IIFL Finance Limited (IN:IIFL)
:IIFL
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IIFL Finance Limited
(IIFL)
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Rating:64Neutral
Price Target:
₹471.00
▼(-6.73% Downside)
Action:ReiteratedDate:01/23/26
The score is primarily driven by mixed financial performance: revenue strength is offset by margin compression, high leverage, and negative operating/free cash flow. Technicals are near-term weak but show oversold conditions with longer-term trend support. Valuation is moderate based on the provided P/E, with no dividend yield data to enhance the score.
Positive Factors
Secured retail lending model
IIFL’s focus on secured retail and SME lending (gold loans, loans against property) plus a branch-led plus digital distribution creates durable credit protection and diversified origination. Collateral-backed loans reduce long-run loss severity and support stable net interest income over economic cycles.
Negative Factors
High leverage
Significant leverage increases refinancing and interest-rate vulnerability for a lending franchise. In tighter funding markets or rising rates, higher debt amplifies funding costs and squeezes spreads, constraining margin stability and limiting capital flexibility over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured retail lending model
IIFL’s focus on secured retail and SME lending (gold loans, loans against property) plus a branch-led plus digital distribution creates durable credit protection and diversified origination. Collateral-backed loans reduce long-run loss severity and support stable net interest income over economic cycles.
Read all positive factors
IIFL Finance Limited (IIFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹182.19B
Dividend YieldN/A
Average Volume (3M)65.98K
Price to Earnings (P/E)14.0
Beta (1Y)1.55
Revenue Growth8.01%
EPS Growth-20.87%
CountryIN
Employees14,829
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)10.92
Shares Outstanding425,289,580
10 Day Avg. Volume103,076
30 Day Avg. Volume65,980
Financial Highlights & Ratios
PEG Ratio-0.46
Price to Book (P/B)1.14
Price to Sales (P/S)1.42
P/FCF Ratio-2.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)55.6
Revenue Forecast (FY)₹92.46B
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
67
Positive
Balance Sheet
72
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 122.53B | 99.25B | 101.58B | 79.13B | 70.13B | 59.53B |
| Gross Profit | 68.23B | 57.55B | 62.90B | 46.91B | 40.22B | 33.28B |
| EBITDA | 29.83B | 8.96B | 27.53B | 22.65B | 16.58B | 11.10B |
| Net Income | 12.82B | 3.79B | 17.64B | 15.00B | 11.88B | 7.60B |
Balance Sheet | ||||||
| Total Assets | 813.42B | 676.44B | 624.04B | 514.64B | 459.10B | 406.67B |
| Cash, Cash Equivalents and Short-Term Investments | 52.82B | 22.91B | 26.29B | 58.03B | 81.45B | 47.96B |
| Total Debt | 616.50B | 515.33B | 471.36B | 408.45B | 368.65B | 325.83B |
| Total Liabilities | 661.90B | 536.89B | 503.48B | 428.01B | 394.40B | 352.73B |
| Stockholders Equity | 133.73B | 124.12B | 106.37B | 89.92B | 64.64B | 53.88B |
Cash Flow | ||||||
| Free Cash Flow | -45.06B | -48.42B | -61.16B | -52.02B | 16.83B | -36.27B |
| Operating Cash Flow | -44.75B | -47.81B | -58.48B | -49.41B | 17.84B | -35.91B |
| Investing Cash Flow | -21.43B | -11.49B | -13.56B | -27.16B | -9.96B | 2.36B |
| Financing Cash Flow | 70.92B | 55.26B | 60.42B | 53.61B | 27.81B | 44.30B |
IIFL Finance Limited Technical Analysis
Negative
505.00
Price Trends
494.59
Negative
538.51
Negative
506.12
Negative
Market Momentum
-19.29
Positive
34.08
Neutral
21.52
Neutral
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 505 is above the 20-day moving average (MA) of 462.69, above the 50-day MA of 494.59, and below the 200-day MA of 506.12, indicating a bearish trend. The MACD of -19.29 indicates Positive momentum. The RSI at 34.08 is Neutral, neither overbought nor oversold. The STOCH value of 21.52 is Neutral, 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
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% | |
64 Neutral | ₹182.19B | 13.98 | ― | ― | 8.01% | -20.87% | |
59 Neutral | ₹110.11B | 14.49 | ― | 0.36% | 20.44% | 13.10% | |
56 Neutral | ₹196.11B | 20.20 | ― | 0.77% | 0.75% | -90.03% | |
55 Neutral | ₹142.10B | -220.42 | ― | ― | -12.62% | 175.71% | |
52 Neutral | ₹163.71B | 17.22 | ― | 0.11% | 43.41% | 109.52% | |
49 Neutral | ₹216.56B | 27.09 | ― | 0.80% | -3.68% | -80.12% |
* Financial Sector Average
IN:IIFL
IIFL Finance Limited
447.35
124.69
38.64%
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IN:IFCI
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IN:MANAPPURAM
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46.31
20.75%
IIFL Finance Limited Corporate Events
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...
IIFL Finance Clears Q3 FY26 Results, Declares Interim Dividend and Faces Tax Special Audit
Jan 22, 2026
IIFL Finance Limited’s board has approved the unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025, along with associated regulatory disclosures including security cover details and u...
IIFL Finance Declares Interim Dividend, Appoints New CISO and Faces Special Tax Audit
Jan 22, 2026
IIFL Finance’s board has approved the unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025, alongside related regulatory disclosures on security cover and the utilisation of proceeds ...
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.