Loading…
IIFL Finance Ltd
NSE: IIFL BSE: 532636 INE530B01024 Financial Services NBFC 🔎 Screen
NIFTY 500 Smallcap 50 Smallcap 100 Smallcap 250
₹2 Cr
Market Cap
0.00
P/B
10.30%
NIM
12.6%
ROE
GNPA
22.0%
Fin. Margin
+9.8%
% from 52W High
90
α RS
⚖️ Compare 🔒 Generate Report 📚 Guides
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
Shareholding
About

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.

✓ Strengths 1
  • Company is expected to give good quarter
! Concerns 3
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.5% over last 3 years.
  • Dividend payout has been low at 6.30% of profits over last 3 years
Key Ratios Snapshot
📊 Sector Averages
📈 Growth Pattern
📊 Quick Scorecard
Loading…
🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
Strong beat driven by 160% YoY PAT growth on the back of gold loan surge and operating leverage, though asset quality showed minor QoQ deterioration. quarter Investor Presentation One-Pager? Jun 2026
Revenue
₹2,202.4 Cr
+34% YoY
PAT
₹713.1 Cr
+160% YoY, +14% QoQ
AUM
₹1,15,523 Cr
+38% YoY, +7% QoQ
What Went Right
  • Gold loan AUM surged 114% YoY to ₹58,406 Cr driving overall AUM growth.
  • Consolidated PAT jumped 160% YoY to ₹713.1 Cr; ROA improved to 3.1% (vs 1.6% YoY) and ROE to 19.5% (vs 7.6% YoY).
  • Pre-provision operating profit rose 50% YoY to ₹1,252.4 Cr, reflecting operating leverage.
  • Secured loan mix reached ~89% of AUM, up from ~77% a year ago, reducing risk profile.
  • Off-book AUM scaled to 35% of total, with cumulative DA+co-lending originations of ₹1.55 lakh Cr and zero co-lending losses.
What to Watch
  • Consolidated GNPA rose 9 bps QoQ to 1.6% and NNPA rose 9 bps to 0.8%; gold loan GNPA increased from 0.35% to 0.61% QoQ.
  • Standalone PAT fell 8% QoQ to ₹467 Cr (excluding dividend income in Q4) and standalone ROA declined to 3.3% from 3.7% QoQ due to higher provisions.
  • Cost of borrowing edged up 8 bps QoQ to 9.05%, and net gearing increased to 4.0x from 3.8x QoQ, indicating higher leverage.
  • Microfinance AUM growth remained sluggish at 4% QoQ despite improving asset quality; supply chain finance AUM declined 11% QoQ.
  • Operating expenses grew 18% YoY (₹950 Cr), outpacing AUM growth when annualized, though opex-to-AUM ratio improved to 3.4% (from 3.9% a year ago).
Management Guidance
  • FY27 targets: ~25% AUM growth, credit costs 1.5-1.7%, ROA 3.1-3.3%, ROE 16-20%, off-book mix 35-40%.
  • 3-year plan (FY28-29): ~20% AUM CAGR, credit costs 1.0-1.2%, ROA 3.6-3.8%, ROE 18-20%, ~40% off-book mix.
Investor Lens
Q1FY27 results confirm a strong turnaround with superior profitability (ROA 3.1%, ROE 19.5%) driven by gold loan momentum and cost discipline. However, asset quality trends warrant attention: GNPA increased for the second consecutive quarter, particularly in the gold loan book (GNPA 0.61% vs 0.35% in Q4). The 4.0x net gearing and rising cost of borrowings could pressure margins if rates stay elevated. The proposed equity raise (approval pending) may dilute near-term ROE but strengthens the balance sheet for the ~25% AUM growth target. Key watch items: gold loan growth sustainability, credit cost trajectory (guidance 1.5-1.7%), and execution of co-lending partnerships given the revised RBI CLM framework. The thesis remains intact if asset quality stabilizes and cost of funds is managed; otherwise, the favorable leverage on gold pricing could unwind.
From investor presentation · AI-generated analysis · Not investment advice
🔒
Premium Feature
Investor Presentation One-Pager — quarterly highlights, what went right/wrong & management guidance
Upgrade to Premium
Already a member? Log in
📈 STRONG Revenue up 33%, net profit surges 160% YoY; margins expand
Revenue
Revenue stood at ₹3,919 Cr, up 32.7% YoY and 6.1% QoQ, driven by strong financing activity.
Profitability
Net profit jumped 160.2% YoY to ₹713 Cr, with EPS rising to ₹15.87 from ₹5.49. PBT was ₹929 Cr at a 23% tax rate.
Margins
Financing margin improved to 25% from 13% YoY and 24% QoQ, reflecting better spread management.
Cash Flow
Skip — not applicable for banking/financial companies
Balance Sheet
Balance sheet details not provided; key metrics like capital adequacy and loan growth require monitoring.
Key Risks
Risks include potential NIM compression from rate changes, asset quality deterioration, and regulatory shifts in NBFC norms.
Outlook
Strong revenue and margin trends suggest continued momentum, though asset quality and NIM sustainability remain key watchpoints.
Generated by AI · Jun 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Documents.

Access concall transcripts, annual reports, credit ratings, and investor presentations.

Upgrade to PremiumCreate Free Account

🏦 Banking KPIs

NIM, GNPA, CASA, CAR, ROA, ROE and more — extracted from investor presentations
🔒
Premium Feature
Quarterly banking KPIs with historical trend — NIM, GNPA, CASA, CAR and more, AI-extracted from investor presentations
Upgrade to Premium
Already a member? Log in

💼 Management Guidance

Revenue, loan book, NIM and other management targets — with hit/miss tracking
🔒
Premium Feature
Management guidance targets with historical hit/miss tracking — unlocked with Premium
Upgrade to Premium
Already a member? Log in

🎯 Thesis Tracker

Guidance vs Delivery — management track record
🔒
Premium Feature
Management guidance vs actual delivery — track whether revenue & PAT targets were Beat, Met or Missed across every reporting year
Upgrade to Premium
Already a member? Log in
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including equities and mutual funds, involves inherent risks, including the potential loss of principal. All investments are subject to market fluctuations, regulatory changes, and other risks that may affect their value. Past performance is not indicative of future results. This report is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This report does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a SEBI-registered investment adviser or other qualified financial professional before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities or financial instruments discussed in this report. Any such positions, if material, are disclosed to the best of the author's knowledge and are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company, institution, or third party.

Information Sources:
The analysis and opinions expressed herein are based on publicly available information, including but not limited to company filings with the BSE/NSE, annual reports, management commentary, investor presentations, data from the Reserve Bank of India (RBI), SEBI, industry publications, and other reliable financial data sources. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This report may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. The author does not undertake any obligation to update such statements in the future.

Regulatory Compliance:
This report is intended to comply with the Securities and Exchange Board of India (Research Analysts) Regulations, 2014, as amended, and other applicable Indian laws and regulations.

Limitation of Liability:
The content of this report is provided "as is" without any warranties, express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose. The author and publisher expressly disclaim any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.