IIFL Finance Limited (IIFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹221B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated yesterday
Share price +4.2% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹415.59 – ₹659.18 · fair‑value band ₹372.77 – ₹1,281 · the ₹518.70 price screens above the ₹413.27 fair value. As of Jul 3, 2026.
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IIFL Finance Limited (IIFL) currently trades at ₹518.70, while our model-based Fair Value estimate is ₹413.27 — implying the stock looks roughly 20.3% overvalued today. We read business quality at 48/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, IIFL Finance Limited generated revenue of ₹79.0B at a net margin of 21.0%. Revenue declined 14.1% year over year. It earns a return on equity of 12.3%. Net debt stands at ₹633B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
IIFL Finance Limited, a non-banking financial company, provides financial services in India and internationally. The company offers home and gold loans; business loans, including business loans for manufacturers, women, and e-commerce; loans to micro, small, and medium enterprises; loans against securities; and digital finance loans, as well as supply chain finance. It 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 headquartered in Mumbai, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
IIFL Finance Limited reported revenue of ₹134B in FY2026 versus ₹70.1B in FY2022, a compound +17.5%/yr. Reported net income was ₹16.6B in FY2026, compounding +8.7%/yr from FY2022.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.