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IIFL Finance Ltd - Stock Valuation and Financial Performance

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

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IIFL Finance Share Price

 ₹533.35 6.40 1.21%
as on 18-Jul'25 16:59

IIFL Finance Ltd - Stock Valuation and Financial Performance

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

Place order

IIFL Finance Share Price

 ₹533.35 6.40 1.21%
as on 18-Jul'25 16:59

DeciZen - make an informed investing decision on IIFL Finance

Overall Rating ⓘ
Bole Toh

1. Quality

Somewhat Good
Check detailed 10 Yrs performace

2. Valuation

Fair
Check 10 Yrs Valuation charts

3. Price Trend

Strong
Check Price chart

IIFL Finance stock performance -

PE Chart Key Ratios
mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
22,391.7 Cr.
52-wk low:
281
52-wk high:
560.5

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 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

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
Standalone Basis P Consolidated Basis P
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
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2111432462,9532,6503,3974,0804,0594,6054,0664,066
YoY Gr. Rt. %--32.5%72.7%1099.3%-10.3%28.2%20.1%-0.5%13.5%-11.7%-
Adj EPS (₹ ) 5.34.36.513.73.88.819.120.614.9-9.7-9.6
YoY Gr. Rt. %--18.7%52.1%109.8%-72.2%129.8%117.2%7.8%-27.6%-164.8%-
BVPS (₹ )45.345.845107.192.297.6112.9130.3141.4151.3151.2
YoY Gr. Rt. %-1.2%-1.8%138.2%-14%5.8%15.8%15.4%8.5%7.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)9.67.512.74.70.81.73.33.42.3-1.40

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income38.9%8.9%-0.1%-11.7%
Adj EPS-206.9%-220.4%-179.7%-164.8%
BVPS14.3%10.4%10.3%7.1%
Share Price 10.4% 49.8% 16.8% 13%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0.50.60.80.70.811.60.61.90-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)81.698.787.215.35.610.118.319.912.7-10.1-10.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)129.514.418.14.29.318.116.911-6.8-6.4

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined -10.56 CAGR in last 3 years

Net Profit has declined -179.69 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - IIFL Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -9.6 8.9
TTM Sales (₹ Cr.) 4,066 10,211
BVPS (₹.) ⓘ 151.2 288.2
Reserves (₹ Cr.) ⓘ 6,340 12,160
P/BV ⓘ 3.49 1.83
PE ⓘ 0.00 59.12
From the Market
52 Week Low / High (₹) 280.95 / 560.50
All Time Low / High (₹) 14.47 / 847.63
Market Cap (₹ Cr.) 22,392
Equity (₹ Cr.) 85
Face Value (₹) 2
Industry PE ⓘ 31.9

Valuation of IIFL Finance

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Analyst's Notes

IIFL Finance Initiating Coverage - 15 Jun 2023

IIFL Finance Ltd is an Indian diversified Non-Banking Financial Company (NBFC) and its subsidiaries are involved in the lending and mortgage business. The company provides a comprehensive range of products including home loans, gold loans, business loans, microfinance, capital market finance, developer and construction finance.

Industry Overview

Demand for credit is high in underpenetrated low & middle income population. Affordable housing (usually 5-25 Lakh ticket size) credit for low income group,this segment has estimated shortage 100mn units in 2022 as compared to 25mn units in FY07, where in 95% of the housing shortage is expected to be in EWS and LIG segment. Credit demand in this segment is expected to be 23.7 Lakh Cr. Under Loan against property by MSME credit demand is expected to be 3.1 Lakh Cr with 64 Mn MSMEs with only 14% having access to credit & 40% with lack of collateral. Total MSME demand for credit stands at 25 Lakh cr.  

As of FY23, Indian households possess 14% (28,000 tonnes) of the world's gold, in terms of value, India's share amounts to Rs 130 trillion, with Rs 85 trillion attributed to jewellery. However, only approximately 20% of this gold is pledged as collateral. The unorganized sector has a stronghold on the majority share of 65%, while the remaining 35% is managed by organized players such as banks and non-banking financial companies (NBFCs). With the current organized market operating at a mere 7% of the total gold holdings, even a marginal increase of 1% in penetration could result in approximately 15% growth for the entire organized segment. The organized market has AUM of around Rs 5.7 trillion as of FY23.

Business Segment

On Book Lending

IIFL acts as traditional NBFC lending to various segments like Affordable Housing, Microfinance, Gold Loan, and Construction Loans. IIFL usually lends to middle to low income section of economy.

Off Book Lending

IIFL has created a significant portion of loan book off its book, 39% of it AUM. It does by securitising, assignment or co-lending these loans to different financial institutions. Usually firm sell their loans to different banks/NBFC to raise funds, by providing a yield to these buyers of loans. This model allows it to grow its book faster, without having to raise equity for the same. It sells these loans in different segment by providing a yield usually in range of 8-9% to different entities and passes credit cost to buyer of these loans, although it needs to create a certain provision (credit enhancement given to buyer in form of reserves) against non-performing loans. IIFL gets fee for servicing, processing and sourcing these loans.

