IIFL Finance Limited (IN:IIFL)
:IIFL
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IIFL Finance Limited
(IIFL)
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Rating:58Neutral
Price Target:
₹477.00
▼(-5.54% Downside)
Action:Reiterated
Date:05/01/26
The score is primarily driven by improving profitability (strong 2026 earnings rebound) but offset by elevated leverage and historically weak/volatile cash generation. Technicals add pressure due to a downtrend versus key moving averages, while valuation is supportive with a reasonable P/E but only a modest dividend yield.
Positive Factors
Revenue Growth
Sustained high reported revenue growth (34.6% in the pack) and revenue expansion through 2021–2026 indicate durable loan-book growth and improved market penetration in retail/SME segments. Strong top-line traction supports scale economics and the potential to absorb operating costs over the medium term.
Negative Factors
Elevated Leverage
Very high leverage (multi-year 4–6x D/E and rising total debt) constrains financial flexibility, magnifies earnings volatility from funding-cost shifts, and raises refinancing and solvency risk if credit conditions tighten. Capital buffers are thinner relative to cyclic downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained high reported revenue growth (34.6% in the pack) and revenue expansion through 2021–2026 indicate durable loan-book growth and improved market penetration in retail/SME segments. Strong top-line traction supports scale economics and the potential to absorb operating costs over the medium term.
Read all positive factors
IIFL Finance Limited (IIFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹197.74B
Dividend YieldN/A
Average Volume (3M)65.98K
Price to Earnings (P/E)7.8
Beta (1Y)1.48
Revenue Growth34.64%
EPS Growth316.68%
CountryIN
Employees14,829
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)39.07
Shares Outstanding425,289,580
10 Day Avg. Volume103,076
30 Day Avg. Volume65,980
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.31
Price to Sales (P/S)1.37
P/FCF Ratio15.77
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹520.00Price Target Upside2.97% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)59.38
Revenue Forecast (FY)₹93.22B
IIFL Finance Limited Business Overview & Revenue Model
Company Description
IIFL 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, d...
How the Company Makes Money
IIFL primarily makes money by lending and earning interest income (and related fees) on its loan portfolio. Its main revenue model is: (1) Net interest income (NII): the spread between interest earned on loans (e.g., gold loans, loans against prop...
IIFL Finance Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 133.74B | 99.25B | 101.58B | 79.13B | 70.13B |
| Gross Profit | 72.35B | 57.55B | 62.90B | 46.91B | 40.22B |
| EBITDA | 26.19B | 8.96B | 27.53B | 22.65B | 16.58B |
| Net Income | 16.61B | 3.79B | 17.64B | 15.00B | 11.88B |
Balance Sheet | |||||
| Total Assets | 890.59B | 676.44B | 624.04B | 514.64B | 459.10B |
| Cash, Cash Equivalents and Short-Term Investments | 63.73B | 22.91B | 26.29B | 58.03B | 81.45B |
| Total Debt | 696.98B | 515.33B | 471.36B | 408.45B | 368.65B |
| Total Liabilities | 734.40B | 536.89B | 503.48B | 428.01B | 394.40B |
| Stockholders Equity | 139.20B | 124.12B | 106.37B | 89.92B | 64.64B |
Cash Flow | |||||
| Free Cash Flow | 11.60B | -48.42B | -61.16B | -52.02B | 16.83B |
| Operating Cash Flow | 12.41B | -47.81B | -58.48B | -49.41B | 17.84B |
| Investing Cash Flow | -178.23B | -11.49B | -13.56B | -27.16B | -9.96B |
| Financing Cash Flow | 178.43B | 55.26B | 60.42B | 53.61B | 27.81B |
IIFL Finance Limited Technical Analysis
Positive
505.00
Price Trends
458.77
Positive
508.96
Negative
500.41
Negative
Market Momentum
0.80
Negative
52.87
Neutral
34.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IIFL, the sentiment is Positive. The current price of 505 is above the 20-day moving average (MA) of 452.19, above the 50-day MA of 458.77, and above the 200-day MA of 500.41, indicating a neutral trend. The MACD of 0.80 indicates Negative momentum. The RSI at 52.87 is Neutral, neither overbought nor oversold. The STOCH value of 34.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:IIFL.
IIFL Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹130.91B | 9.65 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹178.96B | 16.40 | ― | 0.11% | 45.87% | 74.12% | |
66 Neutral | ₹207.09B | 23.81 | ― | 0.77% | 5.00% | 45.78% | |
59 Neutral | ₹165.19B | 239.40 | ― | ― | 3.40% | 6.97% | |
58 Neutral | ₹197.74B | 7.80 | ― | ― | 34.64% | 316.68% | |
54 Neutral | ₹269.72B | 21.42 | ― | 0.80% | -5.36% | -17.52% |
* Financial Sector Average
IN:IIFL
IIFL Finance Limited
464.95
55.03
13.43%
IN:CGCL
Capri Global Capital Limited
186.00
24.37
15.08%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,292.65
189.75
17.20%
IN:FIVESTAR
Five-Star Business Finance Limited
443.95
-227.87
-33.92%
IN:IFCI
IFCI Limited
61.31
10.86
21.53%
IN:MANAPPURAM
Manappuram Finance Limited
318.65
92.16
40.69%
IIFL Finance Limited Corporate Events
IIFL Fintech to Acquire Xtracap to Deepen Push into Supply Chain Finance
Apr 30, 2026
IIFL Finance’s wholly owned subsidiary, IIFL Fintech Private Limited, has approved the acquisition of Xtracap Fintech India Private Limited, a supply chain financing specialist with FY25 turnover of ₹7.03 crore that is currently in a s...
IIFL Finance Reshuffles Leadership at Gold Loans Business
Apr 2, 2026
IIFL Finance has announced changes in its senior management, effective April 2, 2026, with the resignation of Manish Mayank from the role of Business Head – Gold Loans as he leaves to pursue other career opportunities. The company has simult...
IIFL Finance Shareholders Clear Key Related-Party Transaction Change at EGM
Mar 20, 2026
IIFL Finance Limited held an Extra-Ordinary General Meeting on March 20, 2026, conducted via video conferencing and other audio-visual means, with 62 shareholders attending virtually. The meeting complied with Indian listing and corporate governan...
IIFL Finance Denies Undisclosed Developments Behind Share Price Move
Mar 4, 2026
IIFL Finance Limited has clarified that there is no undisclosed information or specific corporate event behind the recent movement in its share price, following media reports that it is in exploratory talks with Piramal Finance for a microfinance ...
IIFL Finance Calls March 20 EGM to Hike Related-Party Transaction Limits
Feb 25, 2026
IIFL Finance Limited has called an Extraordinary General Meeting on March 20, 2026, to be held via video conferencing in line with regulatory provisions. The record date for e-voting has been set as March 13, 2026, to determine eligible shareholde...
IIFL Finance to Raise Up to ₹1,000 Crore via Listed NCDs on Private Placement
Feb 24, 2026
IIFL Finance has approved the issuance of senior, secured, listed, rated, redeemable non-convertible debentures on a private placement basis, with an issue size of up to ₹1,000 crore, including a ₹500 crore base size and an equal green...
IIFL Finance Shareholders Clear Higher Borrowing and Security Limits via Postal Ballot
Feb 5, 2026
IIFL Finance Limited has announced that its shareholders have approved, via postal ballot through remote e-voting, two special resolutions to enhance the company’s borrowing limits and the limits on creating charges or mortgages on its asset...
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.