Overview

Detailed Summary

IIFL Finance Limited is a diversified non-banking financial company offering a wide range of loan products including gold loans, home loans, and MSME loans, supported by a robust branch network across India.
In Q3 FY26, IIFL Finance reported a PAT of Rs. 501 crore, marking a significant increase of 20% quarter-on-quarter owing to strong growth in gold loans.
The company has achieved a notable improvement in asset quality, reducing GNPA to 1.6% and NNPA below 1% by exiting high-risk loan segments and tightening portfolio management.
IIFL Finance has strategically enhanced its operational efficiency by implementing AI-led risk governance systems, which strengthens its compliance and operational capabilities.
Significant business expansion is evident with the continuous growth of its branch network, which has facilitated IIFL's increased market penetration and growth in key lending segments.

Sector: Finance
Industry: NBFC-Others
Market Cap: 20,341 Cr
Volatility: High Risk
P/E Ratio: 15.9
Industry P/E: 27.5
PEG Ratio: 0.5
P/B Ratio: 1.6
52W High: 674.95
52W Low: 282.25

Sales CAGR

1Y: -2.27%
3Y: -0.11%
5Y: 8.94%
10Y: 38.89%

Profit CAGR

1Y: -70.71%
3Y: —
5Y: —
10Y: —

ROE

TTM: 6.62%
3Y: 10.06%
5Y: 11.63%
10Y: 12.13%

ROCE

TTM: 8.57%
3Y: 10.02%
5Y: 10.10%
10Y: 11.32%

Technicals

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Forecasts

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
POONAWALLA	425.15	34,556 Cr	97.70	3.50	0.00	2.21	5.04	0.74
TATAINVEST	625.15	31,630 Cr	115.32	0.99	0.43	1.11	1.23	1.14
IIFL	475.45	20,341 Cr	15.88	1.57	0.00	6.62	8.57	1.90
JMFINANCIL	122.10	11,677 Cr	9.38	1.13	2.21	11.10	12.11	5.09
SBFC	91.66	10,141 Cr	29.63	3.16	0.00	10.82	10.38	4.02
TSFINV	376.90	8,371 Cr	17.90	1.42	1.55	7.98	3.21	2.07
FEDFINA	126.25	4,723 Cr	15.07	1.74	0.00	9.06	9.14	2.36

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	2,478	2,648	2,854	2,613	2,572	2,443	2,591	2,953	3,305	3,427
Expenses	877	945	1,244	1,109	1,105	1,307	1,065	1,267	1,323	1,280
Interest	932	989	1,074	1,034	979	996	1,169	1,289	1,382	1,437
Financing Profit	670	715	536	470	488	140	357	397	600	710
Financing Margin %	27.02	27.01	18.78	17.99	18.99	5.74	13.78	13.44	18.15	20.72
Other Income	57	46	68	12	-582	6.39	3.10	6.47	4.05	5.34
Depreciation	43	45	51	46	46	46	51	47	47	53
Profit Before Tax	684	716	554	436	-140	101	309	356	557	663
Tax %	23.11	23.89	22.23	22.47	33.36	19.13	18.78	23.05	24.92	24.37
Net Profit	526	545	431	338	-93	82	251	274	418	501
EPS in Rs	11.01	11.39	8.69	6.94	-3.71	0.95	4.84	5.45	8.80	10.85
Gross NPA %	1.84	1.71	2.32	2.25	2.35	2.42	2.23	2.34	2.14	0.00
Net NPA %	1.02	0.87	1.20	1.11	1.06	1.01	1.05	1.13	1.02	0.00

Consolidated Profit Loss (in ₹ Crores)

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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	16.05	18.57	15.80	10.16	17.87	27.79	35.08	41.02	9.02	29.93
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)

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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)

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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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	May 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	24.84%	24.81%	24.79%	24.78%	24.92%	24.91%	24.91%	24.90%	24.89%	24.87%	24.87%	24.85%
FIIs	28.64%	28.31%	31.27%	29.13%	28.51%	30.31%	29.64%	27.79%	28.03%	26.62%	26.77%	27.76%
DIIs	5.54%	7.31%	8.27%	8.61%	9.14%	7.43%	6.24%	4.49%	5.53%	8.09%	9.13%	9.17%
Public	40.98%	39.58%	35.67%	37.47%	37.42%	37.35%	39.20%	42.83%	41.54%	40.42%	39.24%	38.21%
Total Shareholders	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	1,34,274

Market Transactions

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Available on Pro Plan