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NSE:IIFL

IIFL FINANCE LIMITED

Financial Services › Finance·NIFTY 500NIFTY MIDSMALLCAP 400NIFTY MIDSMALLCAP400 50:50NIFTY SMALLCAP 100+6
₹527.30
at close · 27 Oct 2026
▼ 2.70 (-0.51%)
ThemesArtificial Intelligence· growing

Latest filings

  1. LIC nominee director T S Ramakrishnan completes tenure · Management Changes
  2. Q2 FY27 profit up 93%; planned equity raise may dilute 10%-20% · Investor Communications
  3. IIFL Finance to hold Debt Investor Call on Oct 27, 2026 · Board & Shareholder Meetings
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends primarily against gold jewellery to retail customers and small businesses, with mortgages, microfinance and secured MSME loans as other core businesses. Gold loans form the single largest portfolio, followed by home finance, microfinance and MSME loans, plus co-lending and loan-assignment arrangements with bank partners. Revenue is essentially the spread between interest charged on loans and the cost of borrowed funds. Employee costs are the largest operating expense at 15.8% of revenue, with other operating expenses adding 8.9%. The business is being repositioned away from unsecured lending, which has been fully discontinued, towards secured retail and MSME credit. The group operates through subsidiaries including IIFL Home Finance for mortgages and Samasta Microfinance for joint-liability group lending.

Operating scale
Consolidated AUM
INR 1,15,523 crQ1 FY27
Gold loan AUM
INR 58,406 crQ1 FY27
Branch network
~5,000-5,500 branches planned (500 new in FY27)FY27
Offices across India
2,930 offices across 26 states/UTsFY26
Assigned co-lending book
INR 26,118 cr (+73% YoY)Q1 FY27
Cost of borrowing
9.13%Q1 FY27
Who pays it
Indian retail borrowers (gold loan, home loan, microfinance) and small businesses (secured MSME loans, LAP)
Biggest cost
Cost of borrowed funds at 9.13% in Q1 FY27
Kind of business
Asset-heavy, leveraged NBFC focused on secured retail and MSME lending
Where it sits
Gold loan is the primary growth engine at roughly half of consolidated AUM of INR 1,15,523 cr as of Q1 FY27
Market Cap
₹22,426 Cr
P / E (TTM)
10.7×
EV / EBITDA
—
Div Yield
0.89%
Growth
18.0%▲
Revenue 5y CAGR
PAT +19.0% · EBITDA +17.4%
Quality
—·
ROCE (FY26)
ROE 15.8% (5y median) · margin 62.4%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
2.3×▲
Margin +0.6 pts
₹5,840 Cr → ₹13,351 Cr
Moves on a normal day
1.50%·
Median daily move
Last 268 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#65/200
P/B#150/253
ROE#42/257
EBITDA margin#85/249
Revenue growth#83/231
Profit growth#50/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 18% a year over 5 years
Profit compounding 19% a year over 5 years
Concerns
Nothing flagged in the filed numbers.

Charts

How has the market priced it — with filings on the timeline?

IIFL · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from IIFL FINANCE LIMITED's filed financials and exchange disclosures

What does IIFL FINANCE LIMITED do?

IIFL FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol IIFL.

Is IIFL FINANCE LIMITED profitable?

Yes. Over the trailing twelve months IIFL FINANCE LIMITED reported a net profit of ₹2,256 Cr on revenue of ₹14,344 Cr.

Does IIFL FINANCE LIMITED pay a dividend?

Yes. The dividend yield is 0.89% at the current price. It paid out 11% of its profit as dividend in FY26.

Is IIFL FINANCE LIMITED expensive compared with its peers?

On trailing P/E, IIFL FINANCE LIMITED ranks 65 of 200 in Non Banking Financial Company (NBFC) — cheaper than 68% of them, against an industry median of 18.5×. This is a position, not a valuation judgement.

How much does the IIFL FINANCE LIMITED share price move in a day?

On a typical session IIFL FINANCE LIMITED moves 1.50% — that is the median absolute close-to-close move across its last 268 trading days. MarketPing measures each filing's price reaction against it.

Where can I track IIFL FINANCE LIMITED's announcements?

Every NSE and BSE filing by IIFL FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.