While in co-lending, IIFL sources loans and lends it collaboration with Bank or NBFC. This segment yields and NIM are function of weighted average of cost of borrowing, and credit cost is shared between proportionately between lenders. IIFL gets fee for servicing, processing and sourcing these loans.

Business Performance

(In Cr)

FY23

FY22

FY21

Advances

40,102

34,042

33,902

Net Interest Income (NII)

3,018

2,371

2,102

GNPA

1.84%

3.15%

2.14%

PAT

1,608

1,188

761

Off-Book AUM

24,536

17,143

11,076

Borrowing

39,604

35,725

32,264

 

Competition

IIFL faces competition from Canfin, Aavas, various afforadable housing loan NBFC/banks. In MFI segment from CreditAccess, Equitas SFB and others, while in gold loans from Manappuram and Muthoot.

Risks

Larger provisions for off-book assets and taking losses first can destroy equity value for IIFL.

Lower sourcing and servicing fee earned for off book asset.

Inferior quality assets on its book, with higher probability of losses.

Distribution reach and understanding of different loan segments, can hurt IIFL’s underwriting.

Key Ratios of IIFL Finance

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income2111432712,9982,7433,4394,3234,1694,6494,228
Interest Income2111432462,9532,6503,3974,0804,0594,6054,066
Other Income ⓘ 002545934224311045162
Expenditure ⓘ 212252,4902,5113,0653,3553,1263,9194,192
Interest Expense ⓘ 6051,3701,2511,5591,6251,4601,7031,849
Operating Expenses ⓘ 142167587927319891,2921,4171,343
Provisions 0143624687757413757991,000
Exceptional Items ⓘ 000115553000-587
Profit Before Tax ⓘ 1911412466232374279671,043730-551
Taxes ⓘ 180321728885222237145-141
Profit After Tax 172141215451149343745805585-410
Adjusted EPS (₹)5.34.36.513.73.88.819.120.614.9-9.7
Dividend Payout Ratio (%)78%102%74%35%57%33%18%19%26%0%

Balance Sheet

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital1,4761,4991,4823,5313,6083,8214,4275,1155,5956,507
Share Capital ⓘ 63646464767676767685
Reserves ⓘ 1,4131,4361,4183,4673,5323,7454,3515,0395,5196,422
Minority Interest0000000000
Long Term Borrowings355298-78,13311,35511,92414,07816,48013,82316,103
Current Liabilities 1591175,8624,1846,2594,4732,4578,0769,209
Trade Payables0115348669613214093
Short term borrowings0004,6703,0874,4582,3111,1946,4398,445
Other Liabilities0-1-1-4,711-3,134-4,525-2,407-1,326-6,579-8,538
Total Liabilities ⓘ 1,8451,8901,49317,53719,14722,00422,97824,05227,49531,819

Assets

Non Current Asset 1,7641,7791,4591,6782,2732,5504,1735,62525,04029,874
Loan Asset 0000000018,42722,867
Other Non Current Asset ⓘ 1,7641,7791,4591,6782,2732,5504,1735,6256,6137,007
Current Asset 821103415,85916,87419,45518,80518,4272,4561,945
Current Investment07801996510014384343
Other Current Asset82323415,66016,22319,45518,80518,2842,3721,602
Total Assets ⓘ 1,8451,8901,49317,53719,14722,00422,97824,05227,49531,819

Cash Flow

(All Figures are in Crores.)
Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 9987552,539109-7953,556-1,757-3,303-5,310
Cash Flow From Investing Activity ⓘ -4152177209-722459-927-1,468-337-675
Cash Flow From Financing Activity ⓘ -96-134-217-2,4888051,782-3246312,7425,649
Net Cash Flow ⓘ -385152601921,4462,305-2,594-898-336

Finance Ratio

Standalone Basis Consolidated Basis
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)5471449202115-10
DPS (₹)4555234440
BVPS (₹)47474611095100116134146151

Performance Ratios

ROA (%)9.67.512.74.70.81.73.33.42.3-1.4
ROE (%)12.09.514.418.14.29.318.116.911.0-6.8
ROCE (%)13.39.216.622.18.610.412.711.610.14.6

Valuation Parameters

Price/Book(x)4.48.515.23.90.82.82.53.62.32.2

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 18-Jul-2025 16:59 is ₹533.4.
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 18-Jul-2025 16:59 the market cap of IIFL Finance stood at ₹22,391.7.
The latest P/E ratio of IIFL Finance as of 18-Jul-2025 16:59 is 0.00.
The latest P/B ratio of IIFL Finance as of 18-Jul-2025 16:59 is 3.49.
The 52-week high of IIFL Finance is ₹560.5 and the 52-week low is ₹280.9.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IIFL Finance is ₹4,066 ( 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. 

Products

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

Awards

FY2018-19

  • 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 

FY2019-20

  • 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

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).
  • 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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