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IIFL Finance Limited (IN:IIFL)
:IIFL
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IIFL Finance Limited (IIFL) AI Stock Analysis

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IN:IIFL

IIFL Finance Limited

(IIFL)

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Neutral 57 (OpenAI - 4o)
Rating:57Neutral
Price Target:
₹457.00
▲(8.97% Upside)
The overall stock score of 57 reflects the company's financial challenges, including declining profitability and high leverage, which are significant risks. The technical analysis indicates a bearish trend, further impacting the score. The high P/E ratio suggests overvaluation, adding to the cautious outlook. The absence of earnings call data and corporate events limits additional insights.

IIFL Finance Limited (IIFL) vs. iShares MSCI India ETF (INDA)

IIFL Finance Limited Business Overview & Revenue Model

Company DescriptionIIFL Finance Limited provides various financial products and services in India and internationally. It offers home, personal, and gold loans; business loans, including loans against property, medium and small enterprise financing, micro finance, developer and construction finance, real estate finance, and capital market finance; and digital finance. The company also provides wealth and asset management services; and demat account, futures and options, and commodity trading services. It serves retail and corporate customers. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.
How the Company Makes MoneyIIFL Finance Limited generates revenue through interest income and fees associated with its diverse range of lending products. The company primarily earns money from the interest charged on home loans, gold loans, business loans, and various other secured and unsecured loan offerings. Additionally, IIFL benefits from processing fees, late payment charges, and other service-related fees. The company's partnerships with financial institutions and its widespread distribution network significantly enhance its ability to reach a broad customer base, contributing to its earnings. IIFL also leverages cross-selling opportunities through its wealth management and financial advisory services, further supplementing its revenue streams.

IIFL Finance Limited Financial Statement Overview

Summary
IIFL Finance Limited shows revenue growth and a strong gross profit margin but faces declining profitability and operational efficiency. The balance sheet is stable but pressured by high leverage, and cash flow management is a concern due to negative cash flows.
Income Statement
67
Positive
IIFL Finance Limited has shown consistent revenue growth over the years, with a revenue increase from previous years. However, there is a notable drop in EBIT and EBITDA margins in the latest year compared to the prior period, indicating a decline in operational efficiency. The net profit margin also decreased, showing reduced profitability. Despite these challenges, the company maintains a strong gross profit margin.
Balance Sheet
72
Positive
The company has a stable equity base with a positive trend in stockholders' equity growth, which signifies financial stability. However, the high debt-to-equity ratio indicates significant leverage, which poses a risk if not managed carefully. The equity ratio remains relatively healthy, suggesting a sound balance between assets and equity.
Cash Flow
61
Positive
IIFL Finance Limited faces challenges with negative operating and free cash flows, indicating potential liquidity issues. While the free cash flow has improved from the previous year, the operating cash flow to net income ratio is unfavorable, suggesting cash flow management concerns. The company needs to enhance cash generation to strengthen its financial position.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue99.33B99.25B101.58B79.13B70.13B59.53B
Gross Profit57.55B57.55B62.90B46.91B40.22B33.28B
EBITDA8.96B8.96B27.53B22.65B16.58B11.10B
Net Income3.79B3.79B17.64B15.00B11.88B7.60B
Balance Sheet
Total Assets676.44B676.44B624.21B514.64B459.10B406.67B
Cash, Cash Equivalents and Short-Term Investments41.92B41.92B24.70B58.03B81.45B47.96B
Total Debt523.60B510.68B471.61B408.45B368.65B330.57B
Total Liabilities536.89B536.89B503.65B412.62B394.40B352.73B
Stockholders Equity124.12B124.12B106.37B89.92B64.64B53.88B
Cash Flow
Free Cash Flow0.00-48.42B-61.16B-52.02B16.83B-36.27B
Operating Cash Flow0.00-47.81B-58.48B-49.41B17.84B-35.91B
Investing Cash Flow0.00-11.49B-13.56B-27.30B-9.96B2.36B
Financing Cash Flow0.0055.26B60.42B53.61B27.81B44.30B

IIFL Finance Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price419.40
Price Trends
50DMA
460.99
Negative
100DMA
458.04
Negative
200DMA
409.99
Positive
Market Momentum
MACD
-5.05
Positive
RSI
35.78
Neutral
STOCH
19.92
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IIFL, the sentiment is Negative. The current price of 419.4 is below the 20-day moving average (MA) of 441.16, below the 50-day MA of 460.99, and above the 200-day MA of 409.99, indicating a neutral trend. The MACD of -5.05 indicates Positive momentum. The RSI at 35.78 is Neutral, neither overbought nor oversold. The STOCH value of 19.92 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IIFL.

IIFL Finance Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
57
Neutral
₹178.24B54.990.75%2.65%-81.55%
56
Neutral
₹178.19B26.7311.12%0.11%39.82%96.14%
56
Neutral
₹150.31B13.7817.01%0.39%25.49%19.81%
56
Neutral
₹234.46B29.319.78%1.08%4.83%-64.41%
52
Neutral
₹143.71B43.831.97%-4.18%109.86%
51
Neutral
₹220.80B113.657.64%0.72%3.79%-87.06%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:IIFL
IIFL Finance Limited
419.40
-43.80
-9.46%
IN:CGCL
Capri Global Capital Limited
185.30
-21.38
-10.34%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,381.30
184.20
15.39%
IN:FIVESTAR
Five-Star Business Finance Limited
510.45
-266.86
-34.33%
IN:IFCI
IFCI Limited
53.34
-12.75
-19.29%
IN:MANAPPURAM
Manappuram Finance Limited
277.00
78.78
39.74%

IIFL Finance Limited Corporate Events

IIFL Finance Dispatches Digital Access for AGM and Annual Report
Jun 24, 2025

IIFL Finance Limited has announced the dispatch of letters containing a weblink and QR code to access the Notice and Annual Report for the financial year 2024-25. This initiative is part of their compliance with SEBI regulations and aims to ensure all shareholders, especially those without registered email addresses, can access important company documents. The 30th Annual General Meeting is scheduled for July 18, 2025, and will be conducted via video conferencing, reflecting the company’s adaptation to digital engagement with stakeholders.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 25, 2025