IIFL Finance
IIFL Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for IIFL Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
IIFL Finance Ltd trades at a P/E of 13.65× and P/B of 1.62×, against the Financial Services sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
IIFL Finance Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for IIFL Finance Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
IIFL Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for IIFL Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
IIFL Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹22,710.46 Cr and reported EPS of ₹38.76.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 0 | 4,988 | 4,739 | 5,840 | 6,836 | 8,259 | 10,249 | 10,211 | 13,351 |
| Other Income | 0 | 107 | 82 | 150 | 170 | 188 | 241 | 26 | 23 |
| Total Income | 0 | 5,096 | 4,821 | 5,989 | 7,006 | 8,447 | 10,490 | 10,237 | 13,374 |
| Gross Profit | 0 | 4,988 | 4,739 | 5,840 | 6,836 | 8,259 | 10,249 | 10,211 | 13,351 |
| +Operating Expenses | 0 | 1,453 | 1,168 | 1,085 | 1,470 | 2,094 | 2,763 | 3,087 | 3,299 |
| EBITDA | 0 | 3,536 | 3,571 | 4,755 | 5,366 | 6,165 | 7,487 | 7,123 | 10,052 |
| +Non-Operating Expenses | 0 | 2,722 | 2,502 | 2,731 | 3,113 | 3,374 | 4,064 | 3,772 | 5,928 |
| Profit Before Tax (PBT) | 0 | 1,130 | 725 | 1,005 | 1,536 | 2,113 | 2,572 | 707 | 2,409 |
| +Tax Expense | 0 | 325 | 222 | 244 | 348 | 505 | 598 | 129 | 592 |
| Profit After Tax (PAT) | 0 | 804 | 503 | 761 | 1,188 | 1,608 | 1,974 | 578 | 1,817 |
| Earnings Per Share (EPS) | — | 19.47 | 11.94 | 18.06 | 28.16 | 35.49 | 41.60 | 8.92 | 39.05 |
| Diluted Shares Outstanding (Nos.) | 35 | 35 | 42 | 42 | 42 | 42 | 42 | 42 | 43 |
| +Banking Income | 0 | 5,096 | 4,821 | 5,989 | 7,006 | 8,447 | 10,490 | 10,237 | 13,374 |
| +Additional Disclosures | 0 | 4,174 | 4,091 | 4,961 | 5,480 | 6,474 | 8,112 | 9,130 | 11,137 |
| Sales Growth % | — | 1,38,05,792.61 | -5.00 | 23.23 | 17.07 | 20.81 | 24.10 | -0.38 | 30.75 |
| YoY Sales Growth % | — | — | -5.00 | 23.23 | 17.07 | 20.81 | 24.10 | -0.38 | 30.75 |
| Employee Cost % | 18 | 14 | 16 | 12 | 14 | 16 | 16 | 18 | 16 |
| Other Cost % | 13 | 15 | 9 | 6 | 8 | 9 | 11 | 12 | 9 |
| OPM % | 70 | 71 | 75 | 81 | 78 | 75 | 73 | 70 | 75 |
| Tax % | 33 | 29 | 31 | 24 | 23 | 24 | 23 | 18 | 25 |
| Profit Growth % | — | — | -37.40 | 51.11 | 56.18 | 35.29 | 22.81 | -70.71 | 214.22 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 0 | 3,504 | 3,466 | 4,650 | 5,245 | 6,012 | 7,306 | 6,935 | 9,841 |
IIFL Finance segment analysis: revenue and profit mix.
Disclosed business segments at IIFL Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
IIFL Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
IIFL Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy IIFL Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
IIFL Finance Ltd's investment case rests on 7 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
IIFL Finance boasts a strong operating profit margin (OPM) of 55%, showcasing efficient cost management and high profitability from its core operations. This indicates a healthy business model capable of generating substantial profits.
IIFL Finance holds a substantial market capitalization of ₹22220 crore, reflecting significant investor confidence and its prominent scale within the competitive financial services sector. This suggests a strong market presence.
IIFL Finance's substantial quarterly sales of ₹2953 crore demonstrate robust revenue generation, indicating a large customer base and strong market demand for its financial products and services, a key indicator of business health.
Foreign Institutional Investors (FIIs) have shown increasing confidence, with their holding rising from 23.05% in June 2022 to 26.77% by September 2025, signaling positive sentiment towards the company's future prospects.
Operating in the Non-Banking Financial Company (NBFC) sector, IIFL Finance can capitalize on the growing demand for credit and financial services in emerging markets, driving expansion and market share gains.
What can break it.
IIFL Finance carries a high debt-to-equity ratio of 4.15, suggesting a considerable reliance on debt financing. This high leverage increases financial risk and vulnerability to economic downturns.
The company's return on equity (ROE) of 4.90% is relatively low compared to industry benchmarks, indicating inefficient utilization of equity capital. This suggests a need for further analysis into its capital efficiency.
A significant decline in quarterly profit by 19.00% is a cause for concern, suggesting potential challenges in maintaining profitability. Further investigation into the reasons for this decline is crucial for investors.
Promoter holding stands at only 24.9%, which is relatively low and could raise concerns about potential future dilution of ownership and control. This could impact long-term investor confidence.
The company reported a negative net profit of -₹93 million in September 2024, indicating a period of unprofitability. This raises serious questions about recent operational performance and financial stability.
What would change my mind.
Trim if P/E re-rates above 18 (~1.0× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 446.74. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
IIFL Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — IIFL Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
IIFL Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for IIFL Finance Ltd — derived from the live tape, not yesterday's close.
