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IIFL Finance

IIFL NSE
₹578.20 +36.65 (+6.77%)
P/E
9.88
View as Markdown
MCP
Close 4 Nov 2026 ₹578.20 +57.45 +11.0% 1Y
Start ₹520.75

Key Fundamentals

SmallcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
5.47
EPS (TTM)
₹58.55
Book Value
₹361.58
Market Cap
—
P/E (TTM)
9.88
P/B
1.60
ROE
12.60%
Dividend Yield
0.74%
52W High
₹705.00
52W Low
₹409.10
Day Range
₹541.50 – ₹585.00
Volume
20,82,632
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

IIFL Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
IIFL Finance (this company)
₹578.209.88₹23,709 Cr1.600.74%12.60%—₹15,286 Cr₹2,642 Cr
Median 8 companies₹743.4821.95₹1,22,695 Cr2.710.68%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

60 Good

Data confidence 94/100

Category scores

Quality
46
Average
Returns, margins, earnings quality 22% weight
Valuation
64
Good
Cheap vs sector & own history 24% weight
Growth
93
Strong
Sales & profit trajectory 9% weight
Financial Health
29
Poor
Solvency, leverage, coverage 9% weight
Momentum
75
Strong
Trend strength, vol-adjusted 12% weight
Ownership
64
Good
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company is expected to give good quarter

Weaknesses

3
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.5% over last 3 years.
  • Dividend payout has been low at 6.30% of profits over last 3 years

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBullish559
OscillatorsNeutral252
Moving AveragesStrong Bullish307

Key readings

RSI (14)
50.87
Neutral
MACD (12,26,9)
−15.03
Bullish
SMA (50)
602.28
Bearish
SMA (200)
537.22
Bullish

As of

Analyst Rating

Based on 6 analysts
BUY83%

5 of 6 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
5
83%
HOLD
1
17%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
10Y+12.96%
5Y+17.50%
3Y+16.54%
1Y+30.62%
TTM+35.35%

Net profit

Net profit growth by window
10Y+12.59%
5Y+19.01%
3Y+4.16%
1Y+214.36%
TTM+157.76%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹3,163 Cr
Mar 2018₹6,405 Cr
Mar 2019₹4,978 Cr
Mar 2020₹4,847 Cr
Mar 2021₹5,968 Cr
Mar 2022₹6,991 Cr
Mar 2023₹8,444 Cr
Mar 2024₹10,472 Cr
Mar 2025₹10,233 Cr
Mar 2026₹13,366 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹822 Cr
Mar 2018₹1,021 Cr
Mar 2019₹796 Cr
Mar 2020₹503 Cr
Mar 2021₹761 Cr
Mar 2022₹1,188 Cr
Mar 2023₹1,608 Cr
Mar 2024₹1,974 Cr
Mar 2025₹578 Cr
Mar 2026₹1,817 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹68.74
Reported High Mean Low

Analyst consensus here uses a different definition from reported eps (they differ 1.5× on periods where both exist), so the forecast is shown on its own rather than joined to the reported line.

AI Analysis — Bull vs Bear

Figures as of 4 Nov 2026
AI opinion · based on fundamentals
Risk high

IIFL Finance Ltd trades at ₹578.2 as of 2026-11-04 with a market cap of ₹23,709.4 crore. The stock carries a P/E of 9.88 and P/B of 1.6, with TTM profit growth of 191% but a 3-year compounded profit growth of only 3%, reflecting an uneven earnings trajectory. Return on equity stands at 11.63%, below the 10-year average of 14%.

Bull Case 7
  • TTM revenue growth of 35% signals strong near-term business momentum in the lending franchise.
  • TTM profit growth of 191% indicates a sharp recovery in earnings, suggesting prior headwinds may be receding.
  • 10-year compounded sales growth of 13% and 5-year compounded sales growth of 18% demonstrate a consistent ability to scale the loan book over extended periods.
  • 5-year compounded profit growth of 17% shows the company has delivered meaningful earnings expansion over medium-term horizons despite near-term volatility.
  • The stock has delivered a 1-year return of 23% and a 10-year CAGR of 17%, reflecting long-term wealth creation for patient holders.
  • At ₹578.2, the stock sits well above its 52-week low of ₹409.1, representing a recovery of roughly 41% from that trough, suggesting renewed investor confidence.
  • The company is expected to deliver a good upcoming quarter, which could act as a near-term positive catalyst.
Bear Case 8
  • 3-year compounded profit growth of just 3% highlights earnings inconsistency and suggests the 191% TTM surge may partly be a base-effect recovery rather than structural improvement.
  • Return on equity of 11.63% is below the company's own 10-year average ROE of 14%, indicating capital efficiency has deteriorated.
  • 3-year average ROE of approximately 11.5-12% is low for a lending business and limits the pace of intrinsic value compounding.
  • Low interest coverage ratio raises concerns about the company's ability to comfortably service debt obligations, a critical risk for a leveraged financial services firm.
  • Dividend payout of just 6.30% of profits over the last three years, with a current yield of only 0.74%, offers minimal income return to shareholders.
  • The stock trades roughly 18% below its 52-week high of ₹705, indicating possible resistance at higher levels and recent loss of momentum.
  • 3-year stock CAGR of -1% means investors who bought three years ago have seen no capital appreciation, despite the recent rally.
  • P/B of 1.6 paired with a current ROE of 11.63% implies the market is pricing in improvement that has yet to be sustained, creating downside risk if earnings normalise lower.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: IIFL Finance delivered a standout Q2FY27 with 93% profit growth, sharp asset quality improvement (GNPA down to 0.90%), and 38% AUM expansion led by gold loans. Key risks include a ₹963 crore tax demand on a subsidiary and Fairfax's likely stake exit due to IDBI Bank regulatory constraints. The planned 10-20% equity dilution will bolster capital but could weigh on near-term sentiment. Overall trajectory is strongly improving on fundamentals, though overhang from the tax demand and ownership transition bears watching.

