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IIFL Finance
Large Cap•14,829 Employees•IPO 2005
Current Price
₹480.70
-0.15 (-0.03%)Updated
Valuation vs Sector
P/E Ratio
16.35vs 19.00
P/B Ratio
1.61vs 2.14
Div Yield
0.82%vs 0.57%
Today's Range
469
₹480.70
482.85
52 Week Range
52W Low₹306.00
52W High₹675.00
₹480.70
Downside57.09%
Upside40.42%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹22,112.71 Cr
Market Cap
Total market value of companyP/E Ratio
17.25
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.48
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹29.87
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
4.60%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
8.81%
ROCE
Return on Capital Employed. >15% is goodNet Margin
11.29%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-7.99%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
16.59%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
12.70%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-19.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
4.22
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹292.38
Book Value
Net asset value per shareDividend Yield
0.82%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
24.90%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •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.
Weaknesses
5 points- •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.
Opportunities
3 points- •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.
- •Embracing digital transformation and FinTech innovations presents a significant opportunity for IIFL Finance to enhance customer reach, streamline operations, and introduce new, competitive financial products.
Threats
4 points- •The financial services sector is highly competitive, with numerous large players like Bajaj Finance and Muthoot Finance. This intense competition could pressure IIFL's margins and market share, impacting profitability.
- •Adverse changes in regulatory policies or interest rate fluctuations could significantly impact IIFL Finance's operational costs and lending margins, potentially eroding profitability and increasing compliance burdens.
Segment-wise Financial Analysis
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Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹513.73 | +₹33.03 | +6.87% |
| R3 | ₹499.88 | +₹19.18 | +3.99% |
| R2 | ₹491.37 | +₹10.67 | +2.22% |
| R1 | ₹486.03 | +₹5.33 | +1.11% |
| PIVOT | ₹477.52 | -3.18 | -0.66% |
| CURRENT | ₹480.70 | - | - |
| S1 | ₹444.48 | -₹36.22 | -7.53% |
| S2 | ₹458.33 | -₹22.37 | -4.65% |
| S3 | ₹463.67 | -₹17.03 | -3.54% |
| S4 | ₹472.18 | -₹8.52 | -1.77% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-20.4% vs avg
9.96L
(12 Mar 2026)Delivery %+9.3% vs avg
58.1%
(12 Mar 2026)Avg Volume (20D)20-day average
1.25M
(12 Feb - 12 Mar)Avg Delivery %Trend ↑
48.9%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %
Peer Comparison
| Company Name |
|---|
 Aadhar Housing Finance Ltd |
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Bajaj Housing Finance Ltd |
 Can Fin Homes Ltd |
 GIC Housing Finance Ltd |
 Home First Finance Company India Ltd |
 India Shelter Finance Corporation Ltd |
 LIC Housing Finance Ltd |
 PNB Housing Finance Ltd |
 Sammaan Capital Ltd |
About
IIFL Finance Ltd
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.
COMPANY FACTS - IIFL
Registered Address
802, 8th Floor, Hubtown Solaris,, N. S. Phadke Marg, Vijay Nagar,, Andheri East
Mumbai
MAHARASHTRA
IN
Tel: 917039050000
Website:https://www.iifl.com/
Investor Relations:http://www.iifl.com/finance/overview
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 14,829
IPO Date: 12/05/2005
MANAGEMENT - IIFL
Mr. Arun Purwar
Non-Independent Non-Executive Chairman of the Board
Mr. Kapish Jain
Chief Financial Officer
Ms. Mauli Agarwal
Compliance Officer, Company Secretary
Mr. Nirmal Jain
Managing Director, Executive Director
Mr. Rajamani Venkataraman
Joint Managing Director, Executive Director
Mr. Tritala Ramakrishnan
Non-Executive Nominee Director
Mr. Gopalakrishnan Soundarajan
Non-Executive Non-Independent Director
Mr. Nihar Jambusaria
Non-Executive Independent Director
Mr. Bijou Kurien
Non-Executive Independent Director
Ms. Geeta Mathur
Non-Executive Independent Director
Mr. Ramakrishnan Subramanian
Non-Executive Independent Director
Ms. Veenashree Samani
IR Contact Officer
Investor Questions Answered
IIFL Finance Ltd (IIFL) Stock FAQs
Get answers to the most common questions about IIFL Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of IIFL Finance Ltd (IIFL) is ₹480.7. Today, the stock has declined by ₹0.15 (0.03%), trading in a range of ₹469 to ₹482.85. The stock opened at ₹478.9 with a trading volume of 9,96,470 shares.
