IIFL Finance Ltd.
•₹ 679.86.77%
2026-08-21
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
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 | 1095.15 | 33.58 | 681835.39 | 0.55 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1125.05 | 23.39 | 264722.41 | 0.96 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | CHOLAFIN | 1910.00 | 28.36 | 163126.61 | 0.10 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 4. | JIOFIN | 244.95 | 78.27 | 161743.95 | 0.24 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 5. | TATACAP | 365.60 | 28.72 | 155192.41 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11353.35 | 14.27 | 126355.42 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2972.00 | 10.49 | 119316.43 | 1.01 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 408.00 | 27.21 | 111671.47 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 314.90 | 24.80 | 78915.38 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 646.05 | 0.00 | 61480.86 | 0.39 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 691.85 | 26.41 | 57468.10 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | IIFL | 637.05 | 12.89 | 27098.90 | 0.63 | 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 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | |
| 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% |
Jun 2023
- 1,012
- 401
- Operating Profit
- —
- OPM %
- —
- Other Income
- 10
- Interest
- 388
- Depreciation
- 32
- 201
- Tax %
- 24.58%
- Net Profit
- 151
- 4
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 1,057
- 455
- Operating Profit
- —
- OPM %
- —
- Other Income
- 18
- Interest
- 408
- Depreciation
- 32
- 181
- Tax %
- 24.30%
- Net Profit
- 137
- 4
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 1,159
- 519
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 434
- Depreciation
- 33
- 177
- Tax %
- 25.49%
- Net Profit
- 132
- 3
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 1,386
- 716
- Operating Profit
- —
- OPM %
- —
- Other Income
- 12
- Interest
- 473
- Depreciation
- 38
- 172
- Tax %
- 4.03%
- Net Profit
- 165
- 4
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 76
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 1,019
- 583
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 437
- Depreciation
- 33
- -31
- Tax %
- 27.19%
- Net Profit
- -23
- -1
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 984
- 572
- Operating Profit
- —
- OPM %
- —
- Other Income
- 5
- Interest
- 387
- Depreciation
- 33
- -591
- Tax %
- 25.31%
- Net Profit
- -441
- -10
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- 940
- 457
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 433
- Depreciation
- 33
- 21
- Tax %
- 23.88%
- Net Profit
- 16
- 0
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- 1,138
- 461
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 592
- Depreciation
- 37
- 50
- Tax %
- 23.47%
- Net Profit
- 38
- 1
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 1,479
- 571
- Operating Profit
- —
- OPM %
- —
- Other Income
- 6
- Interest
- 701
- Depreciation
- 34
- 178
- Tax %
- 25.56%
- Net Profit
- 133
- 3
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 1,763
- 689
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 758
- Depreciation
- 36
- 284
- Tax %
- 25.68%
- Net Profit
- 211
- 5
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 1,951
- 684
- Operating Profit
- —
- OPM %
- —
- Other Income
- 5
- Interest
- 829
- Depreciation
- 41
- 403
- Tax %
