IIFL Finance Intrinsic Value
IIFL Finance intrinsic value. IIFL Finance (IIFL) median intrinsic value is ₹1135.80 from 9 valuation models (range ₹170–₹1704), vs current price ₹567.90 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Read IIFL dividend track record for the complete payout history and dividend yield track record.
IIFL Valuation Methods Summary — DCF, Graham Number & P/E
IIFL Finance intrinsic value across 9 models vs current price ₹567.90 — upside/downside and value range per method. Compare with IIFL fair value estimate to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹864.00 | ₹691.20 - ₹1036.80 | +52.1% | EPS: ₹72.00, Sector P/E: 12x |
| Book Value Method | asset | ₹1419.75 | ₹1277.78 - ₹1561.73 | +150.0% | Book Value/Share: ₹1837.53, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1135.80 | ₹1022.22 - ₹1249.38 | +100.0% | Revenue/Share: ₹1999.06, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1135.80 | ₹1022.22 - ₹1249.38 | +100.0% | EBITDA: ₹12184.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹460.80 | ₹414.72 - ₹506.88 | -18.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹593.28 | ₹533.95 - ₹652.61 | +4.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1135.80 | ₹1022.22 - ₹1249.38 | +100.0% | ROE: 20.6%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹1703.70 | ₹1533.33 - ₹1874.07 | +200.0% | EPS: ₹72.00, BVPS: ₹1837.53 |
| Dividend Yield Method | dividend | ₹170.37 | ₹153.33 - ₹187.41 | -70.0% | DPS: ₹4.00, Target Yield: 4.0% |
IIFL Intrinsic Value vs Market Price — All Valuation Models
IIFL Finance fair value range ₹170–₹1704 vs current market price ₹567.90 across 9 valuation models. For current market price and key ratios, visit IIFL Finance share price screener.
IIFL Intrinsic Value Analysis — Undervalued or Overvalued?
IIFL Finance median intrinsic value ₹1135.80, current price ₹567.90 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of IIFL?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of IIFL Finance (IIFL) is ₹1135.80 (median value). With the current market price of ₹567.90, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹170.37 to ₹1703.70, indicating ₹170.37 - ₹1703.70.
Is IIFL undervalued or overvalued?
Based on our multi-method analysis, IIFL Finance (IIFL) appears to be trading below calculated value by approximately 100.0%.
IIFL Financial Health — Key Ratios vs Industry Benchmarks
IIFL Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 20.6% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 72.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.19x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
IIFL Cash Flow Quality — Operating & Free Cash Flow
IIFL Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-13,976 Cr | ₹-15,279 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-4,781 Cr | ₹-5,356 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-8,716 Cr | ₹-8,716 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-5,225 Cr | ₹-6,583 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹1,784 Cr | ₹1,286 Cr | Positive Free Cash Flow | 8/10 |