Dashboard/IIFLCAPS

IIFLCAPS

OVERVALUED

IIFL Capital Services Limited

Financial Services · NSE

↓ 38.4% vs fair value

52W Low

₹180

+47.5% from low

52W High

₹411

-35.4% from high

News sentiment (1 articles)

1 bull0 neutral0 bear

Valuation Gauge

OVERVALUED-38.4% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹266

Fair Value

₹192

Fair Value Analysis

₹192

Based on balance sheet strength analysis and book value multiple for Financial Services sector companies | Sector-cheap: P/E at 16th percentile vs sector peers. | ROCE improving (latest 32.4%) — capital allocation becoming more efficient.

Medium confidence

Balance Sheet Value

39% weight

₹211

P/B Multiple

62% weight

₹180

Price vs Market

IIFLCAPS

Nifty 50

Shareholding Pattern

Stock Health Score

Financially Strong

8.6 / 10

Profitability

10/10

ROE of 24.0% is above the Financial Services sector benchmark of 18% — strong returns

Debt & Leverage

10/10

D/E ratio of 0.6x is well within the Financial Services sector norm of 4.0x — strong balance sheet

Valuation vs Peers

10/10

P/E of 11.8x trades at a 82% discount to Financial Services sector median (65x) — attractively valued

Cash Flow

7/10

Positive operating cash flow of ₹823 Cr — healthy for Financial Services sector

Earnings Growth

8/10

5yr EPS CAGR of 32.5% is in line with the Financial Services sector average of 23.9%

Dividend

6/10

Dividend yield of 1.2% provides moderate shareholder returns

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

8.6%

Free cash flow / market cap

Revenue Growth (YoY)

+3.9%

Year-on-year revenue change

Profit Growth (YoY)

-5.1%

Year-on-year PAT change

Operating Cash Flow

₹871 Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹22

P/E Ratio

11.8x

P/B Ratio

2.9x

ROE

24%

ROCE

37.8%

Debt / Equity

0.62x

Beta

0.4

Div Yield

1.1%

FCF (Cr)

₹823 Cr

Revenue (Cr)

₹1,986 Cr

EPS Growth 5Y

32.5%

Mkt Cap (Cr)

₹8,138 Cr

52W High

₹411.3

52W Low

₹180

Book Value/Share

₹89.9

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	₹2.3K Cr	₹810 Cr	35.0%	₹577 Cr	₹18.52
2025-03-31	₹2.5K Cr	₹1.1K Cr	44.0%	₹713 Cr	₹22.98
2024-03-31	₹2.2K Cr	₹933 Cr	42.0%	₹513 Cr	₹16.64
2023-03-31	₹1.4K Cr	₹475 Cr	35.0%	₹250 Cr	₹8.19
2022-03-31	₹1.3K Cr	₹546 Cr	42.0%	₹306 Cr	₹10.07
2021-03-31	₹841 Cr	₹354 Cr	42.0%	₹220 Cr	₹7.27
2020-03-31	₹758 Cr	₹326 Cr	43.0%	₹234 Cr	₹7.32
2019-03-31	₹870 Cr	₹409 Cr	47.0%	₹171 Cr	₹91.58
2018-03-31	₹933 Cr	₹441 Cr	47.0%	₹181 Cr	₹96.47

Compounded Growth Rates

Sales Growth

3Y+19.3%

5Y+22.4%

10Y—

Profit Growth

3Y+32.2%

5Y+21.3%

10Y—

EPS Growth

3Y+31.3%

5Y+20.6%

10Y—

Peer Comparison

Financial Services

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
MAHSCOOTER Maharashtra Scooters Limited	₹11,800	₹21,844.1	+46.0%	36.4	1.1%	FAIRLY_VALUED
KTKBANK The Karnataka Bank Limited	₹229.6	₹388.7	+40.9%	7.5	9.7%	UNDERVALUED
JMFINANCIL JM Financial Limited	₹122	₹135	+9.6%	9.4	12.4%	FAIRLY_VALUED
SHAREINDIA Share India Securities Limited	₹130.4	₹140.6	+7.2%	10.1	11.4%	FAIRLY_VALUED
GEOJITFSL Geojit Financial Services	₹57.5	₹57.4	-0.2%	17.2	14.2%	FAIRLY_VALUED
JSFB Jana Small Finance Bank Limited	₹385.5	₹337.8	-14.1%	12.6	7.3%	FAIRLY_VALUED
TATAINVEST Tata Investment Corporation Limited	₹595	₹518.8	-14.7%	72.5	1.3%	FAIRLY_VALUED
TSFINV TSF INVESTMENTS LIMITED	₹357.4	₹296.2	-20.7%	16.8	8.0%	OVERVALUED