Headwinds 3
  • Subsidiary faces ₹963cr tax demand Oct 16

    IIFL Finance shares fell 4% after a subsidiary received a ₹963 crore tax demand, raising concerns over financial impact and future cash flows.

  • Fairfax likely to exit stake Oct 18

    Fairfax Financial Holdings is expected to reduce or exit its IIFL Finance stake due to regulatory constraints from its proposed 60% acquisition of IDBI Bank. Timeline remains undecided.

  • SEBI fines IIFL Capital ₹2 lakh Oct 13

    SEBI penalised IIFL Capital Services for 280 off-exchange bond trades worth ₹9.59 crore and missing written agreements with third-party sellers on its online bond platform.

Positives 5
  • Q2 profit surges 93% YoY Oct 15

    IIFL Finance reported record Q2FY27 consolidated PAT of ₹805 crore (vs ₹735 crore estimate), with total income up 23% YoY to ₹4,246 crore and ROE reaching 20.8%.

  • Gold loan AUM jumps 90% Oct 15

    Gold loan AUM surged 90% YoY to ₹65,729 crore, now 53% of the total portfolio. Consolidated AUM grew 38% YoY to ₹1,24,268 crore.

  • Asset quality improves sharply Oct 15

    GNPA improved to 0.90% from 2.1% YoY, provisions fell to ₹280.8 crore from ₹500.3 crore, and provision coverage ratio stood strong at 91%.

Neutral 4
  • Plans 10-20% equity dilution Oct 18

    IIFL Finance plans to raise ₹2,500-5,000 crore by selling a 10-20% stake to a minority investor, with promoters potentially subscribing to warrants to limit dilution.

  • Theleme sells ₹109cr IIFL Capital stake Oct 29

    Theleme Partners offloaded 31.24 lakh shares (0.99% stake) in IIFL Capital Services at ₹348.01 per share via bulk deal. Stock closed 0.45% higher at ₹347.75.

  • NCD interest payments on schedule Nov 2

    IIFL Finance paid interest exceeding ₹6 crore across eight public NCD series due November 1, 2026, with payment on November 2 as the due date was a non-working day.

Quarterly Results

₹ Cr
IIFL quarterly results, ₹ crore
Particulars Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue
2,478
2,647
2,854
2,613
2,572
2,443
2,591
2,953
3,305
3,427
3,692
3,919
4,246
Expenses
877
948
1,255
1,109
1,105
1,307
1,065
1,267
1,323
1,280
1,194
1,211
1,203
Financing Profit
670
715
536
470
488
140
357
397
600
710
889
989
1,135
Fin. Margin %
27%
27%
19%
18%
19%
6%
14%
13%
18%
21%
24%
25%
27%
Other Income
58.03
46.88
68.55
12
−582
6
3
6
4
5
7
3
2
Interest
932
985
1,063
1,034
979
996
1,169
1,289
1,382
1,437
1,610
1,719
1,909
Depreciation
43
45
50
46
46
46
51
47
47
53
64
63
63
PBT
684
716
554
436
−140
101
309
356
557
663
833
929
1,074
Tax %
23%
24%
22%
22%
−33%
19%
19%
23%
25%
24%
25%
23%
25%
Net Profit
526
545
431
338
−93
82
251
274
418
501
623
713
805
EPS (₹)
11.2
11.58
8.81
6.79
−3.72
0.96
4.89
5.49
8.86
10.92
13.8
15.87
17.96
Gross NPA %
1.84%
1.71%
2.32%
2.25%
2.35%
2.42%
2.23%
2.34%
2.14%
1.6%
1.46%
1.55%
—
Net NPA %
1.02%
0.87%
1.2%
1.11%
1.06%
1.01%
1.05%
1.13%
1.02%
0.75%
0.73%
0.82%
—

