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IIFL Finance Ltd (IIFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532636 NSE: IIFL Finance - NBFC | Small Cap | IIFL Finance Share Price
₹625.10 5.35 (0.86%)
As on 12-Aug'26 16:59
IIFL Finance Ltd (IIFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532636 NSE: IIFL Finance - NBFC | Small Cap | IIFL Finance Share Price
₹625.10 5.35 (0.86%)
As on 12-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹26,363 Cr.
Current Price
₹625.1
52-Week Low / High
₹409 / 675
TTM EPS
₹35
Book Value per Share
₹186
P/E Ratio
17.72
Lower than its 5-year historical median
Industry PE
28.3
Price to Book (P/B)
3.33
Higher than its 5-year historical median
EV/EBITDA
11.04
In line with its 5-year historical median
Dividend Yield
0.64%
Profitability Efficiency
Return on Equity (ROE)
16.63%
Return on Capital Employed (ROCE)
12.36%
Return on Assets (ROA)
2.84%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
88.25%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
15.69%
Asset Quality
Gross NPA(%)
1.50%
Net NPA(%)
0.59%
TTM Sales
₹8,342 Cr.
Reserves
₹7,829 Cr.
Equity
₹85.1 Cr.
Face Value
₹2
All Time Low / High
₹14.47 / 847.63
Check Before You Invest
Quality
Somewhat GoodValuation
FairCheck Valuation charts
Price Trend
Strong
Is IIFL Finance Ltd a good quality company?
IIFL Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does IIFL Finance Ltd performance compare with that of its Peers?
AUM Growth of IIFL Finance Ltd vs Industry Peers?
IIFL Finance Ltd AUM CAGR is 17.58%, compared to the 5-year industry median CAGR of 9.82%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of IIFL Finance Ltd?
Promoters hold 24.85% of the IIFL Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of IIFL Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 8.4% based on the current price.
10 Year X-Ray :
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 143 | 246 | 2,953 | 2,650 | 3,397 | 4,080 | 4,059 | 4,605 | 4,066 | 7,448 | 8,342 | |
| YoY Gr. Rt. % | - | 72.7% | 1099.3% | -10.3% | 28.2% | 20.1% | -0.5% | 13.5% | -11.7% | 83.2% | - | |
| Adj EPS (₹ ) | 4.3 | 6.5 | 13.7 | 3.8 | 8.8 | 19.1 | 20.6 | 14.9 | -9.7 | 27.1 | 35 | |
| YoY Gr. Rt. % | - | 52.1% | 109.8% | -72.2% | 129.8% | 117.2% | 7.8% | -27.6% | -164.8% | NA | - | |
| BVPS (₹ ) | 45.8 | 45 | 107.1 | 92.2 | 97.6 | 112.9 | 130.3 | 141.4 | 151.3 | 175.1 | 186 | |
| YoY Gr. Rt. % | - | -1.8% | 138.2% | -14% | 5.8% | 15.8% | 15.4% | 8.5% | 7.1% | 15.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 7.5 | 12.7 | 4.7 | 0.8 | 1.7 | 3.3 | 3.4 | 2.3 | -1.4 | 2.8 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 55.2% | 17% | 22.4% | 83.2% | ||||
| Adj EPS | 22.7% | 25.3% | 9.7% | NA | ||||
| BVPS | 16.1% | 12.4% | 10.3% | 15.7% | ||||
| Share Price | 8.5% | 16.9% | 4.1% | 39.3% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0.6 | 0.8 | 0.7 | 0.8 | 1 | 1.6 | 0.6 | 1.9 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 98.7 | 87.2 | 15.3 | 5.6 | 10.1 | 18.3 | 19.9 | 12.7 | -10.1 | 15.5 | 17.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 9.5 | 14.4 | 18.1 | 4.2 | 9.3 | 18.1 | 16.9 | 11 | -6.8 | 16.6 | 18.8 | |
Valuation of IIFL Finance - Standalone
Analyst's Notes
No data found!
