IIFL Finance Q4 FY26 PAT up 169% YoY: Key data

What changed for IIFL Finance in FY26

IIFL Finance has reported a sharp improvement in profitability in FY26, led by a strong Q4 performance and a step-up in reported full-year profit after tax (PAT). The updates include multiple profit figures across different disclosures, alongside fresh metrics on margins, revenue, and shareholding. On the market side, the stock was quoted around the ₹570 level on July 22, 2026, after trading within a 52-week range that included a high of ₹675.

Key financial snapshot from the latest figures

The company’s reported operating revenue in the provided data set is ₹7,447.94 crore, with net profit stated at ₹1,153.52 crore. Profitability metrics included a PAT margin of 15.4878%, and an EPS growth figure of 381.1117%. The same dataset also states that PAT margin “has surged by 25.5604%,” indicating a meaningful expansion versus the earlier comparison period used in that source.

Q4 FY26: PAT, revenue, and operating profit signals

For Q4 FY26, one disclosure states PAT at ₹623.2 crore, up 24% quarter-on-quarter (QoQ) and 169% year-on-year (YoY). The same set of updates also highlights “NET REVENUES” of ₹2,090 crore and “PROFIT AFTER TAX (pre-NCI)” of ₹623 crore, along with earnings per share (not annualised) of ₹13.8 and return on equity of 17.9%. Separately, another line item in the provided text reports “Q4 FY2026 consolidated PAT rose 24% QoQ to INR 223 crore,” while also stating that pre-provision operating profit surged 80% YoY to ₹1,173 crore despite a revenue miss. Since both profit numbers appear in the input, readers should treat them as coming from different summaries or reporting bases as presented.

FY26 full-year PAT and the three-year profit growth reference

The FY26 PAT figure reported in the provided data is ₹2,408.6 crore, up 241% YoY. In another place, the net profit number is stated as ₹1,153.52 crore, with a compounded growth of profit over the past three years of 12.7165805807425%. These figures indicate that the dataset is mixing multiple time windows and reporting views, but the direction of travel in FY26 is clearly toward higher profitability versus the prior year base referenced.

Profitability indicators: PAT margin and growth rates

PAT margin is given as 15.4878%, and the text also flags a surge in PAT margin by 25.5604% (as stated). A separate table in the input lists a recent sequence of PAT values and growth rates, showing how profits and growth have varied over time. The numbers provided for PAT are 586.84, 464.30, 376.33, 233.35, and 207.68 (₹ crore), with corresponding PAT growth rates of 26.39%, 23.38%, 61.27%, 12.36%, and 410.27%.

Stock price, 52-week levels, and analyst targets

The input contains multiple price points for IIFL Finance, reflecting different snapshots. One line states the “current share price” as ₹567.65, another table lists “Current Share Price” as ₹533.75 with a 52-week high of ₹675.00, and another line states the stock price today is ₹571.80. As of July 22, 2026, the stock is also stated as trading at ₹571.80, with a previous close of ₹571.80.

The average 12-month price target is provided as ₹625.00, with a high estimate of ₹670 and a low estimate of ₹520.

Valuation and balance sheet cues cited in the dataset

The dataset includes headline market metrics: market cap of ₹22,873 crore, earnings (TTM) of ₹1,661 crore, and revenue (TTM) of ₹7,901 crore (converted from ₹228.73b, ₹16.61b, and ₹79.01b respectively into ₹ crore). It also lists financial strength indicators: ROA of 1.9%, ROE of 9.8%, CRAR (consolidated, computed) of 28.2%, and liquidity of ₹8,170 crore, along with a separate reference to PAT of ₹692 crore for H1 FY26.

Institutional holdings: what the shareholding table shows

The shareholding table provided lists several investors and their percentage holdings across multiple quarters, ending at Mar 2026. “Investors” are shown as largely stable at about 75.15% by Mar 2026. The table also shows specific increases for certain names, including Ashish Dhawan rising from 1.09% (Dec 2025) to 1.33% (Mar 2026), and Bavaria Industries Group increasing to 1.35% by Mar 2026. It also shows FIH Mauritius Investments at 15.18% in Mar 2026, while another line for a similarly named entry shows 15.19% earlier and then a dash by Mar 2026, indicating changes in how the same holder may be represented across periods in the source table.

Business profile and company contact points

IIFL Finance Limited is described as a non-banking financial company providing financial services in India and internationally. Its products include home and gold loans, business loans (including for manufacturers, women, and e-commerce), MSME loans, loans against securities, and digital finance loans. The text also lists construction and real estate financing, capital market financing, supply chain finance, and wealth management services.

The registered office is listed as IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area, Wagle Estate, Thane, Maharashtra, 400604, and contact emails include csteam@iifl.com and shareholders@iifl.com. A corporate office address is also provided: 802, 8th Floor, Hubtown Solaris, N. S. Phadke Marg, Vijay Nagar, Andheri East, Mumbai 400069.

Key numbers at a glance

Shareholding highlights (from the provided table)

Why these updates matter for investors

The FY26 profit jump and the Q4 profit expansion, as presented in the input, are important because they change the narrative from incremental growth to a sharper profitability rebound. Margin and growth metrics such as PAT margin (15.4878%) and the cited EPS growth figure (381.1117%) suggest improved profit conversion in the period captured by the dataset. At the same time, the presence of multiple Q4 PAT numbers in the input underlines the need to track the basis of reporting, such as consolidated versus other definitions, and pre-NCI versus other profit measures.

Conclusion

IIFL Finance’s FY26 numbers in the provided dataset point to a strong profit cycle, highlighted by a Q4 PAT of about ₹623 crore and a reported FY26 PAT of ₹2,408.6 crore. With the stock quoted around ₹571.80 on July 22, 2026 and a stated average target of ₹625, investors will likely keep focus on the next set of reported quarterly numbers and any clarified reporting basis for profits and operating performance.