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Swing Capital

IIFL Finance Ltd

NSE: IIFL BSE: 532636Banking

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.[1]

₹452
52W: ₹401 — ₹675
PE 16.7 · Book ₹178 · +154% vs book
Market Cap₹19,242 Cr
Stock P/E16.7Price to Earnings
ROCE12.2%Return on Capital
ROE16.4%Return on Equity
Div. Yield0.86%Face Value ₹2

Strengths

  • +Company is expected to give good quarter
  • +Company's median sales growth is 16.4% of last 10 years

Weaknesses

  • −Stock is trading at 2.57 times its book value
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 10.7% over last 3 years.
  • −Dividend payout has been low at 13.6% of profits over last 3 years

Shareholding Pattern

Promoters24.84%
FIIs28.16%
DIIs7.09%
Public39.92%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters24.92%24.91%▼0.024.9%▼0.024.9%24.86%▼0.024.86%24.85%▼0.024.84%▼0.0
FIIs30.31%29.64%▼0.727.78%▼1.928.03%▲0.326.62%▼1.426.77%▲0.127.77%▲1.028.16%▲0.4
DIIs7.43%6.25%▼1.24.5%▼1.85.54%▲1.08.09%▲2.59.13%▲1.09.16%▲0.07.09%▼2.1
Public37.35%39.19%▲1.842.84%▲3.741.54%▼1.340.41%▼1.139.23%▼1.238.2%▼1.039.92%▲1.7

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses519716583572457461571689684609
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit132165-23-4411638133211301509
EPS ₹3.113.89-0.53-10.40.380.913.124.967.0811.97

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹6Cr (0% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 7.09% (+1.55pp change). FIIs: 28.16% (-0.47pp change). Promoters hold 24.84%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 16.7x with 12.2% ROCE. Price is 154% above book value of ₹178. Dividend yield: 0.86%.

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