Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Financial Services | Small Cap
Health Score : 8.98IIFL Finance Ltd demonstrates an exceptional financial profile, marked by outstanding growth and profitability. The company operates with a remarkably strong foundation, showing no reliance on debt, which translates to a perfect solvency position and minimal financial risk. Its growth has been explosive across revenue, profits, and assets. Profitability is also a key strength, with the company effectively generating high returns. Operationally, it is highly efficient in collecting payments. However, there are significant areas of concern. The company's core operations have been consistently using more cash than they generate, a potential risk to its long-term stability. Furthermore, its ability to cover interest payments from earnings is weak. The future outlook points to continued, albeit volatile, growth, with forecasts indicating a sharp downturn in 2025 followed by a strong recovery.
Health Score : 8.98IIFL Finance Ltd demonstrates an exceptional financial profile, marked by outstanding growth and profitability. The company operates with a remarkably strong foundation, showing no reliance on debt, which translates to a perfect solvency position and minimal financial risk. Its growth has been explosive across revenue, profits, and assets. Profitability is also a key strength, with the company effectively generating high returns. Operationally, it is highly efficient in collecting payments. However, there are significant areas of concern. The company's core operations have been consistently using more cash than they generate, a potential risk to its long-term stability. Furthermore, its ability to cover interest payments from earnings is weak. The future outlook points to continued, albeit volatile, growth, with forecasts indicating a sharp downturn in 2025 followed by a strong recovery.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
23.57
Industry Median
24.67
Small Cap Median
22.70
P/E RATIO
16.37
P/B RATIO
1.95
Industry Median
1.69
Small Cap Median
1.67
P/S RATIO
2.03
Industry Median
6.99
Small Cap Median
6.75
Others
PEG RATIO
0.97
EV/EBITDA RATIO
10.85
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹639.15 as on Sep 1, 2026.
Growth Score : 10.00The company's growth performance is nothing short of exceptional. It has demonstrated very strong and consistent expansion across all key areas, including revenue, operating profit, and net income. This indicates a powerful market presence and a successful strategy for capturing new business. However, financial projections suggest a significant negative turn in growth for the 2025 period, followed by a dramatic rebound in 2026. This points to potential future volatility despite the stellar historical performance.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 17.14 | 20.78 | 24.02 | -2.27 | 30.46 |
| Operating Profit Growth Rate | 49.08 | 39.26 | 20.81 | -45.9 | 75.52 |
| Earnings Per Share (EPS) Growth | 55.92 | 26.03 | 17.22 | -78.56 | 337.78 |
| Asset Growth Rate | 12.89 | 15.45 | 17.74 | 8.4 | 31.66 |
| Net Income Growth Rate | 56.11 | 35.35 | 22.76 | -70.72 | 214.36 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | IIFL Finance Ltd | 8.98 | 16.37 | Undervalued | 2596.00 | 27.12 | 1817.00 |
| 2 | Prudent Corporate Advisory Services Ltd | 8.93 | 62.51 | Neutral | 310.00 | 52.31 | 222.00 |
| 3 | KFin Technologies Ltd | 8.46 | 47.06 | Neutral | 529.00 | 20.03 | 344.00 |
| 4 | Central Depository Services (India) Ltd | 8.37 | 63.75 | Highly Overvalued | 582.00 | 22.40 | 455.00 |
| 5 | Edelweiss Financial Services Ltd | 6.47 | 22.31 | Neutral | 3090.00 | 4.73 | 680.00 |
| 6 | CRISIL Ltd | 3.63 | 46.11 | Neutral | 1160.00 | 81.85 | 839.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤29th Apr 26
Audited Consolidated Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Quarterly Report⬤22nd Jan 26
Quarterly Financial Results Q3 FY 2025-26
NEUTRAL SENTIMENT
Concall Report⬤31st Oct 25
Q2 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
IIFL Finance Ltd is a prominent Indian Non-Banking Financial Company (NBFC) offering a comprehensive suite of financial products. Its core business revolves around retail financing, including gold loans, home loans, business loans, and microfinance. It caters to a diverse customer base across India, establishing itself as a significant player in the retail lending segment.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. IIFL Finance Ltd's P/E ratio (TTM) is 23.57, compared to the industry median of 24.67 and large cap median of 22.70.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. IIFL Finance Ltd's P/B ratio is 1.95, compared to the industry median of 1.69 and large cap median of 1.67.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. IIFL Finance Ltd's P/S ratio is 2.03, compared to the industry median of 6.99 and large cap median of 6.75.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. IIFL Finance Ltd's PEG ratio is 0.97.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. IIFL Finance Ltd's EV/EBITDA ratio is 10.85.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. IIFL Finance Ltd's ROE is 13.05%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. IIFL Finance Ltd's ROA is 2.91%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. IIFL Finance Ltd's ROCE is 58.38%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. IIFL Finance Ltd's operating margin is 19.44%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. IIFL Finance Ltd's net margin is 13.61%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. IIFL Finance Ltd's current ratio is 14.97.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. IIFL Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. IIFL Finance Ltd's interest coverage ratio is 1.42.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. IIFL Finance Ltd's DPS is ₹3.90.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. IIFL Finance Ltd's EPS is 337.78.
