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IIFL Finance Limited
(IIFL)
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Rating:65Neutral
Price Target:
₹749.00
▲(34.45% Upside)
Action:Reiterated
Date:07/31/26
The score is primarily held back by fundamentals: high leverage and historically inconsistent/negative operating and free cash flow, despite a 2026 earnings rebound. Technicals are supportive with the stock trading above major moving averages, and valuation is reasonable on P/E but only lightly helped by the low dividend yield.
Positive Factors
Revenue Growth
The return to revenue growth indicates renewed lending activity and business scale. For a lender, sustained portfolio expansion can support recurring interest income and improve operating leverage if credit quality and funding costs remain controlled.
Negative Factors
High Leverage
Elevated leverage reduces financial flexibility and leaves less room for error if credit losses rise or funding costs increase. A highly debt-funded balance sheet can amplify earnings pressure during tighter liquidity or weaker credit conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The return to revenue growth indicates renewed lending activity and business scale. For a lender, sustained portfolio expansion can support recurring interest income and improve operating leverage if credit quality and funding costs remain controlled.
Read all positive factors
IIFL Finance Limited (IIFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹258.27B
Dividend Yield0.67%
Average Volume (3M)136.56K
Price to Earnings (P/E)12.1
Beta (1Y)1.38
Revenue Growth37.25%
EPS Growth548.30%
CountryIN
Employees16,341
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)49.45
Shares Outstanding425,381,040
10 Day Avg. Volume114,253
30 Day Avg. Volume136,559
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
₹610.00Price Target Upside9.50% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)63.84
Revenue Forecast (FY)₹91.20B
IIFL Finance Limited Business Overview & Revenue Model
Company Description
Established in Mumbai, India, in 1995, IIFL Finance Limited operates as a comprehensive financial services firm, extending its reach across India and internationally. The company delivers a wide array of financial products, encompassing individual...
How the Company Makes Money
IIFL Finance primarily makes money by originating loans and earning interest income over the life of those loans. Its core revenue model is the spread between (a) the yield it earns on customer loans and (b) its cost of funds (borrowings and other...
IIFL Finance Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 143.07B | 133.74B | 99.25B | 101.58B | 79.13B | 70.13B |
| Gross Profit | 95.36B | 72.35B | 57.55B | 62.90B | 46.91B | 40.22B |
| EBITDA | 41.07B | 26.19B | 8.96B | 27.53B | 22.65B | 16.58B |
| Net Income | 21.03B | 16.61B | 3.79B | 17.64B | 15.00B | 11.88B |
Balance Sheet | ||||||
| Total Assets | 928.53B | 890.59B | 676.44B | 624.04B | 514.64B | 459.10B |
| Cash, Cash Equivalents and Short-Term Investments | 48.91B | 63.73B | 22.91B | 26.29B | 58.03B | 81.45B |
| Total Debt | 739.94B | 696.98B | 515.33B | 471.36B | 408.45B | 368.65B |
| Total Liabilities | 764.85B | 734.40B | 536.89B | 503.48B | 428.01B | 394.40B |
| Stockholders Equity | 146.23B | 139.20B | 124.12B | 106.37B | 89.92B | 64.64B |
Cash Flow | ||||||
| Free Cash Flow | 11.60B | 11.60B | -48.42B | -61.16B | -52.02B | 16.83B |
| Operating Cash Flow | 12.41B | 12.41B | -47.81B | -58.48B | -49.41B | 17.84B |
| Investing Cash Flow | -178.23B | -178.23B | -11.49B | -13.56B | -27.16B | -9.96B |
| Financing Cash Flow | 178.43B | 178.43B | 55.26B | 60.42B | 53.61B | 27.81B |
IIFL Finance Limited Technical Analysis
Neutral
557.10
Price Trends
604.71
Negative
543.85
Positive
537.42
Positive
Market Momentum
1.64
Positive
41.73
Neutral
5.36
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IIFL, the sentiment is Neutral. The current price of 557.1 is below the 20-day moving average (MA) of 640.92, below the 50-day MA of 604.71, and above the 200-day MA of 537.42, indicating a neutral trend. The MACD of 1.64 indicates Positive momentum. The RSI at 41.73 is Neutral, neither overbought nor oversold. The STOCH value of 5.36 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:IIFL.
