āagman

Not investment advice. Data and computed figures, for information only.

IIFL Finance Ltd

NSE: IIFL
₹598.10
+₹3.25 (+0.55%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹25,511 Cr
CMP
₹598.10
52-wk High / Low
₹705 / 409
P/E
12.1
P/B
1.8
Book Value
₹327.0
Div Yield
0.67%
ROCE
10.9%
ROE
13.0%
Face Value
₹2
D/E
4.97

Price+22.1% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹536
√(22.5 × EPS × book value per share)
Cash flow to profit
−7.69
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
11.9%
ROE × earnings retention ratio
ROE stability
5.3
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −4.30DII +0.41
Latest quarter vs the previous one
Cash-accrual divergence
20.2%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.1x)
+PE of 12.1x is below the sector median of 20.4x
Watch-outs
−Borrowings are up 333.8% since FY2016 (15948 to 69176)
−Piotroski F-Score of 3/9 is in the weak band (≤3)
−Balance-sheet accruals of 20.2% of average assets — earnings are not cash-backed

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales2,3012,4782,6492,8542,6212,5562,4432,5912,9533,3053,4273,6923,919
Expenses8228779481,2551,1091,1051,3071,0651,2671,3231,2801,1941,211
Operating Profit—————————————
OPM %—————————————
Other Income6957466812−5826364573
Interest8889329851,0631,0429639961,1691,2891,3821,4371,6101,719
Depreciation42434550464646514747536463
Profit before tax618684716554436−140101309356557663833929
Net Profit473526545431338−9382251274418501623713
EPS (₹)10.0611.2011.588.816.79−3.720.964.895.498.8610.9213.8015.87

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales3,5513,9523,1636,4054,9784,8475,9686,9918,44410,47210,23313,36614,344
Expenses1,3191,3626892,2211,4351,6822,2392,3552,9363,8424,5595,0185,008
Operating Profit—————————————
OPM %—————————————
Other Income−4837561212792032218−583719
Interest1,4451,6901,7862,7302,5932,4132,6383,0113,2453,8964,1965,7366,148
Depreciation5966166732106106122153181189211226
Profit before tax7248431,0481,4481,1307251,0051,5362,1132,5727072,4092,981
Net Profit4765558221,0217965037611,1881,6081,9745781,8172,256
EPS (₹)12.9814.5319.4222.4222.4011.9418.0628.1635.4941.608.9239.0549.45

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital626364646476767676768585—
Reserves2,4963,2894,3184,6794,2904,6845,3126,3888,91610,56112,32713,835—
Other Liabilities2,2213,5665,0495,4262,3681,6172,6963,3603,9934,6304,1645,891—
Total Liabilities19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64488,987—
Fixed Assets5005336568713696076757758629051,4871,514—
CWIP1067111072762852236—
Investments1,2831,8674,1532,150212770321,1923,5114,0594,4386,092—
Other Assets17,62420,46128,88141,36532,65132,99439,95443,93748,60257,38761,69681,375—
Total Assets19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64488,987—
Borrowing14,63915,94824,33034,32626,51727,99632,58336,08640,01747,13651,06869,176—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−2,126−54−4,329−10,4834221,101−3,5871,784−5,225−8,716−4,781−13,976
Cash from Investing Activity−361−671−2,602−374562−919236−996−2,716468−1,149−2,606
Cash from Financing Activity2,9045259,0948,468201094,4282,7815,3617,0885,52617,843
Net Cash Flow417−2002,162−2,3891,0042901,0773,569−2,580−1,160−4031,262

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————10.9
ROE %19.017.018.017.016.011.015.020.019.018.05.013.0
EPS (₹)12.9814.5319.4222.4222.4011.9418.0628.1635.4941.608.9239.05
Book Value (₹)———————————327.0
Face Value (₹)———————————2
P/E———————————12.1
Div Yield %———————————0.67
NPM %13.414.023.215.815.310.212.716.919.018.86.013.6
OPM %————————————
D/E5.724.765.557.246.095.886.055.584.454.434.114.97
P/B———————————1.8

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+13.0%
5 years+18.0%
3 years+17.0%
TTM+36.0%
Compounded profit growth
10 years+12.0%
5 years+17.0%
3 years+3.0%
TTM+169.0%
Stock price CAGR
10 years+17.0%
5 years+15.0%
3 years−1.0%
Last year+22.0%
Return on equity
10 years14.0%
5 years14.0%
3 years12.0%
Last year13.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters29.05%29.05%28.96%29.03%24.94%24.96%24.91%24.85%24.78%24.90%24.84%24.84%
FIIs21.50%21.50%23.04%23.96%20.11%21.50%20.66%28.09%29.14%28.03%28.16%23.86%
DIIs1.96%1.96%2.52%1.43%0.35%0.19%1.04%4.04%8.59%5.54%7.09%7.50%
Government————————————
Public47.46%47.46%45.46%45.55%54.60%53.35%53.39%43.01%37.47%41.54%39.92%43.80%
No. of shareholders21,80121,80141,28840,21738,41637,39463,44967,4681,49,3091,69,3741,24,5431,27,688
Change since Jun 2023 (pp)
Promoters −4.21FIIs +2.36DIIs +5.54Public −3.66

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBoard Meeting Intimation for Consideration And Approval Of Consolidated And Standalone Unaudited Financial Results For The Quarter And Half-Year Ended September 30, 2026.Announcement under Regulation 30 (LODR)-AllotmentAnnouncement under Regulation 30 (LODR)-Change in ManagementAnnouncement under Regulation 30 (LODR)-Allotment
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingApr 2026PPTJan 2026TranscriptJan 2026PPTJan 2026RecordingNov 2025TranscriptNov 2025PPTNov 2025Recording

Corporate actions

As of 29 Jan 2026
29 Jan 2026DIVIDENDInterim Dividend - Rs 4 Per Share—
23 Apr 2024RIGHTSRights 1:9 @ Premium Rs 298/-—
25 Jan 2024DIVIDENDInterim Dividend - Rs 4 Per Share—
7 Feb 2023DIVIDENDInterim Dividend - Rs 4 Per Share—
3 Feb 2022DIVIDENDInterim Dividend - Rs 3.50 Per Share—
4 Feb 2021DIVIDEND Interim Dividend - Rs 3.00 Per Share—
19 Mar 2020DIVIDEND Interim Dividend - Rs 2.25 Per Share—
30 May 2019DEMERGER Scheme Of Arrangement—
6 Feb 2019DIVIDEND Interim Dividend - Rs 5 Per Share—
7 Feb 2018DIVIDEND Interim Dividend Rs 5/- Per Share (Purpose Revised)—
17 Oct 2017DEMERGER Scheme Of Arrangement—
2 Feb 2017DIVIDEND Interim Dividend Rs 4.50 Per Share (Purpose Revised)—
5 Feb 2016DIVIDEND Interim Dividend Rs 3/- Per Share + Special Dividend Rs 1.25/- Per Share (Purpose Revised)—
23 Sep 2014DIVIDENDInterim Dividend Rs.3/- Per Share (Purpose Revised)—
3 Feb 2014DIVIDENDInterim Dividend - Rs 3/- Per Share (Purpose Revised)—
4 Feb 2013DIVIDENDInterim Dividend Rs 3 Per Share (Purpose Revised)—
18 May 2012DIVIDENDInterim Dividend Rs.1.50 Per Share (Purpose Revised)—
7 Mar 2011DIVIDENDInterim Dividend Rs 3 Per Share (Purpose Revised)—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman