Finance
Valuation | |
|---|---|
| Market Cap | 21.64 kCr |
| Price/Earnings (Trailing) | 16.88 |
| Price/Sales (Trailing) | 1.76 |
| EV/EBITDA | 2.6 |
| Price/Free Cashflow | -4.38 |
| MarketCap/EBT | 11.48 |
| Enterprise Value | 19.1 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -2.5% |
| Price Change 1M | -20.6% |
| Price Change 6M | 12% |
| Price Change 1Y | 46.9% |
| 3Y Cumulative Return | 0.10% |
| 5Y Cumulative Return | 20.8% |
| 7Y Cumulative Return | 13.4% |
| 10Y Cumulative Return | 17.3% |
| Revenue (TTM) |
| 12.3 kCr |
| Rev. Growth (Yr) | 40.2% |
| Earnings (TTM) | 1.44 kCr |
| Earnings Growth (Yr) | 513.6% |
Profitability | |
|---|---|
| Operating Margin | 15% |
| EBT Margin | 15% |
| Return on Equity | 9.87% |
| Return on Assets | 1.9% |
| Free Cashflow Yield | -22.85% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | -1.15 kCr |
| Cash Flow from Operations (TTM) | -4.78 kCr |
| Cash Flow from Financing (TTM) | 5.53 kCr |
| Cash & Equivalents | 2.54 kCr |
| Free Cash Flow (TTM) | -4.84 kCr |
| Free Cash Flow/Share (TTM) | -113.94 |
Balance Sheet | |
|---|---|
| Total Assets | 76.01 kCr |
| Total Liabilities | 61.38 kCr |
| Shareholder Equity | 14.63 kCr |
| Net PPE | 165.74 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.64 |
| Interest/Cashflow Ops | -0.08 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 4 |
| Dividend Yield | 0.79% |
| Shares Dilution (1Y) | 0.20% |
| Shares Dilution (3Y) | 11.9% |
Growth: Good revenue growth. With 52% growth over past three years, the company is going strong.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Recent profitability of 12% is a good sign.
Past Returns: Underperforming stock! In past three years, the stock has provided 0.1% return compared to 13% by NIFTY 50.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -20.6% in last 30 days.
Growth: Good revenue growth. With 52% growth over past three years, the company is going strong.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Recent profitability of 12% is a good sign.
Past Returns: Underperforming stock! In past three years, the stock has provided 0.1% return compared to 13% by NIFTY 50.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -20.6% in last 30 days.
Investor Care | |
|---|---|
| Dividend Yield | 0.79% |
| Dividend/Share (TTM) | 4 |
| Shares Dilution (1Y) | 0.20% |
| Earnings/Share (TTM) | 30.16 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 23.47 |
| RSI (5d) | 42.77 |
| RSI (21d) | 27.72 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Buy |
| SharesGuru Signal | Sell |
| RSI Signal | Buy |
| RSI5 Signal | Hold |
| RSI21 Signal | Buy |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of IIFL FINANCE's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
In the earnings conference call held on January 22, 2026, IIFL Finance management provided an optimistic outlook for the company, underscoring its strategic positioning and financial health amidst macroeconomic conditions.
Key points shared by management include:
Loan Growth: Loan assets grew by 9.1% quarter-on-quarter, primarily driven by gold loans, which saw an AUM of INR 43,432 crores.
Asset Quality Improvement: The Gross Non-Performing Assets (GNPA) have decreased from 2.14% to 1.6%, with Net NPA (NNPA) falling below 1%, showing robust asset quality enhancement.
Profitability Metrics: The consolidated profit after tax rose to INR 501 crore, representing a 20% increase quarter-on-quarter and indicative of a pre-provision operating profit of INR 1,075 crores, up 101% year-on-year.
Capital Adequacy: The consolidated capital adequacy ratio stands at an impressive 27.7%, reinforcing the company's stability.
Cost of Borrowing: The average cost of borrowing has declined, trending down by 10% quarter-on-quarter to 9.28%, supporting the overall profitability.
Future Growth Projections: For FY'27, management targets an overall AUM growth of about 20%-25%, with home loans expected to grow by 15%-16% and disbursement growth anticipated at 24%-25%.
Strategic Focus: The management is shifting focus towards affordable and emerging housing segments, aiming to enhance asset yields which, based on their strategy, are expected to exceed current levels which range around 10.5%-10.6%.
