FINANCIAL SERVICES · NSE/BSE: IIFL

IIFL Finance Limited Earnings Summary — Q2 FY2027

Sentiment: Positive

AI-generated summary

Generated 2026-10-22

Business Intelligence Report

IIFL Finance Limited Q2 FY2027 results: Profit up +103.7% YoY; revenue grew +28.5% YoY; OPM 71.7%.

Quarterly Business Intelligence

Q2 FY2027

Financials from Financial Intelligence · data as of 2026-09-30

Revenue

₹4,246 Cr

QoQ +8.4%YoY +28.5%

Net Profit

₹766 Cr

QoQ +13.5%YoY +103.7%

Operating Profit

₹3,044 Cr

QoQ +12.4%YoY +53.6%

Operating Margin

71.7%

QoQ +258 bpsYoY +1172 bps

AI Quarterly Scorecard™

/ 100

Excellent

Revenue Momentum94

Profit Growth96

Margin Expansion100

Growth Consistency100

Operating Efficiency89

Financial Stability45

Computed deterministically from the last 10 reported quarters.

Quarterly Business Momentum

Revenue & Growth

Revenue has increased for 8 consecutive quarters.
Revenue of ₹4,246 Cr is 28.5% higher year-on-year.
Revenue has compounded at 23.9% annualised over the last 10 quarters.
Revenue is at its highest level in 10 quarters.

Profitability

Net profit has reached its highest level in 10 quarters.
Net profit of ₹766 Cr is 103.7% above the same quarter last year.
Profit growth is outpacing revenue growth, pointing to positive operating leverage.
Net profit has compounded at 63.1% annualised across the period.

Margins

Operating margin stands at 71.7% in Q2 FY2027.
Operating margin expanded by 1172 bps year-on-year.
Over the last two years operating margin has expanded by 1490 bps.
PBT margin is 25.3%.

Operating Efficiency

Expense growth of -9.1% remained below revenue growth of 28.5%.
Operating profit of ₹3,044 Cr is 53.6% higher year-on-year.
Operating leverage continues to improve.

Overall Momentum

6 of the last 6 measured quarters delivered year-on-year revenue growth.
Overall quarterly business momentum scores 87/100 (Excellent) on the latest 10 quarters.
Business momentum remains positive heading into the next quarter.

Quarterly Financials

Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %

Metric	Trend	Latest Q2 FY2027	Q1 FY2027	Q4 FY2026	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025
Revenue	Improving	4,246	3,919	3,693	3,427	3,305	2,953	2,591	2,443	2,556	2,621
Expenses	Stable	1,203	1,211	1,194	1,280	1,323	1,267	1,065	1,307	1,105	1,109
Operating Profit	Improving	3,044	2,708	2,499	2,147	1,982	1,686	1,526	1,136	1,451	1,512
Operating Margin	Improving	71.7%	69.1%	67.7%	62.6%	60.0%	57.1%	58.9%	46.5%	56.8%	57.7%
Other Income	Volatile	2	3	7	5	4	6	3	6	-582	12
Interest	Improving	1,909	1,719	1,610	1,437	1,382	1,289	1,169	996	963	1,042
Depreciation	Improving	63	63	64	53	47	47	51	46	46	46
Profit Before Tax	Volatile	1,074	929	833	663	557	356	309	101	-140	436
Tax	Volatile	269	216	209	162	139	82	58	19	-47	98
Net Profit	Volatile	766	675	587	464	376	233	208	41	-158	288
Net Margin	Volatile	18.1%	17.2%	15.9%	13.6%	11.4%	7.9%	8.0%	1.7%	-6.2%	11.0%

Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q2 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-09-30

Key Takeaways

Profit up +103.7% YoY; revenue grew +28.5% YoY; OPM 71.7%.

Official Quarterly Documents

Earnings Press Release

Official quarterly earnings release published by the company.

Press Release not available.

Earnings Call Transcript

Management discussion and analyst Q&A.

This summary is AI-generated from IIFL Finance Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.