IIFL Finance

Market Cap

13,515.40 Cr

EPS

46.29

PE Ratio

13.47

Dividend Yield

1.13 %

Industry

Financial Services

52 Week High

608.07

52 Week low

299.15

PB Ratio

1.12

Debt to Equity

4.44

Sector

NBFC

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Analyst Rating

- By Refinitiv from4 analysts

Analysts have suggested that investors can buy this stock

Buy75.00 %

75.00 %

Hold25.00 %

25.00 %

Sell0.0 %

0.0 %

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	8,399.45	5,19,923.00	32.57	54,982.50	32.75	14,451	18.39	67.91
Jio Financial Services	235.27	1,49,470.40	93.00	1,854.70	4,039.96	1,605	0.34	35.98
Cholamandalam Investment	1,395.25	1,17,310.00	28.83	19,419.90	48.18	3,411	24.79	57.86
Shriram Finance	580.85	1,09,216.90	13.47	36,413.00	19.35	7,391	73.39	52.11
Muthoot Finance	2,276.25	91,383.20	18.41	15,162.70	26.62	4,468	21.51	56.74
SBI Cards	849.80	80,845.40	39.53	17,483.50	22.39	2,408	-30.21	67.32
Sundaram Finance	4,723.00	52,474.40	31.65	7,285.50	31.41	1,422	-9.94	58.20
M&M Financial Services	280.50	34,656.60	14.01	15,970.30	24.45	1,943	47.29	49.31
AIIL	1,521.80	25,847.00	6.42	2,611.20	381.77	4,285	-10.31	31.64
Poonawalla Fincorp	290.35	22,587.20	131.89	3,147.30	56.71	1,652	-92.95	35.08

Growth Rate

Revenue Growth

24.19 %

Net Income Growth

22.80 %

Cash Flow Change

-11.91 %

ROE

3.87 %

ROCE

7.71 %

EBITDA Margin (Avg.)

-2.63 %

Quarterly Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024
Revenue	1,013	908	970	985	1,100	1,031	1,216	1,274	955	1,435	1,631	1,761	1,691	1,177	1,204	1,265	1,546	1,208	1,163	1,160	1,342	1,295	1,515	1,530	1,649	1,532	1,713	1,844	1,933	1,975	2,051	2,145	2,276	2,371	2,536	2,694	2,922	2,625	2,561	2,449
Expenses	386	299	341	340	394	329	356	404	213	440	612	662	572	257	302	387	500	312	335	299	697	521	569	545	619	452	568	646	707	731	709	741	779	822	877	948	1,244	1,109	1,691	1,307
EBITDA	627	609	629	645	706	702	860	870	743	995	1,019	1,100	1,119	921	902	879	1,046	896	828	861	645	774	947	985	1,030	1,080	1,146	1,198	1,226	1,244	1,342	1,404	1,497	1,548	1,659	1,746	1,679	1,516	869	1,142
Operating Profit %	62 %	67 %	65 %	65 %	64 %	68 %	71 %	67 %	75 %	69 %	62 %	61 %	66 %	78 %	74 %	69 %	64 %	74 %	71 %	74 %	47 %	60 %	61 %	63 %	61 %	70 %	66 %	64 %	62 %	62 %	65 %	65 %	64 %	64 %	65 %	64 %	56 %	58 %	34 %	47 %
Depreciation	16	16	17	17	16	14	13	13	4	15	16	17	19	6	7	7	12	24	28	27	27	24	27	26	29	28	30	31	33	34	37	39	42	42	43	45	51	46	46	46
Interest	385	405	396	429	451	454	549	528	440	605	681	731	701	616	661	680	629	615	582	599	603	693	641	611	681	701	744	773	773	776	776	810	861	888	932	985	1,074	1,034	963	996
Profit Before Tax	226	188	216	199	239	235	297	329	299	375	322	352	400	299	234	191	405	257	218	236	15	57	279	348	321	351	372	394	420	434	529	555	594	618	684	716	554	436	-140	101
Tax	84	69	68	62	89	76	90	107	65	122	88	98	120	105	72	57	99	82	132	53	-44	26	66	80	73	85	80	84	99	104	132	132	137	146	158	171	123	98	-47	19
Net Profit	142	119	149	138	150	158	207	222	235	253	234	254	280	194	162	134	306	175	87	183	59	32	213	269	248	266	292	310	321	330	397	423	458	473	526	545	431	338	-93	82
EPS in ₹	4.35	3.39	4.49	4.05	4.36	4.34	5.78	5.65	5.88	6.19	5.54	5.94	7.24	5.14	4.28	3.63	8.09	4.60	2.27	4.83	1.55	0.83	5.62	7.09	6.54	7.01	7.69	8.17	8.46	8.68	9.99	9.96	10.86	11.18	12.45	12.86	9.79	7.24	-3.72	0.96

