IIFL Finance Ltd

IIFL

Watchlist

AI Mode

‌

Market Cap

₹ 24,463 Cr

P/E

28.51

‌

‌
‌

‌

‌
‌

Investment Checklist

How to read checklist?

Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

HIGH RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

IIFL Finance Limited is a leading financial services company in India, focusing on lending products such as gold loans and small-to-medium enterprise finance. It has expanded its branch network significantly, indicating a strategic focus on increasing market reach and service offerings. The company has shown strong growth in its gold loan business, achieving record-high assets under management, underscoring its execution effectiveness in this sector. Recent leadership changes in its housing finance arm suggest strategic realignment to capitalize on opportunities in the affordable housing segment. The company's prudent risk management is evidenced by maintaining a healthy capital adequacy above regulatory requirements, while focusing on strengthening collections across its loan segments.

Sector

Finance

Industry

NBFC-Others

Market Cap

24,463 Cr

Volatility

High Risk

P/E Ratio

28.5

Industry P/E

34.5

PEG Ratio

0.6

P/B Ratio

1.9

52W High

592.55

52W Low

280.95

Sales CAGR

-2.27%

-0.11%

8.94%

10Y

38.89%

Profit CAGR

-70.71%

—

10Y

—

ROE

TTM

6.62%

10.06%

11.63%

10Y

12.13%

ROCE

TTM

8.57%

10.02%

10.10%

10Y

11.32%

Technicals

‌

Forecasts

No. of Analysts

10

1Y Price Target

600.78 ▲ 6.33%

Q3 EPS Estimate

Q3 Revenue Estimate

Unlock Premium Features

Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
TATAINVEST	724.30	36,646 Cr	104.22	1.15	0.37	1.11	1.23	0.98
POONAWALLA	444.00	36,006 Cr	165.34	3.65	0.00	2.21	5.04	0.46
PIRAMALFIN	1518.30	34,487 Cr	55.57	1.26	0.00	2.26	6.02	0.53
IIFL	576.00	24,463 Cr	28.51	1.89	0.00	6.62	8.57	1.35
JMFINANCIL	145.95	13,958 Cr	12.22	1.36	1.85	11.10	12.11	4.70
SBFC	105.10	11,524 Cr	33.37	3.60	0.00	10.82	10.38	4.02
TSFINV	466.50	10,361 Cr	21.96	1.75	1.25	7.98	3.21	1.95

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,301	2,478	2,648	2,854	2,613	2,572	2,443	2,591	2,953	3,305
Expenses	822	877	945	1,244	1,109	1,105	1,307	1,065	1,267	1,323
Interest	888	932	989	1,074	1,034	979	996	1,169	1,289	1,382
Financing Profit	591	670	715	536	470	488	140	357	397	600
Financing Margin %	25.69	27.02	27.01	18.78	17.99	18.99	5.74	13.78	13.44	18.15
Other Income	69	57	46	68	12	-582	6.39	3.10	6.47	4.05
Depreciation	42	43	45	51	46	46	46	51	47	47
Profit Before Tax	618	684	716	554	436	-140	101	309	356	557
Tax %	23.53	23.11	23.89	22.23	22.47	33.36	19.13	18.78	23.05	24.92
Net Profit	473	526	545	431	338	-93	82	251	274	418
EPS in Rs	9.95	11.01	11.40	8.69	6.95	-3.71	0.95	4.84	5.45	8.80
Gross NPA %	1.84	1.84	1.71	2.32	2.25	2.35	2.42	2.23	2.34	2.14
Net NPA %	1.06	1.02	0.87	1.20	1.11	1.06	1.01	1.05	1.13	1.02

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	3,138	6,319	4,978	4,844	5,840	6,855	8,270	10,249	10,211	10,559
Expenses	695	2,223	1,443	1,690	2,253	2,375	2,960	3,855	4,585	4,743
Interest	1,779	2,722	2,585	2,405	2,626	2,991	3,222	3,883	4,170	4,433
Financing Profit	663	1,374	950	749	961	1,489	2,088	2,512	1,456	1,383
Financing Margin %	21.14	21.74	19.09	15.46	16.45	21.72	25.24	24.51	14.26	13.09
Other Income	26	142	107	82	150	169	178	241	26	-566
Depreciation	16	67	32	106	106	122	153	181	189	190
Profit Before Tax	674	1,448	1,025	725	1,005	1,536	2,113	2,572	1,294	627
Tax %	33.54	29.52	32.60	30.57	24.28	22.64	23.90	23.24	9.96	18.01
Net Profit	448	1,021	796	503	761	1,188	1,608	1,974	578	514
EPS in Rs	16.06	18.58	15.81	10.17	17.88	27.81	35.10	41.05	9.03	20.04
Dividend Payout %	20.91	20.09	23.93	16.99	14.97	11.24	10.21	8.75	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	63	64	64	64	76	76	76	76	76	85
Reserves	3,289	4,318	4,679	4,290	4,684	5,312	6,388	8,916	10,561	12,327
Borrowings	12,620	22,013	34,326	26,517	27,705	32,257	35,726	39,604	46,699	51,068
Other Liabilities	6,905	7,366	5,426	2,368	1,909	3,023	3,721	4,407	5,085	4,164
Total Liabilities	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421	67,644
Fixed Assets	533	605	620	105	393	404	480	566	609	616
CWIP	5.60	71	110	6.78	2.49	6.56	5.64	28	52	23
Investments	0.00	0.00	2,150	212	770	32	1,192	3,511	4,059	4,438
Other Assets	22,338	33,084	41,615	32,915	33,208	40,225	44,232	48,898	57,701	62,567
Total Assets	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421	67,644

