IIFL Finance Limited (IN:IIFL)
:IIFL
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IIFL Stock Chart & Stats
₹505.00
₹13.20(3.13%)
At close: 4:00 PM EST
₹505.00
₹13.20(3.13%)
Day’s Range― - ―
52-Week Range₹409.45 - ₹674.95
Previous CloseN/A
Volume3.15M
Average Volume (3M)65.98K
Market Cap
₹212.16B
Enterprise Value₹831.78B
Total Cash (Recent Filing)₹63.73B
Total Debt (Recent Filing)₹696.98B
Price to Earnings (P/E)13.6
Beta1.53
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)39.07
Shares Outstanding425,289,580
10 Day Avg. Volume103,076
30 Day Avg. Volume65,980
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.31
Price to Sales (P/S)1.37
P/FCF Ratio15.77
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹520.00Price Target Upside2.97% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)59.49
Revenue Forecast (FY)₹92.80B
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings ReboundRobust revenue expansion and a sharp earnings rebound in 2026 reflect recovery in core lending margins and operating leverage. Sustained top-line growth and restored profitability enhance internal capital generation, supporting reinvestment in branches and digital channels and improving resilience over the next several quarters.
Secured, Retail-focused Lending FranchiseIIFL’s focus on secured retail products (gold loans, loans against property) combined with a branch-led plus digital distribution creates durable origination reach and collateral cushions. That product mix reduces loss severity, supports stable retail cashflows, and fosters customer stickiness across economic cycles.
Improving Cash Generation In 2026Operating and free cash flow turning positive in 2026 indicates an inflection in cash conversion after multi-year weakness. If sustained, this improvement increases the company’s ability to deleverage, diversify funding, and fund growth internally, materially reducing refinancing reliance over the coming months.
Bears Say
Elevated LeverageLeverage remains meaningfully elevated with debt-to-equity historically around 4–6x and rising debt in 2026. High leverage constrains financial flexibility, amplifies sensitivity to rising funding costs, and leaves less room to absorb credit deterioration or pursue strategic investments without increasing refinancing or liquidity risk.
Inconsistent Cash Conversion HistoryOperating and free cash flow were negative in multiple prior years before the 2026 improvement, highlighting volatile cash conversion tied to loan book dynamics. This inconsistency increases dependence on external funding for growth and elevates liquidity and refinancing risk if market conditions tighten in the next several quarters.
Margin And Profitability VolatilityProfitability has been cyclical with a notable compression in 2025 versus 2023–24, underscoring sensitivity to credit costs and product mix. For a lender, such earnings volatility complicates forecasting, capital allocation, and reserving, making sustained margin stability uncertain over the medium term.
IIFL Finance Limited News
IIFL FAQ
What was IIFL Finance Limited’s price range in the past 12 months?
IIFL Finance Limited lowest stock price was ₹409.45 and its highest was ₹674.95 in the past 12 months.
What is IIFL Finance Limited’s market cap?
IIFL Finance Limited’s market cap is ₹212.16B.
When is IIFL Finance Limited’s upcoming earnings report date?
IIFL Finance Limited’s upcoming earnings report date is Jul 29, 2026 which is in 53 days.
How were IIFL Finance Limited’s earnings last quarter?
IIFL Finance Limited released its earnings results on Apr 29, 2026. The company reported ₹13.8 earnings per share for the quarter, beating the consensus estimate of N/A by ₹13.8.
Is IIFL Finance Limited overvalued?
According to Wall Street analysts IIFL Finance Limited’s price is currently Undervalued.
Does IIFL Finance Limited pay dividends?
IIFL Finance Limited pays a Annually dividend of ₹3.885 which represents an annual dividend yield of N/A. See more information on IIFL Finance Limited dividends here
What is IIFL Finance Limited’s EPS estimate?
IIFL Finance Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does IIFL Finance Limited have?
IIFL Finance Limited has 425,289,580 shares outstanding.
What happened to IIFL Finance Limited’s price movement after its last earnings report?
IIFL Finance Limited reported an EPS of ₹13.8 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.812%.
Which hedge fund is a major shareholder of IIFL Finance Limited?
Currently, no hedge funds are holding shares in IN:IIFL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
IIFL Finance Limited
IIFL Finance Limited provides various financial products and services in India and internationally. It offers home, personal, and gold loans; business loans, including loans against property, medium and small enterprise financing, micro finance, developer and construction finance, real estate finance, and capital market finance; and digital finance. The company also provides wealth and asset management services; and demat account, futures and options, and commodity trading services. It serves retail and corporate customers. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.
IIFL Stock 12 Month Forecast
Average Price Target
₹520.00
▲(2.97% Upside)
Technical Analysis
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