IIFL Finance Ltd

Q3 FY26Finance

IIFL Finance Q3 FY26 earnings call: Revenue & Margins

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹680

Market cap₹26.0K Cr

P/E12.4

Updated23 Aug 2026

Read3 min read

The short version

Overall AUM growth expected at 20%-25% for FY '27 across segments (Page 22). AUM (Assets Under Management) growth expected around 20%-25% in FY '27 across segments.

From IIFL Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Overall AUM growth expected at 20%-25% for FY '27 across segments (Page 22).
Home loan segment growth anticipated at 15%-18% (Pages 22, 26).
Disbursements in home loans planned at 24%-25% growth (Page 21).
Gold loan business expected to see strong growth if gold prices remain stable or consolidate (Page 11).
Microfinance segment showing significant asset quality improvement with collection efficiency peaking at 99.56%, aiding growth (Page 22).

2 more points management made on revenue & sales performance

Profitability & Margins

AUM (Assets Under Management) growth expected around 20%-25% in FY '27 across segments.
Home loan segment growth targeted at 15%-18% AUM growth with disbursement growth of 24%-25%.
Credit cost expected to decline further by 50-60 basis points next financial year, targeting below 2%.
ROE internal target set at 18%-20% to be achieved in the next 2-3 years.
Operating expenses normalized after a one-time INR 22.5 crore labor code charge.

2 more points management made on profitability & margins

See what IIFL Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

No capital raising plan has been announced at this stage; the company is monitoring the situation carefully. (Page 7)
The company remains open to raising capital when appropriate; no current urgency for equity issuance. (Page 7)
The company aims to maintain leverage around 4-4.5x and capital adequacy closer to 20%. (Page 7)

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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4₹358 Cr

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5₹1.5L Cr

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

Currently, IIFL Finance Limited has no announced plans for capital raising (equity) as of the call date.
The company is monitoring the situation carefully and remains open to raising capital when appropriate.
Their strategy includes managing leverage around 4-4.5 times and targeting capital adequacy close to 20%; currently, the capital adequacy is slightly lower.
For growth in the gold loan segment, the company intends to rely on co-lending and direct assignment (DA) with banks to sustain growth without immediate equity raise.

2 more points management made on fundraising & capital structure

See what IIFL Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript and document pages do not mention or provide details about the current or expected order book or pending orders for IIFL Finance Limited. The discussion primarily revolves around: - Asset Under Management (AUM) growth expectations (15% for housing loans). - Segment-wise growth including home finance and gold loans. - Capital adequacy and borrowing strategies. - Income tax special audit update. - Changes in gold loan tonnage and book growth. - Asset quality and NPA levels.

2 more points management made on order book & pipeline

What IIFL Finance Ltd's management said in earlier quarters

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Frequently Asked Questions

What were IIFL Finance Ltd Q3 FY26 results?

Overall AUM growth expected at 20%-25% for FY '27 across segments (Page 22). AUM (Assets Under Management) growth expected around 20%-25% in FY '27 across segments.

What is IIFL Finance Ltd share price analysis?

IIFL Finance Ltd currently shows a neutral. The stock trades at a P/E of 12.3 with a market cap of ₹25,957 Cr. Investors should review the full earnings analysis for detailed insights.

Is IIFL Finance Ltd planning capital expenditure?

No capital raising plan has been announced at this stage; the company is monitoring the situation carefully.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.