IIFL Finance Ltd
Ticker: IIFL
Decent
68/100
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Investing Reference
Price
506.25
Market Cap
21520.79
Debt/Equity
3.6928
ROE %
2.912
PB
1.5422
Promoter %
24.869
Pledge %
0.000
1Y Rev Growth %
-2.416
5Y Rev Growth %
15.753
NP Margin %
3.700
NP Margin 5Y Avg %
13.575
Trading Reference
1M Return %
11.500
6M Return %
52.301
1Y Return %
6.054
% Away 52W High
6.301
% Away 52W Low
80.933
Daily Volume
2376538
Investment Verdict
Hold
Score 67/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Momentum
Score 74/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
IIFL Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. However, resistance is observed at higher levels, suggesting potential volatility. If the stock breaks above resistance, it could see significant upside, while a drop below support may lead to downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
IIFL Finance Ltd is a leading non-banking financial company in India, providing a range of financial services including loans, insurance, and investment products. Catering to individuals and businesses, IIFL aims to empower customers with accessible financial solutions. With a strong focus on customer satisfaction and innovative offerings, IIFL is committed to enhancing financial inclusion across the country. Its robust network and experienced team make it a trusted partner in achieving financial goals.
- Leading non-banking financial company in India
- Offers loans, insurance, and investment products
- Focus on financial inclusion and accessibility
- Strong customer satisfaction record
- Extensive network and experienced team
- Trusted partner for individuals and businesses
Investment Thesis
IIFL Finance Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. The company's strategic focus on technology-driven financial solutions positions it well for future growth, making it a solid choice for retail investors.
- Strong backing from a reputable promoter group enhances trust and stability.
- Significant growth potential in digital services, catering to evolving customer needs.
- Attractive valuation metrics compared to industry peers, indicating potential upside.
- Diversified product offerings reduce risk and enhance revenue streams.
- Commitment to innovation positions the company favorably in a competitive market.
Opportunity vs Risk
Opportunities
- Strong growth in retail lending
- Expanding digital financial services
- Rising demand for personal loans
- Strategic partnerships with fintech firms
Risks ⚠️
- Regulatory changes affecting lending
- High competition in finance sector
- Economic downturn impacting loan repayments
- Rising interest rates affecting margins
Peer Perspective
IIFL Finance Ltd trades at a discount to peers like Bajaj Finance and Muthoot Finance, with potential for rerating if it achieves consistent margin stability and accelerates growth in its lending portfolio.
Future Outlook
IIFL Finance Ltd is well-positioned for growth in the evolving financial landscape, provided it maintains strong execution and cost control measures. Continued focus on customer-centric solutions could enhance its market share and profitability.
AI FAQs for Retail Users
- Q: What does IIFL Finance Ltd do?A: IIFL Finance Ltd provides a range of financial services including loans, insurance, and investment solutions.
- Q: Is IIFL Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research and consult a financial advisor.
- Q: What are the risks associated with investing in IIFL Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of IIFL Finance Ltd?A: You can buy shares through a brokerage account or a stock trading platform.
- Q: What is the dividend policy of IIFL Finance Ltd?A: IIFL Finance Ltd may declare dividends based on its financial performance and board decisions.
📊 Stock Investment Checklist (100 Points)
IIFL Finance Ltd • Updated: 2025-09-17 02:35:00
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10BusinessHighThe finance sector is evolving with digital transformation, but IIFL's competitive edge is moderate.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above industry average, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is stable, but there are concerns regarding pledging.
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5DriversGoodGrowth catalysts exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity impacting price action.
Final Score & Verdict
Score 68 / 100
• Decent
IIFL Finance Ltd shows decent potential with some growth prospects, but faces challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 72/100