- 25.26%
- Net Profit
- 301
- 7
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 2,283
- 609
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 985
- Depreciation
- 52
- 641
- Tax %
- 20.65%
- Net Profit
- 509
- 12
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 2,344
- 1,740
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1,037
- Depreciation
- 51
- 605
- Tax %
- 22.78%
- Net Profit
- 467
- 1
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 85
- Reserves
- 0
- Promoter Pledge %
- 0.00%
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 | 252 | 1,902 | 1,573 | 2,024 | 2,699 | 2,627 | 2,568 | 2,022 | 4,944 | — |
| OPM % | 99 | 103 | 64 | 59 | 60 | 66 | 65 | 56 | 50 | 66 | — |
| Other Income | 0 | 25 | 45 | 93 | 42 | 243 | 110 | 45 | 162 | 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 |
| 141 | 246 | 623 | 237 | 427 | 967 | 1,043 | 730 | -551 | 1,506 | 1,933 | |
| Tax % | 0 | 13 | 28 | 37 | 20 | 23 | 23 | 20 | 26 | 23 | 23 |
| Net Profit | 141 | 215 | 451 | 149 | 343 | 745 | 805 | 585 | -410 | 1,154 | 1,488 |
| EPS | 5 | 7 | 12 | 4 | 9 | 20 | 21 | 15 | -10 | 27 | — |
| Dividend Payout % | 102 | 74 | 35 | 57 | 33 | 18 | 19 | 26 | 0 | 15 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 4 | 7 | 14 | 4 | 9 | 19 | 21 | 15 | -10 | 27 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 4 | 7 | 14 | 4 | 9 | 19 | 21 | 15 | -10 | 27 | — |
Mar 2017
- 143
- 2
- Operating Profit
- 141
- OPM %
- 99
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 141
- Tax %
- 0
- Net Profit
- 141
- EPS
- 5
- Dividend Payout %
- 102
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2018
- 246
- 19
- Operating Profit
- 252
- OPM %
- 103
- Other Income
- 25
- Interest
- 5
- Depreciation
- 1
- 246
- Tax %
- 13
- Net Profit
- 215
- EPS
- 7
- Dividend Payout %
- 74
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
Mar 2019
- 2,953
- 1,096
- Operating Profit
- 1,902
- OPM %
- 64
- Other Income
- 45
- Interest
- 1,370
- Depreciation
- 24
- 623
- Tax %
- 28
- Net Profit
- 451
- EPS
- 12
- Dividend Payout %
- 35
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
Mar 2020
- 2,650
- 1,171
- Operating Profit
- 1,573
- OPM %
- 59
- Other Income
- 93
- Interest
- 1,251
- Depreciation
- 89
- 237
- Tax %
- 37
- Net Profit
- 149
- EPS
- 4
- Dividend Payout %
- 57
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2021
- 3,397
- 1,415
- Operating Profit
- 2,024
- OPM %
- 60
- Other Income
- 42
- Interest
- 1,559
- Depreciation
- 91
- 427
- Tax %
- 20
- Net Profit
- 343
- EPS
- 9
- Dividend Payout %
- 33
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
Mar 2022
- 4,080
- 1,624
- Operating Profit
- 2,699
- OPM %
- 66
- Other Income
- 243
- Interest
- 1,625
- Depreciation
- 106
- 967
- Tax %
- 23
- Net Profit
- 745
- EPS
- 20
- Dividend Payout %
- 18
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 19
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 19
Mar 2023
- 4,059
- 1,542
- Operating Profit
- 2,627
- OPM %
- 65
- Other Income
- 110
- Interest
- 1,460
- Depreciation
- 125
- 1,043
- Tax %
- 23
- Net Profit
- 805
- EPS
- 21
- Dividend Payout %
- 19
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
Mar 2024
- 4,605
- 2,082
- Operating Profit
- 2,568
- OPM %
- 56
- Other Income
- 45
- Interest
- 1,703
- Depreciation
- 135
- 730
- Tax %
- 20
- Net Profit
- 585
- EPS
- 15
- Dividend Payout %
- 26
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 15
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 15
