Financial & Valuation Intelligence™
IIFL Finance Limited
NSE
IIFL
Sector: Financial Services· Credit ServicesCurrent Price
₹531.2
Market Cap
₹25.53K Cr
AI Financial Summary
IIFL Finance exhibits strong long-term growth and market valuation potential, though it faces significant liquidity and cash flow constraints typical of a high-leverage credit services business. Despite recent volatility in net profit and operational cash flow, the company maintains a robust revenue CAGR of 17.37%.
Business Performance (CAGR)
10 Years
Revenue
17.4%
PAT
10.3%
EPS
8.1%
Book Value
11.4%
Free Cash Flow
25.3%
Valuation Snapshot
P/E11
P/B1.3
EV/EBITDA10.6
P/S1.9
Div Yield0.67%
Financial Health
Debt to Equity4.97
Interest Coverage1.4x
Current Ratio1.1
Cash & Investments₹12.47K Cr
Profitability Metrics
ROE
11.9%
ROCE
9.8%
ROA
1.9%
EBITDA Mgn
62.5%
Op Margin
60.9%
Net Margin
12.4%
Cash Flow Intelligence
Operating Cash Flow₹-13.98K Cr
Free Cash Flow₹-14.20K Cr
Cash Conversion-841.5%
FCF Margin-106.2%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹531.2
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
IIFL Finance is a high-growth credit services player with an attractive margin of safety, though potential shareholders must remain cautious of the high leverage and negative free cash flow profile.
- Strong historical revenue growth CAGR of 17.37%.
- Significant margin of safety at 45.16% based on current valuation models.
- Healthy operating margins of 60.94%.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
56/100
Adequate
IIFL Finance Limited has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
AI Confidence
92%
Stability
55
Flexibility
44
Strength Factors
Liquidity60
Leverage40
Working Capital92
Asset Quality27
Shareholder Strength78
Financial Stability55
Financial Flexibility™
44/100
Weak
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹88.99K Cr
▲ 31.2% YoY
Total Liabilities
₹75.07K Cr
▲ 35.5% YoY
Shareholder Equity
₹13.92K Cr
▲ 12.1% YoY
Net Cash Position
₹-56.71K Cr
Monitor
Debt / Equity
4.97x
Elevated
Enterprise Value
₹82.24K Cr
Capital Structure
Assets
₹88.99K Cr
Equity
₹13.92K Cr (15.6%)
Liabilities
₹75.07K Cr (84.4%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity4.97x
Interest Coverage1.4x
Debt / EBITDA41.65x
Net Debt₹56.71K Cr
Debt Trend (5Y)23.2%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio1.10
Quick Ratio1.10
Cash Ratio0.08
Working Capital₹581 Cr
Operating Cash CoverageWeak
Short-term LiquidityAdequate
Working Capital Intelligence™
CCC Trend
Receivable Days3
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion Cycle3 days
Asset Quality (% of Total Assets)
Cash & Investments7.2%
Property, Plant & Equip.1.7%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets98.3%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)11.4%
Net Worth CAGR (5Y)13.7%
Retained EarningsStrong
Equity Dilution0.00%
Buyback EfficiencyGood
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskHigh
Liquidity RiskElevated
Working Capital RiskLow
Refinancing RiskHigh
Asset Quality RiskHigh
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown34
Acquisition Capacity43
High Interest Rates40
Dividend Sustainability61
Revenue Decline52
Cash Flow Resilience48
Expansion Capacity57
Overall Resilience Score
48/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
- IIFL Finance Limited has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
- Strong shareholder equity growth
- Efficient working capital cycle
Areas To Monitor
- Elevated debt-to-equity ratio
- Thin interest coverage — cyclical earnings risk
- Tight short-term liquidity cushion
- Large 'other assets' bucket — investigate composition
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026