IIFL Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹22,112.71 crores, P/E ratio of 17.25, ROE of 4.60%, and ROCE of 8.81%. The dividend yield stands at 0.82%. 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.
The 52-week high price of IIFL Finance Ltd (IIFL) is ₹675, while the 52-week low is ₹306. Currently trading at ₹480.7, the stock is 47.3% away from its 52-week low and 28.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy IIFL Finance Ltd stock at ₹480.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 17.25 and P/B ratio of N/A. Today's performance shows a loss of 0.03%. 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.
IIFL Finance Ltd offers a dividend yield of 0.82%, which means for every ₹100 invested at the current price of ₹480.7, you can expect to receive approximately ₹0.82 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.
IIFL Finance Ltd's key financial metrics include: P/E Ratio: 17.25, P/B Ratio: N/A, ROE: 4.60%, ROCE: 8.81%, Dividend Yield: 0.82%, EPS: ₹29.87, Book Value: ₹292.38, Debt-to-Equity: 4.22, and Current Ratio: N/A. The company's market cap stands at ₹22,112.71 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
IIFL Finance Ltd stock opened at ₹478.9 and is currently trading at ₹480.7, showing a decline of ₹0.15 (0.03%). The intraday high is ₹482.85 and low is ₹469. The trading volume stands at 9,96,470 shares, indicating moderate market participation today.
IIFL Finance Ltd has a Price-to-Earnings (P/E) ratio of 17.25, which means investors are willing to pay ₹17.25 for every ₹1 of earnings. With an EPS of ₹29.87, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
IIFL Finance Ltd has a market capitalization of ₹22,112.71 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹480.7) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
IIFL Finance Ltd has a book value of ₹292.38 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹480.7, which is 64.4% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
IIFL Finance Ltd has a Return on Equity (ROE) of 4.60% and Return on Capital Employed (ROCE) of 8.81%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
IIFL Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
IIFL Finance Ltd has a debt-to-equity ratio of 4.22, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
IIFL Finance Ltd has an Earnings Per Share (EPS) of ₹29.87, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹480.7 and P/E ratio of 17.25, investors are paying 17.25 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
IIFL Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
IIFL Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze IIFL Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (17.25), ROE (4.60%), debt-to-equity (4.22), and growth rates. 2) Technical Analysis - Check 52-week range (₹306.00 - ₹675.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹480.70) with book value (₹292.38) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of IIFL Finance Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹480.7 is 23935x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in IIFL Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹306.00 - ₹675.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 4.22 indicates leverage. 4) Liquidity Risk - Based on trading volume of 9,96,470 shares. 5) Valuation Risk - P/E of 17.25 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
IIFL Finance Ltd operates in the industry with key metrics: P/E ratio of 17.25, ROE of 4.60%, market cap of ₹22,112.71 crores, and dividend yield of 0.82%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 4.22), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for IIFL Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹480.7, with a 52-week range of ₹306.00 to ₹675.00. Based on fundamentals like P/E (17.25), ROE (4.60%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling IIFL Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹480.70. 2) Fundamental Deterioration - Declining ROE (currently 4.60%), increasing debt (D/E: 4.22), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for IIFL Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.82%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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