Mar 2025
- 4,066
- 2,206
- Operating Profit
- 2,022
- OPM %
- 50
- Other Income
- 162
- Interest
- 1,849
- Depreciation
- 137
- -551
- Tax %
- 26
- Net Profit
- -410
- EPS
- -10
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -10
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -10
Mar 2026
- 7,448
- 2,566
- Operating Profit
- 4,944
- OPM %
- 66
- Other Income
- 62
- Interest
- 3,275
- Depreciation
- 163
- 1,506
- Tax %
- 23
- Net Profit
- 1,154
- EPS
- 27
- Dividend Payout %
- 15
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 27
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 27
TTM
- 8,342
- 3,722
- Operating Profit
- —
- OPM %
- —
- Other Income
- 13
- Interest
- 3,609
- Depreciation
- 180
- 1,933
- Tax %
- 23
- Net Profit
- 1,488
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
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:
- 20%
- 3 Years:
- 5%
- 1 Year:
- 48%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| 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 | 4,670 | 3,087 | 4,458 | 2,311 | 1,194 | 6,439 | 8,445 | 15,479 | |
| Trade Payables | 1 | 1 | 53 | 48 | 66 | 96 | 132 | 140 | 93 | 166 |
| 389 | 15 | 9,293 | 12,423 | 13,675 | 16,158 | 17,621 | 15,363 | 16,856 | 26,357 | |
| Total Liabilities | 1,890 | 1,493 | 17,537 | 19,147 | 22,004 | 22,978 | 24,052 | 27,495 | 31,819 | 49,449 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 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 |
| Total Debt | 50 | 0 | 13,031 | 14,381 | 16,300 | 16,246 | 17,380 | 19,986 | 24,524 | 38,740 |
| Net Working Capital | 19 | 17 | 9,997 | 12,690 | 13,195 | 14,324 | 15,962 | -5,620 | -7,264 | -14,748 |
| Contingent Liabilities | 37 | 6,080 | 2,656 | 1,812 | 1,311 | 968 | 670 | 503 | 1,154 | 633 |
| Book Value per Share | 47.17 | 46.31 | 110.31 | 94.90 | 100.43 | 116.25 | 134.19 | 145.53 | 151.34 | 175.09 |
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Total Debt | 50 | 0 | 13,031 | 14,381 | 16,300 | 16,246 | 17,380 | 19,986 | 24,524 | 38,740 |
| Net Working Capital | 19 | 17 | 9,997 | 12,690 | 13,195 | 14,324 | 15,962 | -5,620 | -7,264 | -14,748 |
| Contingent Liabilities | 37 | 6,080 | 2,656 | 1,812 | 1,311 | 968 | 670 | 503 | 1,154 | 633 |
| Book Value per Share | 47.17 | 46.31 | 110.31 | 94.90 | 100.43 | 116.25 | 134.19 | 145.53 | 151.34 | 175.09 |
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
Mar 2017
- Equity Capital
- 64
- 1,436
- 0
- Trade Payables
- 1
- 389
- Total Liabilities
- 1,890
- 2
- Capital Work in Progress
- 0
- 1,522
- 0
- Cash & Bank
- 9
- 357
- Total Assets
- 1,890
- Total Debt
- 50
- Net Working Capital
- 19
- Contingent Liabilities
- 37
- Book Value per Share
- 47.17
- Face Value
- 2.00
- Total Debt
- 50
- Net Working Capital
- 19
- Contingent Liabilities
- 37
- Book Value per Share
- 47.17
- Face Value
- 2.00
Mar 2018
- Equity Capital
- 64
- 1,413
- 0
- Trade Payables
- 1
- 15
- Total Liabilities
- 1,493
- 3
- Capital Work in Progress
- 0
- 1,419
- 0
- Cash & Bank
- 25
- 47
- Total Assets
- 1,493
- Total Debt
- 0
- Net Working Capital
- 17
- Contingent Liabilities
- 6,080
- Book Value per Share
- 46.31
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 17
- Contingent Liabilities
- 6,080
- Book Value per Share
- 46.31
- Face Value
- 2.00
Mar 2019
- Equity Capital
- 64
- 3,457
- 4,670
- Trade Payables
- 53
- 9,293
- Total Liabilities
- 17,537
- 90
- Capital Work in Progress
- 6
- 1,305
- 0
- Cash & Bank
- 1,420
- 14,716
- Total Assets
- 17,537
