IIFL Finance Ltd - Stock Valuation and Financial Performance

BSE: 532636 | NSE: IIFL | Finance - Investment | Small Cap

IIFL Finance Share Price

435.65 0.00 0.00%
as on 12-Apr'24 10:20

DeciZen - make an informed investing decision on IIFL Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation


3. Price Trend

IIFL Finance stock performance -

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P/E Ratio (SA):
Market Cap:
16,622.2 Cr.
52-wk low:
52-wk high:

Is IIFL Finance Ltd an attractive stock to invest in?

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 Weak which suggest that the price of IIFL Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of IIFL Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

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
Operating Income (₹ Cr.)88.71092111432462,9532,6503,3974,0804,0584,309
YoY Gr. Rt. %-23%93.9%-32.5%72.7%1099.3%-10.3%28.2%20.1%-0.5%-
Adj EPS (₹ )
YoY Gr. Rt. %--3.9%71.9%-18.7%51.9%110%-72.2%130%117.3%7.8%-
BVPS (₹ )44.745.146.647.246.3110.394.9100.4116.3134.2145.7
YoY Gr. Rt. %-1%3.3%1.2%-1.8%138.2%-14%5.8%15.8%15.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)


CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income52.9%75.1%15.3%-0.5%
Adj EPS22.9%25.8%75.3%7.8%
Share Price 18.7% -0.6% 18.2% -4.9%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Net Profit Margin (%)110.390.181.698.787.215.35.610.118.319.916
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)7.47.2129.514.418.14.29.318.116.912.4

Recent Performance Summary

Total Income has increased 15.27 CAGR in last 3 years

Net Profit has increased 75.30 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Return on Equity has declined versus last 3 years average to 12.90%

Total income growth is poor in last 4 quarters

Latest Financials - IIFL Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 18.1 47.3
TTM Sales (₹ Cr.) 4,309 9,610
BVPS (₹.) 145.7 274
Reserves (₹ Cr.) 5,483 10,380
P/BV 2.99 1.59
PE 24.13 9.22
From the Market
52 Week Low / High (₹) 313.25 / 704.20
All Time Low / High (₹) 14.90 / 872.70
Market Cap (₹ Cr.) 16,622
Equity (₹ Cr.) 76.3
Face Value (₹) 2
Industry PE 48.5

Management X-Ray of IIFL Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of IIFL Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Interest Income891092111432462,9532,6503,3974,0804,058
Other Income 010025459342243111
Expenditure 69212252,4902,5113,0653,3553,126
Interest Expense 046051,3701,2511,5591,6251,460
Operating Expenses 64142167587927319891,292
Provisions 10014362468775741375
Exceptional Items 0000011555300
Profit Before Tax 831011911412466232374279671,043
Taxes -153180321728885222237
Profit After Tax 9898172141215451149343745805
Adjusted EPS (₹)
Dividend Payout Ratio (%)91%95%78%102%74%35%57%33%18%19%

Balance Sheet

(All Figures are in Crores.)

Equity and Liabilities

Equity Capital1,3231,4001,4761,4991,4823,5313,6083,8214,4275,115
Share Capital 59626364646476767676
Reserves 1,2641,3381,4131,4361,4183,4673,5323,7454,3515,039
Minority Interest0000000000
Long Term Borrowings290336355298-78,13311,35511,92414,07816,478
Current Liabilities 1201591175,8624,1846,2594,4732,457
Trade Payables0001153486696133
Short term borrowings000004,6703,0874,4582,3111,194
Other Liabilities000-1-1-4,711-3,134-4,525-2,407-1,328
Total Liabilities 1,6151,7561,8451,8901,49317,53719,14722,00422,97824,051


Non Current Asset 1,5951,7081,7641,7791,4591,6782,2732,5504,1735,625
Loan Asset 0000000000
Other Non Current Asset 1,5951,7081,7641,7791,4591,6782,2732,5504,1735,625
Current Asset 2048821103415,85916,87419,45518,80518,425
Current Investment00078019965100143
Other Current Asset204882323415,66016,22319,45518,80518,282
Total Assets 1,6151,7561,8451,8901,49317,53719,14722,00422,97824,051

Cash Flow

(All Figures are in Crores.)
Cash Flow From Operating Activity -3811259987552,539109-7953,556-2,081
Cash Flow From Investing Activity 339-112-4152177209-722459-927-1,384
Cash Flow From Financing Activity -8428-96-134-217-2,4888051,782-324870
Net Cash Flow -12641-385152601921,4462,305-2,595

Operational & Financial Ratios

EPS (₹)3354714492021
DPS (₹)3345552344
BVPS (₹)454547474611095100116134

Performance Ratios

ROA (%)
ROE (%)
ROCE (%)6.37.613.39.216.622.18.610.412.711.6

Valuation Parameters


IIFL Finance Ltd Stock News

IIFL Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of IIFL Finance on 12-Apr-2024 10:20 is ₹435.6.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Apr-2024 10:20 the market cap of IIFL Finance stood at ₹16,622.2.
The latest P/E ratio of IIFL Finance as of 12-Apr-2024 10:20 is 24.13.
The latest P/B ratio of IIFL Finance as of 12-Apr-2024 10:20 is 2.99.
The 52-week high of IIFL Finance is ₹704.2 and the 52-week low is ₹313.2.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IIFL Finance is ₹4,309 ( Cr.) .

