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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
IIFL Finance
IIFL Finance (IIFL) investor relations material
IIFL Finance Q2 26/27 Investor call earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 Investor call earnings summary27 Oct, 2026
Executive summary
Q2FY27 consolidated loan AUM reached ₹1,24,268 Cr, up 8% QoQ and 38% YoY; gold loans were 52.9% of AUM, supporting the focus on secured lending.
Consolidated PAT pre-NCI was ₹805.01 Cr, up 93% YoY; PAT post-NCI was ₹766.4 Cr, up 104% YoY.
Joint statutory auditors issued unmodified limited-review conclusions on the standalone and consolidated results.
Financial highlights
Consolidated NII rose 13% QoQ to ₹1,480 Cr; total income was ₹2,339.6 Cr, up 23% YoY, and loan-loss provisions fell 5% QoQ to ₹281 Cr.
Consolidated Q2 PPOP was ₹1,355.1 Cr, up 8% QoQ and 31% YoY; PBT was ₹1,073.7 Cr, up 16% QoQ and 93% YoY.
H1FY27 consolidated PAT pre-NCI was ₹1,518.14 Cr versus ₹692.11 Cr; PAT post-NCI was ₹1,441.5 Cr, up 136% YoY.
Consolidated Q2 revenue from operations was ₹4,246.45 Cr versus ₹3,305.11 Cr YoY; basic EPS was ₹18.00 versus ₹8.86.
Standalone AUM rose 11% QoQ to ₹70,382 Cr; PAT was ₹548.53 Cr, up 17% QoQ, and H1FY27 PAT was ₹1,016 Cr.
Outlook and guidance
FY27 targets: ~25% ROE, 16–20% AUM growth, 1.5–1.7% credit costs and 3.1–3.3% ROA; equity raise amount may affect targets.
FY28–FY30 targets: ~20% AUM CAGR, 1.0–1.2% credit costs, 3.6–3.8% ROA, 18–20% ROE and ~40% off-book loan assets.
Equity raise aims to lift standalone capital adequacy from 17% to above 20%; target completion by Dec. 31, 2026.
Credit costs expected within FY guidance despite potential modest delinquency increases; offshore funding not planned near term while hedged costs exceed local funding costs.
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Latest events from IIFL Finance
- Broking-led growth, a successful IPO and planned national expansion define FY05.IIFL
Q4 04/05 - FY06 income surged 182%, with strong growth beyond equities broking.IIFLQ4 05/06
- Revenue surged 95.2% as rapid expansion broadened the financial-services mix.IIFLQ4 06/07
- FY08 income surged 140%, with diversified growth offsetting volatile markets and a one-time charge.IIFLQ4 07/08
- Revenue rose 28% as broking, wealth and investment banking accelerated.IIFLQ4 09/10
- Financing drove strong revenue and EBITDA growth, while borrowing costs and broking yields pressured profit.IIFLQ4 10/11
- Financing and commodities growth softened a 5.9% decline in consolidated income.IIFLQ4 08/09
- Record FY13 profit was powered by lending growth and a more diversified revenue mix.IIFLQ4 12/13
- Lending drove FY12 growth, but soaring finance costs cut earnings despite higher revenue.IIFLQ4 11/12
Next IIFL Finance earnings date
Q3 26/2721 Jan, 2027
IIFL Finance
Next IIFL Finance earnings date
Q3 26/2721 Jan, 2027
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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).