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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

IIFL Finance Ltd.

IIFL · NSE · Financial Services

₹522.35
+3.45 (+0.66%)
Our verdict
Buy73/100
Quality64
Valuation92
Momentum69
Financial trend60
Intrinsic value
Our fair value
₹899.81
Undervalued by 72%
Price ₹522.35Range ₹764.83₹1,034.78

With a 20% margin of safety, our buy-below price is ₹719.84.

B
Financial health 72/100
From profitability & returns (bank/NBFC)

Piotroski F-score 2/9 — quality of earnings & balance sheet.

Investability checklist

Passed 7 of 12 checks58/100
  • ROE above 15%12.3%
  • Low debt (D/E < 0.5)4.46x
  • Positive free cash flow
  • Revenue growth > 10%-14%
  • Earnings growing183%
  • Net margin ≥ 10%21.0%
  • Current ratio > 1.5238.98
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 72/9

1-year price

EOD · 2026-06-15
1W
+6.2%
1M
+12.4%
3M
+8.7%
6M
-6.6%
1Y

Our scores

Durability64
Valuation84
Momentum69
Analyst consensus target ₹585 (+12%) · 4 analysts

Key fundamentals

Market cap
₹22,212 Cr
P/E ratio
13.5
P/B ratio
1.60
EPS (TTM)
₹38.76
ROE
12.3%
Debt / Equity
4.46x
Profit margin
21.0%
Free cash flow
₹-14,057 Cr
52-week high
₹660.26
-20.89% from high
52-week low
₹416.27
Dividend yield
0.8%
Beta
0.25

SWOT snapshot

Strengths

  • Healthy profit margin (21.0%).

Weaknesses

  • High debt relative to equity.
  • Weak Piotroski score (2/9).

Opportunities

  • Earnings growing (183% YoY).
  • Trading in our value buy zone versus sector peers.
  • Trades ~72% below our estimated fair value.

About IIFL Finance Ltd.

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

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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.