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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 31.5%
Concerns1
- Valuation elevated β PE of 68.1x is 48% above Financial Services median of 45.9x
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ4.08 K Cr | β | βΉ-410.00 | β | β | β | -11.9% | -170.1% |
| Mar 2024 | βΉ4.63 K Cr | β | βΉ585.00 Cr | β | β | β | 13.3% | -27.3% |
| Mar 2023 | βΉ4.09 K Cr | β | βΉ805.00 Cr | β | β | β | 0.1% | 8.1% |
| Mar 2022 | βΉ4.08 K Cr | β | βΉ745.00 Cr | β | β | β | 19.6% | 117.2% |
| Mar 2021 | βΉ3.42 K Cr | β | βΉ343.00 Cr | β | β | β | 28.8% | 130.2% |
| Mar 2020 | βΉ2.65 K Cr | β | βΉ149.00 Cr | β | β | β | -10.2% | -67.0% |
| Mar 2019 | βΉ2.95 K Cr | β | βΉ451.00 Cr | β | β | β | 1035.8% | 109.8% |
| Mar 2018 | βΉ260.00 Cr | β | βΉ215.00 Cr | β | β | β | 81.8% | 36.9% |
| Mar 2017 | βΉ143.00 Cr | β | βΉ157.00 Cr | β | β | β | -32.2% | -8.7% |
| Mar 2016 | βΉ211.00 Cr | β | βΉ172.00 Cr | β | β | β | 91.8% | 75.5% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 5,321 |
| Finance Costs | 2,484 |
| Total Expenses | 2,180 |
| Financing Profit | 657 |
| Financing Margin % | 12% |
| Other Income | 17 |
| Depreciation & Amortisation | 141 |
| Profit Before Tax | 533 |
| Tax % | - |
| Net Profit / PAT | 398 |
| EPS (βΉ) | 9.37 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| IIFL FINANCE LIMITEDthis co. | βΉ27.08 K Cr | βΉ4.08 K Cr | 68.10 | 3.94 | 0.00 | -11.9% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |