IIFL Finance Limited has informed the Exchange about Investor Presentation
IIFL · price
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IIFL Finance reported Q4FY25 consolidated PAT (pre-NCI) of ₹251 Cr, surging 208% QoQ, signalling a strong rebound after the FY25 disruption caused by the RBI gold loan embargo. Loan AUM grew 10% QoQ to ₹78,341 Cr, led by a 40% QoQ jump in gold loans to ₹21,022 Cr post-embargo lift, while home loans rose 15% YoY to ₹31,588 Cr. Asset quality improved with GNPA falling 19 bps QoQ to 2.2%, and the company maintained a strong 29% CRAR and ₹5,216 Cr liquidity buffer. FY25 was weak on a full-year basis, with consolidated PAT down 71% YoY at ₹578 Cr, and the standalone entity posting a ₹410 Cr loss due to embargo-related provisions. Management guided for FY26 loan growth of 15-18% in home loans and 25-30% in gold and MSME, spread improvement to 6.9-7.0% (from 6.7% in FY25), and a sharp ROE recovery to ~16% (from 3.4% in FY25), backed by robust fund raises including a $425M dollar bond and $100M AIIB facility.
The sharp QoQ earnings recovery and aggressive FY26 guidance signal a decisive turnaround from the gold loan embargo shock, likely to boost investor sentiment. However, YoY numbers remain deeply negative, microfinance AUM is still down 25%, and execution on the ambitious FY26 targets will be key for sustained stock re-rating.