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IIFL Finance Limited

IIFL Finance Limited

NSE: IIFL
Credit ServicesFinancial ServicesLARGE CAPMCap ₹26.27k Cr
₹615.40₹17.30 (+2.89%)

Market Closed • NSE

Market cap₹26.27k Cr
Enterprise value₹102.93k Cr
P/E TTM12.52
Forward P/E7.96
P/B1.88
EPS TTM₹49.15
Forward EPS₹77.28
ROE0.17%
ROA0.03%
D/E4.90
Dividend yield0.01%
52W high₹705.00
52W low₹409.10
Price chart(1Y)
1Y Return:+18.60% (+₹96.50)
H: ₹705L: ₹486.5
1W+1.44%
1M+3.16%
3M+7.63%
6M+46.51%
1Y+23.44%
Today at a glance

Day range

₹590.50₹618.50

52 week range

₹409.10₹705.00
Volume6.39M3.44x 20D avg
Free float50.00%+243.80% volume

IIFL Finance Limited closed at INR615.40 (+2.89%) on volume 3.44x its 20-day average, trading 12.71% below its 52-week high.

Technical analysis
RSI (14)53.3Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹22.23High
SMA 20₹604.04BULLISH
SMA 50₹620.30BEARISH
SMA 100₹579.41BULLISH
SMA 200₹540.85BULLISH
CPR bottom₹594.77
Pivot₹595.88
CPR top₹596.99
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +15% QoQ

2026-01-29

DIVIDEND Announced

Interim Dividend - Rs 4 Per Share

2024-09-23

AGM Announced

Annual General Meeting

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹69.64k Cr₹26.27k Cr265.12%≤ 33%FAIL
Non-halal income ratio₹11.75k Cr₹7.63k Cr154.10%≤ 5%FAIL
Illiquid assets ratio₹84.77k Cr₹89.06k Cr95.18%≥ 20%PASS
Receivables ratio–₹89.06k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E12.5216.50
Forward P/E7.96—
P/B1.881.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield8.006.10
Growth & profitability
RevenuePAT
FY24PAT margin 26.70%
FY25PAT margin 6.20%
FY26PAT margin 21.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+7.90%
Revenue CAGR 5Y+4.00%
PAT CAGR 3Y+63.70%
PAT CAGR 5Y-1.20%
Operating margin52.15%
Net margin26.11%
Financial health & cash flow
Net debt₹65.35k CrModerate
Interest coverage0.00xEBIT / interest
CFO / PAT-9.20x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-1397599.0 Lakh
Capital expenditure–
Free cash flow₹-1405713.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation75/100
Profitability50/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 12.5x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 4.90x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
29 Jan 2026Dividend₹4.00 / share—29 Jan 2026
—Annual General MeetingAnnual General Meeting—23 Sept 2024
23 Apr 2024Rights issueRights 1:9 @ Premium Rs 298/-—23 Apr 2024
25 Jan 2024Dividend₹4.00 / share—25 Jan 2024
—Annual General MeetingAnnual General Meeting—24 Jul 2023
07 Feb 2023Dividend₹4.00 / share—07 Feb 2023
—Annual General MeetingAnnual General Meeting—30 Jun 2022
04 Feb 2022Dividend₹3.50 / share—03 Feb 2022
—Annual General MeetingAnnual General Meeting—22 Jun 2021
06 Feb 2021Dividend₹3.00 / share—04 Feb 2021
—Annual General MeetingAnnual General Meeting—22 Jun 2020
20 Mar 2020Dividend₹2.25 / share—19 Mar 2020
—Annual General MeetingAnnual General Meeting—20 Sept 2019
31 May 2019Scheme Of ArrangementScheme Of Arrangement—30 May 2019
07 Feb 2019Dividend₹5.00 / share—06 Feb 2019
—Annual General MeetingAnnual General Meeting—23 Jul 2018
08 Feb 2018Dividend₹5.00 / share—07 Feb 2018
18 Oct 2017Scheme Of ArrangementScheme Of Arrangement—17 Oct 2017
—Annual General MeetingAnnual General Meeting—13 Jul 2017
03 Feb 2017Dividend₹4.50 / share—02 Feb 2017
—Annual General MeetingAnnual General Meeting—21 Jul 2016
08 Feb 2016Dividend₹3.00 / share—05 Feb 2016
—Annual General MeetingAnnual General Meeting—21 Jul 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)48.47%-12.96% latest vs average
Highest delivery56.48%on 06 Oct
Average volume (20D)1.86MTrading-session average
Conviction trendWeakening-12.96% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About IIFL Finance Limited
IIFL Finance Limited

IIFL Finance Limited, a non-banking financial company, provides financial services in India and internationally. The company offers home and gold loans; business loans, including business loans for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprises; loans against securities; and digital finance loans, as well as supply chain finance. It also provides construction and real estate financing; capital market financing; and lending, investment, and wealth management services. 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 headquartered in Mumbai, India.

IndiaFinancial Services

Questions investors ask
Is IIFL Finance Limited Shariah compliant?

IIFL Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (265.12%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (154.1%) exceeds 5% threshold.

What is IIFL Finance Limited's current valuation relative to peers?

IIFL Finance Limited trades at a P/E of 12.5x compared to the sector median of 16.5x, and a Price-to-Book of 1.9x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 4.90x. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 4% while net profit growth averaged -1.2%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.