About IIFL Finance Ltd

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. 


  • Demat Account
  • Home Loan
  • Personal Loan
  • Gold Loan
  • Business Loan
  • Loan Against Property
  • NRI Services
  • Realty
  • Institutional Equities
  • Asset Management
  • Investment Banking



  • Received the ‘Best Customer Services Excellence in Financial Services’ award for the CategoryCustomer Service and Loyalty at the World Quality Congress and Awards 2018
  • Received the ‘Digital Innovation Award’ under the Cloud Category at Indian Express Group BFSI Awards
  • Received the ‘Best On-boarding Solution’ award at People Matters Learning and Development Conference
  • Recognised as a ‘Disruptor’ in BFSI sector for innovation through technological intervention in NBFC space by ET Now and Broadcast One
  • Mr. R Venkataraman featured as the Best CEO in Business World listing for large category firms
  • KUTUMB An Initiative for Green Affordable Housing won best Green Initiative in Affordable Housing segment at ET Now Green Future Leadership Awards 2019
  • Received ‘The Best Affordable Housing Finance Company of the Year’ award at ABP News BFSI Awards 2018
  • Awarded as the ‘Best Performing Primary Lending Institution’ under CLSS for EWS/LIG - Second
  • Won the ‘Most Promising Brand for Housing Finance’ by Times Network 


  • Received golden peacock award for risk management from The Institute Of Directors at Singapore Global Convention On Board Leadership & Risk Management.
  • Ranked as India’s most trusted Non-Banking Financial Company (NBFC) in a select list of top 10 NBFCs to watch in 2019 by the Insights Success magazine
  • Won the ‘Best Fintech NBFC of the Year Award’ at the India NBFC Excellence Awards  2019 Recognised as one of the ‘Most Promising Brands’ in the BFSI segment by The Economic Times
  • The Economic Times recognised Chairman Mr.Nirmal Jain, as one of the ‘Most Promising Business Leaders of Asia’ for demonstrating exemplary leadership qualities
  • Received the ‘Most Admired Service Provider in Financial Sector’ award at the ET Now World BFSI Awards
  • Received the ‘Great Place to Work’ certification
  • Received Tata Institute of Social Sciences and LeapVault Award for the ‘Best on the Job Training Program’ at the Chief Learning Officers Summit in Mumbai
  • Received the ‘Best ATL Campaign’ award at mCube Awards for ‘IIFL Bonds Campaign’
  • Received the ‘Best Communications Strategy of the Year’ award at the Corporate Communication and PR Summit
  • IIFL Finance legal team included in ‘The Legal 500’s GC Power list: India Teams 2019’
  • Featured among the top 25 companies in ‘India’s Best Workplaces in BFSI 2020’
  • IIFL awarded ‘Great Place to Work’ certification for the year 2019-20


  • 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).
  • 2014: IIFL Wealth acquires India Alternatives
  • 2014: The Company has changed its name from India Infoline Ltd. to IIFL Holdings Ltd.
  • 2014: Set up advisory services for succession and estate planning in IIFL Wealth Management
  • 2015: Launched mobile trading platform
  • 2016: Fairfax Group belonging to the reputed global investor Mr. Prem Watsa of Canada invested Rs. 13,414 million (US$ 202 million) by a secondary purchase of IIFL Holdings shares through an open offer.-
  • 2016: CDC Group plc, the United Kingdom’s development finance institution, invested Rs. 10,050 million (US$ 150 million) in the NBFC subsidiary, India Infoline Finance Ltd.
  • 2016: General Atlantic, leading global growth equity firm, invested Rs. 9,038 million (US$ 134 million) in IIFL Wealth Management Ltd through fresh issue of equity shares and additionally Rs. 1,591 million (US$ 23 million) for the acquisition of shares from employees of IIFL Wealth.
  • 2018: Launched IIFL Collection mobile app for collection officers
  • 2019: Enhanced the in house new Loan Origination System for salaried persons, which can be accessed on tablets, enhancing the digital on-boarding process
  • 2020: Digital personal/working capital loans scheme launched in the period of pandemic to support existing customers
  • 2020: IIFL Finance collaborates with CSB Bank
  • 2020: 430 new branches added
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