IIFL
IIFL Finance Limited (IIFL) Stock Analysis
IIFL Finance Limited provides gold loans, home loans, and SME finance through branches and digital channels. It is part of the IIFL group focused on retail and secured lending. The company targets underserved segments with quick underwriting. It is a listed NBFC.
Financial Services › Credit Services
₹615.40
+2.96% 1W | +20.00% 52W
Market Cap
26.3k CR
P/E Ratio
12.5
52W High
₹705
52W Low
₹409.1
Div. Yield
0.67%
Beta
0.3
50 DMA
₹619.7
200 DMA
₹534.4
Profit Margin
26.1%
Inst. Own.
20.4%
🛑 HIT RESISTANCE
🛑 HIT RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,301 | 2,478 | 2,649 | 2,854 | 2,621 | 2,556 | 2,443 | 2,591 | 2,953 | 3,305 | 3,427 | 3,692 | 3,919 |
| Interest | 888 | 932 | 985 | 1,063 | 1,042 | 963 | 996 | 1,169 | 1,289 | 1,382 | 1,437 | 1,610 | 1,719 |
| Expenses | 822 | 877 | 948 | 1,255 | 1,109 | 1,105 | 1,307 | 1,065 | 1,267 | 1,323 | 1,280 | 1,194 | 1,211 |
| Financing Profit | 591 | 670 | 715 | 536 | 470 | 488 | 140 | 357 | 397 | 600 | 710 | 889 | 989 |
| Financing Margin % | 26% | 27% | 27% | 19% | 18% | 19% | 6% | 14% | 13% | 18% | 21% | 24% | 25% |
| Other Income | 69 | 57 | 46 | 68 | 12 | -582 | 6 | 3 | 6 | 4 | 5 | 7 | 3 |
| Depreciation | 42 | 43 | 45 | 50 | 46 | 46 | 46 | 51 | 47 | 47 | 53 | 64 | 63 |
| Profit before tax | 618 | 684 | 716 | 554 | 436 | -140 | 101 | 309 | 356 | 557 | 663 | 833 | 929 |
| Tax % | 24% | 23% | 24% | 22% | 22% | -33% | 19% | 19% | 23% | 25% | 24% | 25% | 23% |
| Net Profit | 473 | 526 | 545 | 431 | 338 | -93 | 82 | 251 | 274 | 418 | 501 | 623 | 713 |
| EPS in Rs | 10.06 | 11.20 | 11.58 | 8.81 | 6.79 | -3.72 | 0.96 | 4.89 | 5.49 | 8.86 | 10.92 | 13.80 | 15.87 |
| Gross NPA % | 1.84% | 1.84% | 1.71% | 2.32% | 2.25% | 2.35% | 2.42% | 2.23% | 2.34% | 2.14% | 1.60% | 1.46% | 1.55% |
| Net NPA % | 1.06% | 1.02% | 0.87% | 1.20% | 1.11% | 1.06% | 1.01% | 1.05% | 1.13% | 1.02% | 0.75% | 0.73% | 0.82% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,551 | 3,952 | 3,163 | 6,405 | 4,978 | 4,847 | 5,968 | 6,991 | 8,444 | 10,472 | 10,233 | 13,366 | 14,344 |
| Interest | 1,445 | 1,690 | 1,786 | 2,730 | 2,593 | 2,413 | 2,638 | 3,011 | 3,245 | 3,896 | 4,196 | 5,736 | 6,148 |
| Expenses | 1,319 | 1,362 | 689 | 2,221 | 1,435 | 1,682 | 2,239 | 2,355 | 2,936 | 3,842 | 4,559 | 5,018 | 5,008 |
| Financing Profit | 787 | 900 | 689 | 1,454 | 950 | 752 | 1,090 | 1,625 | 2,263 | 2,734 | 1,478 | 2,612 | 3,188 |
| Financing Margin % | 22% | 23% | 22% | 23% | 19% | 16% | 18% | 23% | 27% | 26% | 14% | 20% | 22% |
| Other Income | -4 | 8 | 375 | 61 | 212 | 79 | 20 | 32 | 2 | 18 | -583 | 7 | 19 |
| Depreciation | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 181 | 189 | 211 | 226 |
| Profit before tax | 724 | 843 | 1,048 | 1,448 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 2,409 | 2,981 |
| Tax % | 34% | 34% | 22% | 30% | 30% | 31% | 24% | 23% | 24% | 23% | 18% | 25% | |
| Net Profit | 476 | 555 | 822 | 1,021 | 796 | 503 | 761 | 1,188 | 1,608 | 1,974 | 578 | 1,817 | 2,256 |
| EPS in Rs | 12.98 | 14.53 | 19.42 | 22.42 | 22.40 | 11.94 | 18.06 | 28.16 | 35.49 | 41.60 | 8.92 | 39.05 | 49.45 |
| Dividend Payout % | 21% | 26% | 21% | 20% | 20% | 17% | 15% | 11% | 10% | 9% | 0% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 17.0% | 18.0% | 13.0% |