IIFL Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹2.44T | 18.15 | ― | 1.05% | 10.38% | 9.95% | |
66 Neutral | ₹6.51T | 31.67 | ― | 0.58% | 17.80% | 16.10% | |
65 Neutral | ₹258.27B | 12.15 | ― | 0.67% | 37.25% | 548.30% | |
63 Neutral | ₹1.58T | 27.21 | ― | 0.11% | 19.87% | 28.06% | |
63 Neutral | ₹780.10B | 24.32 | ― | 0.89% | 12.56% | 19.25% | |
61 Neutral | ₹395.55B | 46.82 | ― | 0.84% | 73.47% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:IIFL
IIFL Finance Limited
599.85
168.39
39.03%
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1,028.00
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64.25%
IIFL Finance Limited Corporate Events
IIFL Finance Discloses Tax Demands and Litigation Update for Home Finance Arm
Aug 24, 2026
IIFL Finance has disclosed that the Income Tax Department has raised a block assessment tax demand on its material subsidiary, IIFL Home Finance, following search and seizure proceedings covering the period from April 1, 2018 to February 3, 2025. ...
IIFL Finance Group Faces Tax Demands but Sees No Material Impact
Aug 24, 2026
IIFL Finance Limited, a diversified Indian non-banking financial company, operates across lending and home finance through entities including its material subsidiary, IIFL Home Finance Limited. The group is listed on BSE and NSE and functions with...
IIFL Finance Conducts 31st AGM via Video Conferencing with Full Regulatory Compliance
Jul 24, 2026
IIFL Finance Limited held its 31st Annual General Meeting on July 24, 2026, via video conferencing, with 67 shareholders attending and the statutory quorum maintained throughout. The meeting complied with the Companies Act and SEBI listing regulat...
IIFL Finance Secures Crisil ESG Ratings for Fiscal 2026
Jul 15, 2026
IIFL Finance Limited has voluntarily obtained environmental, social and governance ratings from Crisil ESG Ratings Analytics Limited based on its fiscal 2026 disclosures and publicly available data. Crisil has assigned the company an overall ESG ...
IIFL Finance Raises USD 300 Million via Secured Notes Under Global MTN Programme
Jul 10, 2026
IIFL Finance Limited has raised USD 300 million through the allotment of fixed rate, senior, secured notes due 2030 under its USD 1.5 billion Global Medium Term Note programme. The notes, carrying a 7.60% annual coupon payable semi-annually, have ...
IIFL Finance Sets Terms for $300 Million Senior Secured Notes Under GMTN Programme
Jul 2, 2026
IIFL Finance has approved the pricing, tenure and key terms for a new issuance of fixed-rate senior secured notes under its USD 1.5 billion Global Medium Term Note programme. The notes, rated in the B/Ba3 range by major agencies, will be listed on...
IIFL Finance Publishes FY 2025-26 Business Responsibility and Sustainability Report
Jun 30, 2026
IIFL Finance Limited has released its Business Responsibility and Sustainability Report for the financial year 2025-26, complying with Regulation 34(2)(f) of the SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. The report co...
IIFL Finance Sets July 24, 2026 AGM, Releases FY26 Integrated Annual Report
Jun 30, 2026
IIFL Finance Limited has scheduled its 31st Annual General Meeting for July 24, 2026, to be conducted via video conferencing and other audio-visual means, underscoring its continued use of digital channels for shareholder engagement. The company h...
IIFL Finance Sets Virtual 31st AGM, Digitally Circulates FY 2025-26 Annual Report
Jun 30, 2026
IIFL Finance Limited has scheduled its 31st Annual General Meeting for July 24, 2026, to be held via video conferencing and other audio-visual means, and has circulated the notice and annual report for financial year 2025-26 primarily through elec...
IIFL Finance Prices USD 500 Million Secured Notes Under Global MTN Programme
Jun 3, 2026
IIFL Finance has approved the pricing, tenure and key terms for a new issuance of fixed-rate, senior, secured notes under its updated USD 1 billion Global Medium Term Note Programme. The notes, rated B+ by SP and Fitch, are being issued under Regu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.