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IIFL Finance Ltd. (IIFL.NS)
INR543.60
+2.10 (+0.39%)
IN NSE Financial Services Financial - Credit Services
Address
802, Hubtown Solaris 400069
Mumbai, IN
Mumbai, IN
CEO
Rajamani Venkataraman
Website
iifl.com
IPO
2005-05-17
ISIN INE530B01024
Also trades on
Bombay Stock Exchange · IIFL.BO (INR)
National Stock Exchange of India · IIFL-RE.NS (INR)
National Stock Exchange of India · IIFL.NS (INR)
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 loans such as home, personal, and gold loans. For businesses, its portfolio includes loans against property, financing for small and medium enterprises, microfinance, specialized funding for real estate development and construction, and capital market finance, alongside digital financial solutions. Furthermore, IIFL offers wealth and asset management services, in addition to facilitating demat accounts, futures and options trading, and commodity trading. Its diverse clientele comprises both retail consumers and corporate entities. The organization adopted its current name, IIFL Finance Limited, in May 2019, having previously been known as IIFL Holdings Limited.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR543.60
+2.10 (+0.39%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.25
Float Shares
230.76M
Free Float %
54.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +6.13% | +1.90% | +5.47% | -7.04% | -12.02% | -22.52% | +16.66% | +8.51% | +80.53% | +378.65% | +6,406.19% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
543.60
DCF (Unlevered)
1,149.49
+111.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
75% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 3 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.52
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+34.8% ★ Q1'26: +43.7% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+343.9% ★ Q1'26: +182.9% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+18.5% Q1'26: +153.8% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+18.0% Q1'26: +22.6% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+2.3% Q1'26: +3.2% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-1.2% ★ Q1'26: -0.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×26.61× Q1'26: 19.44× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2010 actual |
Mar 2011 actual |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 3 Rev. Ana. 2 EPS Ana. |
Mar 2027 4 Rev. Ana. 2 EPS Ana. |
Mar 2028 4 Rev. Ana. 3 EPS Ana. |
Mar 2029 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
11.23B
est: 12.27B (-8.5%)
|
14.72B
est: 14.80B (-0.5%)
|
17.64B
est: 17.47B (+0.9%)
|
24.29B
est: 30.86B (-21.3%)
|
27.02B
est: 26.49B (+2.0%)
|
34.61B
est: 35.74B (-3.2%)
|
38.38B
est: 43.68B (-12.1%)
|
31.98B
est: 47.72B (-33.0%)
|
62.85B
est: 51.33B (+22.4%)
|
50.82B
est: 57.18B (-11.1%)
|
48.54B
est: 23.25B (+108.7%)
|
59.53B
est: 24.26B (+145.4%)
|
70.13B
est: 34.21B (+105.0%)
|
79.13B
est: 51.01B (+55.1%)
|
101.58B
est: 66.62B (+52.5%)
|
99.25B
est: 59.88B (+65.7%)
|
76.58B
75.93B – 77.50B
+27.9% YoY
|
93.22B
86.69B – 97.66B
+21.7% YoY
|
109.56B
97.52B – 116.43B
+17.5% YoY
|
127.15B
127.15B – 127.15B
+16.0% YoY
|
| EBITDA |
—
est: 2.97B (-100.0%)
|
—
est: 4.90B (-100.0%)
|
2.80B
est: 4.34B (-35.5%)
|
4.84B
est: 6.48B (-25.2%)
|
4.88B
est: 5.56B (-12.3%)
|
7.83B
est: 5.12B (+52.8%)
|
9.09B
est: 11.68B (-22.2%)
|
6.90B
est: 7.68B (-10.2%)
|
15.15B
est: 12.43B (+21.9%)
|
11.62B
est: 8.27B (+40.4%)
|
8.31B
est: 12.65B (-34.3%)
|
11.10B
est: 3.83B (+190.2%)
|
16.58B
est: 7.31B (+126.7%)
|
22.65B
est: 10.92B (+107.4%)
|
27.53B
est: 14.39B (+91.4%)
|
8.96B
est: 12.93B (-30.7%)
|
16.54B
16.40B – 16.74B
+27.9% YoY
|
20.13B
18.72B – 21.09B
+21.7% YoY
|
23.66B
21.06B – 25.14B
+17.5% YoY
|
27.46B
27.46B – 27.46B
+16.0% YoY
|
| EBIT |
-534.59M
est: 2.62B (-120.4%)
|
-581.71M
