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IIFL Finance
IIFL Finance (IIFL) investor relations material
IIFL Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary22 Jan, 2026
Executive summary
Q3 FY26 and nine months results show strong growth, improved asset quality, and a strengthened balance sheet, with loan assets up 9.1% quarter-on-quarter, led by gold loans; total AUM at ₹98,336 crore.
PAT (pre NCI) for Q3FY26 rose 20% YoY to ₹501.3 crore; nine months PAT at ₹1,193.5 crore, up 265% YoY.
Exited high-risk segments, focusing on gold and mortgage lending, and implemented AI-led risk systems.
Interim dividend of ₹4 per share declared, with record date set for January 29, 2026.
S&P reaffirmed the rating and revised the outlook to positive.
Financial highlights
Consolidated profit after tax before non-controlling interest was ₹501.35 crore for Q3 FY26; nine months: ₹1,193.46 crore.
Pre-provision operating profit reached ₹1,075 crore, up 101% YoY and 4% QoQ.
Consolidated AUM grew 38% YoY and 9.1% QoQ to ₹98,336 crore, with gold loan AUM at ₹43,432 crore.
Basic EPS at ₹10.92 for Q3 FY26; book value per share at ₹306.85.
Cost to income ratio at 46.4%; opex to AUM at 3.9%.
Outlook and guidance
Expecting 20%-25% AUM growth in FY27, with home loans targeted to grow 15%-16% and disbursements 24%-25%.
Gold loan portfolio expected to maintain strong growth if gold prices remain stable.
Credit costs guided to decline to below 2% next year, from current 2.5%.
Internal ROE target of 18%-20% in the next two to three years.
Company continues to monitor regulatory changes and cooperate with authorities on ongoing tax matters.
When will IT audit financial impact be known?
What was the reason for the NPA re-assessment?
What is the basis for GST demand on interest income?
Special audit timeline and next steps
Capital raise triggers for gold loan growth
Housing finance new strategy impact on yield
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Next IIFL Finance earnings date
Q4 25/268 May, 2026
IIFL Finance
Next IIFL Finance earnings date
Q4 25/268 May, 2026
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Frequently asked questions
IIFL Finance Limited (formerly known as India Infoline Finance Limited) is a diversified financial services company in India. The company provides a range of financial products and services, including home loans, personal loans, business loans, and wealth management services. It caters to both retail and corporate customers, offering solutions tailored to their financial needs. The company's business operations extend across various sectors, contributing to its comprehensive service portfolio. It's part of the broader IIFL Group, which has interests in multiple areas of finance, including non-banking financial services, wealth management, and securities brokerage. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the National Stock Exchange of India (NSE) and the Bombay Stock Exchange (BSE).
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