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	19,422	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421
Fixed Assets	500	533	605	871	369	607	675	775	862	905
Current Assets	12,865	12,290	17,513	5,270	4,978	4,216	6,109	9,959	8,336	6,301
Capital Work in Progress	10	6	71	110	7	3	7	6	28	52
Investments	713	1,288	2,875	2,150	212	770	32	1,192	3,511	4,059
Other Assets	18,200	21,050	30,209	41,365	32,651	32,994	39,954	43,937	48,602	57,405
Total Liabilities	19,422	22,877	33,761	44,495	33,239	34,373	40,667	45,910	53,003	62,421
Current Liabilities	7,053	9,653	14,954	19,315	7,424	2,453	3,360	3,789	3,404	6,710
Non Current Liabilities	9,547	9,127	13,170	18,938	21,456	27,155	31,914	35,652	39,397	43,655
Total Equity	2,822	4,096	5,637	6,243	4,359	4,766	5,393	6,470	10,202	12,056
Reserve & Surplus	2,496	3,289	4,318	4,679	4,279	4,684	5,312	6,388	8,916	10,560
Share Capital	62	63	64	64	64	76	76	76	76	76

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	417	-200	2,163	-2,389	1,004	290	1,077	3,569	-2,580	-1,162
Investing Activities	-361	-671	-2,602	-374	562	-919	236	-996	-2,716	-1,356
Operating Activities	-2,126	-54	-4,329	-10,484	422	1,101	-3,587	1,784	-5,225	-5,848
Financing Activities	2,904	525	9,094	8,468	20	109	4,428	2,781	5,361	6,042

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	May 2024	Jun 2024	Sept 2024	Dec 2024
Promoter	24.96 %	24.95 %	24.93 %	24.93 %	24.91 %	24.90 %	24.90 %	24.88 %	24.85 %	24.84 %	24.81 %	24.79 %	24.78 %	24.92 %	24.91 %	24.91 %	24.90 %
FIIs	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	29.13 %	28.51 %	30.31 %	29.64 %	27.79 %
DIIs	0.02 %	0.02 %	0.02 %	0.06 %	0.29 %	1.29 %	2.01 %	3.90 %	4.05 %	5.54 %	5.59 %	6.49 %	8.61 %	9.14 %	7.43 %	6.24 %	4.49 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	7.66 %	7.44 %	9.56 %	11.61 %	12.06 %	12.44 %	11.50 %	10.17 %	10.08 %	10.10 %	9.93 %	11.20 %	12.84 %	12.69 %	12.50 %	13.70 %	16.36 %
Others	67.36 %	67.59 %	65.50 %	63.41 %	62.75 %	61.37 %	61.60 %	61.04 %	61.02 %	59.51 %	59.67 %	57.52 %	24.63 %	24.73 %	24.85 %	25.50 %	26.46 %
No of Share Holders	0	0	37,394	39,982	46,695	59,661	63,449	77,386	73,446	65,440	67,660	83,676	1,49,309	1,54,967	1,45,073	1,58,133	1,73,530