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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
IIFL Finance Limited is an India-based Non-Banking Financial Company (NBFC), which is primarily engaged in financing and related services. It offers a comprehensive range of secured and unsecured lending products, including home loans, gold loans, business loans,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, slow-growing business, fully valued — carrying meaningful debt.
IIFL Finance is scored on the nbfc / financials framework. It keeps a healthy 13.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 17%/yr and profit at 4%/yr. Book value itself has compounded 15%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 16.1%. In the latest quarter profit grew 13% versus the prior quarter.
At 16× earnings, the stock sits at the 70th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.1 | — | — |
| P/B | 1.73 | 7.09 | better |
| EV/EBITDA | 9.78 | 17.09 | better |
| ROE | 16.15 | 4.84 | better |
| ROCE | 10.18 | 44.11 | worse |
| ROA | 2.53 | — | — |
| Quick Ratio | 0.89 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
17% CAGR over 3 years — steady double-digit compounder. Growth is accelerating — latest year outpaced the prior year's rate.
Revenue is outpacing profit (17% vs 4%) — costs are rising faster than the top line. The latest year saw a +214% swing — check if it's a one-off or structural.
Operating margin has compressed from 26% to 18% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 12% — modest; the capital isn't working hard.
Profit grew faster than EPS (4% vs -0%) — share dilution is eroding per-share value. -0% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 8% sequentially — momentum is building. Run-rate stepping up — recent quarters average 15% above earlier ones.
Profit jumped 13% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (15% → 19%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 24.8% — widely held; sentiment-driven. FIIs trimmed 2.1pp — foreign money is rotating out. MF stake down 2.9pp — domestic funds are booking profits or rebalancing out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.