(Source line: "Ratios as of 11 Nov 2026, based on last traded price of ₹639.15. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2004 (as IIFL Holdings Limited)
Headquarters: Mumbai, Maharashtra
Core Offerings: Gold Loans, Home Loans, Business Loans, Microfinance, Capital Market Services
Stock Listing: NSE (IIFL), BSE (532636)
Promoter: Mr. Nirmal Jain / IIFL Group
1995: Founded as India Infoline Ltd. 1999: Launched 5paisa.com, India's first online trading portal. 2004: IIFL Holdings Limited (current entity's predecessor) incorporated. 2008: Entered wealth management business. 2009: Entered gold loans business. 2011: Expanded into affordable home loans. 2017: Demerged 5paisa Capital Ltd. (capital markets). 2019: Corporate restructuring led to demerger of IIFL Wealth and IIFL Securities. IIFL Holdings Limited was renamed IIFL Finance Limited, focusing on the lending business. Present: Operates as a diversified NBFC with a strong retail loan portfolio.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Gold Loans | Approx. 32% (based on AUM) | Operating Profit |
| Home Loans | Approx. 31% (based on AUM) | Operating Profit |
| Business Loans (MSME & Others) | Approx. 21% (based on AUM) | Operating Profit |
| Microfinance | Approx. 11% (based on AUM) | Operating Profit |
Gold Loans: Provides quick and easy loans against gold collateral, primarily targeting small business owners and individuals for short-term liquidity needs. It has a significant presence in this segment.
Home Loans: Offers affordable housing finance solutions for purchasing, constructing, or renovating homes, catering to salaried and self-employed individuals, including those in semi-urban and rural areas.
Business Loans: Extends loans to Micro, Small, and Medium Enterprises (MSMEs) for working capital, expansion, and other business requirements, supporting India's entrepreneurial ecosystem.
Microfinance: Through its subsidiary IIFL Samasta Finance Ltd., it provides small ticket loans to economically weaker sections, especially women, to promote income-generating activities and financial inclusion.
Mr. Nirmal Jain (Founder and Chairman): Founded India Infoline Ltd. in 1995, building it into a diversified financial services group. Mr. Venkatraman Rajamani (MD & CEO): Has been with the IIFL Group since 1999, playing a crucial role in business development and operations.
IIFL Home Finance Ltd. (Affordable home loans)
IIFL Samasta Finance Ltd. (Microfinance)
Major corporate actions include the demerger of IIFL Wealth and IIFL Securities in 2019. Recently, in March 2024, the Reserve Bank of India (RBI) directed IIFL Finance to cease sanctioning or disbursing gold loans due to supervisory concerns, a significant regulatory event.
The IIFL Finance Ltd share price today is ₹639.15 on NSE (IIFL), as of 11 Nov 2026.
As of 11 Nov 2026, IIFL Finance Ltd share price is ₹639.15, with previous close ₹639.15. Today's range is ₹639.15 to ₹639.15. The 52-week range is ₹N/A to ₹N/A.
As of today, IIFL Finance Ltd's market cap is ₹27,163.88 crore (Large Cap).
IIFL Finance Ltd's current P/E ratio is 23.57, compared to the BANKING AND FINANCE sector average of 26.80.
IIFL Finance Ltd's current P/B ratio is 1.95.
IIFL Finance Ltd's current dividend yield is 0.61%. Last dividend of ₹2.00 per share was declared on 23-Feb-2024.
IIFL Finance Ltd's EPS (TTM) is ₹337.78.
IIFL Finance Ltd is a prominent Indian Non-Banking Financial Company (NBFC) offering a comprehensive suite of financial products. Its core business revolves around retail financing, including gold loans, home loans, business loans, and microfinance. It caters to a diverse customer base across India, establishing itself as a significant player in the retail lending segment.
IIFL Finance Ltd is promoted by Mr. Nirmal Jain / IIFL Group, holding 24.85% as of 11 Nov 2026.
IIFL Finance Ltd is listed on NSE (IIFL) and BSE (532636). Its next quarterly results are expected on May 2024 (for Q4 FY24).
Capital Expenditures (CapEx)
Return on Assets (ROA)