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IIFL — IIFL FINANCE LIMITED

Structural concernsHeavy debt loadWeak profitabilityInstitutions reducing stake

Price History

Data as of 26 Jun 2026· via fincrux

How IIFL has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Middle of its 12-month range38% of range

Sitting roughly mid-way between its 12-month high and low — neither cheap nor stretched versus its own recent history. It sits right around its 200-day average.

₹416 low₹660 high
vs 50-day avg
+6.3%
vs 200-day avg
+0.4%
Beginner mode
Plain English, with everything explained

IIFL

NSE

IIFL FINANCE LIMITED

Financials / NBFC

₹509.70
0.00%
last close
0%
Quality Score
Several red flagsBig money buying

IIFL FINANCE LIMITED clears only 0 of 3 checks. The numbers flag real concerns — exactly the kind of thing that gets lost in exciting news or social-media buzz. Tread carefully.

Company size
₹22653.00 Cr
Price tag
19.6×
Money it earns
10.3%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Divergent

The company leans heavily on borrowed money, which adds risk if conditions worsen.

D/E 5.18goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 10.3%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Divergent

Professional investors have been reducing their stake recently.

FII+DII 35.3%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and cap…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What IIFL owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings16,57417,73320,36824,87539,157
Equity Capital7676768585
Reserves4,3515,0395,5206,4227,476
Total Assets23,13624,08427,57132,11549,634
Total Liabilities23,13624,08427,57132,11549,634

Loan book expanding

Borrowings have grown over the retained years. For a bank or lender that's the raw material of the business, so judge it alongside profitability, not on its own.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for IIFL — does it earn money consistently?

Potential turnaroundPotential turnaround (pattern in the data)

After one or more loss-making years, the most recent year is back in profit. That's a pattern in the data, not a forecast.

₹745 Cr
₹805 Cr
₹585 Cr
−₹410 Cr
₹1,154 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹4,083 Crrev ₹4,086 Crrev ₹4,631 Crrev ₹4,080 Crrev ₹7,448 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about IIFL — observations, not recommendations.

Strengths

2
  • Large professional investors have been holding steady or adding to their stake.
  • Recent results show a return to profit after weaker years — a turnaround pattern in the data.

Risks

2
  • Profit generated from the money invested has been on the weaker side.
  • Leans heavily on borrowed money, which adds risk if conditions worsen.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
28.2%+1.5 pp
DII· Domestic institutions
7.1%-1.0 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / NBFC score on the same four guardrails.

  • BAJAJFINSVBAJAJ FINSERV LTD.100
  • BAJFINANCEBAJAJ FINANCE LIMITED69
  • CHOLAFINCHOLAMANDALAM IN & FIN CO69
  • SHRIRAMFINSHRIRAM FINANCE LIMITED69
  • PFCPOWER FIN CORP LTD.69
View the full sector