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IIFL Finance Ltd
Fundamental Score
IIFL Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of IIFL across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (62.17%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (25.08%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (29.31%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (16.12% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Institutional Confidence (FII+DII: 35.90%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
12 factors identified
Below-Average Return on Equity (4.90%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.81%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Weak Earnings Growth (2.19% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (2.39% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Elevated Debt Levels (D/E: 4.53)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.27x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-21063.30 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (24.87%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
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Financial Statements
Comprehensive financial data for IIFL Finance Ltd
About IIFL
Business Overview
IIFL Finance Limited, a non-banking financial company, provides financial services in India and internationally. The company offers home and gold loans; business loans, including business loans for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprises; loans against securities; and digital finance loans, as well as supply chain finance. It also provides construction and real estate financing; capital market financing; and lending, investment, and wealth management services. 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 headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
IIFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of IIFL Finance Ltd (IIFL)?
As of 20 Jan 2026, 10:58 am IST, IIFL Finance Ltd (IIFL) is currently trading at ₹630.60. The stock has a market capitalization of ₹24.97K (Cr).
Is IIFL share price Overvalued or Undervalued?
IIFL is currently trading at a P/E ratio of 29.10x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the IIFL Finance Ltd share price?
Key factors influencing IIFL's price include its quarterly earnings growth (Sales Growth: 29.31%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is IIFL Finance Ltd a good stock for long-term investment?
IIFL Finance Ltd shows a 5-year Profit Growth of 2.39% and an ROE of 4.90%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.53 before investing.
How does IIFL Finance Ltd compare with its industry peers?
IIFL Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare IIFL's P/E of 29.10x and ROE of 4.90% against the industry averages to determine its competitive standing.
What is the P/E ratio of IIFL and what does it mean?
IIFL has a P/E ratio of 29.10x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹29 for every ₹1 of annual earnings.
How is IIFL performing according to Bull Run's analysis?
IIFL has a Bull Run fundamental score of 33/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does IIFL belong to?
IIFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting IIFL Finance Ltd.
What is Return on Equity (ROE) and why is it important for IIFL?
IIFL has an ROE of 4.90%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently IIFL Finance Ltd generates profits from shareholders' equity.
How is IIFL's debt-to-equity ratio and what does it indicate?
IIFL has a debt-to-equity ratio of 4.53, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is IIFL's dividend yield and is it a good dividend stock?
IIFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has IIFL grown over the past 5 years?
IIFL has achieved 5-year growth rates of: Sales Growth 16.12%, Profit Growth 2.39%, and EPS Growth 2.19%.
What is the promoter holding in IIFL and why does it matter?
Promoters hold 24.87% of IIFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is IIFL's market capitalization category?
IIFL has a market capitalization of ₹24966 crores, placing it in the Large-cap category.
How volatile is IIFL stock?
IIFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for IIFL?
IIFL has a 52-week high of ₹N/A and low of ₹N/A.
What is IIFL's operating profit margin trend?
IIFL has a 5-year average Operating Profit Margin (OPM) of 62.17%, indicating the company's operational efficiency.
How is IIFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 29.31% and YoY Profit Growth of 25.08%.
What is the institutional holding pattern in IIFL?
IIFL has FII holding of 26.77% and DII holding of 9.13%. Significant institutional holding often suggests professional confidence in the stock.