Tax Audit Context: Clarifications were provided regarding the ongoing special income tax audit, indicating no implications on the company's operations or financial results, solely serving to assist with verification processes.
These points reflect management's confidence in the company's trajectory and commitment to maintaining operational resilience and growth momentum.
Understand IIFL FINANCE ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| FIH Mauritius Investments Ltd | 15.18% |
| Nirmal Bhanwarlal Jain | 12.57% |
| Smallcap World Fund, Inc | 6.84% |
| Parajia Bharat Himatlal | 4.67% |
| Bank Muscat India Fund | 3.29% |
| Madhu N Jain | 3.18% |
| Venkataraman Rajamani | 2.89% |
Detailed comparison of IIFL FINANCE against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 6 LCr | 79.39 kCr | -2.60% | +14.50% | 26.57 | 7.56 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.88 LCr |
IIFL Finance Limited, a non-banking financial company, engages in financing activities in India and internationally. It offers home and gold loans; business loans, including business loan for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprise; loans against securities; and digital finance loans, as well as supply chain finance. The company also provides construction and real estate financing; capital market financing; and lending, investment, and wealth management services. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
Nischint from Kotak Institutional Equities: "This tax audit, this will be for which financial year or how many years?"
Nirmal Jain's Answer: "This special audit follows a search under Section 132 last February and covers a block period of six financial years post-search. It should conclude in 60 days."
Nischint: "Can you provide some texture on customers and properties related to secured loans that have an IRR of almost 14%?"
Nirmal Jain's Answer: "These loans are largely to SMEs from smaller towns. Our recalibrated portfolio yields an average of 13.6% to 14%, with no delinquency thus far."
Nischint: "Any updates on the SRs? Any timeline for cash receipts?"
Nirmal Jain's Answer: "We expect a significant drop in the SRs redeemed next year, aiming to reduce them from about 3,000 to fewer than 1,500."
Abhijit Tibrewal from Motilal Oswal: "Regarding the special audit, there isn't any business or regulatory risk involved, correct?"
Nirmal Jain's Answer: "Correct, the audit is strictly related to income-tax assessment with no regulatory or operational impact."
Gao from Schonfeld: "What should we expect for credit costs next year?"
Nirmal Jain's Answer: "We anticipate a further decline of about 50-60 basis points, targeting less than 2% due to improved asset quality and stabilization."
Anusha Raheja: "What overall AUM growth can we anticipate?"
Nirmal Jain's Answer: "We foresee about 20%-25% AUM growth in FY '27 across segments, with particular emphasis on gold loans and housing finance."
Gaurav from HSBC: "What's the guidance for our gold loan growth?"
Nirmal Jain's Answer: "We are aiming for gold loan growth of 24%-25% on a QoQ basis, contingent on our ability to manage capital appropriately."
Pranay from Carron Capital: "What level of NPAs are we comfortable at in the home finance segment?"
Nirmal Jain's Answer: "Current NPAs achieved this quarter are comfortable for us, even with growth targets of 15% AUM."
