IIFL Finance Q4 FY26 Results & Concall Highlights: Revenue, Margins & Order Book

Published 16 Aug 2026 | Finance | Market Cap: ₹28.9K Cr

IIFL Finance plans 18%-20% growth in Assets Under Management (AUM) for FY27, with related disbursement growth of 25%-27%. Q4 FY26 consolidated profit after tax (PAT) before non-controlling interest was INR 623 crores, up 24% quarter-on-quarter.

From IIFL Finance's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Price

₹679.8

Market Cap

₹28.9K Cr

P/E Ratio

13.8

How does IIFL Finance rank in Finance?

Compare IIFL Finance against every Finance company this quarter on revenue, margins and earnings-call signals.

View Finance leaderboard →

📊 Revenue & Sales Performance

→IIFL Finance plans 18%-20% growth in Assets Under Management (AUM) for FY27, with related disbursement growth of 25%-27%. (Page 16-17)
→Gold loan AUM expected to grow by 20%-25% if gold prices remain stable. (Page 12-13)
→Housing finance loan book growth guidance is 18%-20% for FY27, with disbursements at 25%-27%, focusing on affordable and emerging segments at higher yields (~12%+). (Page 13-14, 16-17)
→Microfinance and micro LAP segments to drive growth, targeting approximately 20% overall growth in MSME loans; average ticket size in microfinance ~INR68,000 and micro LAP ~INR4.8 lakhs. (Page 15-16)
→Branch expansion especially in affordable housing planned with about 100 new branches phased in FY27. (Page 15)
→Co-lending and off-book AUM expected to grow to 40%-45% to support leverage and capital efficiency. (Page 10)

📈 Profitability & Margins

→Q4 FY26 consolidated profit after tax (PAT) before non-controlling interest was INR 623 crores, up 24% quarter-on-quarter.
→Pre-provision operating profit grew 80% year-on-year and 9% quarter-on-quarter to INR 1,173 crores.
→Loan AUM crossed INR 1 lakh crore, showing robust growth driven by gold loans and core products.
→Outlook mentions entering a phase of sustainable, capital-efficient growth on a stronger foundation.
→Focus on growing affordable home loans and microfinance cautiously with improved asset quality.
→Guidance for IIFL Home Finance: 18-20% AUM growth and 25-27% disbursement growth in FY27.
→Cost of borrowing expected to reduce by 100-120 basis points with rating upgrades, potentially improving profitability.
→AI-led productivity initiatives are expected to improve operating efficiency and reduce credit costs.
→Overall positive outlook on earnings growth with improving ROE in housing finance as book growth resumes.

🏗️ Capital Expenditure Plans

The transcript from the provided pages does not explicitly mention any current or future capex, capital investment, or strategic investment plans by IIFL Finance Limited. However, there are some strategic directions and operational focuses highlighted: - Focus on asset quality, capital efficiency, and sustainable growth. - Emphasis on co-lending and off-book partnerships with banks to drive capital-efficient growth. - Investment in AI-led operating models to enhance productivity, underwriting, collections, and risk control. - Potential capital raising mentioned as appropriate to support growth, particularly to address capital adequacy while maintaining leverage around 4.5x. - Demerger plans involving separation into multiple entities (standalone, Home Finance, Samasta), which could be strategic structural changes. No specific capex or strategic investment figures or projects were detailed in the Q4 FY26 call.

💰 Fundraising & Capital Structure

→IIFL Finance plans to grow its business, targeting 20%+ growth.
→Capital adequacy is a key focus area for improving credit ratings.
→To manage capital requirements, the company aims to grow co-lending and off-book assets significantly to around 40-45%.
→Debt capital will continue to be raised periodically as appropriate.
→Equity capital will be raised whenever the timing is right.
→The company is comfortable with a leverage ratio up to 4.5x and can go as high as 6.7x or even 10x based on capital adequacy.
→No fixed timeline is given for any specific equity raise.
→Overall, capital raising (equity and debt) will be strategic and aligned with growth and regulatory requirements.

📋 Order Book & Pipeline

The transcript provided from the IIFL Finance Limited earnings call does not explicitly mention the current or expected order book or pending orders. The discussion primarily revolves around: - Asset under Management (AUM) growth and disbursement outlook in various segments like housing finance, gold loans, and microfinance. - Growth guidance for housing finance: 18%-20% AUM growth and 25%-27% disbursement growth for FY27. - Gold loan growth guidance: expected 20%-25% AUM growth assuming stable gold prices. - Strategy focus areas such as growing co-lending/off-book portfolio and improving profitability and credit ratings. - No specific mention of order book size or pending orders in the provided pages. Therefore, based on the available information, no details on current or expected order book/pending orders are disclosed.

Key Metrics

What IIFL Finance's management said in earlier quarters

Q3 FY26 earnings call analysis →

Others in Finance this season

Aditya Birla Capital Ltd (Q4 FY26)
Life Insurance: Maintaining 23%-24% CAGR in individual business and 26%-27% in group business for next 2-3 years aided by banca expansion (Page 17). Key…
Muthoot Cap.Serv (Q4 FY26)
In-house development of technology for name match, face match, address match, and geodistance monitoring replaced costly API calls, saving INR 3-4 crores…
Rane Holdings Ltd (Q4 FY26)
Aftermarket business (~19% of revenue) has healthier margins, but overall margin improvement driven primarily by OE businesses. Key concall takeaways from Rane…
Aptus Value Hou. (Q4 FY26)
Profit growth momentum evidenced by Q4 FY26 with 26% YoY profit rise; continued emphasis on economic value add and operational efficiency. Key concall…

Compare:vs Bajaj Finance Ltd vs Bajaj Finserv vs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Frequently Asked Questions

What were IIFL Finance Q4 FY26 results?

What is IIFL Finance share price analysis?

IIFL Finance currently shows a neutral. The stock trades at a P/E of 13.8 with a market cap of ₹28,917 Cr. Investors should review the full earnings analysis for detailed insights.

Is IIFL Finance planning capital expenditure?

The transcript from the provided pages does not explicitly mention any current or future capex, capital investment, or strategic investment plans by IIFL Finance Limited.

Keep IIFL Finance on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.