IIFL Finance Limited Logo

IIFL Finance Limited

IIFL.NS

(3.5)
Stock Price

495,95 INR

3.05% ROA

18.62% ROE

14.63x PER

Market Cap.

237.989.754.832,00 INR

411.35% DER

0.62% Yield

32.28% NPM

IIFL Finance Limited Stock Analysis

IIFL Finance Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

IIFL Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (21.45%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

6 ROA

The stock's ROA (2.88%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (2.39x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (2.516) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (411%), making it financially unstable and potentially risky for investors.

11 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

IIFL Finance Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

IIFL Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

IIFL Finance Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

IIFL Finance Limited Revenue
Year Revenue Growth
2004 757.262.692
2005 2.134.113.717 64.52%
2006 4.160.858.766 48.71%
2007 10.201.213.844 59.21%
2008 9.606.620.743 -6.19%
2009 11.228.960.445 14.45%
2010 14.720.403.486 23.72%
2011 18.792.807.195 21.67%
2012 15.674.994.067 -19.89%
2013 15.718.395.732 0.28%
2014 20.510.951.934 23.37%
2015 22.210.140.000 7.65%
2016 27.246.760.000 18.49%
2017 19.592.790.000 -39.07%
2018 25.330.500.000 22.65%
2019 23.487.360.000 -7.85%
2020 33.275.180.000 29.41%
2021 38.888.070.000 14.43%
2022 42.902.900.000 9.36%
2023 57.892.000.000 25.89%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

IIFL Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 5.883.863
2005 10.575.854 44.37%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

IIFL Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 39.532.216
2005 138.507.163 71.46%
2006 271.890.460 49.06%
2007 572.434.612 52.5%
2008 666.601.222 14.13%
2009 667.044.931 0.07%
2010 2.593.903.423 74.28%
2011 1.095.550.653 -136.77%
2012 1.985.004.966 44.81%
2013 1.641.803.311 -20.9%
2014 1.579.925.870 -3.92%
2015 1.555.890.000 -1.54%
2016 1.521.030.000 -2.29%
2017 922.670.000 -64.85%
2018 1.735.890.000 46.85%
2019 1.768.560.000 1.85%
2020 1.040.020.000 -70.05%
2021 1.485.570.000 29.99%
2022 2.295.300.000 35.28%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

IIFL Finance Limited EBITDA
Year EBITDA Growth
2004 302.964.924
2005 868.757.013 65.13%
2006 1.412.336.362 38.49%
2007 3.691.346.959 61.74%
2008 2.797.511.838 -31.95%
2009 4.352.522.647 35.73%
2010 6.031.596.620 27.84%
2011 7.840.500.707 23.07%
2012 13.146.419.671 40.36%
2013 16.012.326.890 17.9%
2014 21.634.059.610 25.99%
2015 25.180.400.000 14.08%
2016 32.009.470.000 21.33%
2017 30.822.370.000 -3.85%
2018 11.288.330.000 -173.05%
2019 7.235.410.000 -56.02%
2020 10.040.920.000 27.94%
2021 15.356.200.000 34.61%
2022 20.052.700.000 23.42%
2023 27.020.400.000 25.79%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

IIFL Finance Limited Gross Profit
Year Gross Profit Growth
2004 519.129.051
2005 1.571.391.159 66.96%
2006 3.243.015.602 51.55%
2007 8.031.459.754 59.62%
2008 7.539.048.380 -6.53%
2009 9.553.075.034 21.08%
2010 12.567.726.760 23.99%
2011 18.792.807.195 33.12%
2012 15.674.994.067 -19.89%
2013 15.718.395.732 0.28%
2014 20.510.951.934 23.37%
2015 22.210.140.000 7.65%
2016 27.246.760.000 18.49%
2017 19.592.790.000 -39.07%
2018 25.330.500.000 22.65%
2019 23.487.360.000 -7.85%
2020 33.275.180.000 29.41%
2021 38.888.070.000 14.43%
2022 42.902.900.000 9.36%
2023 57.892.000.000 25.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

IIFL Finance Limited Net Profit
Year Net Profit Growth
2004 216.821.934
2005 489.264.914 55.68%
2006 756.156.031 35.3%
2007 1.598.769.431 52.7%
2008 1.448.197.838 -10.4%
2009 2.319.883.839 37.57%
2010 2.111.381.822 -9.88%
2011 1.360.735.387 -55.16%
2012 2.793.350.825 51.29%
2013 2.780.793.440 -0.45%
2014 4.473.244.893 37.83%
2015 5.111.760.000 12.49%
2016 6.860.890.000 25.49%
2017 9.113.240.000 24.72%
2018 6.906.920.000 -31.94%
2019 5.018.300.000 -37.63%
2020 7.601.180.000 33.98%
2021 11.878.930.000 36.01%
2022 15.003.000.000 20.82%
2023 18.970.400.000 20.91%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

