IIFL Finance Limited has informed the Exchanges regarding Press Release and Investor Presentation on Audited Financial Results for the quarter and year ended March 31, 2025
Awaiting price reaction for this filing.
IIFL Finance reported a strong sequential recovery in Q4FY25, with consolidated profit after tax (pre-NCI) of ₹251 Cr, up 208% QoQ, though still down 42% YoY. Loan AUM stood at ₹78,341 Cr, up 10% QoQ but marginally down 1% YoY. Gold loan AUM rebounded 40% QoQ to ₹21,022 Cr following the lifting of the RBI embargo, though still 10% below last year. Home loans grew 15% YoY and MSME loans rose 18% YoY, while microfinance shrank 25% YoY due to sector headwinds. Asset quality improved with GNPA at 2.2% (down 19 bps QoQ) and consolidated CRAR at a comfortable 29%. The company raised $425 million via MTN dollar bonds, ₹500 Cr from NHB, and ₹1,500 Cr via NCDs during the quarter. Management guided for FY26 loan growth of 15–30% across segments, interest spread improvement to 6.9–7.0%, and ROE recovery to ~16% versus 3.4% in FY25.
The sharp QoQ profit rebound and management's ambitious FY26 ROE target of ~16% signal a strong recovery story, but FY25 full-year profit remains 71% lower YoY and microfinance/NPA stress persists. The stock may react positively to the turnaround narrative, though investors should weigh asset quality trends in unsecured MSME and microfinance.