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BSE: 532636 | NSE: IIFL | Finance - Investment | Mid Cap
1. Is IIFL Finance Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that IIFL Finance Ltd is a average quality company.
2. Is IIFL Finance Ltd undervalued or overvalued?
The key valuation ratios of IIFL Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is IIFL Finance Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of IIFL Finance Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 550 | 88.7 | 109 | 211 | 192 | 246 | 2,953 | 2,607 | 3,177 | 3,677 | 4,227 | |
| YoY Gr. Rt. % | - | -83.9% | 23% | 93.9% | -9.2% | 28.2% | 1099.3% | -11.7% | 21.9% | 15.7% | - | |
| Adj EPS (₹ ) | 3.3 | 3.3 | 3.2 | 5.4 | 4.9 | 6.7 | 14.1 | 3.9 | 9 | 19.6 | 22 | |
| YoY Gr. Rt. % | - | 1.5% | -3.9% | 71.3% | -9.2% | 36.5% | 110% | -72.2% | 130% | 117.3% | - | |
| BVPS (₹ ) | 44.4 | 44.7 | 45.1 | 46.6 | 47.2 | 46.3 | 110.6 | 95.4 | 100.4 | 116.3 | 127.1 | |
| YoY Gr. Rt. % | - | 0.7% | 1% | 3.3% | 1.2% | -1.8% | 138.9% | -13.8% | 5.3% | 15.8% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.9 | 4.9 | 5.8 | 9.6 | 8.4 | 12.7 | 4.7 | 0.8 | 1.7 | 3.3 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 23.5% | 80.5% | 7.6% | 15.7% | ||||||||
| Adj EPS | 22.1% | 31.8% | 11.6% | 117.3% | ||||||||
| BVPS | 11.3% | 19.8% | 1.7% | 15.8% | ||||||||
| Share Price | 18.6% | -3.8% | 46% | 47.2% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0.5 | 0.5 | 0.6 | 0 | 0.7 | 0.8 | 1 | 1.6 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 21.6 | 17.7 | 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 17.4 | 110.3 | 90.1 | 81.4 | 81.6 | 87.2 | 15.3 | 5.7 | 10.8 | 20.3 | 19.7 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 7.4 | 7.4 | 7.2 | 12 | 10.5 | 14.4 | 18 | 4.2 | 9.2 | 18.1 | 17.3 | |
Return on Equity has increased versus last 3 years average to 18.00%
Total Income has increased 7.58 CAGR in last 3 years
Net Profit has increased 11.60 CAGR in last 3 years
Total income growth is good in last 4 quarters
Net NPA to Net Advances has increased in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 22 | 35.3 |
| TTM Sales (₹ Cr.) | 4,227 | 7,606 |
| BVPS (₹.) ⓘ | 127.1 | 220 |
| Reserves (₹ Cr.) ⓘ | 4,752 | 8,283 |
| P/BV ⓘ | 3.72 | 2.15 |
| PE ⓘ | 21.55 | 13.42 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 266.60 / 487.90 |
| All Time Low / High (₹) | 14.90 / 872.70 |
| Market Cap (₹ Cr.) | 17,981 |
| Equity (₹ Cr.) | 76 |
| Face Value (₹) | 2 |
| Industry PE ⓘ | 70 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
IIFL Finance Limited (Erstwhile ‘IIFL Holdings Limited’) is one of the leading players in the Indian financial services space. Prior to the Composite Scheme of Arrangement (effective May 13, 2019), IIFL Finance Limited was engaged in the business of financing, asset and wealth management, retail and institutional broking, financial products distribution and investment banking through its various subsidiaries.
IIFL Finance is a first generation venture which started as a research firm in 1995. IIFL Finance Limited was a pioneer in the retail equity broking industry with its launch of 5paisa trading platform which offered the lowest brokerage in the industry and freedom from traditional ways of transacting. IIFL’s evolution from an entrepreneurial start-up in 1995 to a full range diversified financial services group is a story of steady growth by adapting to the dynamic business environment, without losing focus on its core domain of financial services.
Building on the strength of over 25 years of expertise, IIFL Finance Limited (IIFL Finance) is one of India’s largest and most trusted financial services provider. After the demerger of IIFL Securities Limited and IIFL Wealth Management Limited, IIFL Finance, along with its subsidiaries IIFL Home Finance and Samasta Microfinance, is focussed on consumer lending.
Business area of the company
IIFL Finance offers diverse product spectrum comprises home loans, gold loans, business loans including loans against property and MSME financing, microfinance, construction and real estate and capital markets finance. With a strong foundation, retail focused strategy, and transparent and ethical business operations, the company continues to deliver excellent service offerings and sustainable growth.
Products
Awards
FY2018-19
FY2019-20
Milestones