IIFL Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 2
2005 2 50%
2006 3 33.33%
2007 6 50%
2008 5 -20%
2009 8 37.5%
2010 7 -14.29%
2011 5 -75%
2012 9 55.56%
2013 9 0%
2014 15 35.71%
2015 16 12.5%
2016 22 23.81%
2017 29 25%
2018 18 -55.56%
2019 13 -38.46%
2020 20 35%
2021 31 35.48%
2022 39 20.51%
2023 50 20.41%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

IIFL Finance Limited Free Cashflow
Year Free Cashflow Growth
2004 -487.357.301
2005 -1.385.835.531 64.83%
2006 -164.397.302 -742.98%
2007 -7.261.596.434 97.74%
2008 3.588.036.920 302.38%
2009 -6.858.343.775 152.32%
2010 -11.403.972.096 39.86%
2011 -19.817.825.997 42.46%
2012 -18.109.996.294 -9.43%
2013 -1.357.600.328 -1233.97%
2014 -22.109.197.188 93.86%
2015 -1.308.240.000 -1590%
2016 -26.333.070.000 95.03%
2017 -100.712.680.000 73.85%
2018 2.599.620.000 3974.13%
2019 9.486.900.000 72.6%
2020 -36.268.820.000 126.16%
2021 16.829.530.000 315.51%
2022 -52.015.500.000 132.35%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

IIFL Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -452.063.053
2005 -1.146.863.666 60.58%
2006 387.702.034 395.81%
2007 -5.404.765.155 107.17%
2008 4.643.516.962 216.39%
2009 -4.803.203.381 196.68%
2010 -10.445.525.745 54.02%
2011 -18.533.175.076 43.64%
2012 -17.712.768.900 -4.63%
2013 -631.989.383 -2702.7%
2014 -21.262.478.846 97.03%
2015 -540.920.000 -3830.8%
2016 -23.633.950.000 97.71%
2017 -100.226.730.000 76.42%
2018 3.280.770.000 3154.98%
2019 10.051.540.000 67.36%
2020 -35.905.770.000 127.99%
2021 17.837.270.000 301.3%
2022 -49.405.600.000 136.1%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

IIFL Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2004 35.294.248
2005 238.971.865 85.23%
2006 552.099.336 56.72%
2007 1.856.831.279 70.27%
2008 1.055.480.042 -75.92%
2009 2.055.140.394 48.64%
2010 958.446.351 -114.42%
2011 1.284.650.921 25.39%
2012 397.227.394 -223.4%
2013 725.610.945 45.26%
2014 846.718.342 14.3%
2015 767.320.000 -10.35%
2016 2.699.120.000 71.57%
2017 485.950.000 -455.43%
2018 681.150.000 28.66%
2019 564.640.000 -20.63%
2020 363.050.000 -55.53%
2021 1.007.740.000 63.97%
2022 2.609.900.000 61.39%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

IIFL Finance Limited Equity
Year Equity Growth
2004 522.473.627
2005 1.942.585.934 73.1%
2006 3.250.894.975 40.24%
2007 17.709.013.215 81.64%
2008 15.447.166.184 -14.64%
2009 16.048.979.784 3.75%
2010 16.644.200.918 3.58%
2011 17.541.988.114 5.12%
2012 19.586.770.642 10.44%
2013 21.518.402.223 8.98%
2014 25.576.898.263 15.87%
2015 29.199.650.000 12.41%
2016 43.814.190.000 33.36%
2017 50.656.730.000 13.51%
2018 43.675.130.000 -15.99%
2019 47.656.120.000 8.35%
2020 53.934.240.000 11.64%
2021 64.697.250.000 16.64%
2022 102.021.400.000 36.58%
2023 112.186.200.000 9.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

IIFL Finance Limited Assets
Year Assets Growth
2004 1.572.116.465
2005 6.571.059.463 76.08%
2006 8.094.572.834 18.82%
2007 32.409.178.578 75.02%
2008 28.488.506.528 -13.76%
2009 47.327.407.375 39.81%
2010 61.736.365.467 23.34%
2011 94.991.777.835 35.01%
2012 131.047.050.224 27.51%
2013 145.740.018.354 10.08%
2014 193.662.036.304 24.75%
2015 228.765.470.000 15.34%
2016 337.626.970.000 32.24%
2017 437.033.160.000 22.75%
2018 332.450.860.000 -31.46%
2019 343.410.740.000 3.19%
2020 406.669.150.000 15.56%
2021 459.101.750.000 11.42%
2022 514.636.600.000 10.79%
2023 553.464.900.000 7.02%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

