ResultsIQ

ResultsIQ › Latest results › IIFL Finance Limited

IIFL Finance Limited Q1 FY27 results deck summary

NSE: IIFL · BSE: 532636

Results deck of 22 Jul 2026, summarised by AI from the filing.

IIFL Finance Q1FY27 PAT ₹713.1 cr, up 14% QoQ; AUM ₹1,15,523 cr; FY27 targets ~25% AUM growth and ROE 16-20%.

Key takeaways

  1. PAT PAT (pre NCI) ₹713.1 cr, up 14% QoQ and 160% YoY; AUM ₹1,15,523 cr, up 7% QoQ and 38% YoY.
  2. Guidance FY27 targets: ~25% AUM growth, ROA 3.1-3.3%, ROE 16-20%, off-book mix 35-40%.
  3. Change Gold loan AUM rose 11% QoQ to ₹58,406 cr, up 114% YoY, becoming the primary growth driver.
  4. Driver Secured lending focus (Gold + Mortgages) and co-lending partnerships drive capital-efficient growth.
  5. Risk Gold loan growth pace can slow down, though it remains a core engine.

Original filing on BSE

IIFL Finance Limited Q1 FY27 results

As filed: Revenue ₹3,919 cr (+33% year on year), EBITDA ₹2,708 cr (+61% year on year), PAT ₹713 cr (+160% year on year), EBITDA margin 69.1% (+1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹3,693 cr (+43% year on year), EBITDA ₹2,499 cr (+64% year on year), PAT ₹623 cr (+148% year on year), EBITDA margin 67.7% (+877 bps). Score 80 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 877 bps year on year. Share price after the results: +4.4% in 30 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹3,427 cr (+40% year on year), EBITDA ₹2,147 cr (+89% year on year), PAT ₹501 cr (+300% year on year), EBITDA margin 62.7% (+1,000 bps). Score 94 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 1000 bps year on year. Share price after the results: −11.2% in 29 days (Nifty 500: +2.5%).
  • Q2 FY26: Revenue ₹3,305 cr (+29% year on year), EBITDA ₹1,982 cr (+35% year on year), PAT ₹418 cr, EBITDA margin 60.0% (+293 bps). Score 81 of 100, Above trend. Revenue and EBITDA growth were well above the company's own trend. EBITDA margin rose 293 bps year on year. Share price after the results: +6.8% in 29 days (Nifty 500: +0.4%).
  • Q1 FY26: Revenue ₹2,953 cr (+13% year on year), EBITDA ₹1,686 cr (+12% year on year), PAT ₹274 cr (−19% year on year), EBITDA margin 57.1% (−46 bps). Score 64 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA growth was above it; profit growth was below it. EBITDA margin fell 46 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: −15.1% in 30 days (Nifty 500: −2.5%).
  • Q4 FY25: Revenue ₹2,591 cr (−9% year on year), EBITDA ₹1,526 cr (−5% year on year), PAT ₹251 cr (−42% year on year), EBITDA margin 58.9% (+248 bps). Score 40 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was in line with it; profit growth was below it. EBITDA margin rose 248 bps year on year. Share price after the results: +25.0% in 29 days (Nifty 500: +6.1%).
  • Q3 FY25: Revenue ₹2,443 cr (−8% year on year), EBITDA ₹1,137 cr (−33% year on year), PAT ₹82.0 cr (−85% year on year), EBITDA margin 46.5% (−1,000 bps). Score 13 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 5% from last quarter.
  • Q2 FY25: Revenue ₹2,572 cr (+4% year on year), EBITDA ₹1,467 cr (−8% year on year), PAT −₹93.0 cr (−35% year on year), EBITDA margin 57.0% (−762 bps). Score 20 of 100, Below trend. EBITDA margin fell 762 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

IIFL Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.