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 143 | 271 | 2,998 | 2,743 | 3,439 | 4,323 | 4,169 | 4,649 | 4,228 | 7,510 |
| Exceptional Items ⓘ | 0 | 25 | 45 | 93 | 42 | 243 | 110 | 45 | 162 | 62 |
| Expenditure ⓘ + | 2 | 25 | 2,490 | 2,511 | 3,065 | 3,355 | 3,126 | 3,919 | 4,192 | 6,004 |
| Exceptional Items ⓘ | 0 | 0 | 115 | 5 | 53 | 0 | 0 | 0 | -587 | 0 |
| Profit Before Tax ⓘ | 141 | 246 | 623 | 237 | 427 | 967 | 1,043 | 730 | -551 | 1,506 |
| Taxes ⓘ | 0 | 32 | 172 | 88 | 85 | 222 | 237 | 145 | -141 | 353 |
| Profit After Tax | 141 | 215 | 451 | 149 | 343 | 745 | 805 | 585 | -410 | 1,154 |
| Adjusted EPS (₹) | 4.3 | 6.5 | 13.7 | 3.8 | 8.8 | 19.1 | 20.6 | 14.9 | -9.7 | 27.1 |
| Dividend Payout Ratio (%) | 101.70% | 74.30% | 35.40% | 57.20% | 33.20% | 17.80% | 18.90% | 26.10% | 0% | 14.80% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 1,499 | 1,482 | 3,531 | 3,608 | 3,821 | 4,427 | 5,115 | 5,595 | 6,507 | 7,561 |
| Short term borrowings | 0 | 0 | 4,670 | 3,087 | 4,458 | 2,311 | 1,194 | 6,439 | 8,445 | 15,479 |
| Long Term Borrowings | 298 | -7 | 8,133 | 11,355 | 11,924 | 14,078 | 16,480 | 13,823 | 16,103 | 23,407 |
| Current Liabilities | 91 | 17 | 5,862 | 4,184 | 6,259 | 4,473 | 2,457 | 8,076 | 9,209 | 18,481 |
| Trade Payables | 1 | 1 | 53 | 48 | 66 | 96 | 132 | 140 | 93 | 166 |
| Other Liabilities | -1 | -1 | -4,711 | -3,134 | -4,525 | -2,407 | -1,326 | -6,579 | -8,538 | -15,645 |
| Total Liabilities ⓘ | 1,890 | 1,493 | 17,537 | 19,147 | 22,004 | 22,978 | 24,052 | 27,495 | 31,819 | 49,449 |
Assets | ||||||||||
| Non Current Asset + | 1,779 | 1,459 | 1,678 | 2,273 | 2,550 | 4,173 | 5,625 | 25,040 | 29,874 | 45,716 |
| Current Asset + | 110 | 34 | 15,859 | 16,874 | 19,455 | 18,805 | 18,427 | 2,456 | 1,945 | 3,733 |
| Total Assets ⓘ | 1,890 | 1,493 | 17,537 | 19,147 | 22,004 | 22,978 | 24,052 | 27,495 | 31,819 | 49,449 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 87 | 55 | 2,539 | 109 | -795 | 3,556 | -1,757 | -3,303 | -4,791 | -13,221 |
| Cash Flow From Investing Activity ⓘ | 52 | 177 | 209 | -722 | 459 | -927 | -1,468 | -337 | -1,250 | -271 |
| Cash Flow From Financing Activity ⓘ | -134 | -217 | -2,488 | 805 | 1,782 | -324 | 631 | 2,742 | 5,706 | 14,286 |
| Net Cash Flow ⓘ | 5 | 15 | 260 | 192 | 1,446 | 2,305 | -2,594 | -898 | -336 | 794 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 4.40 | 6.70 | 14.10 | 3.90 | 9 | 19.60 | 21.20 | 15.30 | -9.70 | 27.10 |
| DPS (₹) | 4.50 | 5 | 5 | 2.30 | 3 | 3.50 | 4 | 4 | 0 | 4 |
| BVPS (₹) | 47.2 | 46.3 | 110.3 | 94.9 | 100.4 | 116.3 | 134.2 | 145.5 | 151.3 | 175.1 |
Performance Ratios | ||||||||||
| ROA (%) | 7.5 | 12.7 | 4.7 | 0.8 | 1.7 | 3.3 | 3.4 | 2.3 | -1.4 | 2.8 |
| ROE (%) | 9.5 | 14.4 | 18.1 | 4.2 | 9.3 | 18.1 | 16.9 | 11.0 | -6.8 | 16.6 |
| ROCE (%) | 9.2 | 16.6 | 22.1 | 8.6 | 10.4 | 12.7 | 11.6 | 10.1 | 4.6 | 12.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 8.5 | 15.2 | 3.9 | 0.8 | 2.8 | 2.5 | 3.6 | 2.3 | 2.2 | 2.5 |
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IIFL Finance Ltd FAQs
The current trading price of IIFL Finance on 12-Aug-2026 16:59 is ₹625.1.
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 11-Aug-2026 the market cap of IIFL Finance stood at ₹26,363 Cr
The latest P/E ratio of IIFL Finance as of 11-Aug-2026 is 17.72.
The latest P/B ratio of IIFL Finance as of 11-Aug-2026 is 3.33.
The 52-week high of IIFL Finance is ₹675.0 and the 52-week low is ₹409.4.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IIFL Finance is ₹8,342 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that IIFL Finance Ltd is a average quality company.
