Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

IIFL Finance Limited, a non-banking financial company, engages in financing activities in India and internationally. It offers home and gold loans; business loans, including business loan for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprise; loans against securities; and digital finance loans, as well as supply chain finance. The company also provides construction and real estate financing; capital market financing; and lending, investment, and wealth management services. The company was formerly known as IIFL Holdings Limited and changed its name to IIFL Finance Limited in May 2019. IIFL Finance Limited was incorporated in 1995 and is based in Mumbai, India.

Revenue projections:

Revenue projections for IIFL
Revenue projections for IIFL

IIFL is projected to experience a revenue decline compared to last year, a development that often leads to investor caution. The drop could negatively impact the company's bottom line, as lower revenues typically signal reduced profitability, prompting more conservative investment strategies.

Financial Ratios:

currentRatio 195.340000
forwardPE 8.515152
debtToEquity 370.078000
earningsGrowth -0.499000
revenueGrowth -0.435000
grossMargins 1.000000
operatingMargins 0.217170
trailingEps 8.720000
forwardEps 48.170000

IIFL's current ratio being 195.34 suggests that it has more than enough liquidity to cover short-term debt obligations. The company's cash reserves and current assets are sufficient to meet immediate liabilities, signaling solid financial health and minimal risk.
IIFL's elevated debt-to-equity ratio suggests the company is highly leveraged, meaning it has significant debt compared to equity. This can be risky, particularly if IIFL's cash flow or profits decrease, making it harder to meet debt obligations.
IIFL Finance Limited's low earnings and revenue growth suggest that the company may see declining profits. This indicates potential financial challenges ahead, and could lead to a more cautious outlook from investors.
Positive gross and operating margins for IIFL Finance Limited suggest that the company is operating profitably. These margins highlight IIFL Finance Limited's efficiency in managing costs while maintaining healthy revenue streams, contributing to its overall financial strength.
With a forward EPS greater than its trailing EPS, IIFL is forecasted to be more profitable this year than last. This growth expectation reflects confidence in the company's earnings potential and suggests an improving financial trajectory for the year ahead.

Price projections:

Price projections for IIFL
Price projections for IIFL

The price of IIFL currently does not indicate any clear risks or opportunities when compared to projections. This balanced stance suggests that investors may prefer to hold off on major decisions until new information arises.

Recommendation changes over time:

Recommendations trend for IIFL
Recommendations trend for IIFL


IIFL Finance Limited has been receiving a buy bias from analysts, indicating confidence in its investment potential. This could drive more investors to view IIFL Finance Limited as a reliable choice for their money, offering a promising avenue for future growth and financial gains.