est: 4.27B (-113.6%)
|
2.00B
est: 3.67B (-45.7%)
|
4.00B
est: 5.92B (-32.4%)
|
4.20B
est: 5.08B (-17.4%)
|
7.24B
est: 4.40B (+64.7%)
|
8.43B
est: 11.28B (-25.2%)
|
6.74B
est: 7.41B (-9.0%)
|
14.48B
est: 8.68B (+66.9%)
|
11.30B
est: 11.43B (-1.2%)
|
7.25B
est: 19.34B (-62.5%)
|
10.05B
est: 12.29B (-18.2%)
|
15.36B
est: 10.39B (+47.8%)
|
21.13B
est: 9.99B (+111.5%)
|
25.72B
est: 13.20B (+94.9%)
|
7.07B
est: 11.86B (-40.4%)
|
15.17B
15.04B – 15.35B
+27.9% YoY
|
18.47B
17.17B – 19.35B
+21.7% YoY
|
21.70B
19.32B – 23.07B
+17.5% YoY
|
25.19B
25.19B – 25.19B
+16.0% YoY
|
| Net Income |
2.32B
est: 1.75B (+32.8%)
|
2.15B
est: 2.80B (-23.3%)
|
1.36B
est: 2.49B (-45.4%)
|
2.72B
est: 3.61B (-24.6%)
|
2.78B
est: 4.05B (-31.4%)
|
4.47B
est: 3.00B (+48.9%)
|
5.11B
est: 6.93B (-26.3%)
|
6.86B
est: 4.54B (+51.2%)
|
7.95B
est: 9.19B (-13.5%)
|
7.95B
est: 6.05B (+31.4%)
|
5.02B
est: 11.44B (-56.1%)
|
7.60B
est: 5.44B (+39.7%)
|
11.88B
est: 8.67B (+37.1%)
|
15.00B
est: 16.31B (-8.0%)
|
17.64B
est: 16.26B (+8.4%)
|
3.79B
est: 7.22B (-47.5%)
|
16.96B
16.95B – 16.97B
+134.9% YoY
|
25.45B
24.99B – 25.91B
+50.1% YoY
|
30.04B
28.71B – 33.62B
+18.1% YoY
|
36.76B
29.95B – 43.89B
+22.3% YoY
|
| SGA |
2.01B
est: 5.60B (-64.1%)
|
1.08B
est: 6.26B (-82.7%)
|
1.59B
est: 7.70B (-79.4%)
|
1.46B
est: 2.78B (-47.5%)
|
1.94B
est: 2.39B (-18.6%)
|
2.31B
est: 9.49B (-75.6%)
|
1.11B
est: 15.12B (-92.7%)
|
900.66M
est: 10.08B (-91.1%)
|
1.78B
est: 7.52B (-76.4%)
|
1.54B
est: 12.37B (-87.6%)
|
1.41B
est: 16.35B (-91.4%)
|
984.22M
est: 12.57B (-92.2%)
|
1.55B
est: 3.14B (-50.7%)
|
2.44B
est: 4.70B (-48.1%)
|
3.66B
est: 5.91B (-38.1%)
|
35.21B
est: 5.31B (+562.5%)
|
6.80B
6.74B – 6.88B
+27.9% YoY
|
8.27B
7.69B – 8.67B
+21.7% YoY
|
9.72B
8.65B – 10.33B
+17.5% YoY
|
11.28B
11.28B – 11.28B
+16.0% YoY
|
| EPS |
8.18
est: 7.71 (+6.0%)
|
7.33
est: 7.72 (-5.0%)
|
4.58
est: 4.28 (+6.9%)
|
9.37
est: 8.36 (+12.0%)
|
9.41
est: 9.38 (+0.3%)
|
14.76
est: 6.27 (+135.6%)
|
16.33
est: 7.75 (+110.7%)
|
21.64
est: 9.71 (+123.0%)
|
24.25
est: 13.24 (+83.2%)
|
20.44
est: 12.11 (+68.8%)
|
13.27
est: 18.75 (-29.2%)
|
19.51
est: 15.35 (+27.1%)
|
30.43
est: 20.01 (+52.1%)
|
38.36
est: 37.59 (+2.1%)
|
46.29
est: 42.20 (+9.7%)
|
9.07
est: 17.25 (-47.4%)
|
39.57
39.55 – 39.58
+129.4% YoY
|
59.38
58.30 – 60.45
+50.1% YoY
|
72.71
66.99 – 78.44
+22.5% YoY
|
86.14
69.89 – 102.40
+18.5% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | B- | 2/5 | 1/5 | 3/5 | 5/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
838.57M
OE per share TTM
2.08
Owner's Yield
0.43%
Maintenance CapEx ratio
15.01%
Maint CapEx / Avg PPE
6.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 4 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Asia Pacific ETF GMF | 0.08% | 354.9K | 0.49% |
| 2 | WisdomTree True Emerging Markets Fund XC | 0.03% | 26.7K | 0.32% |
| 3 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.01% | 1.02M | 0.07% |
| 4 | State Street SPDR Portfolio MSCI Global Stock Market ETF SPGM | 0.00% | 7.0K | 0.09% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.62M
Shares Outstanding
425.23M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Nirmal Bhanwarlal Jain ICWA | Founder, MD & Executive Director | 123M | male |
| Kapish Jain | Head of IR & Chief Financial Officer | 20M | male |
| Samrat Sanyal | Company Secretary & Compliance Officer | 4M | male |
| Rajamani Venkataraman | Joint MD & Executive Director | — | male |
| Shivalingam A. Pillai | Chief Compliance Officer | — | male |
| Sourav Mishra | Head of Corporate Communication | — | male |
| Binay Kumar Mishra | Head of Legal | — | male |
| Sripathi Venu | Chief Administrative Officer | — | male |
| Gaurav Sharma | Chief Technology Officer | — | male |
| Nipun Goel | President of Investment Banking | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for IIFL.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