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-54	-4,329	-10,483	422	1,101	-3,587	1,784	-5,225	-5,848	-4,781
Cash from Investing Activity	-671	-2,602	-374	562	-919	236	-996	-2,716	-1,356	-1,149
Cash from Financing Activity	525	9,094	8,468	20	109	4,428	2,781	5,361	6,042	5,526
Net Cash Flow	-200	2,162	-2,389	1,004	290	1,077	3,569	-2,580	-1,162	-403

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	May 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	24.85%	24.84%	24.81%	24.79%	24.78%	24.92%	24.91%	24.91%	24.90%	24.89%	24.87%	24.87%
FIIs	28.09%	28.64%	28.31%	31.27%	29.13%	28.51%	30.31%	29.64%	27.79%	28.03%	26.62%	26.77%
DIIs	4.05%	5.54%	7.31%	8.27%	8.61%	9.14%	7.43%	6.24%	4.49%	5.53%	8.09%	9.13%
Public	43.01%	40.98%	39.58%	35.67%	37.47%	37.42%	37.35%	39.20%	42.83%	41.54%	40.42%	39.24%
Total Shareholders	67,468	65,440	67,660	83,676	1,49,309	1,54,967	1,45,073	1,58,133	1,73,530	1,69,374	1,49,247	1,42,808

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 22, 2023	F3 advisors private limited	Bulk	Sell	559.36	46.47 Cr	8,30,795	0.19
Dec 22, 2023	Mansi share & stock advisors ...	Bulk	Sell	560.46	45.90 Cr	8,19,039	0.19
Dec 22, 2023	Fih mauritius investments ltd	Bulk	Sell	554.64	1,198.13 Cr	2,16,02,000	5.08
Dec 22, 2023	Nomura india investment fund ...	Bulk	Buy	551.01	144.39 Cr	26,20,411	0.61
Dec 22, 2023	Mansi share & stock advisors ...	Bulk	Buy	555.42	119.08 Cr	21,44,039	0.50
Dec 22, 2023	F3 advisors private limited	Bulk	Buy	553.06	115.73 Cr	20,92,541	0.49
Jul 06, 2023	Satpal khattar	Bulk	Sell	510.03	168.31 Cr	33,00,000	0.77

Projection

Unlock Premium Features

Get In-depth insights on EPS and Revenue forecasts

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Credit Rating

2 hours ago

Credit Rating Assignment for IIFL Home Finance Limited

IIFL Finance Limited announced the assignment of a credit rating IVR A1+ for its subsidiary IIFL Home Finance Limited's proposed commercial paper issue of Rs. 3,000 crores.

Debt Issuance

4 hours ago

IIFL Finance Non-Convertible Debenture Allotment

IIFL Finance Limited announced the allotment of INR 65 crore in Non-Convertible Debentures under Series D34 on a private placement basis, with a maturity date set for December 18, 2028.

Credit Rating

4 hours ago

S&P Upgrades IIFL Finance's Outlook to Positive

S&P Global Ratings has upgraded IIFL Finance's outlook to 'Positive' and affirmed 'B+/B' ratings, citing the company's recovering market share in gold loans.

Credit Rating

1 day ago

Credit Rating Outlook Revised to Positive

S&P Global Ratings has upgraded IIFL Finance Limited's outlook from Stable to Positive and affirmed its long-term and short-term issuer credit ratings.

Credit Rating

5 days ago

IIFL Finance Credit Rating Update

IIFL Finance received an IVR A1+ rating for a Rs. 5,000 crore Commercial Paper issue and reaffirmed IVR AA/Stable rating for a Rs. 500 crore Perpetual Debt Instrument by Infomerics.

