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IIFL Finance Limited Q1 FY26 results press release summary

NSE: IIFL · BSE: 532636

Results press release of 30 Jul 2025, summarised by AI from the filing.

IIFL Finance Q1FY26 PAT at ₹274.2 cr, up 9% QoQ; Gold loan AUM crossed pre-embargo levels at ₹27,274 cr.

Key takeaways

  1. Guidance No forward guidance provided in the document.
  2. Change Gold loan AUM surged 30% QoQ to ₹27,274 cr, crossing pre-embargo levels.
  3. Driver Gold loan business recovery drove AUM growth, with AUM at ₹27,274 cr, up 85% YoY.
  4. Risk Microfinance AUM declined 26% YoY due to macroeconomic pressures in unsecured lending.

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.