Market Cap ₹16935 Cr.
Stock P/E 8.7
P/B 1.4
Current Price ₹399.4
Book Value ₹ 276.6
Face Value 2
52W High ₹684
Dividend Yield 1%
52W Low ₹ 304.3
IIFL Finance Ltd, previously IIFL Holdings Ltd, is an totally India-based holding corporation. The Company provides home loans, business loans, gold loan and microfinance. Its segments consist of fund based activity,financial product distribution, capital market interest and others. The Company is a online and offline dealer, and advisory offerings company to retail and institutional customers within the cash and derivative segments. The Company and its subsidiaries are engaged in financing, wealth control and business enterprise companies. Its financing business includes housing finance and non-bank finance. Its wealth management business is engaged in wealth control and asset management. Its business enterprise business includes financial advisory and broking, institutional studies and investment banking, and financial product distribution. In addition, the Company gives loan application for clients, merchant banking services and tablet-primarily based solution for series system.
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1668 | 1798 | 1873 | 1931 | 2026 | 2121 | 2181 | 2305 | 2476 | 2647 |
| Other Income | 46 | 45 | 60 | 44 | 25 | 24 | 95 | 65 | 58 | 47 |
| Total Income | 1713 | 1844 | 1933 | 1975 | 2051 | 2144 | 2276 | 2371 | 2534 | 2694 |
| Total Expenditure | 568 | 646 | 707 | 731 | 709 | 740 | 779 | 822 | 875 | 945 |
| Operating Profit | 1146 | 1198 | 1226 | 1244 | 1342 | 1404 | 1497 | 1548 | 1659 | 1750 |
| Interest Expense | 744 | 773 | 773 | 776 | 776 | 809 | 861 | 888 | 932 | 989 |
| Depreciation | 30 | 30 | 33 | 34 | 37 | 39 | 42 | 42 | 43 | 45 |
| Profit Before Tax | 372 | 394 | 420 | 434 | 529 | 555 | 594 | 618 | 684 | 716 |
| Provision for Tax | 80 | 84 | 99 | 104 | 132 | 132 | 136 | 146 | 158 | 171 |
| Profit After Tax | 292 | 310 | 321 | 330 | 397 | 423 | 458 | 473 | 526 | 545 |
| Adjustments | -0 | -0 | -0 | -0 | -18 | -45 | -45 | -47 | -51 | -55 |
| Profit After Adjustments | 292 | 310 | 321 | 330 | 380 | 378 | 413 | 425 | 474 | 490 |
| Adjusted Earnings Per Share | 7.5 | 7.9 | 8.2 | 8.4 | 9.7 | 9.7 | 10.5 | 10.9 | 12.1 | 12.5 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2658 | 2822 | 3551 | 3952 | 3138 | 6321 | 4978 | 4844 | 5840 | 6855 | 8259 | 9609 |
| Other Income | 7 | 15 | 13 | 11 | 29 | 187 | 176 | 94 | 150 | 178 | 268 | 265 |
| Total Income | 2665 | 2837 | 3564 | 3963 | 3167 | 6508 | 5154 | 4938 | 5990 | 7033 | 8527 | 9875 |
| Total Expenditure | 1299 | 1180 | 1336 | 1364 | 691 | 2257 | 1503 | 1694 | 2241 | 2364 | 3017 | 3421 |
| Operating Profit | 1367 | 1657 | 2228 | 2599 | 2475 | 4251 | 3650 | 3244 | 3749 | 4669 | 5510 | 6454 |
| Interest Expense | 882 | 1169 | 1445 | 1690 | 1786 | 2730 | 2593 | 2413 | 2638 | 3011 | 3245 | 3670 |
