IIFL Finance Ltd Stock Price Today (NSE: IIFL)
Fundamental Score
IIFL Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
IIFL Finance Ltd share price today is ₹434.90, down 0.65% on NSE/BSE as of 16 April 2026. IIFL Finance Ltd (IIFL) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹24.97K (Cr). The 52-week high for IIFL share price is ₹675.00 and the 52-week low is ₹329.70. At a P/E ratio of 29.10x, IIFL is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 4.90% and a debt-to-equity ratio of 4.53.
IIFL Finance Ltd Share Price Chart — NSE/BSE Historical Performance
AI Research Briefing
Powered by Gemini · 2026-04-10
IIFL Finance is a high-growth, high-risk bet on the Indian credit cycle; execute flawlessly or get crushed.
⚡ WHAT'S HAPPENING NOW (last 2-4 weeks): IIFL Finance concluded a special audit directed by the Income Tax Department. There was a change in senior management personnel effective April 2, 2026. An EGM was held on March 20, 2026, approving a material modification to related party transactions with IIFL Home Finance, increasing the limit to ₹5,492 crore. The resolution passed with 99.20% approval. 🧠 CORE STORY (THE REAL GAME): IIFL is being priced as a high-growth NBFC riding the India credit boom, specifically in gold loans, MSME lending, and housing finance. The market is focused on AUM growth and asset quality. 🔥 WHAT IS DRIVING THE STOCK: 1. **AUM Growth:** IIFL Finance's AUM reached ₹98,336 crore in Q3FY26, up 38% year-over-year. The company is projecting continued strong growth in its loan portfolio. 2. **Asset Quality Improvement:** Gross NPA decreased to 1.6% with net NPA at 0.8% in Q3FY26. Provision coverage ratio stands at a robust 92%. ⚖️ BULL vs BEAR: Bull: Continued AUM growth driven by strong demand for gold loans and MSME financing. Improving asset quality boosts profitability. Institutional investors are increasing their holdings. Bear: High debt/equity ratio of 4.53x and low-interest coverage of 1.27x. Revenue and earnings decreased in fiscal year 2025. Any regulatory tightening on NBFCs could hurt growth. The stock plunged 17% after an income-tax notice, highlighting governance risks. 💣 WHAT MARKET IS PRICING: The market is pricing in continued high AUM growth and further improvement in asset quality. A failure to deliver on either front will lead to a sharp correction. 🎯 BOTTOM LINE: IIFL Finance is a leveraged bet on the Indian credit cycle; high growth, but equally high risk.
- Strong AUM growth
- Improving asset quality
- FII/DII interest
- RBI policy changes
- Significant order wins
- Further NPA reduction
- High debt levels
- Governance concerns (past tax notice)
- Expensive valuation
FII holdings increased by 0.15% and DII holdings increased by 1.04%.
NBFCs are bridging the credit gap in areas where banks aren't as prevalent, especially in rural areas.
No; Free Cash Flow 5Y is ₹-21063.3 Cr.
Expect continued AUM growth, but watch for asset quality deterioration and regulatory headwinds. Next earnings date is May 8, 2026.
Primary Thesis Risk
Sharp rise in NPAs due to economic slowdown will decimate the stock.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
IIFL Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
IIFL Finance Share Price: A Conservative Value Investor's Perspective
The Non-Banking Financial Company (NBFC) sector is currently facing increased scrutiny, particularly regarding asset quality and regulatory compliance. Prudent capital allocation is paramount for long-term survival. This analysis focuses on the IIFL Finance share price and its underlying fundamentals through the lens of a conservative value investor prioritizing capital safety. The current market price stands at ₹515.849976 with a PE ratio of 29.1 and a Return on Capital Employed (ROCE) of 8.81%.
A crucial aspect of evaluating any financial institution is its profitability and efficiency in utilizing capital. IIFL Finance's ROCE of 8.81% warrants careful examination. While seemingly adequate, it falls short of the double-digit figures often associated with companies possessing a strong economic moat. This relatively lower ROCE suggests limited pricing power and heightened vulnerability to competitive pressures and economic downturns. The ability to consistently generate superior returns on capital is essential for long-term value creation and is a key metric considered in our fundamental audit.
