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IIFL

IIFL FinanceNSEI:IIFL Stock Report

Market Cap

₹114.2b

7D

0.7%

1Y

280.8%

Updated

22 Oct, 2021

Data

Company Financials
IIFL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health1/6
Dividends2/6

IIFL Overview

IIFL Finance Limited provides various financial products and services in India and internationally.

IIFL Finance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for IIFL Finance
Historical stock prices
Current Share Price₹296.80
52 Week High₹73.80
52 Week Low₹346.30
Beta1.29
1 Month Change7.01%
3 Month Change4.62%
1 Year Change280.76%
3 Year Change-25.61%
5 Year Change-11.14%
Change since IPO1,801.34%

Recent News & Updates

Oct 18
Here's Why I Think IIFL Finance (NSE:IIFL) Might Deserve Your Attention Today

Here's Why I Think IIFL Finance (NSE:IIFL) Might Deserve Your Attention Today

Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...

Shareholder Returns

IIFLIN MortgageIN Market
7D0.7%1.7%-3.1%
1Y280.8%43.8%61.1%

Return vs Industry: IIFL exceeded the Indian Mortgage industry which returned 43.2% over the past year.

Return vs Market: IIFL exceeded the Indian Market which returned 62.6% over the past year.

Price Volatility

Is IIFL's price volatile compared to industry and market?
IIFL volatility
IIFL Beta1.29
Industry Beta0.95
Market Beta1

Stable Share Price: IIFL is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: IIFL's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199519,950n/ahttps://www.iifl.com

IIFL Finance Limited provides various financial products and services in India and internationally. The company 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. It also provides wealth and asset management, and real estate broker and consulting services; investment banking services, including equity and debt capital market, and private equity and M&A advisory services; and mutual funds, equity, derivatives/futures, options, commodities, and currency trading, as well as research services.

IIFL Finance Fundamentals Summary

How do IIFL Finance's earnings and revenue compare to its market cap?
IIFL fundamental statistics
Market Cap₹114.19b
Earnings (TTM)₹9.94b
Revenue (TTM)₹36.35b

11.3x

P/E Ratio

2.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
IIFL income statement (TTM)
Revenue₹36.35b
Cost of Revenue₹92.18m
Gross Profit₹36.26b
Expenses₹26.32b
Earnings₹9.94b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

Oct 27, 2021

Earnings per share (EPS)26.22
Gross Margin99.75%
Net Profit Margin27.35%
Debt/Equity Ratio615.6%

How did IIFL perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

11%

Payout Ratio

Valuation

Is IIFL Finance undervalued compared to its fair value and its price relative to the market?

11.32x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: IIFL (₹296.8) is trading above our estimate of fair value (₹162.5)

Significantly Below Fair Value: IIFL is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: IIFL is good value based on its PE Ratio (11.3x) compared to the Indian Mortgage industry average (22.6x).

PE vs Market: IIFL is good value based on its PE Ratio (11.3x) compared to the Indian market (21.4x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate IIFL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: IIFL is overvalued based on its PB Ratio (2.1x) compared to the IN Mortgage industry average (1.4x).


Future Growth

How is IIFL Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

18.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as IIFL Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has IIFL Finance performed over the past 5 years?

2.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: IIFL has high quality earnings.

Growing Profit Margin: IIFL's current net profit margins (27.3%) are higher than last year (14.5%).


Past Earnings Growth Analysis

Earnings Trend: IIFL's earnings have grown by 2.4% per year over the past 5 years.

Accelerating Growth: IIFL's earnings growth over the past year (177.2%) exceeds its 5-year average (2.4% per year).

Earnings vs Industry: IIFL earnings growth over the past year (177.2%) exceeded the Mortgage industry -1%.


Return on Equity

High ROE: IIFL's Return on Equity (18.4%) is considered low.


Financial Health

How is IIFL Finance's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: IIFL's Assets to Equity ratio (7.5x) is low.

Allowance for Bad Loans: Insufficient data to determine if IIFL has a sufficient allowance for bad loans.

Low Risk Liabilities: IIFL reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if IIFL has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: IIFL reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if IIFL has an appropriate level of bad loans.


Dividend

What is IIFL Finance current dividend yield, its reliability and sustainability?

1.01%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: IIFL's dividend (1.01%) is higher than the bottom 25% of dividend payers in the Indian market (0.34%).

High Dividend: IIFL's dividend (1.01%) is low compared to the top 25% of dividend payers in the Indian market (1.38%).


Stability and Growth of Payments

Stable Dividend: IIFL's dividend payments have been volatile in the past 10 years.

Growing Dividend: IIFL's dividend payments have not increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (11.4%), IIFL's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.2yrs

Average management tenure


CEO

IIFL Finance has no CEO, or we have no data on them.


Leadership Team

Experienced Management: IIFL's management team is considered experienced (3.2 years average tenure).


Board Members

Experienced Board: IIFL's board of directors are seasoned and experienced ( 13.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: IIFL insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

IIFL Finance Limited's employee growth, exchange listings and data sources


Key Information

  • Name: IIFL Finance Limited
  • Ticker: IIFL
  • Exchange: NSEI
  • Founded: 1995
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: ₹114.193b
  • Shares outstanding: 379.25m
  • Website: https://www.iifl.com

Number of Employees


Location

  • IIFL Finance Limited
  • 802, Hubtown Solaris
  • 8th Floor
  • Mumbai
  • Maharashtra
  • 400069
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/22 15:30
End of Day Share Price2021/10/22 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.