IIFL
Small CapIIFL Finance Limited
Financial Services
IIFL Finance Limited is a financial services company. The provided document is a regulatory intimation about scheduled investor meetings and does not contain a detailed company description or business overview.
One read, four checks
75+ is strong, 60-74 is usable, 45-59 is mixed, and below 45 needs caution. These are research lenses, not buy/sell instructions.
Weak fundamentals, management trust needs verification, price trend argues for patience, and recent execution is mixed.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
low confidence · 0/0 claims checked
Timing lens: price trend and sector relative strength.
Rolling lens: recent quarterly delivery, not the latest single-result score.
Quarter ended 31 Mar 2026
Excellent · 85/100Rev +42% YoY · PAT +148% YoY · +8% QoQ · operating leverage
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹3,692 Cr | +42.5% | +7.7% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹623 Cr | +148.2% | +24.4% |
| PAT margin | 16.9% | +718 bps | +225 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Where growth can come from, and what can break the case
No financial results or operational updates are provided in this regulatory intimation document.
The provided document is a regulatory filing announcing investor meetings and contains no financial results, operational data, or management commentary. Therefore, an assessment of the investment thesis is not possible based solely on this document. The lack of information puts the thesis under stress.
What management said, and what results must prove
Issuer guidance and extracted claims are tracked against later reported outcomes. Treat these as management statements, not IndiaPulse forecasts.
The document does not contain any financial or operational results, so a comparison basis is not applicable.
Investor Engagement
The Company has scheduled meetings with institutional investors and analysts, outside India, commencing from June 01, 2026 till June 05, 2026.
Numbers and claims to verify in the next filings
| Checkpoint | Current evidence | What to verify next |
|---|
Verification checkpoints are IndiaPulse research interpretation, not investment advice.
Trend score and candlestick chart
42NeutralSMA20 -11.8% / mo
Technical chart
IIFLweekly · 6M-12.6%Technical trend read
NeutralTrend is undirectional — long-term trend unclear. RSI 52.
- RSI(14) at 52 — rising, no extreme reading.
- MACD above signal but histogram contracting — bullish momentum cooling.
- 25% off 52W high · 24% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation, score drivers, trust methodology, financials, and peers
Use these sections after reviewing the decision summary, latest result, thesis, management accountability, and technical timing above.
Fundamental score breakdown
WATCHLISTWhy this score?
Top U-Score contributors and drags from the latest stored fundamentals.
Positive drivers
- Fair-value margin of safety is positive at 60.7%.
- Valuation contributes 20/30 to the score.
- Growth contributes 9/25 to the score.
Main drags
- Altman Z is 0.4, in distress territory.
- Balance sheet is weaker at 0/15; verify the latest quarterly trend.
- Quality is weaker at 2/20; verify the latest quarterly trend.
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Score history
12 stored score snapshots. Latest stored move: +5 points.
Factor attribution
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Weak Trust: Claim history is still being built. It ranks around the 5th percentile of the scored universe and 11th percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
Mixed Trust Lite: Promoter pledge is zero. Key concern: Operating cash flow is negative at ₹-13976 Cr.
Management or financial behaviour needs caution. Demand stronger valuation compensation.
overall median 67 · Financial Services: 11th pctile, median 62 · Small: 6th pctile, median 65
145 documents indexed, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Weak Trust · low confidenceRead Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust positives
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-13976 Cr.
- ▸Debt/equity is 5.01.
- ▸Altman Z is 0.44.
- ▸Promoter holding is only 24.8%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Intrinsic value
Fundamentals
Valuation
- P/E
- 12.60
- P/B
- 1.50
- EV/EBITDA
- 429.55
- Market Cap
- 20936.00Cr
Profitability
- ROE
- 12.60%
- ROCE
- 10.80%
- ROA
- 2.04%
- Dividend Y
- 0.81%
Growth (CAGR)
- Revenue 5Y
- 17.00%
- EPS 5Y
- 17.00%
- Revenue 3Y
- 17.00%
- EPS 3Y
- 3.00%
Balance Sheet
- Debt/Equity
- 5.01
- Interest Coverage
- —
- Altman Z
- 0.44
- Book Value
- 327.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- -13976.00 Cr
- EPS TTM
- 39.05
Shareholding
- Promoter Hold
- 24.84%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 31%
Financial History
Updated 9/6/2026
Revenue
₹ CrNet Profit
₹ CrReturn on Equity
%Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.