Debt Issuance

5 days ago

IIFL Finance Approves Non-Convertible Debentures Issuance

IIFL Finance Limited's Finance Committee approved the issuance of senior unsecured redeemable Non-Convertible Debentures on a private placement basis, with a maximum size of INR 100 Crore.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Showing 1 - 8 of 33

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

AI Mode

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	2,301	2,478	2,648	2,854	2,613	2,572	2,443	2,591	2,953	3,305
Expenses	822	877	945	1,244	1,109	1,105	1,307	1,065	1,267	1,323
Interest	888	932	989	1,074	1,034	979	996	1,169	1,289	1,382
Financing Profit	591	670	715	536	470	488	140	357	397	600
Financing Margin %	25.69	27.02	27.01	18.78	17.99	18.99	5.74	13.78	13.44	18.15
Other Income	69	57	46	68	12	-582	6.39	3.10	6.47	4.05
Depreciation	42	43	45	51	46	46	46	51	47	47
Profit Before Tax	618	684	716	554	436	-140	101	309	356	557
Tax %	23.53	23.11	23.89	22.23	22.47	33.36	19.13	18.78	23.05	24.92
Net Profit	473	526	545	431	338	-93	82	251	274	418
EPS in Rs	9.95	11.01	11.40	8.69	6.95	-3.71	0.95	4.84	5.45	8.80
Gross NPA %	1.84	1.84	1.71	2.32	2.25	2.35	2.42	2.23	2.34	2.14
Net NPA %	1.06	1.02	0.87	1.20	1.11	1.06	1.01	1.05	1.13	1.02

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	3,138	6,319	4,978	4,844	5,840	6,855	8,270	10,249	10,211	10,559
Expenses	695	2,223	1,443	1,690	2,253	2,375	2,960	3,855	4,585	4,743
Interest	1,779	2,722	2,585	2,405	2,626	2,991	3,222	3,883	4,170	4,433
Financing Profit	663	1,374	950	749	961	1,489	2,088	2,512	1,456	1,383
Financing Margin %	21.14	21.74	19.09	15.46	16.45	21.72	25.24	24.51	14.26	13.09
Other Income	26	142	107	82	150	169	178	241	26	-566
Depreciation	16	67	32	106	106	122	153	181	189	190
Profit Before Tax	674	1,448	1,025	725	1,005	1,536	2,113	2,572	1,294	627
Tax %	33.54	29.52	32.60	30.57	24.28	22.64	23.90	23.24	9.96	18.01
Net Profit	448	1,021	796	503	761	1,188	1,608	1,974	578	514
EPS in Rs	16.06	18.58	15.81	10.17	17.88	27.81	35.10	41.05	9.03	20.04
Dividend Payout %	20.91	20.09	23.93	16.99	14.97	11.24	10.21	8.75	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	63	64	64	64	76	76	76	76	76	85
Reserves	3,289	4,318	4,679	4,290	4,684	5,312	6,388	8,916	10,561	12,327
Borrowings	12,620	22,013	34,326	26,517	27,705	32,257	35,726	39,604	46,699	51,068
Other Liabilities	6,905	7,366	5,426	2,368	1,909	3,023	3,721	4,407	5,085	4,164
Total Liabilities	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421	67,644
Fixed Assets	533	605	620	105	393	404	480	566	609	616
CWIP	5.60	71	110	6.78	2.49	6.56	5.64	28	52	23
Investments	0.00	0.00	2,150	212	770	32	1,192	3,511	4,059	4,438
Other Assets	22,338	33,084	41,615	32,915	33,208	40,225	44,232	48,898	57,701	62,567
Total Assets	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421	67,644

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-54	-4,329	-10,483	422	1,101	-3,587	1,784	-5,225	-5,848	-4,781
Cash from Investing Activity	-671	-2,602	-374	562	-919	236	-996	-2,716	-1,356	-1,149
Cash from Financing Activity	525	9,094	8,468	20	109	4,428	2,781	5,361	6,042	5,526
Net Cash Flow	-200	2,162	-2,389	1,004	290	1,077	3,569	-2,580	-1,162	-403

Iifl Finance Ltd

IIFL Finance Ltd

IIFL

AI Mode

Investment Checklist

Investment Checklist

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Technicals

Forecasts

10

600.78 ▲ 6.33%

Upgrade

Upgrade

Upgrade

Upgrade

Unlock Premium Features

Upgrade

Buy

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

Unlock Premium Features

Upgrade

Actions

Announcements

Documents

AI Mode

AI Mode

Technicals

Peers

Price Chart Comparison

Forecasts

10

600.78 ▲ 6.33%

Upgrade

Upgrade

Upgrade

Upgrade

Unlock Premium Features

Upgrade

Buy

Financial Statements

AI Powered Summary

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Oscillators

Neutral

Overall

Bullish

Moving Averages

Bullish

Overall

Bullish

IIFL Finance Ltd