| Jain Mansukhlal | 2.61% |
| Theleme India Master Fund Limited | 2.47% |
| Aditi Avinash Athavankar | 2.35% |
| Hsbc Mutual Fund - Hsbc Midcap Fund | 2.12% |
| Bavaria Industries Group Ag | 1.13% |
| American Funds Insurance Series Global Small Capitalization Fund | 1.01% |
| Ardent Impex Pvt Ltd | 0.85% |
| Orpheus Trading Pvt Ltd | 0.34% |
| Aditi Athavankar | 0.05% |
Distribution across major stakeholders
Distribution across major institutional holders
| 47.12 kCr |
| -1.00% |
| +83.20% |
| 20.57 |
| 3.99 |
| - |
| - |
| MUTHOOTFIN | MUTHOOT FINANCE | 1.46 LCr | 24.69 kCr | -5.20% | +66.80% | 19.84 | 5.89 | - | - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.38 LCr | 30.11 kCr | -4.90% | +26.70% | 28.34 | 4.57 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 50.38 kCr | 20.42 kCr | -10.00% | +24.20% | 20.42 | 2.47 | - | - |
| 4% |
| 1,437 |
| 1,382 |
| 1,289 |
| 1,169 |
| 996 |
| 979 |
| Depreciation and Amortization | 13% | 53 | 47 | 47 | 51 | 46 | 46 |
| Impairment on financial instruments | -20% | 400 | 500 | 512 | 349 | 491 | 406 |
| Other expenses | -4.1% | 302 | 315 | 259 | 249 | 336 | 215 |
| Profit Before exceptional items and Tax | 19.1% | 663 | 557 | 356 | 309 | 101 | 447 |
| Exceptional items before tax | - | 0 | 0 | 0 | 0 | 0 | -586.5 |
| Total profit before tax | 19.1% | 663 | 557 | 356 | 309 | 101 | -139.67 |
| Current tax | 120% | 89 | 41 | 68 | 33 | 34 | 128 |
| Deferred tax | -26% | 72 | 97 | 14 | 25 | -15.07 | -174.57 |
| Tax expense | 16.7% | 162 | 139 | 82 | 58 | 19 | -46.6 |
| Total profit (loss) for period | 19.9% | 501 | 418 | 274 | 251 | 82 | -93.07 |
| Other comp. income net of taxes | 162.2% | 5.52 | -6.27 | -9.6 | -9.65 | 2.52 | -4.92 |
| Total Comprehensive Income | 23.1% | 507 | 412 | 265 | 242 | 84 | -97.99 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| Earnings Per Share, Basic | 26.2% | 10.92 | 8.86 | 5.49 | 4.89 | 0.96 | -3.72 |
| Earnings Per Share, Diluted | 26.3% | 10.85 | 8.8 | 5.45 | 4.85 | 0.95 | -3.72 |
| Debt equity ratio | 0.1% | 0.0407 | 0.0398 | 0.0386 | 0.0366 | 0.03 | 0.03 |
| -70.5% |
| 14 |
| 45 |
| 31 |
| 27 |
| 39 |
| 22 |
| Total Expenses | 3.2% | 4,044 | 3,919 | 3,046 | 3,122 | 3,062 | 2,398 |
| Employee Expense | 5.1% | 760 | 723 | 672 | 520 | 407 | 441 |
| Finance costs | 7.7% | 1,849 | 1,717 | 1,456 | 1,616 | 1,555 | 1,244 |
| Depreciation and Amortization | 1.5% | 137 | 135 | 125 | 106 | 91 | 89 |
| Impairment on financial instruments | 20.4% | 456 | 379 | -69.62 | -224.28 | 198 | -67.63 |
| Other expenses | 14% | 842 | 739 | 507 | 380 | 242 | 285 |
| Profit Before exceptional items and Tax | -95.2% | 36 | 730 | 1,043 | 967 | 374 | 232 |
| Exceptional items before tax | - | -586.5 | 0 | 0 | 0 | 53 | 4.61 |
| Total profit before tax | -175.7% | -550.77 | 730 | 1,043 | 967 | 427 | 237 |
| Current tax | -59.1% | 77 | 187 | 118 | 171 | 102 | 40 |
| Deferred tax | -417.3% | -218.59 | -41.45 | 120 | 51 | -16.75 | 48 |
| Tax expense | -198.7% | -141.2 | 145 | 237 | 222 | 85 | 88 |
| Total profit (loss) for period | -170.3% | -409.57 | 585 | 805 | 745 | 343 | 149 |
| Other comp. income net of taxes | 54.6% | -3.06 | -7.94 | 21 | -9.85 | -21.11 | -2.49 |
| Total Comprehensive Income | -171.8% | -412.63 | 577 | 826 | 736 | 321 | 146 |
| Reserve excluding revaluation reserves | 16.4% | 6,422 | 5,519 | 5,039 | - | 3,745 | 3,532 |
