IIFL Finance Ltd.

NSE: IIFL

NIFTY500

Analyst consensus:Strongly constructive· 4 analysts

₹525.15+11.4%1Y

Last updated 02:54:36 IST· Public market feed (~15 min delay during market hours)

IIFL Finance Ltd.: A 30-second snapshot

IIFL Finance trades at ₹450.35 with a trailing PE of 11.62 and a forward PE of 6.72, sitting below both its 50-DMA (₹462.46) and 200-DMA (₹502.64) and 32.79% off its 52-week high. The company carries a debt-to-equity of 446.24, has reported zero FCF-positive years in available history, and revenue has contracted at a -14.1% 5-year CAGR. Analyst coverage is thin at 4 analysts with a mean rating of 1.5 on a 1–5 scale (lower = more constructive).

P/E

11.6

Forward P/E

6.7

ROE

+12.3%

Debt / Equity

446.24

Profit Margin

+21.7%

Div. Yield

+0.9%

5Y ROE > 15%

2/5

5Y FCF > 0

0/5

Quality

43/100

Recent context

·No recent news articles were retrieved for IIFL, so event-driven context — regulatory actions, earnings announcements, management changes — is not available in this analysis.
·IIFL Finance has historically operated under regulatory scrutiny from the RBI; the absence of news data means any recent regulatory developments are not reflected here and should be verified independently.
·The 5-year earnings growth of 183.1% alongside negative revenue growth points to a period of restructuring or provisioning normalisation rather than organic expansion, context that is relevant to interpreting current profitability metrics.

Strengths

+Forward PE of 6.72 is the lowest among the 6 Banking-sector peers tracked, which include Bajaj Finance (29.83) and HDFC Bank (16.81), indicating compressed valuation relative to the peer group.
+Trailing PE of 11.62 ranks 1st of 6 peers on PE, placing IIFL at the lowest earnings multiple in the comparison set.
+5-year reported earnings growth of 183.1% reflects a sharp recovery from a prior trough, with profit margin currently at 21.69%.
+Quality score of 50 ranks 3rd of 6 among Banking peers, ahead of Bajaj Finserv (23), Bajaj Finance (53 tied), and HDFC Life (20).

Weaknesses

−D/E of 446.24 is structurally the highest in the peer set; combined with a rising debt trend and zero FCF-positive years in available history, funding-cost and refinancing risk is materially elevated.
−Revenue has contracted at a -14.1% 5-year CAGR — the top line has shrunk substantially over the medium term, which limits the durability of the earnings recovery narrative.
−ROE of 12.29% ranks last (5th of 5 peers with available ROE data) and has exceeded 15% in only 2 of the available historical years; consistency score of 23/100 reflects low fundamental durability.
−Price is 32.79% below its 52-week high, below both the 50-DMA and 200-DMA, and down 12.7% over the past 3 months, reflecting sustained price deterioration.

Open questions

?Does the 183.1% 5-year earnings growth reflect a genuine operational turnaround, or is it primarily a statistical recovery from an abnormally depressed base year — and how do the absolute profit-level trends compare?
?Given D/E of 446.24 and zero FCF-positive years, how dependent is the business on continued access to wholesale funding markets, and how has the cost of that funding trended over recent reporting periods?
?With revenue contracting at -14.1% over 5 years, which business segments have driven the decline, and is the forward PE compression of 6.72 (vs trailing 11.62) based on analyst assumptions about a revenue recovery?
?How does IIFL Finance's regulatory standing with the RBI currently compare to peers, given past incidents of RBI action, and what conditions or timelines are associated with any outstanding restrictions?

Peer comparison: Banking

Ranks 3 of 6 on quality

Symbol	Name	P/E	ROE	Quality
IIFL	IIFL Finance Ltd.You're viewing	11.6	+12.3%	50
Industry avg	across 5 peers	32.1	+14.2%	39
AXISBANK	Axis Bank Ltd.	15.0	+13.2%	53
BAJFINANCE	Bajaj Finance Ltd.	29.8	+17.9%	53
HDFCBANK	HDFC Bank Ltd.	16.8	+13.8%	47
BAJAJFINSV	Bajaj Finserv Ltd.	29.6	+14.6%	23
HDFCLIFE	HDFC Life Insurance Company Ltd.	69.1	+11.3%	20

Technical state

Current price

₹450.35

SMA 50

₹462.46

SMA 200

₹502.64

RSI (14)

47.5 (neutral)

From 52w high

-32.8%

1Y return

+25.7%

3M return

-12.7%

50-DMA

Below

200-DMA

Below

Algorithmic support levels

₹421.05

₹409.10

Algorithmic resistance levels

₹473.50

₹483.80

₹491.80

Risk flags

high
Debt-to-equity of 446.24 is extremely elevated; while high leverage is structurally normal for NBFCs, this ratio exceeds the peer median (HDFC Bank D/E ~7–8x) by a wide margin and warrants scrutiny of funding-cost sensitivity.
high
FCF positive years: 0 of available history — IIFL has not generated positive free cash flow in any reported year, indicating persistent capital consumption.
high
Revenue has contracted at a 5-year CAGR of -14.1%, pointing to a material shrinkage in the top line over the medium term despite a reported 5-year earnings growth of 183.1% (likely a base-effect recovery from a loss year).
medium
Price is below both the 50-DMA (₹462.46) and 200-DMA (₹502.64), down 32.79% from its 52-week high and -12.7% over the past 3 months.
medium
ROE of 12.29% has been above 15% in only 2 of the available years; consistency score of 23/100 and persistently rising debt trend reflect weak fundamental durability.
low
News section returned 0 articles — no recent sentiment signal is available; assessment relies entirely on fundamental and technical data.
low
IIFL ranks 5th of 6 Banking peers on ROE (12.29% vs Bajaj Finance at 17.91%) and 3rd of 6 on quality score (50), with peer priceChange1Y data unavailable for relative price comparison.

Cross-section contradictions

5-year earnings growth of 183.1% contrasts sharply with 5-year revenue CAGR of -14.1%, suggesting the earnings recovery is likely a base-effect rebound from a trough rather than a sustainable operating expansion.
Stock is up 25.74% over 1 year yet is 32.79% below its 52-week high, indicating a sharp peak-to-current decline even within the same 12-month window — the annual gain and the drawdown coexist because the high was reached early in the period.

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For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.

Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST

AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 May 2026 · rotates through NIFTY 500 every ~5 days