Profit & Loss

₹ Cr
IIFL profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
3,551
3,952
3,163
6,405
4,978
4,847
5,968
6,991
8,444
10,472
10,233
13,366
15,286
Expenses
1,319
1,362
689
2,221
1,435
1,682
2,239
2,355
2,936
3,842
4,559
5,018
4,887
Financing Profit
787
900
689
1,454
950
752
1,090
1,625
2,263
2,734
1,478
2,612
3,723
Fin. Margin %
22%
23%
22%
23%
19%
16%
18%
23%
27%
26%
14%
20%
24%
Other Income
−4
8
375
61
212
79
20
32
2
18
−583
7
17
Interest
1,445
1,690
1,786
2,730
2,593
2,413
2,638
3,011
3,245
3,896
4,196
5,736
6,675
Depreciation
59
66
16
67
32
106
106
122
153
181
189
211
243
PBT
724
843
1,048
1,448
1,130
725
1,005
1,536
2,113
2,572
707
2,409
3,498
Tax %
34%
34%
22%
30%
30%
31%
24%
23%
24%
23%
18%
25%
—
Net Profit
476
555
822
1,021
796
503
761
1,188
1,608
1,974
578
1,817
2,643
EPS (₹)
12.98
14.53
19.42
22.42
22.4
11.94
18.06
28.16
35.49
41.6
8.92
39.05
58.55
Div. Payout %
21%
26%
21%
20%
20%
17%
15%
11%
10%
9%
0%
10%
—

Balance Sheet

₹ Cr
IIFL balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital
62
63
64
64
64
76
76
76
76
76
85
85
85
Reserves
2,496
3,289
4,318
4,679
4,290
4,684
5,312
6,388
8,916
10,561
12,327
13,835
15,347
Borrowing
14,639
15,948
24,330
34,326
26,517
27,996
32,583
36,086
40,017
47,136
51,068
69,176
84,360
Other Liabilities
2,221
3,566
5,049
5,426
2,368
1,617
2,696
3,360
3,993
4,630
4,164
5,891
4,681
Total Liabilities
19,418
22,866
33,761
44,495
33,239
34,373
40,667
45,910
53,002
62,403
67,644
88,987
1,04,474
Fixed Assets
500
533
656
871
369
607
675
775
862
905
1,487
1,514
1,583
CWIP
10
6
71
110
7
2
7
6
28
52
23
6
15
Investments
1,283
1,867
4,153
2,150
212
770
32
1,192
3,511
4,059
4,438
6,092
6,183
Other Assets
17,624
20,461
28,881
41,365
32,651
32,994
39,954
43,937
48,602
57,387
61,696
81,375
96,693
Total Assets
19,418
22,866
33,761
44,495
33,239
34,373
40,667
45,910
53,002
62,403
67,644
88,987
1,04,474

Cash Flow

₹ Cr
IIFL cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−2,126
−54
−4,329
−10,483
422
1,101
−3,587
1,784
−5,225
−8,716
−4,781
−13,976
Investing
−361
−671
−2,602
−374
562
−919
236
−996
−2,716
468
−1,149
−2,606
Financing
2,904
525
9,094
8,468
20
109
4,428
2,781
5,361
7,088
5,526
17,843
Net Cash Flow
417
−200
2,162
−2,389
1,004
290
1,077
3,569
−2,580
−1,160
−403
1,262
Free Cash Flow
−2,211
−131
−4,343
−10,654
355
1,052
−3,621
1,684
−5,484
−8,804
−4,839
−14,056

Ratios

IIFL financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
17%
18%
17%
16%
11%
15%
20%
19%
18%
5%
13%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view IIFL Finance insights

58 extracted metrics across FY07–FY27.

Shareholding Pattern

As of Sep 2026

  • FIIs 25.64%
  • Others 25.38%
  • Promoters 24.76%
  • Public 16.37%
  • DIIs 7.85%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about IIFL Finance

What does IIFL Finance Ltd do?
IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.
Where is IIFL Finance Ltd (IIFL) listed?
IIFL Finance Ltd trades as IIFL on the NSE and under code 532636 on the BSE.
Which sector does IIFL Finance Ltd belong to?
IIFL Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of IIFL Finance Ltd?
IIFL Finance Ltd trades at a PE ratio of 9.88 as of 4 Nov 2026, on earnings per share of ₹58.55, against a book value of ₹361.58 per share.
What is the 52-week high and low of IIFL Finance Ltd?
Over the last 52 weeks IIFL Finance Ltd has traded between ₹409.1 and ₹705 as of 4 Nov 2026.
Does IIFL Finance Ltd pay dividends?
IIFL Finance Ltd has a dividend yield of 0.74%.
What is the Return on Equity (ROE) of IIFL Finance Ltd?
IIFL Finance Ltd reported a return on equity of 12.60%. Its debt-to-equity ratio is 5.47.

Company Information

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.

Website iifl.com
CEO Mr. Rajamani Venkatraman B.Tech, MBA
Employees 14,782
Listed 17 May 2005
Face Value ₹2

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