| Depreciation | 84 | 68 | 59 | 66 | 16 | 67 | 32 | 106 | 106 | 122 | 153 | 172 |
| Profit Before Tax | 400 | 420 | 724 | 843 | 674 | 1448 | 1130 | 725 | 1005 | 1536 | 2113 | 2612 |
| Provision for Tax | 121 | 128 | 247 | 288 | 226 | 427 | 334 | 222 | 244 | 348 | 505 | 611 |
| Profit After Tax | 279 | 291 | 476 | 555 | 448 | 1021 | 796 | 503 | 761 | 1188 | 1608 | 2002 |
| Adjustments | -7 | -13 | -29 | -44 | 238 | -226 | -1 | -2 | -1 | -0 | -107 | -198 |
| Profit After Adjustments | 272 | 278 | 447 | 511 | 686 | 795 | 795 | 502 | 760 | 1188 | 1500 | 1802 |
| Adjusted Earnings Per Share | 9 | 9.1 | 13.9 | 14.8 | 20.9 | 23.8 | 24.2 | 12.9 | 19.5 | 30.4 | 38.3 | 46 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 20% | 19% | 5% | 12% |
| Operating Profit CAGR | 18% | 19% | 5% | 15% |
| PAT CAGR | 35% | 47% | 10% | 19% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -8% | 16% | 0% | 16% |
| ROE Average | 21% | 19% | 17% | 17% |
| ROCE Average | 12% | 11% | 11% | 12% |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 1959 | 2152 | 2558 | 3352 | 4382 | 4743 | 4354 | 4760 | 5388 | 6464 | 8992 |
| Minority's Interest | 34 | 43 | 264 | 744 | 1255 | 1500 | 4 | 6 | 6 | 6 | 1210 |
| Borrowings | 4400 | 6019 | 9471 | 9020 | 12801 | 17360 | 20507 | 24833 | 27699 | 32944 | 38189 |
| Current Liability | 7089 | 6719 | 7283 | 9997 | 15589 | 20886 | 8373 | 4526 | 7296 | 6206 | 4283 |
| Other Liabilities & Provisions | 478 | 424 | 645 | 863 | 1196 | -385 | -295 | 6 | -33 | 5 | 205 |
| Total Liabilities | 13960 | 15358 | 20221 | 23975 | 35223 | 44104 | 32944 | 34130 | 40356 | 45625 | 52879 |
| Loans | 3158 | 3897 | 5056 | 9007 | 13640 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 529 | 436 | 571 | 579 | 1328 | 1565 | 212 | 248 | 32 | 1192 | 3159 |
| Fixed Assets | 465 | 472 | 500 | 533 | 605 | 620 | 105 | 393 | 404 | 480 | 566 |
| Other Loans | 720 | 646 | 971 | 1206 | 1365 | 358 | 202 | 272 | 348 | 322 | 334 |
| Other Non Current Assets | 28 | 49 | 29 | 17 | 137 | 119 | 8 | 342 | 623 | 1048 | 1419 |
| Current Assets | 9060 | 9858 | 13095 | 12633 | 18147 | 41191 | 32152 | 32662 | 38664 | 42270 | 47091 |
| Total Assets | 13960 | 15358 | 20221 | 23975 | 35223 | 44104 | 32944 | 34130 | 40356 | 45625 | 52879 |
| #(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 861 | 1398 | 1412 | 1829 | 1629 | 3763 | 272 | 1275 | 1566 | 2643 | 6212 |
| Cash Flow from Operating Activities | -1905 | -63 | -2126 | -54 | -4329 | -10483 | 422 | 1101 | -3587 | 1784 | -4941 |
| Cash Flow from Investing Activities | -329 | 60 | -361 | -671 | -4165 | -374 | 408 | -919 | 236 | -996 | -2730 |
| Cash Flow from Financing Activities | 2776 | 17 | 2904 | 525 | 9094 | 8468 | 20 | 109 | 4428 | 2781 | 5090 |
| Net Cash Inflow / Outflow | 542 | 14 | 417 | -200 | 599 | -2389 | 850 | 290 | 1077 | 3569 | -2581 |
| Closing Cash & Cash Equivalent | 1403 | 1412 | 1829 | 1629 | 2228 | 1374 | 1275 | 1566 | 2643 | 6212 | 3631 |
| # | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 8.96 | 9.12 | 13.89 | 14.85 | 20.9 | 23.84 | 24.18 | 12.88 | 19.49 | 30.39 | 38.3 |
| CEPS(Rs) | 11.95 | 11.78 | 16.77 | 19.07 | 14.16 | 33.12 | 25.18 | 15.64 | 22.22 | 33.52 | 44.94 |
| DPS(Rs) | 1.46 | 2.91 | 2.91 | 4.13 | 4.37 | 4.85 | 4.85 | 2.18 | 2.91 | 3.4 | 3.88 |
| Book NAV/Share(Rs) | 64.04 | 69.75 | 79.77 | 102.66 | 133.71 | 143.96 | 131.85 | 121.75 | 137.72 | 165.03 | 229.32 |
| Net Profit Margin | 10.51 | 10.33 | 13.41 | 14.05 | 14.27 | 16.15 | 15.99 | 10.39 | 13.03 | 17.33 | 19.46 |
| Operating Margin | 48.26 | 56.32 | 61.07 | 64.09 | 78.39 | 66.09 | 74.79 | 64.78 | 62.38 | 66.34 | 64.87 |
| PBT Margin | 15.06 | 14.88 | 20.38 | 21.33 | 21.47 | 22.91 | 22.7 | 14.97 | 17.21 | 22.41 | 25.58 |
| ROA(%) | 2.29 | 1.99 | 2.68 | 2.51 | 1.51 | 2.57 | 2.07 | 1.5 | 2.04 | 2.76 | 3.26 |
| ROE(%) | 15.16 | 14.31 | 20.38 | 18.84 | 11.6 | 22.42 | 17.56 | 11.1 | 15.04 | 20.1 | 20.83 |
| ROCE(%) | 13.33 | 13.15 | 14.54 | 13.89 | 10.25 | 12.33 | 10.65 | 9.91 | 10.39 | 11.39 | 11.8 |
| Price/Earnings(x) | 6.54 | 8.36 | 12.5 | 13.5 | 18.57 | 28.67 | 17.37 | 5.61 | 14 | 9.11 | 12.38 |
| Price/Book(x) | 0.91 | 1.09 | 2.18 | 1.95 | 2.9 | 4.75 | 3.19 | 0.59 | 1.98 | 1.68 | 2.07 |
| Dividend Yield(%) | 2.49 | 3.82 | 1.68 | 2.06 | 1.13 | 0.71 | 1.16 | 3.02 | 1.07 | 1.23 | 0.82 |
| EV/Net Sales(x) | 3.75 | 4.05 | 5.17 | 5.28 | 10.59 | 8.49 | 7.59 | 5.64 | 6.53 | 5.6 | 6.34 |
| EV/Core EBITDA(x) | 7.29 | 6.9 | 8.24 | 8.02 | 13.43 | 12.62 | 10.35 | 8.42 | 10.17 | 8.22 | 9.5 |
| Interest Earned Growth(%) | 41.44 | 6.16 | 25.84 | 11.29 | -20.6 | 101.45 | -21.25 | -2.68 | 20.55 | 17.38 | 20.48 |
| Net Profit Growth | 105.28 | 4.31 | 63.48 | 16.56 | -19.36 | 127.95 | -22.04 | -36.73 | 51.11 | 56.18 | 35.29 |
| EPS Growth(%) | 101.76 | 1.83 | 52.35 | 6.88 | 40.75 | 14.06 | 1.44 | -46.72 | 51.27 | 55.96 | 26.02 |
| Interest Coverage(x) % | 1.45 | 1.36 | 1.5 | 1.5 | 1.38 | 1.53 | 1.44 | 1.3 | 1.38 | 1.51 | 1.65 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 24.93 | 24.91 | 24.9 | 24.9 | 24.88 | 24.85 | 24.84 | 24.81 | 24.79 | 24.78 |
| FII | 21.12 | 20.66 | 23.05 | 25.57 | 27.79 | 28.09 | 28.64 | 28.31 | 31.27 | 29.13 |
| DII | 0.8 | 1.04 | 2.7 | 3.41 | 3.9 | 4.04 | 5.54 | 7.3 | 8.27 | 8.6 |
| Public | 53.16 | 53.39 | 49.34 | 46.12 | 43.42 | 43.02 | 40.98 | 39.58 | 35.67 | 37.48 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 | 9.45 |
| FII | 8.01 | 7.84 | 8.75 | 9.71 | 10.56 | 10.69 | 10.9 | 10.79 | 11.92 | 11.12 |
| DII | 0.3 | 0.39 | 1.03 | 1.3 | 1.48 | 1.54 | 2.11 | 2.78 | 3.15 | 3.28 |
| Public | 20.16 | 20.27 | 18.74 | 17.52 | 16.5 | 16.36 | 15.6 | 15.08 | 13.6 | 14.3 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 37.93 | 37.96 | 37.97 | 37.98 | 37.99 | 38.04 | 38.06 | 38.11 | 38.13 | 38.15 |
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