ALFA Finder| Margins | Cost of borrowing decreased 33 bps YoY to 9.13%. |
|---|---|
| Order book | AUM at INR 1.15 lakh crore; co-lending assets INR 14,647 Cr. |
| Demand visibility | Structurally resilient domestic credit demand in retail and MSME segments. |
| Management confidence | High; operations back to natural levels with AI-led operating leverage. |
Growth
AUM up 38% YoY; PAT up 14% QoQ. Core product AUM (Gold, Home, MSME, Microfinance) grew 43% YoY.
Outlook
Guided 1.5-1.7% credit costs for FY27. Home loan growth targeted at 17-18% for the full year.
Risks
Gold price volatility and sharp corrections pose tail risks to loan-to-value discipline. Cautious stance on unsecured MSME/MFI.
Last quarter's promises, checked
Delivered
- Guided 2.7-3% credit cost FY26 → delivered 1.5-1.7% guidance for FY27 (= BEAT)
- Guided 2.4% ROA growth → delivered 2.97% (= BEAT)
- Targeted INR 1 lakh Cr AUM → delivered INR 1.08 lakh Cr (= BEAT)
Partly delivered
- Guided 20-25% Gold AUM growth → delivered 11% QoQ (= PARTIAL)
Earnings Call Transcript filed with NSE, NSE: IIFL. Summary written with AI assistance from the document.
IIFL Finance Ltd: key numbers
- Share price
- ₹663.15
- Market cap
- ₹28,317 Cr
- Revenue (annual)
- ₹13,351 Cr
- Net profit (annual)
- ₹1,661 Cr
- P/E (TTM)
- 11.4×Sector 21.2×
- Promoter holding
- 24.76%-0.09% QoQ
- FII holding
- 25.63%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IIFL Finance Ltd
All →IIFL Finance Debt & Borrowing: ₹70 Cr
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- Value
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IIFL Finance Annual General Meeting
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IIFL Finance Preferential Issue
IIFL Finance's EGM on 4 December 2026 seeks approval for a preferential issue. Convertible preference shares and warrants total about ₹6,414.20 Crore.
- Value
- ₹6,414 Cr
IIFL Finance Preferential Issue
IIFL Finance executed three subscription agreements for a preferential issue of CCPS and warrants at Rs 602 per share. Completion is subject to shareholder and regulatory approvals.
IIFL Finance Capital Structure Change
IIFL Finance's board approved an alteration of authorised share capital. The shareholder vote is set for 4 December 2026.
IIFL Finance Fund Raise of ₹6,414 Cr
IIFL Finance's board approved a preferential issue of convertible preference shares and warrants worth Rs.6,414.20 Crore. Shareholder approval is needed at a 4 December EGM.
- Value
- ₹6,414 Cr