IIFL FINANCE LIMITED
₹528.00-₹34.45 (-6.1%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹27,083 Cr
- P/E
- 68.1x
- Revenue
- ₹4,080 Cr
- ROCE
- 2.4%
Price chart
Technical chartScreen technicals →-2.5% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -12.2%
- 3M
- -13.2%
- 6M
- +15.1%
- 1Y
- -2.5%
- 5Y
- +47.9%
52-week range
Day change -₹34.45 (-6.1%) from ₹562 to ₹528 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in IIFL, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 31.5%
Concerns1
- Valuation elevated — PE of 68.1x is 48% above peer average of 45.9x
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 42.4 Cr shares
- ISIN
- INE530B01024
- BSE code
- 532636
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹27,083 Cr
- P/E
- 68.1x
- P/B
- 3.9x
- Earnings yield
- 1.5%
- 52-week high
- ₹696.55
- 52-week low
- ₹419.30
Profitability
- ROE
- -6.3%
- ROCE
- 2.4%
- Dividend payout
- 26.0%
- Tax rate
- 20.0%
- Other income, % of PBT
- 2.5%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹4,080 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -11.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 11.8%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹18.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 500.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -170.1%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 31.5%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹3,303 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 88.1%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹336 Cr
Solvency and efficiency
- CFO / Net profit
- -5.65
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹4,080 Cr |
| Interest paid | ₹1,849 Cr |
| Expenses | ₹2,058 Cr |
| Financing profit | ₹173 Cr |
| Other income | -₹586 Cr |
| Depreciation | ₹137 Cr |
| Profit before tax | -₹551 Cr |
| Tax and other | -₹141 Cr |
| Net profit | -₹410 Cr |
Revenue and net profit
Revenue fell 11.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹3,415 Cr | ₹343 Cr |
| FY2022 | ₹4,083 Cr | ₹745 Cr |
| FY2023 | ₹4,086 Cr | ₹805 Cr |
| FY2024 | ₹4,631 Cr | ₹585 Cr |
| FY2025 | ₹4,080 Cr | -₹410 Cr |
Cash flows
FY2025: -₹5,310 Cr from operations, -₹5,985 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹795 Cr | -₹336 Cr |
| FY2022 | ₹3,556 Cr | ₹2,629 Cr |
| FY2023 | -₹1,756 Cr | -₹3,224 Cr |
| FY2024 | -₹3,303 Cr | -₹3,640 Cr |
| FY2025 | -₹5,310 Cr | -₹5,985 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹4,080 Cr-11.9%1Y
- Net profit
- -₹410 Cr-170.1%1Y
- Cash from operations
- -₹5,310 Cr
- Free cash flow
- -₹5,985 Cr
- Revenue CAGR, 5Y
- 11.8%
- EBITDA CAGR, 5Y
- -4.8%
- Net profit CAGR, 5Y
- 31.5%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹4,080 Cr | ₹173 Cr | — | -₹410 Cr | -₹5,310 Cr | -₹5,985 Cr | — | -11.9% | -170.1% |
Monthly returns
Month-by-month returns of IIFL across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹32,115 Cr |
| Equity capital | ₹85 Cr |
| Reserves | ₹6,422 Cr |
| Borrowings | ₹24,875 Cr |
| Other liabilities | ₹732 Cr |
| Assets | ₹32,115 Cr |
| Fixed assets | ₹1,343 Cr |
| Capital work in progress | ₹23 Cr |
| Investments | ₹5,458 Cr |
| Other assets | ₹25,290 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
IIFL trades at 68.1x earnings against a peer median of 26.9x (a 153% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| IIFL FINANCE LIMITEDIIFLthis companyP/E ↑ premium | ₹27,083 Cr | 68.1x | 3.9x | -6.3% | — |
| TVS Holdings LimitedTVSHLTD | ₹28,739 Cr | 80.1x | 17.5x | 21.8% | 53.4x |
| Lic Housing Finance Ltd.LICHSGFIN | ₹28,667 Cr | 5.2x | 0.7x | 15.0% | — |
| Star Health and Allied Insurance Company LimitedSTARHEALTH | ₹26,410 Cr | 49.5x | 3.5x | 9.2% | 22.3x |
| Anand Rathi Wealth LimitedANANDRATHI | ₹26,202 Cr | 72.4x | 31.5x | 42.0% | 81.7x |
| Manappuram Finance LimitedMANAPPURAM | ₹26,070 Cr | 15.9x | 2.1x | 15.1% | — |
| Nuvama Wealth Management LimitedNUVAMA | ₹25,811 Cr | 51.4x | 12.9x | 30.9% | 103.2x |
| PNB Housing Finance LimitedPNBHOUSING | ₹25,224 Cr | 11.5x | 1.4x | 11.6% | — |
| The New India Assurance Company LimitedNIACL | ₹24,649 Cr | 21.4x | 0.9x | 3.5% | 13.1x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
IIFL since 1 January, against earlier years.
Historical volatility
IIFL's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 13.0% |
| FY2022 | 26.0% |
| FY2023 | 28.0% |
| FY2024 | 18.0% |
| FY2025 | 4.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹4,080 Cr |
| Costs | |
| Interest | ₹1,849 Cr |
| Expenses | ₹2,058 Cr |
| Financing profitFinancing Profit | ₹173 Cr |
| Financing marginFinancing Margin % | 4.0% |
| Other income and charges | |
| Profit before tax | -₹551 Cr |
| Tax | |
| Net profitNet Profit | -₹410 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹32,115 Cr |
| Equity capitalEquity Capital | ₹85 Cr |
| Reserves | ₹6,422 Cr |
| BorrowingsBorrowing | ₹24,875 Cr |
| Other liabilitiesOther Liabilities | ₹732 Cr |
| AssetsTotal Assets | ₹32,115 Cr |
| Fixed assetsFixed Assets | ₹1,343 Cr |
| Capital work in progressCWIP | ₹23 Cr |
| Investments | ₹5,458 Cr |
| Other assetsOther Assets | ₹25,290 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹5,310 Cr |
| Investing cash flowCash from Investing Activity | -₹675 Cr |
| Financing cash flowCash from Financing Activity | ₹5,649 Cr |
| Change in cashNet Cash Flow | -₹336 Cr |
Learn while you research
Academy chapters picked for IIFL FINANCE LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 68.1, learn when high multiples are justified.6 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read