The key valuation ratios of IIFL Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
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
About IIFL Finance Ltd
IIFL Finance is a leading retail-focused non-banking financial company headquartered in Mumbai. The Company has evolved into a diversified financial services platform, delivering comprehensive and customer-centric lending solutions to underserved and emerging segments across India.
Anchored in a secured, retail-led lending strategy, IIFL Finance has built a resilient and scalable business model, with gold loans and mortgages forming the core of its portfolio. Along with its subsidiaries - IIFL Home Finance and IIFL Samasta Finance - the Company offers a wide spectrum of products, focusing majorly on home loans, gold loans, business loans, supply chain finance and microfinance loans. This calibrated shift towards collateral-backed lending has strengthened portfolio quality while ensuring consistent and sustainable growth.
Business area of the company
The company is a leading retail-focused non-banking financial company headquartered in Mumbai. The company offers a broad suite of financial products and deals majorly into loans such as gold loan, business loans, loan against property, supply chain finance.
Products and offerings of the company
Gold Loans
- Agriculture gold loan
- Education gold loan
- Gold loan for women
- Gold loan for MSME
- Gold auction
- Suvarna Dhara Gold Loan
Affordable Home Loans
- Home Loan
- PMAY-U 2.0
- LAP - Loan Against Property
- Balance Transfer
- Home Improvement Loan
- Home Loan for Uniformed Services
- NRI Home Loan
MSME Loans
- MSME Loan
- MSME Knowledge Center
- Business Loan for women
- Supply chain finance
- E-Commerce business loans
Microfinance
- SAMRIDDHI (Income Generation Loan)
- Samvardhana (Top-up Loan)
- Surabhi (Dairy Cattle Loan)
- SAJAL (Water & Sanitation Loan)
- SUVIDHA (Consumer Product Loan)
- Samriddhi Plus (Income Generation Loan)
- PRAGATI (Mortgage Loan)
- SAMPARK (Mortgage Loan)
- SAMPARK ADVANTAGE (Mortgage Loan)
- Unsecured Business Loans
- Two-Wheeler Loans
Awards and accolades
- 2017: IIFL receives “Data Center Innovation award” for adopting futuristic technology in Data Center virtualization and automation.
- 2018: Most Promising Brand for Housing Finance by Times Network
- 2019: Best Housing Finance Company of the Year 2019 by DNA
- 2020: IIFL Finance selected among “ET Best Brands” by The Economic Times
- 2020: IIFL Finance wins ‘Golden Peacock Award for Risk Management'
- 2023: World BFSI Congress & Awards - Best Sustainability Initiative
- 2023: World BFSI Congress & Awards - Best Lending Tech Of The Year
- 2023: Global Brand Excellence Awards - Marketing Campaign Of The Year
- 2024: NBFC & Fintech Leadership Awards 2024 - Best Cyber Security Initiative
- 2024: NBFC & Fintech Leadership Awards 2024 - Best Data Driven NBFC Of The Year
- 2025: Great Place To Work India - Ranked 77 among India’s Top 100 Best Workplaces
- 2025: ET Now - Best Organizations to Work 2025
- 2025: Ambition Box Employee Choice Awards 2025
- 2026: Great Place to Work India - Ranked 55 among India’s Top 100 Best Workplaces 2026
- 2026: Great Place to Work India - Top 25 India's Best Workplaces in BFSI 2026
- 2026: Great Place to Work India - India's Best Workplaces in NBFCs 2026
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
- 2022: IIFL Finance Buys Back $50 Million Overseas Bonds
- 2022: IIFL Finance And ZestMoney Enter Into An Industry First Partnership To Drive Financial Inclusion.
- 2023: IIFL Finance Signs Top Pan-Indian Actor Tamannaah Bhatia as Brand Ambassador.
- 2023: IIFL Finance Duly Repays $400 Million Maiden Dollar Bonds Issue on Maturity.
- 2023: IIFL Finance Raises $175 Million from HSBC, Union Bank and Bank of Baroda Via ECB Route.
- 2024: IIFL Finance Recognized by Great Place To Work® India as Best Workplace in NBFC Industry for 2024.
- 2025: IIFL Finance is Among India’s Top 25 Best Workplaces in BFSI for 2025.
- 2025: IIFL Finance Expands Credit Services to Jammu & Kashmir with Focus on Financial Inclusion.
- 2025: Bank of Baroda and IIFL Finance Enter into Co-Lending Agreement.
- 2025: S&P Upgrades IIFL Finance’s Outlook to ‘Positive’ On Recovering Market Share in Gold Loans; 'B+/B' Ratings Affirmed
- 2026: IIFL Finance Scores 46 in First S&P Global Sustainability Assessment, Registers a 15-point Improvement.
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