IIFL Finance Ltd Stock Price Today (NSE: IIFL)
Fundamental Score
IIFL Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
IIFL Finance Ltd share price today is ₹519.90, up +0.00% on NSE/BSE as of 17 February 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 ₹N/A and the 52-week low is ₹N/A. 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
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 (IIFL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹24.97K (Cr). IIFL Finance Ltd has delivered a Return on Equity (ROE) of 4.90% and a ROCE of 8.81%. The debt-to-equity ratio stands at 4.53, reflecting the company's capital structure. Investors tracking IIFL share price can monitor key metrics including P/E ratio, promoter holding of 24.87%, and quarterly earnings growth.
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 17 Feb 2026, 10:11 am IST, IIFL Finance Ltd share price is ₹519.90. 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 ₹N/A and the 52-week low is ₹N/A.
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.