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IIFL Finance Q2 FY27 Share Price & Earnings Call Analysis

₹527.65-6.15% today
Market cap
₹22,539 Cr
P/E
9.05
ROE
12.61%
PEG
2.62
Price to sales
1.47
Debt to equity
5.47
52W high / low
₹696 / ₹419
Sales growth (5Y)
17.50%
EBITDA margin
68.03%
Net profit margin
13.58%
Promoter holding
24.76%
Sales (last year)
₹15,286 Cr

IIFL Finance Ltd is a diversified NBFC in India engaged in the business of loans and mortgages along with its subsidiaries. It offers offering diversified loan products, including home, gold, MSME, microfinance, and capital market finance.[1]

Guidance scorecard · Q2 FY27 call

What IIFL Finance Ltd's management guided
and where it ranks in Finance

#18of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookWhat management said

RevenueQ2 FY27 call

20–40%
  • Home finance/AUM growth expected around 18%-20% year-on-year, with Q2 showing 8% growth after two quarters and disbursement growth catching up strongly.
  • Gold loan business tonnage is increasing due to market expansion, new branches, and increased customer acquisition; positive tonnage growth noted.
  • Microfinance disbursement monthly run rate projected to rise from ~550 in September to ~800 in October, targeting ~1,000 per month by Feb-March.
  • Home finance disbursements grew 64% in H1FY27; loan assets growing steadily.

2 more points from IIFL Finance Ltd's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

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

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • The company is planning an equity capital raise in the near term to strengthen the balance sheet, with board and shareholder approval already obtained. The expected dilution from this fundraise is in the range of 10% to 20%.
  • No capital raise is currently planned for subsidiary companies (like Samasta and home finance), as they have adequate capital adequacy.
  • Focus remains on capital-efficient growth leveraging co-lending relationships, where 34% of the loan assets are off-book.

2 more points from IIFL Finance Ltd's call on capex

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Full Q2 FY27 analysis

FundraisingQ2 FY27 call

Planned

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

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Ask what IIFL Finance Ltd said on the order book →

Full Q2 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does IIFL Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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IIFL Finance Ltd announcements

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Financials of IIFL Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

IIFL Finance Ltd

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +24.80%24.78%24.92%24.91%24.90%24.90%24.86%24.86%24.85%24.84%24.84%24.76%
FIIs +31.27%29.14%30.31%29.64%27.78%28.03%26.62%26.77%27.77%28.16%23.86%25.63%
DIIs +8.27%8.59%7.43%6.25%4.50%5.54%8.09%9.13%9.16%7.09%7.50%7.85%
Public +35.67%37.47%37.35%39.19%42.84%41.54%40.41%39.23%38.20%39.92%43.80%41.75%
No. of Shareholders83,6761,49,3091,45,0731,58,1331,73,5301,69,3741,49,2471,42,8081,34,2741,24,5431,27,6881,22,889

Financials of IIFL Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +2,4782,6492,8542,6212,5562,4432,5912,9533,3053,4273,6923,9194,246
Interest9329851,0631,0429639961,1691,2891,3821,4371,6101,7191,909
Expenses +8779481,2551,1091,1051,3071,0651,2671,3231,2801,1941,2111,203
Financing Profit6707155364704881403573976007108899891,135
Financing Margin %27%27%19%18%19%6%14%13%18%21%24%25%27%
Other Income +57466812-58263645732
Depreciation43455046464651474753646363
Profit before tax684716554436-1401013093565576638339291,074
Tax %23%24%22%22%-33%19%19%23%25%24%25%23%25%
Net Profit +526545431338-9382251274418501623713805
EPS in Rs11.2011.588.816.79-3.720.964.895.498.8610.9213.8015.8717.96
Gross NPA %1.84%1.71%2.32%2.25%2.35%2.42%2.23%2.34%2.14%1.60%1.46%1.55%
Net NPA %1.02%0.87%1.20%1.11%1.06%1.01%1.05%1.13%1.02%0.75%0.73%0.82%

Financials of IIFL Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +3,5513,9523,1636,4054,9784,8475,9686,9918,44410,47210,23313,36615,286
Interest1,4451,6901,7862,7302,5932,4132,6383,0113,2453,8964,1965,7366,675
Expenses +1,3191,3626892,2211,4351,6822,2392,3552,9363,8424,5595,0184,887
Financing Profit7879006891,4549507521,0901,6252,2632,7341,4782,6123,723
Financing Margin %22%23%22%23%19%16%18%23%27%26%14%20%24%
Other Income +-4837561212792032218-583717
Depreciation5966166732106106122153181189211243
Profit before tax7248431,0481,4481,1307251,0051,5362,1132,5727072,4093,498
Tax %34%34%22%30%30%31%24%23%24%23%18%25%
Net Profit +4765558221,0217965037611,1881,6081,9745781,8172,643
EPS in Rs12.9814.5319.4222.4222.4011.9418.0628.1635.4941.608.9239.0558.55
Dividend Payout %21%26%21%20%20%17%15%11%10%9%0%10%

Financials of IIFL Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital62636464647676767676858585
Reserves2,4963,2894,3184,6794,2904,6845,3126,3888,91610,56112,32713,83515,347
Borrowing14,63915,94824,33034,32626,51727,99632,58336,08640,01747,13651,06869,17684,360
Other Liabilities +2,2213,5665,0495,4262,3681,6172,6963,3603,9934,6304,1645,8914,681
Total Liabilities19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64488,987104,474
Fixed Assets +5005336568713696076757758629051,4871,5141,583
CWIP106711107276285223615
Investments1,2831,8674,1532,150212770321,1923,5114,0594,4386,0926,183
Other Assets +17,62420,46128,88141,36532,65132,99439,95443,93748,60257,38761,69681,37596,693
Total Assets19,41822,86633,76144,49533,23934,37340,66745,91053,00262,40367,64488,987104,474

Financials of IIFL Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-2,126-54-4,329-10,4834221,101-3,5871,784-5,225-8,716-4,781-13,976
Cash from Investing Activity +-361-671-2,602-374562-919236-996-2,716468-1,149-2,606
Cash from Financing Activity +2,9045259,0948,468201094,4282,7815,3617,0885,52617,843
Net Cash Flow417-2002,162-2,3891,0042901,0773,569-2,580-1,160-4031,262
Free Cash Flow-2,211-131-4,343-10,6543551,052-3,6211,684-5,484-8,804-4,839-14,056

Financials of IIFL Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %19%17%18%17%16%11%15%20%19%18%5%13%

Guidance history

How IIFL Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%FlatPlannedPlanned—
Q1 FY27 call →10–20%FlatPlannedPlannedRising
Q4 FY26 call →20–40%FlatPlannedPlannedRising
Q3 FY26 call →20–40%Flat—None planned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

30out of 100

Momentum score · price trend

30 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−2.6%59%
Last 6 months+15.0%72%
Last 3 months−13.3%36%

The price is 24.2% below its all-time high of ₹696.4 (24 Aug 2026). Stocks more than 20% below their peak have their score halved, so 60 became 30.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For IIFL Finance Ltd: 0.4 × 59 + 0.4 × 72 + 0.2 × 36 = 60, halved to 30 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What IIFL Finance Ltd's management said in earlier quarters

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