IIFL Finance Ltd.

NSE: IIFL  SECTOR: Finance - Investment

100.25
-6.9 (-6.44%)

Price Summary

Today's High

₹ 108.2

Today's Low

₹ 98.9

52 Week High

₹ 212.8

52 Week Low

₹ 58.15

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

3793.415559175 Cr.

Advances

0 Cr.

No. of Shares

37.8395567 Cr.

P/E

55.38

P/B

1.04

Face Value

₹ 2

Div. Yield

2.26%

Book Value (TTM)

₹  96.7392

Operating Revenue

2608.301 Cr.

Net Profit

148.803 Cr.

Promoter Holding

24.94%

EPS (TTM)

₹  1.8101

Sales Growth

-11.6828602241195 %

ROE

4.16906565221448 %

ROCE

8.5809482643686 %

Profit Growth

-67.0078155312899 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

Income Growth (in Cr.)

1 Year-11.68%
3 Year138.58%
5 Year88.69%

Profit Growth (in Cr.)

1 Year-67.01%
3 Year-1.73%
5 Year8.66%

ROE%

1 Year4.17%
3 Year12.2%
5 Year11.82%

ROCE %

1 Year8.58%
3 Year15.75%
5 Year14.4%

ROA%

0.810997537107908

PEG Ratio

NA

PAT Margin (%)

5.70497806809874

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 24.94 0
Dec 2019 29.4 0
Sep 2019 29.18 0
Jun 2019 29.03 0
Mar 2019 29.03 0
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.78021047683247 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 138.580103971972%.

 Limitations

  • Promoters shareholding is low at 24.94%.
  • PAT margin has shrunk by 9.56674017585256%.
  • The company has delivered poor profit growth of -1.72519538437741% over past 3 years
  • Provision and contingencies have increased by 29.2754144142899%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Operating Revenue 0 0 774.66 720.12 830.71
Other Income 0 0 7.47 2.94 25.62
Interest Expended 0.09 0.13 342.62 446.08 368.06
Operating Expenses 0.39 7.76 467.76 292.33 405.94
Total Provisions 0 0 0 53.05 0
Depreciation 0.06 0.08 22.62 20.18 23.83
Profit Before Tax -0.54 -7.97 -50.88 -88.57 58.5
Tax 0 -2.26 -67.54 1.25 17.24
Net Profit -1.49 -5.72 16.67 16.29 41.26

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 211.41 192.06 246.26 2953.34 2608.3
Other Income 0 0.27 24.86 44.29 136.48
Interest 6.35 6.79 5.05 1370.4 1247.22
Operating Expenses 13.91 14.29 16.07 757.88 798
Total Provisions 0.72 0.51 3.71 361.66 467.53
Exceptional Items 0 0 0 115.33 4.61
Profit Before Tax 190.43 170.75 246.29 623.02 236.64
Tax 18.45 13.97 31.6 171.99 87.83
Profit After Tax 171.98 156.78 214.69 451.03 148.8
Adjusted EPS (Rs.) 5.43 4.93 6.73 14.13 3.93

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 63.31 63.58 63.8 63.84 75.67
Total Reserves 1412.58 1436.06 1418.91 3478.52 3532.14
Borrowings 50 0 0 8361.56 11330.05
Other N/C liabilities 304.62 298.43 4.61 -184.6 -147.14
Current liabilities 14.68 91.44 5.7 5817.7 4368.55
Total Liabilities 1845.18 1889.51 1493.02 17537.01 19159.28
Assets
Loans 0 0 0 0 0
Net Block 0.92 2.06 2.66 90.14 350.5
Capital WIP 1.61 0 0 6.02 2.49
Investments 1417.35 1443.84 1419.05 1369.5 1510.43
Other Loans 343.7 333.3 36.89 180.02 248.35
Other N/C Assets 0.08 0.03 0.65 52.1 202.71
Current Assets 81.53 110.27 33.77 15839.23 16844.8
Total Assets 1845.18 1889.51 1493.02 17537.01 19159.28
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

IIFL Finance Stock Price Analysis and Quick Research Report. Is IIFL Finance an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the IIFL Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 148.803 Cr and the compounded growth of profit in the past 3 years is -1.72519538437741 %. The PAT margin of IIFL Finance is 5.70497806809874 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In IIFL Finance , the EPS declined by -72.1648171215038 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of IIFL Finance is at 4.16906565221448 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of IIFL Finance is worth at the current levels at Rs 99.65. The stock is trading at a current P/E ratio of 18.9168573607933 and the average historical P/E for the last 5 years was 54.6074633216623.

  • P/B ratio can be one of the best metrics to value such companies. Currently, IIFL Finance is trading at a P/B of 1.03629138963316 . The average historical P/B for the last 5 years was 6.55560072310291. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about IIFL Finance

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