IIFL

IIFL Finance Limited

Retail NBFC offering gold loans, home loans, MSME loans and microfinance

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

iifl.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹615.40
Market cap
26,265 Cr
Stock P/E
10.5
P/B
1.70
Dividend yield
0.8%
ROE (FY26)
10.6%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

IIFL (IIFL Finance) is a non-banking finance company that lends to retail and small-business customers through gold loans, home loans, MSME (micro, small and medium enterprise) loans and microfinance.

Company snapshot

15thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

Segment mix

Reportable segments as of 2019-03-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 105.0% of revenue

SegmentRevenue shareRevenuePBTAssets
Fund Based activities
105.0%
1,483 Cr392 Cr33,117 Cr
Others
3.1%
44 Cr18 Cr0 Cr

Shares add up to 108% because segment revenues are before inter-segment eliminations.

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income1,574 Cr1,646 Cr1,438 Cr1,339 Cr1,235 Cr1,314 Cr1,295 Cr1,439 Cr1,582 Cr1,720 Cr2,004 Cr2,161 Cr
Other income47 Cr69 Cr12 Cr5 Cr6 Cr3 Cr6 Cr4 Cr5 Cr7 Cr3 Cr2 Cr
Net operating income1,621 Cr1,714 Cr1,450 Cr1,344 Cr1,242 Cr1,317 Cr1,301 Cr1,443 Cr1,588 Cr1,728 Cr2,007 Cr2,163 Cr
Employee cost434 Cr456 Cr459 Cr484 Cr479 Cr467 Cr496 Cr508 Cr565 Cr542 Cr599 Cr574 Cr
Other expenses248 Cr352 Cr399 Cr215 Cr336 Cr249 Cr259 Cr315 Cr302 Cr312 Cr288 Cr347 Cr
Provisions & contingencies————————————
Depreciation45 Cr50 Cr46 Cr46 Cr46 Cr51 Cr47 Cr47 Cr53 Cr64 Cr63 Cr63 Cr
Profit before tax716 Cr554 Cr436 Cr-140 Cr101 Cr309 Cr356 Cr557 Cr663 Cr833 Cr929 Cr1,074 Cr
Tax %23.9%22.2%22.5%33.4%19.1%18.8%23.1%24.9%24.4%25.1%23.2%25.0%
Net profit545 Cr431 Cr338 Cr-93 Cr82 Cr251 Cr274 Cr418 Cr501 Cr623 Cr713 Cr805 Cr
EPS (₹)₹12.86₹9.79₹7.24₹-3.72₹0.96₹4.89₹5.49₹8.86₹10.92₹13.80₹15.87₹18.00

