IIFL Finance Ltd

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

IIFL Finance Ltd

₹ 408 0.21%
23 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 ₹ 17,323 Cr.
  • Current Price ₹ 408
  • High / Low ₹ 651 / 304
  • Stock P/E 11.4
  • Book Value ₹ 285
  • Dividend Yield 0.98 %
  • ROCE 11.8 %
  • ROE 17.8 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 19.4% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.

* 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 250 SmallCap Index Nifty Smallcap 100 BSE Financial Services BSE Allcap BSE 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 1,668 1,798 1,873 1,931 2,026 2,121 2,187 2,301 2,478 2,648 2,854 2,613 2,572
Interest 744 773 773 776 776 809 861 888 932 988 1,074 1,034 979
568 646 707 731 709 740 779 822 877 945 1,244 1,109 1,105
Financing Profit 356 379 393 424 541 571 547 591 670 715 536 470 488
Financing Margin % 21% 21% 21% 22% 27% 27% 25% 26% 27% 27% 19% 18% 19%
46 45 60 44 25 24 89 69 57 46 68 12 -582
Depreciation 30 30 33 34 37 39 42 42 43 45 50 46 46
Profit before tax 372 394 420 434 529 555 594 618 684 716 554 436 -140
Tax % 22% 21% 24% 24% 25% 24% 23% 24% 23% 24% 22% 22% -33%
292 310 321 330 397 423 458 473 526 545 431 338 -93
EPS in Rs 6.92 7.35 7.61 7.81 8.99 8.96 9.76 10.06 11.20 11.58 8.81 6.79 -3.72
Gross NPA % 2.30% 2.79% 3.15% 2.60% 2.42% 2.08% 1.84% 1.84% 1.84% 1.71% 2.32% 2.25% 2.35%
Net NPA % 1.10% 1.47% 1.83% 1.15% 1.22% 1.06% 1.08% 1.06% 1.02% 0.87% 1.20% 1.11% 1.06%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 2,658 2,822 3,551 3,952 3,163 6,405 4,978 4,847 5,968 6,991 8,444 10,471 10,688
Interest 1,000 1,169 1,445 1,690 1,786 2,730 2,593 2,413 2,638 3,011 3,245 3,911 4,076
1,181 1,178 1,319 1,362 689 2,221 1,435 1,682 2,239 2,355 2,936 3,827 4,402
Financing Profit 477 475 787 900 689 1,454 950 752 1,090 1,625 2,263 2,734 2,210
Financing Margin % 18% 17% 22% 23% 22% 23% 19% 16% 18% 23% 27% 26% 21%
7 13 -4 8 375 61 212 79 20 32 2 19 -456
Depreciation 84 68 59 66 16 67 32 106 106 122 153 181 188
Profit before tax 400 420 724 843 1,048 1,448 1,130 725 1,005 1,536 2,113 2,572 1,567
Tax % 30% 31% 34% 34% 22% 30% 30% 31% 24% 23% 24% 23%
279 291 476 555 822 1,021 796 503 761 1,188 1,608 1,974 1,221
EPS in Rs 8.30 8.45 12.98 14.53 19.42 22.42 22.40 11.94 18.06 28.16 35.49 41.60 23.46
Dividend Payout % 33% 32% 21% 26% 21% 20% 20% 17% 15% 11% 10% 9%
Compounded Sales Growth
10 Years: 14%
5 Years: 16%
3 Years: 21%
TTM: 18%
Compounded Profit Growth
10 Years: 20%
5 Years: 19%
3 Years: 32%
TTM: -10%
Stock Price CAGR
10 Years: 19%
5 Years: 24%
3 Years: 16%
1 Year: -27%
Return on Equity
10 Years: 17%
5 Years: 17%
3 Years: 19%
Last Year: 18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 1,900 2,093 2,496 3,289 4,318 4,679 4,290 4,684 5,312 6,388 8,916 10,561 12,019
9,575 10,516 14,639 15,948 24,330 34,326 26,517 27,996 32,583 36,086 40,017 47,161 40,033
1,570 1,846 2,221 3,566 5,049 5,426 2,368 1,617 2,696 3,360 3,993 4,622 3,236
Total Liabilities 13,104 14,514 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,420 55,372
465 472 500 533 656 871 369 607 675 775 862 905 928
CWIP 14 24 10 6 71 110 7 2 7 6 28 52 58
Investments 1,129 1,012 1,283 1,867 4,153 2,150 212 770 32 1,192 3,511 4,059 3,839
11,496 13,006 17,624 20,461 28,881 41,365 32,651 32,994 39,954 43,937 48,602 57,403 50,547
Total Assets 13,104 14,514 19,418 22,866 33,761 44,495 33,239 34,373 40,667 45,910 53,002 62,420 55,372

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,905 -63 -2,126 -54 -4,329 -10,483 422 1,101 -3,587 1,784 -5,225 -5,848
-333 60 -361 -671 -2,602 -374 562 -919 236 -996 -2,716 -1,356
2,776 17 2,904 525 9,094 8,468 20 109 4,428 2,781 5,361 6,042
Net Cash Flow 538 14 417 -200 2,162 -2,389 1,004 290 1,077 3,569 -2,580 -1,162

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 15% 14% 19% 17% 18% 17% 16% 11% 15% 20% 19% 18%

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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