| Earnings Per Share, Basic | -175.3% | -9.8 | 15.348 | 21.204 | 19.659 | 9.05 | 3.94 |
| Earnings Per Share, Diluted | -176.3% | -9.8 | 15.156 | 21.037 | 19.543 | 9.03 | 3.93 |
| Debt equity ratio | 0.2% | 0.0377 | 0.0358 | 0.034 | 0.0367 | - | 0.04 |
| 25.7% |
| 37,909 |
| 30,149 |
| 0 |
| 21,287 |
| - |
| - |
| Current tax assets (Net) | 12.2% | 167 | 149 | - | 156 | 154 | 97 |
| Investment property | 0% | 869 | 869 | - | 294 | 294 | 294 |
| Property, plant and equipment | 7% | 138 | 129 | - | 119 | 132 | 129 |
| Capital work-in-progress | -79.3% | 5.34 | 22 | - | 58 | 52 | 35 |
| Total non-financial assets | 0.5% | 1,975 | 1,965 | 0 | 1,444 | - | - |
| Total assets | 24.2% | 39,884 | 32,115 | - | 22,730 | 27,588 | 24,160 |
| Equity share capital | 0% | 85 | 85 | - | 85 | 76 | 76 |
| Total equity | 5.8% | 6,882 | 6,507 | - | 6,428 | 5,596 | 5,428 |
| Derivative financial instruments | -101.1% | 0 | 95 | - | 16 | 31 | 10 |
| Debt securities | 25.6% | 14,263 | 11,360 | - | 3,134 | 4,340 | 3,932 |
| Borrowings | 22.5% | 13,841 | 11,298 | - | 10,438 | 13,967 | 11,063 |
| Subordinated liabilities | 51.4% | 2,825 | 1,866 | - | 1,624 | 1,704 | 1,689 |
| Total financial liabilities | 29.1% | 32,868 | 25,459 | 0 | 16,101 | - | - |
| Current tax liabilities | -53.7% | 5.63 | 11 | - | 62 | 2.83 | 4.61 |
| Provisions | 24.2% | 78 | 63 | - | 59 | 39 | 53 |
| Total non financial liabilities | -9.5% | 134 | 148 | 0 | 202 | - | - |
| Total liabilities | 28.9% | 33,002 | 25,607 | - | - | 21,992 | 18,733 |
| Total equity and liabilities | 24.2% | 39,884 | 32,115 | - | 22,730 | 27,588 | 24,160 |
| -99.1% |
| 2.19 |
| 132 |
| 0 |
| 0 |
| - |
| - |
| Interest paid | 9.9% | 1,841 | 1,676 | 1,393 | 0 | - | - |
| Interest received | -8.7% | 3,754 | 4,110 | 3,675 | 0 | - | - |
| Income taxes paid (refund) | -55.3% | 64 | 142 | 105 | 151 | - | - |
| Other inflows/outflows of cash | -77.3% | -4,840.92 | -2,729.24 | -1,815.6 | 2,846 | - | - |
| Net Cashflows From Operating Activities | -241% | -5,309.69 | -1,556.27 | -2,080.52 | 3,556 | - | - |
| Proceeds from sales of PPE | -99.3% | 1.3 | 42 | 1.43 | 0.7 | - | - |
| Purchase of property, plant and equipment | -67.9% | 28 | 85 | 90 | 84 | - | - |
| Purchase of investment property | - | 0 | 0 | 5.19 | 25 | - | - |
| Purchase of other long-term assets | -69% | 702 | 2,262 | 0 | 0 | - | - |
| Dividends received | - | 0 | 0 | 88 | 63 | - | - |
| Other inflows/outflows of cash | -76.8% | 105 | 450 | -880.08 | -657 | - | - |
| Net Cashflows From Investing Activities | 67.1% | -674.8 | -2,054.93 | -1,384.03 | -927.14 | - | - |
| Proceeds from issuing shares | - | 1,282 | 0 | 11 | 8.6 | - | - |
| Proceeds from exercise of stock options | -105.3% | 0 | 20 | 0 | 0 | - | - |
| Proceeds from issuing debt etc | 149.7% | 12,069 | 4,834 | 0 | 0 | - | - |
| Proceeds from borrowings | -30.8% | 15,578 | 22,504 | 11,655 | 5,597 | - | - |
| Repayments of borrowings | -25.2% | 18,232 | 24,381 | 10,539 | 5,703 | - | - |
| Payments of lease liabilities | 9.7% | 125 | 114 | 105 | 86 | - | - |
| Dividends paid | -100.7% | 0 | 153 | 152 | 133 | - | - |
| Other inflows (outflows) of cash | - | -4,922.06 | 0 | 0 | -8.35 | - | - |
| Net Cashflows From Financing Activities | 108.4% | 5,649 | 2,711 | 870 | -324.05 | - | - |
| Net change in cash and cash eq. | 62.6% | -335.69 | -899.95 | -2,594.55 | 2,305 | - | - |