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———2,223 Cr2,786 Cr3,204 Cr4,147 Cr5,956 Cr5,335 Cr6,036 CrSign in free for the trailing twelve months
Other income26 Cr42 Cr107 Cr82 Cr150 Cr170 Cr188 Cr241 Cr26 Cr23 CrSign in free for the trailing twelve months
Net operating income26 Cr42 Cr107 Cr2,304 Cr2,935 Cr3,374 Cr4,336 Cr6,197 Cr5,361 Cr6,059 CrSign in free for the trailing twelve months
Employee cost330 Cr461 Cr683 Cr746 Cr723 Cr931 Cr1,330 Cr1,685 Cr1,889 Cr2,111 CrSign in free for the trailing twelve months
Other expenses171 Cr214 Cr770 Cr422 Cr362 Cr539 Cr765 Cr1,078 Cr1,199 Cr1,189 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation16 Cr17 Cr32 Cr106 Cr105 Cr122 Cr153 Cr181 Cr189 Cr211 CrSign in free for the trailing twelve months
Profit before tax674 Cr909 Cr1,130 Cr725 Cr1,005 Cr1,536 Cr2,113 Cr2,572 Cr707 Cr2,409 CrSign in free for the trailing twelve months
Tax %33.5%31.3%28.8%30.6%24.3%22.6%23.9%23.2%18.2%24.6%Sign in free for the trailing twelve months
Net profit822 Cr1,162 Cr804 Cr503 Cr761 Cr1,188 Cr1,608 Cr1,974 Cr578 Cr1,817 CrSign in free for the trailing twelve months
EPS (₹)₹21.64₹28.63₹21.38₹13.27₹20.09₹31.33₹39.49₹46.29₹9.07₹39.07Sign in free for the trailing twelve months
Dividend payout %————14.9%11.2%10.8%9.2%0.0%11.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital64 Cr64 Cr64 Cr76 Cr76 Cr76 Cr76 Cr76 Cr85 Cr85 Cr
Reserves4,318 Cr5,002 Cr3,631 Cr4,684 Cr5,312 Cr6,388 Cr10,126 Cr10,561 Cr12,327 Cr13,835 Cr
Borrowings22,013 Cr28,056 Cr14,399 Cr26,983 Cr32,257 Cr35,725 Cr39,604 Cr46,699 Cr51,068 Cr69,176 Cr
Other liabilities6,111 Cr9,081 Cr14,479 Cr2,592 Cr3,017 Cr3,715 Cr3,195 Cr3,666 Cr2,621 Cr4,264 Cr
Total liabilities33,761 Cr43,703 Cr33,245 Cr34,341 Cr40,667 Cr45,910 Cr53,001 Cr62,421 Cr67,644 Cr89,059 Cr
Fixed assets (net)535 Cr603 Cr103 Cr114 Cr104 Cr151 Cr176 Cr168 Cr163 Cr177 Cr
CWIP71 Cr110 Cr7 Cr2 Cr7 Cr6 Cr27 Cr52 Cr22 Cr6 Cr
Investments4,203 Cr3,421 Cr535 Cr958 Cr303 Cr1,487 Cr3,807 Cr4,355 Cr5,309 Cr6,963 Cr
Loans & advances——0 Cr28,532 Cr33,533 Cr33,693 Cr40,001 Cr50,952 Cr55,364 Cr70,911 Cr
Inventories31 Cr21 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Trade receivables530 Cr260 Cr0 Cr30 Cr192 Cr183 Cr121 Cr102 Cr108 Cr98 Cr
Cash & bank3,791 Cr2,953 Cr1,277 Cr1,566 Cr2,616 Cr6,212 Cr3,631 Cr2,470 Cr2,067 Cr3,328 Cr
Other assets24,599 Cr36,336 Cr31,324 Cr3,139 Cr3,912 Cr4,179 Cr5,238 Cr4,321 Cr4,612 Cr7,576 Cr
Total assets33,761 Cr43,703 Cr33,245 Cr34,341 Cr40,667 Cr45,910 Cr53,001 Cr62,421 Cr67,644 Cr89,059 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-756 Cr-6,955 Cr328 Cr1,005 Cr-3,591 Cr1,784 Cr-4,941 Cr-5,848 Cr-4,781 Cr-13,976 Cr
Cash from investing-2,010 Cr-181 Cr425 Cr-894 Cr211 Cr-996 Cr-2,730 Cr-1,356 Cr-1,149 Cr-2,606 Cr
Cash from financing2,887 Cr6,645 Cr67 Cr179 Cr4,430 Cr2,781 Cr5,090 Cr6,042 Cr5,526 Cr17,843 Cr
Net cash flow599 Cr-695 Cr820 Cr290 Cr1,050 Cr3,569 Cr-2,581 Cr-1,162 Cr-403 Cr1,262 Cr
Free cash flow (OCF − Capex)-770 Cr-7,004 Cr260 Cr949 Cr-3,627 Cr1,683 Cr-5,202 Cr-6,116 Cr-4,842 Cr-14,057 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12.2%13.9%15.8%10.5%14.1%18.4%14.7%14.6%2.7%10.6%
Debt / equity5.025.543.905.675.995.533.884.394.114.97