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

With IIFL's revenues forecasted to be lower than last year's, investors are expected to be cautious. A decline in revenue typically harms the company's bottom line, reducing profitability and making investors less confident about the company's ability to sustain its financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 8.697115
debtToEquity 376.166000
earningsGrowth -0.217000
revenueGrowth -0.136000
grossMargins 0.995530
operatingMargins 0.307680
trailingEps 7.220000
forwardEps 48.170000

IIFL Finance Limited's elevated debt-to-equity ratio suggests the company is leveraging debt heavily, increasing its financial risk. While this can support growth, it could also lead to challenges if the company's profitability or cash flow weakens.
IIFL's low growth in earnings and revenue points to a likely reduction in profits. This signals a weakening financial performance, indicating the company might face difficulties in staying profitable.
Positive gross and operating margins for IIFL demonstrate the company's profitability. These margins reflect strong financial performance, with efficient operations contributing to the company's ability to generate consistent profits.
IIFL's forward EPS exceeding its trailing EPS reflects expectations of increased profitability for the current year. This suggests that the company is projected to achieve higher earnings than in the previous financial year, signaling positive growth and improved financial health.

Price projections:

Price projections for IIFL
Price projections for IIFL

The current price of IIFL aligns with projections, showing no clear risks or opportunities. This lack of volatility suggests a stable environment for investors, who may wish to hold off on major adjustments until market conditions change.

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.