| Management target | Net Profit 25.0% FY27 |
|---|
| Margins | Interest spread at 7.42%; cost of borrowing stable at 9.08%. |
|---|---|
| Demand visibility | Strong retail credit demand in small towns; formal penetration remains low. |
| Management confidence | High; citing record profits and disciplined asset quality control. |
Growth
Consolidated AUM reached INR 1.24 lakh Cr (+38% YoY). Core businesses (Gold, Home, MSME, Microfinance) grew 43% YoY. ROE surpassed 20%.
Outlook
Guidance maintained at 25% AUM/profit growth for FY27; ROE target 20%+; planning 10-20% equity dilution for capital raise at the standalone entity.
Risks
Potential impact from IRDAI insurance commission caps; slight uptick in Gold Loan NPAs due to price corrections; tight global liquidity conditions.
Last quarter's promises, checked
Delivered
- Guided ROE 19.5% → delivered >20% (= BEAT)
- Guided 500 new branches in FY27 → branch-led expansion continues (= BEAT)
- Guided 30%+ disbursement growth in Home Loans → 39% sequential growth (= BEAT)
Partly delivered
- Guided AUM 38% growth → maintained 38% but guided 25% for FY27 (= PARTIAL)
- Guided credit cost 1.5-1.7% → current 1.6% but uptick in Gold Loan NPAs (= PARTIAL)
Missed
- Guided co-lending scale-up → scaling slower than plan (= MISS)
Earnings Call Transcript filed with BSE, NSE: IIFL. Summary written with AI assistance from the document.
IIFL Finance Ltd: key numbers
- Share price
- ₹533.20
- Market cap
- ₹22,758 Cr
- Revenue (annual)
- ₹13,351 Cr
- Net profit (annual)
- ₹1,661 Cr
- P/E (TTM)
- 9.1×Sector 19.7×
- 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
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- Value
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- Key figure
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