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 3.662000
forwardPE 9.340404
debtToEquity 376.166000
earningsGrowth -0.499000
revenueGrowth -0.040000
grossMargins 0.995670
operatingMargins 0.126920
trailingEps 8.730000
forwardEps 48.170000

IIFL's current ratio of 3.662 highlights the company's ability to easily cover its short-term debt using its available cash and assets. This indicates a strong liquidity position, ensuring IIFL is unlikely to face difficulties in meeting immediate financial obligations.
IIFL's high debt-to-equity ratio indicates a high level of leverage, meaning the company relies significantly on debt for financing. This can increase financial risk, particularly in times of economic instability or reduced profitability.
IIFL's low growth in both earnings and revenue indicates potential profit shrinkage. This downward trend could be a sign of weakening financial health, signaling challenges for the company's future profitability.
IIFL Finance Limited's negative gross and operating margins highlight potential financial struggles, as the company is not covering its production or operational expenses. This could lead to broader concerns about its ability to achieve profitability.
IIFL Finance Limited's forward EPS exceeding its trailing EPS means that the company is expected to increase profitability in the current financial year. This reflects improved earnings potential, signaling that IIFL Finance Limited is likely to outperform its previous year's financial performance.

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


Analysts have maintained a buy bias for IIFL, which could prompt investors to consider the stock as a viable investment. With this positive outlook, IIFL is positioned as an attractive option for those looking to park their money in a stable and potentially lucrative company.