x)
- 36.68x
- P/B (x)
- 1.13x
- Dividend Yield %
- 0.00%
- 10.85x
- EPS (₹)
- 39.05
- Book Value (₹)
- 323.42
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 47.67
- Operating Margin %
- 60.38%
- Net Margin %
- 13.61%
- ROE %
- 13.97%
- ROCE %
- 11.11%
- 2.33%
- Debtor Days
- 3
- Inventory Days
- 0
- Payable Days
- 0
- 3
- Debt to Equity (x)
- 5.03x
- Interest Coverage (x)
- 1.42x
- 0.31x
- Revenue Growth %
- 30.75%
- Operating Profit Growth %
- 47.14%
- Net Profit Growth %
- 214.22%
- 337.65%
- P/E (x)
- 11.01x
- P/B (x)
- 1.33x
- Dividend Yield %
- 0.93%
- 9.78x
Documents
Announcements
- Credit Rating
2026-08-20 - IIFL Finance Limited has informed the Exchange about Credit Rating
- Investor Presentation
2026-08-18 - IIFL Finance Limited has informed the Exchange about Investor Presentation
Annual Reports
Credit Ratings
- Credit Rating
2026-08-20 - IIFL Finance Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-08-17 - IIFL Finance Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-08-06 - IIFL Finance Limited has informed the Exchange about Credit Rating
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