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IIFL Finance Ltd. Stock Analysis

Small Cap
Evaluated by 1191 users | BSE: 532636 | NSE: IIFL |
Finance - Investment
The India Infoline (IIFL) group, comprising the holding company, India Infoline and its subsidiaries, is one of the leading players in the Indian financial services space. IIFL offers advice and execution platform for the entire range of financial services covering products ranging from...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IIFL Finance Ltd. has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)68054955088.71092111922462,9532,608
Y-o-Y Gr. Rt.--19.4%0.2%-83.9%23%93.9%-9.2%28.2%1099.3%-11.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
4.272.193.253.33.175.434.936.7314.133.93
Y-o-Y Gr. Rt.--48.7%48.4%1.5%-3.9%71.3%-9.2%36.5%110%-72.2%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
37.8544.0344.3744.6845.1346.6347.1746.31110.6195.36
Y-o-Y Gr. Rt.-16.3%0.8%0.7%1%3.3%1.2%-1.8%138.9%-13.8%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >12 : Very Good
  • 8-12 : Somewhat Good
  • <8: Not Good
Net Profit/Total Funds (%)4.532.393.934.946.410.438.412.694.740.81
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
IIFL Finance Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income16.1%88.7%138.6%-11.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-0.9%4.4%-7.3%-72.2%
Book Value per Share
10.8%16.1%26.4%-13.8%
Share Price 1.1% -17.8% -49.8% -33.9%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Margins
Net Profit Margin (%) 17.9811.5417.43110.2690.0881.3581.6387.1815.275.71
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 11.185.377.427.437.2111.9610.5414.4318.014.17
Entity Percentage Holding
Promoters 24.99%
Institutions 18.38%
Non-Institutions 56.63%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of IIFL Finance Ltd. and arrived at the following conclusion:

Past 10 year's financial track record indicates that IIFL Finance Ltd. is a average quality company. However, for specific investment actions please connect with your investment advisor.

The 5-year analysis of IIFL Finance Ltd.'s performance infers:

IIFL Finance Ltd. earnings have grown by 4.4%, whereas share price has depreciated -17.8% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of IIFL Finance Ltd. share prices over the last 10 years. Here is what we found out:

IIFL Finance Ltd. share price has depreciated -4.1% annually over the past ten years.

The India Infoline (IIFL) group, comprising the holding company, India Infoline and its subsidiaries, is one of the leading players in the Indian financial services space. IIFL offers advice and execution platform for the entire range of financial services covering products ranging from Equities and derivatives, Commodities, Wealth management, Asset management, Insurance, Fixed deposits, Loans, Investment Banking, Gold bonds and other small savings instruments. IIFL recently

The India Infoline (IIFL) group, comprising the holding company, India Infoline and its subsidiaries, is one of the leading players in the Indian financial services space. IIFL offers advice and execution platform for the entire range of financial services covering products ranging from Equities and derivatives, Commodities, Wealth management, Asset management, Insurance, Fixed deposits, Loans, Investment Banking, Gold bonds and other small savings instruments. IIFL recently received an in-principle approval for Securities Trading and Clearing memberships from Singapore Exchange (SGX) paving the way for IIFL to become the first Indian brokerage to get a membership of the SGX.

IIFL also received membership of the Colombo Stock Exchange becoming the first foreign broker to enter Sri Lanka. IIFL owns and manages the website, www.indiainfoline.com, which is one of India’s leading online destinations for personal finance, stock markets, economy and business.   The company has been awarded the ‘Best Broker, India’ by FinanceAsia and the ‘Most improved brokerage, India’ in the AsiaMoney polls. India Infoline was also adjudged as ‘Fastest Growing Equity Broking House - Large firms’ by Dun & Bradstreet.  A network of over 2,500 business locations spread over more than 500 cities and towns across India facilitates the smooth acquisition and servicing of a large customer base. All our offices are connected with the corporate office in Mumbai with cutting edge networking technology. The group caters to a customer base of about a million customers, over a variety of mediums viz. online, over the phone and at our branches. 

Products and Services

India Infoline provides a gamut of financial products and services. The company offers broking services in the Cash and Derivatives segments of the NSE and BSE.

India Infoline Media and Research Services- This company offers content support to India Infoline in area of broking, commodities, mutual fund and portfolio management services.

India Infoline Commodities- This company is engaged in broking services for commodities segment.

India Infoline Marketing & Services- This is holding company of India Infoline Insurance Services and India Infoline Insurance Brokers. The company is the largest Corporate Agent for ICICI Prudential Life Insurance Company. It is also engaged in insurance broking.

India Infoline Investment Services- This subsidiary is engaged in business such as loans against securities, SME financing, distribution of retail loan products, consumer finance business and housing finance business.

IIFL (Asia) Pte- This subsidiary is engaged in carrying out financial sector activities in other Asian markets.

Awards

India Infoline has been awarded the ‘Best Broker in India’ by Finance Asia.

Company’s Rs. 5 billion short-term debt programme has received an A1+ rating from ICRA. This reflects highest -credit-quality of short-term debt instruments.

Milestones

  • 1995: Commenced operations as an Equity Research firm
  • 1997: Launched research products of leading Indian companies, key sectors and the economy Client included leading FIIs, banks and companies. 
  • 1999: Launched www.indiainfoline.com 
  • 2000: Launched online trading through www.5paisa.com Started distribution of life insurance and mutual fund 
  • 2003: Launched proprietary trading platform Trader Terminal for retail customers 
  • 2004: Acquired commodities broking license
  • 2004: Launched Portfolio Management Service 
  • 2005: Maiden IPO and listed on NSE, BSE
  • 2006: Acquired membership of DGCX
  • 2006: Commenced the lending business
  • 2007: Commenced institutional equities business under IIFL
  • 2007: Formed Singapore subsidiary, IIFL (Asia) Pte Ltd
  • 2008: Launched IIFL Wealth
  • 2008: Transitioned to insurance broking model  
  • 2009: Acquired registration for Housing Finance
  • 2009: SEBI in-principle approval for Mutual Fund
  • 2009: Obtained Venture Capital license 
  • 2010: Received in-principle approval for membership of the Singapore Stock Exchange
  • 2010: Received membership of the Colombo Stock Exchange
  • 2011: Carlyle Group increased its stake in India Infoline Group to 9 percent through secondary-market purchases
  • 2012: India Infoline Finance, the NBFC arm of India Infoline Group, India’s leading financial services provider, received registration from Pension Fund Regulatory and Development Authority (PFRDA) to act as Aggregator under National Pension System (NPS).
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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