| Profit CAGR | 3.0% | 17.0% | 12.0% |
Shareholding Pattern
Promoters24.86%
FIIs26.77%
DIIs9.13%
Public39.23%
Promoters24.85%
FIIs27.77%
DIIs9.16%
Public38.20%
Promoters24.84%
FIIs28.16%
DIIs7.09%
Public39.92%
Promoters24.84%
FIIs23.86%
DIIs7.50%
Public43.80%
Promoters24.76%
FIIs25.63%
DIIs7.85%
Public41.75%
Promoters24.85%
FIIs28.09%
DIIs4.04%
Public43.01%
Promoters24.78%
FIIs29.14%
DIIs8.59%
Public37.47%
Promoters24.90%
FIIs28.03%
DIIs5.54%
Public41.54%
Promoters24.84%
FIIs28.16%
DIIs7.09%
Public39.92%
Promoters24.76%
FIIs25.63%
DIIs7.85%
Public41.75%
IIFL
Holdings Analysis
Key strengths & risk signals
56
Overall
46
Fundamental
67
Technical
Risks (2)
VERY HIGH DEBT! D/E of 3.69 - significant risk.
RECOVERY MODE! Current price (615.4) above 200-day but below 50-day.
Strengths (4)
EXCELLENT EFFICIENCY! 26.1% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (619.7) is above 200-day average (534.4) - positive signal.
STRONG MOMENTUM! Price has grown across all timeframes - up 3.0% (1 week), 5.1% (1 month), 10.8% (3 months). Momentum is accelerating.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
Fundamental & Technical Analysis
56Overall
46Fundamental
67Technical
Fundamental Breakdown
Growth Quality
16/30
Revenue CAGR: 13.6% (GOOD, 11/15). Profit CAGR: 3.4% (SLOW, 5/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 26.1% profit margin - company keeps strong profits.
PEG Valuation
3/10
OVERVALUED! PEG of 3.68 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.67% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.69 - significant risk.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 40.98% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (619.7) is above 200-day average (534.4) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (615.4) above 200-day but below 50-day.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
6/10
POSITIVE YEAR! Stock gained 20.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 18 up days, 12 down days. Avg volume on up days: 2,500,206 vs down days: 2,220,359. Ratio: 1.13x
RSI
3/5
NEUTRAL! RSI at 53.6 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 69.7% of 52W range - positive territory.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 3.0% (1 week), 5.1% (1 month), 10.8% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
IIFL
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-28 | Concall PDF | |
| Q2FY262026-01-28 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IIFL | ₹615.40 | 12.5 | 26.1% | 13.6% | 3.4% | +20.0% | 56 | HIT RESISTANCE | +189.2% | +15.0% | +30.1% | +4.7% |
| CHOLAHLDNG | ₹1,360.00 | 9.6 | 11.9% | 28.0% | 23.7% | -26.8% | 63 | APPROACHING SUPPORT | +39.3% | +17.3% | +19.8% | +5.0% |
| CGCL | ₹247.60 | 21.2 | 35.0% | 49.7% | 66.8% | +28.7% | 90 | BREAKDOWN | +102.1% | +25.0% | +56.8% | +11.7% |
| MANAPPURAM | ₹323.90 | 19.9 | 30.5% | 7.3% | -12.5% | +14.2% | 59 | BOUNCE FROM SUPPORT | +322.4% | +44.7% | +26.1% | +16.9% |
| IREDA | ₹108.80 | 15.5 | 69.3% | 34.5% | 29.4% | -29.3% | 68 | APPROACHING RESISTANCE | +37.1% | -31.3% | +16.2% | +4.0% |
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
Data from TradeAlone · Updated daily
