IIFL Finance Ltd

532636

Summary

Fair Value Assessment
Undervalued (10% Discount)
Fair ValueQ463.51UncertaintyHigh
Close Price412.90May 14, 2025
Market Closed
411.20
Price Down by 1.70 | 0.41 %
Previous Close
412.90
Day Range
408.95 – 416.75
Year Range
280.95 – 560.50
Bid / Ask
Market Cap
174.7 Bil
Volume / Average
37.2 k / 131.7 k
Beta (5-Year)
Shares Outstanding
424.86 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
IIFL Finance Ltd and its subsidiaries provide financial services in India. The company is based in India and generates all revenue domestically. It operates under two primary business units: core products and synergistic products. Core products account for the firm’s offerings of home loans, gold loans, business loans, and microfinance solutions. Synergistic products involve the company’s operations in capital markets, construction, and real estate. Home loans and business loans together make up the operating component of its product offerings.
Contact
N.S. Phadke Marg 802, 8 th Floor, Hub Town Solaris, Mumbai, MH 400069
T +91 2267881000
www.iifl.com opens in a new tab
Sector
Financial Services
Industry
Credit Services
Most Recent Earnings
Mar 31, 2025
Fiscal Year End
Mar 31, 2024
Employees
14,992

Key Metrics

Income Statement (in Bil, except ratios)
03/31/2025
03/2023
03/2022
03/2021
03/2020
03/2019
Revenue
57.55 52.12 40.22 33.28 23.49 24.96
Revenue Growth %
-8.50% 29.58% 20.87% 35.87% -5.94% -29.94%
Net Income
3.79 15.00 11.88 7.60 5.02 6.91
Net Profit Margin %
10.05% 30.85% 29.54% 22.86% 21.44% 32.22%
Basic EPS
9.07 38.36 30.43 19.51 12.89 21.03
Diluted EPS
8.73 38.05 30.25 19.46 12.86 20.98
Normalized EPS
19.53 38.10 31.30 16.13 13.16 29.16
Total Dividends per Share
3.89 3.40 2.91 2.19 4.86
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2023
03/2022
03/2021
03/2020
03/2019
Total Assets
553.72 530.01 459.10 406.67 343.41 332.45
Total Liabilities
417.34 427.99 394.40 352.73 295.75 288.78
Total Debt
400.33 400.17 360.86 325.83 272.74 265.79
Total Equity
136.38 102.02 64.70 53.93 47.66 43.68
Cash And Cash Equivalents
19.25 36.31 62.12 26.16 18.41 12.77
Shares Outstanding (Bil)
0.39 0.39 0.39 0.39
391.68 391.68 390.82 390.04
Book Value Per Share
285.30 229.33 165.03 137.72 121.75 111.96
Total Debt To Equity
2.94 3.92 5.58 6.04 5.72 6.09
Cash Flow Statement (in Bil, except ratios)
03/31/2025
03/2023
03/2022
03/2021
03/2020
03/2019
Cash From Operating Activities
-47.81 -49.41 17.84 -35.91 10.05 3.28
Cash From Investing Activities
-11.49 -27.30 -9.96 2.11 -8.94 4.25
Cash From Financing Activities
55.26 50.90 27.81 44.30 1.79 0.67
Free Cash Flow
-38.51 -45.32 10.84 -42.71 -5.59 21.30
Change in Cash
-4.03 -25.81 35.69 10.50 2.90 8.20

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Nirmal Bhanwarlal Jain (—) Director and Managing Director
Venkataraman Rajamani (—) Director and Joint Managing Director
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
American Funds SMALLCAP World A 5.15 0.12 21,873,820
-1,268,976
5.48%
Mar 31, 2025
Vanguard Total Intl Stock Index Inv 1.09 0.00 4,614,435
Mar 31, 2025
Vanguard Emerging Mkts Stock Idx Inv 1.00 0.01 4,245,304
Mar 31, 2025
HSBC Small Cap Fund Reg Gr 0.80 0.83 3,399,982
Apr 30, 2025
American Funds IS® Global Small Cap 1 0.71 0.42 3,028,075
Mar 31, 2025
Total (for Top 5) 8.75 37,161,616
-1,268,976

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