- Total Debt
- 13,031
- Net Working Capital
- 9,997
- Contingent Liabilities
- 2,656
- Book Value per Share
- 110.31
- Face Value
- 2.00
- Total Debt
- 13,031
- Net Working Capital
- 9,997
- Contingent Liabilities
- 2,656
- Book Value per Share
- 110.31
- Face Value
- 2.00
Mar 2020
- Equity Capital
- 76
- 3,515
- 3,087
- Trade Payables
- 48
- 12,423
- Total Liabilities
- 19,147
- 350
- Capital Work in Progress
- 2
- 1,959
- 0
- Cash & Bank
- 1,651
- 15,185
- Total Assets
- 19,147
- Total Debt
- 14,381
- Net Working Capital
- 12,690
- Contingent Liabilities
- 1,812
- Book Value per Share
- 94.90
- Face Value
- 2.00
- Total Debt
- 14,381
- Net Working Capital
- 12,690
- Contingent Liabilities
- 1,812
- Book Value per Share
- 94.90
- Face Value
- 2.00
Mar 2021
- Equity Capital
- 76
- 3,729
- 4,458
- Trade Payables
- 66
- 13,675
- Total Liabilities
- 22,004
- 376
- Capital Work in Progress
- 7
- 1,204
- 0
- Cash & Bank
- 3,592
- 16,825
- Total Assets
- 22,004
- Total Debt
- 16,300
- Net Working Capital
- 13,195
- Contingent Liabilities
- 1,311
- Book Value per Share
- 100.43
- Face Value
- 2.00
- Total Debt
- 16,300
- Net Working Capital
- 13,195
- Contingent Liabilities
- 1,311
- Book Value per Share
- 100.43
- Face Value
- 2.00
Mar 2022
- Equity Capital
- 76
- 4,337
- 2,311
- Trade Payables
- 96
- 16,158
- Total Liabilities
- 22,978
- 434
- Capital Work in Progress
- 6
- 2,449
- 0
- Cash & Bank
- 5,609
- 14,481
- Total Assets
- 22,978
- Total Debt
- 16,246
- Net Working Capital
- 14,324
- Contingent Liabilities
- 968
- Book Value per Share
- 116.25
- Face Value
- 2.00
- Total Debt
- 16,246
- Net Working Capital
- 14,324
- Contingent Liabilities
- 968
- Book Value per Share
- 116.25
- Face Value
- 2.00
Mar 2023
- Equity Capital
- 76
- 5,029
- 1,194
- Trade Payables
- 132
- 17,621
- Total Liabilities
- 24,052
- 479
- Capital Work in Progress
- 27
- 3,780
- 0
- Cash & Bank
- 3,171
- 16,595
- Total Assets
- 24,052
- Total Debt
- 17,380
- Net Working Capital
- 15,962
- Contingent Liabilities
- 670
- Book Value per Share
- 134.19
- Face Value
- 2.00
- Total Debt
- 17,380
- Net Working Capital
- 15,962
- Contingent Liabilities
- 670
- Book Value per Share
- 134.19
- Face Value
- 2.00
Mar 2024
- Equity Capital
- 76
- 5,477
- 6,439
- Trade Payables
- 140
- 15,363
- Total Liabilities
- 27,495
- 500
- Capital Work in Progress
- 52
- 5,157
- 42
- Cash & Bank
- 1,830
- 19,914
- Total Assets
- 27,495
- Total Debt
- 19,986
- Net Working Capital
- -5,620
- Contingent Liabilities
- 503
- Book Value per Share
- 145.53
- Face Value
- 2.00
- Total Debt
- 19,986
- Net Working Capital
- -5,620
- Contingent Liabilities
- 503
- Book Value per Share
- 145.53
- Face Value
- 2.00
Mar 2025
- Equity Capital
- 85
- 6,340
- 8,445
- Trade Payables
- 93
- 16,856
- Total Liabilities
- 31,819
- 475
- Capital Work in Progress
- 22
- 5,458
- 49
- Cash & Bank
- 1,361
- 24,454
- Total Assets
- 31,819
- Total Debt
- 24,524
- Net Working Capital
- -7,264
- Contingent Liabilities
- 1,154
- Book Value per Share
- 151.34
- Face Value
- 2.00
- Total Debt
- 24,524
- Net Working Capital
- -7,264
- Contingent Liabilities
- 1,154
- Book Value per Share
- 151.34
- Face Value
- 2.00
Mar 2026
- Equity Capital
- 85
- 7,362
- 15,479
- Trade Payables
- 166
- 26,357
- Total Liabilities
- 49,449
- 517
- Capital Work in Progress
- 6
- 5,844
- 26
- Cash & Bank
- 1,923
- 41,133
- Total Assets
- 49,449
- Total Debt
- 38,740
- Net Working Capital
- -14,748
- Contingent Liabilities
- 633
