IIFL Finance Intrinsic Value
IIFL • Financial Services
Current Stock Price
₹446.90
Primary Intrinsic Value
₹425.28
Market Cap
₹3799 Cr
+100.0%
Upside
Median Value
₹893.80
Value Range
₹227 - ₹1144
Assessment
Trading Below Calculated Value
Safety Margin
50.0%
IIFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹425.28 | ₹340.22 - ₹510.34 | -4.8% | EPS: ₹35.44, Sector P/E: 12x |
| Book Value Method | asset | ₹1117.25 | ₹1005.52 - ₹1228.98 | +150.0% | Book Value/Share: ₹1641.76, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹893.80 | ₹804.42 - ₹983.18 | +100.0% | Revenue/Share: ₹1557.18, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹893.80 | ₹804.42 - ₹983.18 | +100.0% | EBITDA: ₹7944.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹226.82 | ₹204.14 - ₹249.50 | -49.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹292.03 | ₹262.83 - ₹321.23 | -34.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹893.80 | ₹804.42 - ₹983.18 | +100.0% | ROE: 12.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1144.18 | ₹1029.76 - ₹1258.60 | +156.0% | EPS: ₹35.44, BVPS: ₹1641.76 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
IIFL Intrinsic Value Analysis
What is the intrinsic value of IIFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of IIFL Finance (IIFL) is ₹893.80 (median value). With the current market price of ₹446.90, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹226.82 to ₹1144.18, indicating ₹226.82 - ₹1144.18.
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%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.13 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.0% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 60.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for IIFL Finance
Additional stock information and data for IIFL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-3,587 Cr | ₹-3,587 Cr | Negative Cash Flow | 3/10 |