IIFL Finance Ltd last traded at ₹532.6 with an intraday range of ₹525–₹537.6 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹532.60| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 563.67 | +31.07 | +5.83% |
| R3 | 551.07 | +18.47 | +3.47% |
| R2 | 544.33 | +11.73 | +2.20% |
| R1 | 538.47 | +5.87 | +1.10% |
| PIVOT | 531.73 | -0.87 | -0.16% |
| CURRENT | 532.60 | — | — |
| S1 | 500.67 | -31.93 | -6.00% |
| S2 | 513.27 | -19.33 | -3.63% |
| S3 | 519.13 | -13.47 | -2.53% |
| S4 | 525.87 | -6.73 | -1.26% |
IIFL is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: 525 ~ 532.25
Trading Inside opening range
IIFL Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for IIFL Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in IIFL Finance Ltd stood at 48.0% of traded volume, against a 20-day average of 46.4%.
IIFL Finance announcements: results, concalls, ratings, M&A.
Filings IIFL Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
IIFL Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 211 documents below.
General Updates
IIFL Finance Limited has informed the Exchange about pricing of senior, secured, fixed rate notes
Allotment of Securities
IIFL Finance Limited has informed the Exchange regarding allotment of Perpetual Debt Instruments on Private Placement basis
General Updates
IIFL Finance Limited has informed the Exchange regarding filing of Offering Circular with India International Exchange (IFSC) Limited and NSE IFSC…
ESOP/ESOS/ESPS
IIFL Finance Limited has informed the Exchange regarding Allotment of 35412 Shares pursuant to Employee Stock Option Programme Scheme of the Company.
Updates
IIFL Finance Limited has informed the Exchange regarding additional information required under Industry Standards Note on Regulation 30 of the SEBI…
Investor decks & rating reports.
IIFL Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue IIFL Finance has declared, sequenced by announce and record date.
IIFL Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About IIFL Finance Ltd: business, sector, key facts.
What IIFL Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
IIFL Finance Ltd operates in the Financial Services, listed as NSE: IIFL, BSE: 532636.
IIFL Finance Limited is a non-banking financial company (NBFC) operating in India and internationally. Its core business revolves around providing a diverse range of financing solutions to individuals and businesses.
A significant portion of IIFL's business involves offering various loan products. These include home loans and gold loans for individuals, catering to different financial needs. For businesses, IIFL provides a comprehensive suite of financing options, encompassing loans specifically designed for manufacturers, women entrepreneurs, and e-commerce ventures. The company also extends its lending services to micro, small, and medium enterprises (MSMEs), a vital segment of the Indian economy, and offers loans secured against existing securities.
Beyond traditional lending, IIFL incorporates digital finance into its offerings, further broadening its reach and accessibility. This digital aspect allows them to serve a wider clientele and manage lending processes more efficiently. The company’s portfolio also includes supply chain financing, a specialized area focusing on optimizing financial flows within supply chains.
In addition to its core lending activities, IIFL extends its services into other financial areas. It provides construction and real estate financing, supporting the development of infrastructure and real estate projects. The company is also active in capital market financing, facilitating access to capital for various entities. Finally, IIFL offers a range of lending, investment, and wealth management services, providing comprehensive financial solutions to its diverse customer base.
In summary, IIFL Finance Limited is a multifaceted financial services company with a strong presence in India and abroad. Its business model centers around diverse lending solutions, tailored to individual and business needs, augmented by services in capital markets, real estate, and wealth management. This wide-ranging approach contributes to its significant role in the Indian financial landscape.
Questions investors ask about IIFL Finance Ltd (IIFL).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of IIFL Finance Ltd (IIFL)?
The current share price of IIFL Finance Ltd (IIFL) is ₹532.6. Today, the stock has gained by ₹3.40 (0.64%), trading in a range of ₹525 to ₹537.6. The stock opened at ₹526 with a trading volume of 18,39,003 shares.
02Is IIFL Finance Ltd stock a good investment for long-term?
IIFL Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹22,710.46 crores, P/E ratio of 13.65, ROE of 12.29%, and ROCE of 8.81%. The dividend yield stands at 0.76%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of IIFL Finance Ltd stock?
The 52-week high price of IIFL Finance Ltd (IIFL) is ₹675, while the 52-week low is ₹409.1. Currently trading at ₹532.6, the stock is 46.4% away from its 52-week low and 21.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy IIFL Finance Ltd stock at the current price?
Whether to buy IIFL Finance Ltd stock at ₹532.6 depends on multiple factors. The stock is currently trading with a P/E ratio of 13.65 and P/B ratio of 1.62. Today's performance shows a gain of 0.64%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of IIFL Finance Ltd and when is the next dividend?
IIFL Finance Ltd offers a dividend yield of 0.76%, which means for every ₹100 invested at the current price of ₹532.6, you can expect to receive approximately ₹0.76 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of IIFL Finance Ltd?
IIFL Finance Ltd's key financial metrics include: P/E Ratio: 13.65, P/B Ratio: 1.62, ROE: 12.29%, ROCE: 8.81%, Dividend Yield: 0.76%, EPS: ₹38.76, Book Value: ₹327.34, and Debt-to-Equity: 446.24. The company's market cap stands at ₹22,710.46 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is IIFL Finance Ltd stock performing today in the market?
IIFL Finance Ltd stock opened at ₹526 and is currently trading at ₹532.6, showing a gain of ₹3.40 (0.64%). The intraday high is ₹537.6 and low is ₹525. The trading volume stands at 18,39,003 shares, indicating strong market participation today.
08What is the P/E ratio of IIFL Finance Ltd and what does it indicate?
IIFL Finance Ltd has a Price-to-Earnings (P/E) ratio of 13.65, which means investors are willing to pay ₹13.65 for every ₹1 of earnings. With an EPS of ₹38.76, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about IIFL Finance Ltd (IIFL) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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