- Book Value per Share
- 175.09
- Face Value
- 2.00
- Total Debt
- 38,740
- Net Working Capital
- -14,748
- Contingent Liabilities
- 633
- Book Value per Share
- 175.09
- Face Value
- 2.00
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 87 | 55 | 2,539 | 109 | -795 | 3,556 | -1,756 | -3,303 | -4,791 | -13,221 | |
| 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 | |
| Free Cash Flow | 87 | 55 | 2,410 | -176 | -851 | 3,463 | -1,872 | -3,445 | -4,791 | -13,398 |
| OCF / Net Profit | 0.62 | 0.26 | 5.63 | 0.73 | -2.32 | 4.77 | -2.18 | -5.65 | 11.70 | -11.46 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 1,525 | 4,902 | 2,975 | -2,881 | -7,496 | -20,044 |
| OCF / Net Profit | 0.62 | 0.26 | 5.63 | 0.73 | -2.32 | 4.77 | -2.18 | -5.65 | 11.70 | -11.46 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 1,525 | 4,902 | 2,975 | -2,881 | -7,496 | -20,044 |
Mar 2017
- 87
- Cash from Investing
- 52
- Cash from Financing
- -134
- 5
- Free Cash Flow
- 87
- OCF / Net Profit
- 0.62
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.62
- Cumulative 5-Year FCF
- 0
Mar 2018
- 55
- Cash from Investing
- 177
- Cash from Financing
- -217
- 15
- Free Cash Flow
- 55
- OCF / Net Profit
- 0.26
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.26
- Cumulative 5-Year FCF
- 0
Mar 2019
- 2,539
- Cash from Investing
- 209
- Cash from Financing
- -2,488
- 260
- Free Cash Flow
- 2,410
- OCF / Net Profit
- 5.63
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 5.63
- Cumulative 5-Year FCF
- 0
Mar 2020
- 109
- Cash from Investing
- -722
- Cash from Financing
- 805
- 192
- Free Cash Flow
- -176
- OCF / Net Profit
- 0.73
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.73
- Cumulative 5-Year FCF
- 0
Mar 2021
- -795
- Cash from Investing
- 459
- Cash from Financing
- 1,782
- 1,446
- Free Cash Flow
- -851
- OCF / Net Profit
- -2.32
- Cumulative 5-Year FCF
- 1,525
- OCF / Net Profit
- -2.32
- Cumulative 5-Year FCF
- 1,525
Mar 2022
- 3,556
- Cash from Investing
- -927
- Cash from Financing
- -324
- 2,305
- Free Cash Flow
- 3,463
- OCF / Net Profit
- 4.77
- Cumulative 5-Year FCF
- 4,902
- OCF / Net Profit
- 4.77
- Cumulative 5-Year FCF
- 4,902
Mar 2023
- -1,756
- Cash from Investing
- -1,468
- Cash from Financing
- 631
- -2,594
- Free Cash Flow
- -1,872
- OCF / Net Profit
- -2.18
- Cumulative 5-Year FCF
- 2,975
- OCF / Net Profit
- -2.18
- Cumulative 5-Year FCF
- 2,975
Mar 2024
- -3,303
- Cash from Investing
- -337
- Cash from Financing
- 2,742
- -898
- Free Cash Flow
- -3,445
- OCF / Net Profit
- -5.65
- Cumulative 5-Year FCF
- -2,881
- OCF / Net Profit
- -5.65
- Cumulative 5-Year FCF
- -2,881
Mar 2025
- -4,791
- Cash from Investing
- -1,250
- Cash from Financing
- 5,706
- -336
- Free Cash Flow
- -4,791
- OCF / Net Profit
- 11.70
- Cumulative 5-Year FCF
- -7,496
- OCF / Net Profit
- 11.70
- Cumulative 5-Year FCF
- -7,496
Mar 2026
- -13,221
- Cash from Investing
- -271
- Cash from Financing
- 14,286
- 794
- Free Cash Flow
- -13,398
- OCF / Net Profit
- -11.46
- Cumulative 5-Year FCF
- -20,044
- OCF / Net Profit
- -11.46
- Cumulative 5-Year FCF
- -20,044
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 4.42 | 6.73 | 14.13 | 3.93 | 9.04 | 19.64 | 21.17 | 15.33 | -9.65 | 27.12 |
| Book Value (₹) | 47.17 | 46.31 | 110.31 | 94.90 | 100.43 | 116.25 | 134.19 | 145.53 | 151.34 | 175.09 |
| 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 (₹) | 4.30 | 6.57 | 14.46 | 6.12 | 11.11 | 21.80 | 23.75 | 18.32 | -6.42 | 30.96 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 98.78% | 102.53% | 64.41% | 59.35% | 59.59% | 66.15% | 64.73% | 54.80% | 45.75% | 65.55% |
| Net Margin % | 98.65% | 87.18% | 15.27% | 5.62% | 10.08% | 18.27% | 19.85% | 12.70% | -10.07% | 15.49% |
| ROE % | 9.46% | 14.43% | 18.05% | 4.18% | 9.26% | 18.14% | 16.93% | 10.97% | -6.84% | 16.63% |
| ROCE % | 9.15% | 16.58% | 22.08% | 8.61% | 10.43% | 12.71% | 11.59% | 10.12% | 4.59% | 12.36% |
| 7.53% | 12.69% | 4.74% | 0.81% | 1.66% | 3.31% | 3.43% | 2.27% | -1.38% | 2.84% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 8 | 3 | 125 | 140 | 9 | 14 | 11 | 5 | 4 | 2 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 3 | 125 | 140 | 9 | 14 | 11 | 5 | 4 | 2 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 0.03x | 0.00x | 3.70x | 4.01x | 4.28x | 3.68x | 3.40x | 3.60x | 3.82x | 5.20x |
| Interest Coverage (x) | 0.00x | 49.73x | 1.45x | 1.19x | 1.27x | 1.60x | 1.71x | 1.43x | 0.70x | 1.46x |
| 1.21x | 2.03x | 2.71x | 4.03x | 3.11x | 4.20x | 7.50x | 0.30x | 0.21x | 0.20x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | -32.54% | 72.69% | 1099.26% | -10.28% | 28.22% | 20.09% | -0.52% | 13.46% | -11.70% | 83.17% |
| Operating Profit Growth % | -28.61% | 79.23% | 653.38% | -17.33% | 28.74% | 33.32% | -2.66% | -2.25% | -21.26% | 144.51% |
| Net Profit Growth % | -18.41% | 52.61% | 110.08% | -67.01% | 130.22% | 117.61% | 8.05% | -27.40% | -170.04% | 381.64% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -27.61% | -162.95% | 381.11% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 21.54x | 0.00x | 15.84x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.34x | 2.16x | 2.45x |
| 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 | 12.12x | 18.33x | 11.14x |
Mar 2017
- EPS (₹)
- 4.42
- Book Value (₹)
- 47.17
- Dividend per Share (₹)
- 4.50
- Cash EPS (₹)
- 4.30
- Operating Margin %
- 98.78%
- Net Margin %
- 98.65%
- ROE %
- 9.46%
- ROCE %
- 9.15%
- 7.53%
- Debtor Days
- 8
- Inventory Days
- 0
- Payable Days
- 0
- 8
- Debt to Equity (x)
- 0.03x
- Interest Coverage (x)
- 0.00x
- 1.21x
- Revenue Growth %
- -32.54%
- Operating Profit Growth %
- -28.61%
- Net Profit Growth %
- -18.41%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 6.73
- Book Value (₹)
- 46.31
- Dividend per Share (₹)
- 5.00
- Cash EPS (₹)
- 6.57
- Operating Margin %
- 102.53%
- Net Margin %
- 87.18%
- ROE %
- 14.43%
- ROCE %
- 16.58%
- 12.69%
- Debtor Days
- 3
- Inventory Days
- 0
- Payable Days
- 0
- 3
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 49.73x
- 2.03x
- Revenue Growth %
- 72.69%
- Operating Profit Growth %
- 79.23%
- Net Profit Growth %
- 52.61%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 14.13
- Book Value (₹)
- 110.31
- Dividend per Share (₹)
- 5.00
- Cash EPS (₹)
- 14.46
- Operating Margin %
- 64.41%
- Net Margin %
- 15.27%
- ROE %
- 18.05%
- ROCE %
- 22.08%
- 4.74%
- Debtor Days
- 125
- Inventory Days
- 0
- Payable Days
- 0
- 125
- Debt to Equity (x)
- 3.70x
- Interest Coverage (x)
- 1.45x
- 2.71x
- Revenue Growth %
- 1099.26%
- Operating Profit Growth %
- 653.38%
- Net Profit Growth %
- 110.08%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 3.93
- Book Value (₹)
- 94.90
- Dividend per Share (₹)
- 2.25
- Cash EPS (₹)
- 6.12
- Operating Margin %
- 59.35%
- Net Margin %
- 5.62%
- ROE %
- 4.18%
- ROCE %
- 8.61%
- 0.81%
- Debtor Days
- 140
- Inventory Days
- 0
- Payable Days
- 0
- 140
- Debt to Equity (x)
- 4.01x
- Interest Coverage (x)
- 1.19x
- 4.03x
- Revenue Growth %
