IIFL Finance – Stock may see further upside
By Ankur Chandra | Updated at: Nov 3, 2025 04:12 PM IST
IIFL Finance shares are gaining sharply today. At 2:35 p.m. IST, 3rd November, 2025, IIFL Finance shares are up by 2.10%, trading at Rs 545.80. Nifty 50 index is up by 0.21% at this time. The company’s shares are gaining today after it posted its September quarter result.
September quarter revenues up by 29.31%
IIFL Finance’s profit in the September quarter stood at Rs 376.33 crore. In the corresponding quarter of the previous year, the company had posted a loss of Rs 157.66 crore. Its revenues in the quarter increased year-on-year (y-o-y) by 29.31% to Rs 3305.11 crore.
High gold prices benefitted the company
IIFL Finance is among the biggest players in the country in the gold loan segment. Gold loan portfolio of the company stood at around Rs 27,200 crore at the end of the September quarter. Gold prices have risen by around 55% in the past one year. This has benefitted IIFL Finance. It can lend higher amount against the same quantity of gold as collateral because of higher gold prices. Demand for gold loans also went up from the side of customers because of higher gold prices. Higher demand for loans means that gold loan providers like IIFL Finance can also charge higher interest rates.
NII up by 6.1%
Net interest income (NII) of the company in the September quarter increased year-on-year by 6.1%. NII is the difference between the interest that the company charges from the borrowers and the interest that it pays on the funds that it has raised for giving loans to its customers.
Interest rate cut by RBI in June also helped the company in lowering the cost of its funds. As an NBFC, IIFL Finance mainly raises funds by borrowing from banks and other financial institutions and by floating commercial papers and other debt securities such as bonds.
IIFL Finance among the best performing stocks in 2025 and in the past 5 years
Year-to-date in 2025, IIFL Finance shares have gained 30.50%. Nifty 50 index has gained 8.57% in this period. IIFL Finance shares have outperformed the Nifty 50 index by around 21% in this period. Nifty Financial Services Index has given a return of 15.42%, year-to-date in 2025. So IIFL Finance stock has outperformed the benchmark Nifty Financial services index by more than 15% this year.
In the past 5 years, IIFL Finance shares have gained 556%. Nifty 50 index has gained 110% in this period. Nifty Financial Services index has gained 18.46% in this period. IIFL Finance shares have outperformed the Nifty 50 index by more than 400% and Nifty Financial Services index by more than 500% in the past 5 years.
IIFL Finance shares are currently trading at 12 months trailing Price-to-Earnings (P/E) ratio of 27.33. Nifty Financial Services index is trading at an average P/E ratio of 17.86. 52-week high price of the stock as on 3rd November, 2025 is Rs 559.75. 52-week low price of the stock is Rs 279.80.
Disclaimer : This content is only for informational purpose. It does not make any recommendation to act or invest.
Source : NSE, IIFL Finance
