IIFL Finance Ltd.
NSE: IIFL · Non Banking Financial Company (NBFC)
Snapshot
Unlock IIFL Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
IIFL Finance Limited is a diversified non-banking financial company (NBFC) that provides a wide array of credit products, including home, gold, personal, and business loans. The company also offers wealth and asset management services alongside capital market trading solutions to retail and corporate clients.
Business Model
The company generates revenue primarily through interest income on its diverse loan portfolio and fee-based income from wealth management and financial services. It operates through a digital-first approach combined with an extensive physical branch network to serve its customer base.
Growth Outlook
Growth is driven by the expansion of its digital finance platform and the scaling of core lending segments such as gold loans and microfinance. The company continues to leverage its established market presence to capture demand within the Indian retail and MSME credit sectors.
Key Risks
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact operational flexibility.
- Credit Risk. The company faces potential losses from defaults in its retail and MSME loan portfolios, particularly during periods of economic downturn.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the cost of borrowing for the company's lending activities.
- Liquidity Risk. Reliance on wholesale funding markets exposes the company to liquidity constraints if market conditions tighten significantly.
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Key Metrics
REVENUE
₹15,286 Cr
TTM · consolidated
NET PROFIT
₹2,643 Cr
TTM · consolidated
EPS
₹58.59
TTM · consolidated
RETURN ON EQUITY
18.6%
TTM · consolidated
P/E
9.4×
Q2 FY27 · consolidated
NET PROFIT MARGIN
19.0%
Q2 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
IIFL Finance Ltd.IIFL | ₹22,521 Cr | 9.4× | — | 35.4% | — | 18.6% | — | +3.4% |
Mahindra & Mahindra Financial Services Ltd.M&MFIN | ₹36,381 Cr | 10.1× | — | 14.9% | — | 13.8% | — | -17.0% |
Manappuram Finance Ltd.MANAPPURAM | ₹27,147 Cr | 18.2× | — | 4.8% | — | 10.1% | — | +10.8% |
Capri Global Capital Ltd.CGCL | ₹22,153 Cr | 17.1× | — | 52.9% | — | 17.9% | — | +14.6% |
Five-Star Business Finance Ltd.FIVESTAR | ₹11,715 Cr | 10.6× | — | 8.3% | — | 15.2% | — | -38.6% |
SBFC Finance Ltd.SBFC | ₹9,357 Cr | 19.1× | — | 28.4% | — | 13.6% | — | -22.6% |
As of Q2 FY27
Financials
IIFL Finance Ltd.
NSE: IIFL · Non Banking Financial Company (NBFC)
Snapshot
Unlock IIFL Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
IIFL Finance Limited is a diversified non-banking financial company (NBFC) that provides a wide array of credit products, including home, gold, personal, and business loans. The company also offers wealth and asset management services alongside capital market trading solutions to retail and corporate clients.
Business Model
The company generates revenue primarily through interest income on its diverse loan portfolio and fee-based income from wealth management and financial services. It operates through a digital-first approach combined with an extensive physical branch network to serve its customer base.
Growth Outlook
Growth is driven by the expansion of its digital finance platform and the scaling of core lending segments such as gold loans and microfinance. The company continues to leverage its established market presence to capture demand within the Indian retail and MSME credit sectors.
Key Risks
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact operational flexibility.
- Credit Risk. The company faces potential losses from defaults in its retail and MSME loan portfolios, particularly during periods of economic downturn.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the cost of borrowing for the company's lending activities.
- Liquidity Risk. Reliance on wholesale funding markets exposes the company to liquidity constraints if market conditions tighten significantly.
Start your research today
Unlock AI insights, financials, peers and live data on IIFL Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹15,286 Cr
TTM · consolidated
NET PROFIT
₹2,643 Cr
TTM · consolidated
EPS
₹58.59
TTM · consolidated
RETURN ON EQUITY
18.6%
TTM · consolidated
P/E
9.4x
Q2 FY27 · consolidated
NET PROFIT MARGIN
19.0%
Q2 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q2 FY27