- -10.28%
- Operating Profit Growth %
- -17.33%
- Net Profit Growth %
- -67.01%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 9.04
- Book Value (₹)
- 100.43
- Dividend per Share (₹)
- 3.00
- Cash EPS (₹)
- 11.11
- Operating Margin %
- 59.59%
- Net Margin %
- 10.08%
- ROE %
- 9.26%
- ROCE %
- 10.43%
- 1.66%
- Debtor Days
- 9
- Inventory Days
- 0
- Payable Days
- 0
- 9
- Debt to Equity (x)
- 4.28x
- Interest Coverage (x)
- 1.27x
- 3.11x
- Revenue Growth %
- 28.22%
- Operating Profit Growth %
- 28.74%
- Net Profit Growth %
- 130.22%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 19.64
- Book Value (₹)
- 116.25
- Dividend per Share (₹)
- 3.50
- Cash EPS (₹)
- 21.80
- Operating Margin %
- 66.15%
- Net Margin %
- 18.27%
- ROE %
- 18.14%
- ROCE %
- 12.71%
- 3.31%
- Debtor Days
- 14
- Inventory Days
- 0
- Payable Days
- 0
- 14
- Debt to Equity (x)
- 3.68x
- Interest Coverage (x)
- 1.60x
- 4.20x
- Revenue Growth %
- 20.09%
- Operating Profit Growth %
- 33.32%
- Net Profit Growth %
- 117.61%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 21.17
- Book Value (₹)
- 134.19
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 23.75
- Operating Margin %
- 64.73%
- Net Margin %
- 19.85%
- ROE %
- 16.93%
- ROCE %
- 11.59%
- 3.43%
- Debtor Days
- 11
- Inventory Days
- 0
- Payable Days
- 0
- 11
- Debt to Equity (x)
- 3.40x
- Interest Coverage (x)
- 1.71x
- 7.50x
- Revenue Growth %
- -0.52%
- Operating Profit Growth %
- -2.66%
- Net Profit Growth %
- 8.05%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 15.33
- Book Value (₹)
- 145.53
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 18.32
- Operating Margin %
- 54.80%
- Net Margin %
- 12.70%
- ROE %
- 10.97%
- ROCE %
- 10.12%
- 2.27%
- Debtor Days
- 5
- Inventory Days
- 0
- Payable Days
- 0
- 5
- Debt to Equity (x)
- 3.60x
- Interest Coverage (x)
- 1.43x
- 0.30x
- Revenue Growth %
- 13.46%
- Operating Profit Growth %
- -2.25%
- Net Profit Growth %
- -27.40%
- -27.61%
- P/E (x)
- 21.54x
- P/B (x)
- 2.34x
- Dividend Yield %
- 1.18%
- 12.12x
Mar 2025
- EPS (₹)
- -9.65
- Book Value (₹)
- 151.34
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- -6.42
- Operating Margin %
- 45.75%
- Net Margin %
- -10.07%
- ROE %
- -6.84%
- ROCE %
- 4.59%
- -1.38%
- Debtor Days
- 4
- Inventory Days
- 0
- Payable Days
- 0
- 4
- Debt to Equity (x)
- 3.82x
- Interest Coverage (x)
- 0.70x
- 0.21x
- Revenue Growth %
- -11.70%
- Operating Profit Growth %
- -21.26%
- Net Profit Growth %
- -170.04%
- -162.95%
- P/E (x)
- 0.00x
- P/B (x)
- 2.16x
- Dividend Yield %
- 0.00%
- 18.33x
Mar 2026
- EPS (₹)
- 27.12
- Book Value (₹)
- 175.09
- Dividend per Share (₹)
- 4.00
- Cash EPS (₹)
- 30.96
- Operating Margin %
- 65.55%
- Net Margin %
- 15.49%
- ROE %
- 16.63%
- ROCE %
- 12.36%
- 2.84%
- Debtor Days
- 2
- Inventory Days
- 0
- Payable Days
- 0
- 2
- Debt to Equity (x)
- 5.20x
- Interest Coverage (x)
- 1.46x
- 0.20x
- Revenue Growth %
- 83.17%
- Operating Profit Growth %
- 144.51%
- Net Profit Growth %
- 381.64%
- 381.11%
- P/E (x)
- 15.84x
- P/B (x)
- 2.45x
- Dividend Yield %
- 0.93%
- 11.14x
Documents
Announcements
- Credit Rating
2026-08-21 - IIFL Finance Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-08-20 - IIFL Finance Limited has informed the Exchange about Credit Rating
Annual Reports
Credit Ratings
- Credit Rating
2026-08-21 - IIFL Finance Limited has informed the Exchange about Credit Rating
- 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
Concalls
Aug 2026
Jul 2026
Jun 2026