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

Investors may be wary of IIFL Finance Limited as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 195.340000
forwardPE 8.805051
debtToEquity 370.078000
earningsGrowth -0.499000
revenueGrowth -0.435000
grossMargins 1.000000
operatingMargins 0.217170
trailingEps 8.720000
forwardEps 48.170000

IIFL Finance Limited's current ratio of 195.34 means the company has enough liquidity to meet its short-term debt obligations. With sufficient cash reserves and current assets, IIFL Finance Limited can comfortably cover its liabilities, reflecting a strong financial outlook.
IIFL's high debt-to-equity ratio indicates that the company is heavily leveraged. This suggests a significant reliance on debt to finance its operations, which could expose the company to higher financial risks if its cash flow or profitability decreases.
IIFL Finance Limited's low growth in both earnings and revenue indicates a likely decrease in profits. This suggests the company may be facing financial challenges, and investors should be cautious about its future performance.
With positive gross and operating margins, IIFL demonstrates strong profitability. This reflects the company's ability to manage costs and maintain healthy profits, showcasing effective operational efficiency and financial stability.
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 current price of IIFL Finance Limited, relative to its projections, shows no clear risks or opportunities. This neutral assessment may encourage investors to take a cautious approach, awaiting further developments before making substantial changes.

Recommendation changes over time:

Recommendations trend for IIFL
Recommendations trend for IIFL


IIFL has been receiving a buy bias from analysts, signaling strong confidence in the stock's future performance. This positive outlook might drive investors to view IIFL as an attractive option for their portfolios, positioning the company as a stable and profitable investment choice.