IIFL Finance Ltd

IIFL Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

IIFL Finance Ltd

₹ 415 1.59%
24 Dec - close price
indiainfoline.com BSE: 532636 NSE: IIFL
About

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries.
It offers a wide spectrum of products such as Home loan, Gold loan, business loan, microfinance, capital market finance and developer & construction finance, etc.[1]

Key Points

Business Profile
As of FY24, the total AUM stood at Rs. ~76,700 Cr in FY24 vs Rs. ~37,900 Cr in FY20. The company operates ~4,800 branches in FY24 vs ~2,300 branches in FY20. [1][2] It has a customer base of over 80 lakh customers. [3]

Website BSE NSE
  • Market Cap ₹ 17,599 Cr.
  • Current Price ₹ 415
  • High / Low ₹ 651 / 304
  • Stock P/E 45.5
  • Book Value ₹ 152
  • Dividend Yield 0.96 %
  • ROCE 9.95 %
  • ROE 10.7 %
  • Face Value ₹ 2.00
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Pros

  • Company has been maintaining a healthy dividend payout of 20.9%
  • Company's median sales growth is 19.6% of last 10 years

Cons

  • Stock is trading at 2.74 times its book value
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.41% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE Diversified Financials Revenue Growth Index (I Nifty MidSmallcap 400 BSE 250 SmallCap Index Nifty 500 Multicap 50:25:25 BSE 400 MidSmallCap Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 1,023 1,169 1,070 963 1,040 985 1,070 1,012 1,057 1,159 1,386 1,012 999
Interest 409 420 385 368 353 365 370 388 408 438 484 430 403
350 430 383 362 364 377 361 401 455 516 704 583 572
Financing Profit 264 319 303 233 322 243 339 223 194 205 197 -1 24
Financing Margin % 26% 27% 28% 24% 31% 25% 32% 22% 18% 18% 14% -0% 2%
6 7 10 6 2 1 22 10 18 4 12 3 -582
Depreciation 26 27 29 28 31 32 34 32 32 33 38 33 33
Profit before tax 244 300 284 210 293 212 327 201 181 177 172 -31 -591
Tax % 24% 25% 19% 25% 25% 25% 18% 25% 24% 25% 4% -27% -25%
185 226 231 157 220 159 269 151 137 132 165 -23 -441
EPS in Rs 4.39 5.37 5.47 3.72 5.22 3.77 6.37 3.58 3.23 3.11 3.89 -0.53 -10.40
Gross NPA % 1.67% 2.90% 1.59% 1.40% 1.25% 1.29% 1.36% 1.65% 1.43% 3.66% 3.05% 2.93%
Net NPA % 1.63% 0.88% 0.64% 0.66% 0.64% 0.70% 0.85% 0.67% 1.90% 1.48% 1.32%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 550 89 110 211 143 260 2,953 2,652 3,415 4,083 4,086 4,631 4,556
Interest 22 0 4 6 0 5 1,370 1,251 1,559 1,625 1,460 1,718 1,755
409 6 4 14 2 17 1,060 1,099 1,412 1,408 1,462 2,066 2,375
Financing Profit 119 83 101 191 141 238 523 303 444 1,050 1,164 846 426
Financing Margin % 22% 93% 92% 90% 99% 91% 18% 11% 13% 26% 28% 18% 9%
1 0 0 -0 16 10 125 23 74 24 3 19 -562
Depreciation 13 0 0 0 0 1 24 89 91 106 125 135 137
Profit before tax 107 83 101 190 157 246 623 237 428 967 1,043 730 -273
Tax % 10% -18% 3% 10% 0% 13% 28% 37% 20% 23% 23% 20%
96 98 98 172 157 215 451 149 343 745 805 585 -167
EPS in Rs 2.92 2.97 2.85 4.89 4.44 6.06 12.72 3.54 8.14 17.67 19.06 13.80 -3.93
Dividend Payout % 92% 91% 95% 78% 91% 74% 35% 57% 33% 18% 19% 26%
Compounded Sales Growth
10 Years: 49%
5 Years: 9%
3 Years: 11%
TTM: 10%
Compounded Profit Growth
10 Years: 19%
5 Years: 9%
3 Years: 24%
TTM: -46%
Stock Price CAGR
10 Years: 19%
5 Years: 25%
3 Years: 16%
1 Year: -25%
Return on Equity
10 Years: 12%
5 Years: 12%
3 Years: 15%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 59 59 62 63 64 64 64 76 76 76 76 76 85
Reserves 1,251 1,264 1,338 1,413 1,436 1,419 3,479 3,532 3,745 4,351 5,039 5,520 6,343
0 0 50 50 50 0 13,031 14,642 16,605 16,574 17,733 20,393 15,593
753 2 19 14 21 18 1,222 1,100 1,785 2,136 1,236 1,599 710
Total Liabilities 2,063 1,325 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,588 22,730
15 1 1 1 2 3 354 554 640 722 773 794 801
CWIP 0 0 0 2 0 0 6 2 7 6 27 52 58
Investments 1,292 1,266 1,378 1,417 1,522 1,419 1,305 1,959 1,204 2,449 3,780 5,157 5,215
755 58 90 120 47 79 16,130 16,836 20,360 19,960 19,504 21,585 16,656
Total Assets 2,063 1,325 1,469 1,540 1,571 1,501 17,795 19,350 22,211 23,136 24,084 27,588 22,730

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
51 -381 125 99 87 55 2,539 109 -795 3,556 -1,756 -1,556
-67 339 -112 -41 52 177 362 -722 459 -927 -1,468 -2,055
-88 -84 28 -96 -134 -217 -2,488 805 1,782 -324 631 2,711
Net Cash Flow -104 -126 41 -38 6 15 414 192 1,446 2,305 -2,594 -900

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 7% 7% 7% 12% 11% 14% 15% 4% 8% 18% 17% 11%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
24.93% 24.91% 24.90% 24.89% 24.88% 24.85% 24.84% 24.81% 24.80% 24.78% 24.92% 24.91%
21.12% 20.66% 23.05% 25.57% 27.79% 28.09% 28.63% 28.31% 31.27% 29.14% 30.31% 29.64%
0.79% 1.04% 2.71% 3.41% 3.90% 4.04% 5.54% 7.30% 8.27% 8.59% 7.43% 6.25%
53.16% 53.39% 49.34% 46.12% 43.43% 43.01% 40.98% 39.59% 35.67% 37.47% 37.35% 39.19%
No. of Shareholders 59,66163,44977,38673,44667,86867,46865,44067,66083,6761,49,3091,45,0731,58,133

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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