IIFL Finance Limited Liabilities
Year Liabilities Growth
2004 1.049.642.838
2005 4.628.473.529 77.32%
2006 4.843.677.859 4.44%
2007 14.584.652.234 66.79%
2008 9.916.746.118 -47.07%
2009 31.096.277.301 68.11%
2010 44.782.001.706 30.56%
2011 77.132.276.902 41.94%
2012 111.122.677.427 30.59%
2013 123.793.434.520 10.24%
2014 165.440.466.487 25.17%
2015 187.807.610.000 11.91%
2016 281.260.550.000 33.23%
2017 371.373.540.000 24.26%
2018 288.775.730.000 -28.6%
2019 295.754.620.000 2.36%
2020 352.734.910.000 16.15%
2021 394.404.500.000 10.57%
2022 412.615.200.000 4.41%
2023 441.278.700.000 6.5%

IIFL Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
131.52
Net Income per Share
44.38
Price to Earning Ratio
14.63x
Price To Sales Ratio
4.75x
POCF Ratio
-13017.84
PFCF Ratio
-12525.78
Price to Book Ratio
2.5
EV to Sales
12.05
EV Over EBITDA
25.29
EV to Operating CashFlow
-31774
EV to FreeCashFlow
-31774
Earnings Yield
0.07
FreeCashFlow Yield
-0
Market Cap
237,99 Bil.
Enterprise Value
603,71 Bil.
Graham Number
509.72
Graham NetNet
-1045.32

Income Statement Metrics

Net Income per Share
44.38
Income Quality
-0
ROE
0.19
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.69
EBT Per Ebit
1.1
Ebit per Revenue
0.42
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
0.31
Operating Profit Margin
0.42
Pretax Profit Margin
0.47
Net Profit Margin
0.32

Dividends

Dividend Yield
0.01
Dividend Yield %
0.62
Payout Ratio
0
Dividend Per Share
4

Operating Metrics

Operating Cashflow per Share
-0.05
Free CashFlow per Share
-0.05
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.03
Days Sales Outstanding
10.89
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
33.52
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
110,15
Book Value per Share
260,17
Tangible Book Value per Share
294.43
Shareholders Equity per Share
260.17
Interest Debt per Share
1161.83
Debt to Equity
4.11
Debt to Assets
0.74
Net Debt to EBITDA
15.32
Current Ratio
19.59
Tangible Asset Value
112,16 Bil.
Net Current Asset Value
-397,82 Bil.
Invested Capital
4.11
Working Capital
41,24 Bil.
Intangibles to Total Assets
0
Average Receivables
3,81 Bil.
Average Payables
2,10 Bil.
Average Inventory
0
Debt to Market Cap
1.71

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

IIFL Finance Limited Dividends
Year Dividends Growth
2006 3
2007 3 0%
2008 6 50%
2009 4 -50%
2010 2 -300%
2011 3 66.67%
2012 2 -200%
2013 3 66.67%
2014 6 50%
2016 1 -500%
2017 5 75%
2018 5 20%
2019 5 0%
2020 2 -150%
2021 3 33.33%
2022 4 0%
2023 4 25%

IIFL Finance Limited Profile

About IIFL Finance Limited

IIFL Finance Limited provides various financial products and services in India and internationally. It offers home, personal, and gold loans; business loans, including loans against property, medium and small enterprise financing, micro finance, developer and construction finance, real estate finance, and capital market finance; and digital finance. The company also provides wealth and asset management services; and demat account, futures and options, and commodity trading services. It serves retail and corporate customers. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.

CEO
Mr. Rajamani Venkataraman B.T
Employee
14.937
Address
802, Hubtown Solaris
Mumbai, 400069

IIFL Finance Limited Executives & BODs

IIFL Finance Limited Executives & BODs
# Name Age
1 Mr. Shivalingam A. Pillai
Chief Compliance Officer
70
2 Ms. Richa Sachdeva Chatterjee
President & Chief Human Resources Officer
70
3 Mr. Ashish Avasthy
Head of Legal
70
4 Mr. Vipul Oberoi
Chief Marketing Officer
70
5 Mr. Sripathi Venu
Chief Administrative Officer
70
6 Mr. Aditya Pratap Singh Sisodia
Chief Information Officer & Chief Technology Officer
70
7 Mr. Nipun Goel
President of Investment Banking
70
8 Mr. Rajamani Venkataraman B.Tech, MBA
Joint MD & Executive Director
70
9 Mr. Nirmal Bhanwarlal Jain BCom, CA, ICWA, MBA
Founder, MD & Executive Director
70
10 Mr. Kapish Jain
Head of IR & Chief Financial Officer
70

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