IIFL Finance Limited
Financial trend (100/100) does the heavy lifting; quality (68/100) is the drag.
Buy zoneOur blended model reads IIFL Finance Limited as a Strong Buy at 86/100. We put fair value near ₹847.31; at ₹608.65 that leaves roughly 39% upside, so the stock screens undervalued by 39%. On 11.3x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 8% below its 52-week high of ₹660.26 and 46% above the low of ₹416.27. Financial health scores 88/100, with a Piotroski F-score of 2/9. The average analyst target of ₹660 implies about 8% upside across 3 analysts. It clears 7 of 10 investability checks, with durability 68, valuation 78 and momentum 96 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹677.85.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-7.82% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy86Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Fail: Low debt (D/E < 0.5): 4.47x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 32%
- Pass: Earnings growing: 190%
- Pass: Net margin ≥ 10%: 24.2%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter48.4%
- Institutions16.7%
- Public & other34.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (24.2%).
Opportunities
- Earnings growing (190% YoY).
- Revenue growing (32% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~39% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (2/9).
About IIFL Finance Limited
IIFL Finance Limited operates as a non-banking financial company providing loans and financial services across India and internationally. Its offerings include mortgage loans, gold loans, business loans for manufacturers and women entrepreneurs, e-commerce financing, microenterprise lending, loans against securities, and digital finance products. The company also provides supply chain finance, construction and real estate financing, and capital market financing services.
IIFL Finance Limited — frequently asked questions
Is IIFL Finance Limited a buy, hold or sell?
StocksWizard currently rates IIFL Finance Limited (IIFL) a Strong Buy, based on a blended score of 86/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is IIFL Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates IIFL Finance Limited's fair value at about ₹847.31, versus a current price of ₹608.65 — roughly 39% upside. On that basis the stock looks undervalued by 39%.
Is IIFL Finance Limited financially healthy?
IIFL Finance Limited scores 88/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has IIFL Finance Limited's share price performed?
IIFL Finance Limited is up 38% over three months, and last traded at ₹608.65. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.