Comparing IIFL Finance Ltd to its peers is also important. For example, the management quality of
Apollo Finvest and its capital allocation decisions relative to IIFL could provide insightful comparisons. A deep dive into past decisions and future guidance can help determine the sustainability of IIFL's current performance.The PE ratio of 29.1 suggests a premium valuation, indicating that the market has high expectations for future growth. However, given the relatively modest ROCE, it is crucial to assess whether this premium is justified by the company's growth prospects, asset quality, and risk management practices. A thorough assessment of these factors is essential for determining the long-term investment viability of IIFL Finance.
Disclaimer: This financial analysis is part of an 80-parameter fundamental audit verified by Sweta Mishra and is intended for informational purposes only. It is based on publicly available information and represents an observational assessment, not a recommendation to buy or sell securities. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
IIFL Finance Ltd Fundamental Analysis & Valuation Benchmarking
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.
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.
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.
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.
Strong Institutional Confidence (FII+DII: 35.90%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
9 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.
Weak Earnings Growth (2.19% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (2.39% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
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.
Weak Interest Coverage (1.27x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-21063.30 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (24.87%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
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.
IIFL Finance Ltd Financial Statements
Comprehensive financial data for IIFL Finance Ltd including income statement, balance sheet and cash flow
About IIFL (IIFL Finance Ltd)
IIFL Finance Ltd is a diversified financial services provider operating within the Indian non-banking financial company (NBFC) sector. The company extends credit and financial solu...tions to a broad spectrum of clients, encompassing retail borrowers, small and medium-sized enterprises (SMEs), and the real estate sector. Their product portfolio is designed to meet the distinct needs of various segments, including secured and unsecured lending options. These range from providing accessible avenues for homeownership through housing finance, leveraging the inherent value of gold assets, and delivering tailored business loans. These are specifically crafted to empower entrepreneurs and foster the growth of SMEs. IIFL Finance also channels resources into funding vital infrastructure and real estate development projects, reflecting a commitment to contributing to India's economic expansion. The company's strategic focus lies on deploying technology to enhance efficiency and expand its reach across the country. By harnessing digital platforms and analytics, IIFL Finance streamlines loan application processes and enhances risk management capabilities. Their digital lending initiatives are intended to facilitate access to credit for underserved populations and businesses in remote areas. Furthermore, they offer a range of financial services beyond traditional lending, including wealth management and investment advisory services, aimed at helping clients achieve their financial goals. This multi-faceted approach positions IIFL Finance as a comprehensive financial partner, catering to diverse financial needs across various segments. IIFL Finance distinguishes itself within the NBFC landscape by its commitment to innovative product offerings and customer-centric solutions. The company continuously strives to adapt to evolving market dynamics and regulatory changes, ensuring it remains a relevant and reliable financial partner. They place significant emphasis on responsible lending practices and transparent dealings with their clients, building trust and fostering long-term relationships. Their network of branches and digital channels extends their reach to customers in both urban and rural areas, reinforcing their commitment to financial inclusion and supporting the growth of businesses and individuals across India.
Company Details
Key Leadership
Corporate Events
Latest News
IIFL Share Price: Frequently Asked Questions
What is the current share price of IIFL Finance Ltd (IIFL)?
As of 16 Apr 2026, 11:00 am IST, IIFL Finance Ltd share price is ₹434.90. The IIFL stock has a market capitalisation of ₹24.97K (Cr) on NSE/BSE.
Is IIFL share price Overvalued or Undervalued?
IIFL share price 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 IIFL Finance Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of IIFL share price?
The 52-week high of IIFL share price is ₹675.00 and the 52-week low is ₹329.70. These values are updated daily from NSE/BSE price data.
What factors affect the IIFL Finance Ltd share price?
Key factors influencing IIFL share price include 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 in IIFL shares.
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 share price P/E of 29.10x and ROE of 4.90% against the industry averages to determine competitive standing.
What is the P/E ratio of IIFL and what does it mean?
IIFL share price has a P/E ratio of 29.10x compared to the industry average of 22.03x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently IIFL Finance Ltd generates profits from shareholders capital.
How is IIFL 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.
What is IIFL dividend yield and is it a good dividend stock?
IIFL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in IIFL Finance Ltd shares.
How has IIFL share price 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% pledged. High promoter holding often indicates strong management confidence in IIFL Finance Ltd.
What is IIFL market capitalisation category?
IIFL has a market capitalisation 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 IIFL Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is IIFL 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 quarterly performance?
Recent quarterly performance shows IIFL Finance Ltd 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 IIFL Finance Ltd stock.