IIFL Finance Intrinsic Value
IIFL Finance (IIFL) median intrinsic value is ₹1113.10 from 9 valuation models (range ₹167–₹1511), vs current price ₹556.55 — +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 ₹556.55 — upside/downside and value range per method. Analyse IIFL shareholder distribution to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹662.40 | ₹529.92 - ₹794.88 | +19.0% | EPS: ₹55.20, Sector P/E: 12x |
| Book Value Method | asset | ₹1391.38 | ₹1252.24 - ₹1530.52 | +150.0% | Book Value/Share: ₹1837.53, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1113.10 | ₹1001.79 - ₹1224.41 | +100.0% | Revenue/Share: ₹1741.18, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1113.10 | ₹1001.79 - ₹1224.41 | +100.0% | EBITDA: ₹10024.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹353.28 | ₹317.95 - ₹388.61 | -36.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹454.85 | ₹409.37 - ₹500.34 | -18.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1113.10 | ₹1001.79 - ₹1224.41 | +100.0% | ROE: 16.0%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1510.70 | ₹1359.63 - ₹1661.77 | +171.4% | EPS: ₹55.20, BVPS: ₹1837.53 |
| Dividend Yield Method | dividend | ₹166.96 | ₹150.26 - ₹183.66 | -70.0% | DPS: ₹4.00, Target Yield: 4.0% |
IIFL Intrinsic Value vs Market Price — All Valuation Models
IIFL Finance fair value range ₹167–₹1511 vs current market price ₹556.55 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 ₹1113.10, current price ₹556.55 — 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 ₹1113.10 (median value). With the current market price of ₹556.55, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹166.96 to ₹1510.70, indicating ₹166.96 - ₹1510.70.
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 |
|---|---|---|---|---|
| Current Ratio | 0.17 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | 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 |