IIFL
IIFL Finance Limited
If management delivers what it guided
arithmetic on filed guidance and past valuations · not a price target
IIFL
FY26 → FY27 · 1 year of guidance · ~0.7 years from today₹609 today
BEAR
₹387
-36%
9.9% a year · 9x exit
BASE
₹515
-15%
17.1% a year · 11.3x exit
BULL
₹786
+29%
23.2% a year · 16.3x exit
Where the market has priced it
6x16x today36x
How these numbers are produced
| Earnings base | FY26 fiscal year EPS ₹39 (screener) |
|---|---|
| Guided growth | 17.1% a year, said on the call of 07-May-2026 · transcript |
| Read across as | operating: unlabelled growth figure, read as revenue — medium confidence |
| Delivery calibration | 0.58x / 1x / 1.36x of what was guided — measured: 76 annual guided-vs-filed pairs + 77 near-complete quarterly years — NSE transcripts against the companies' own filings |
| Exit multiple | 9x / 11.26x / 16.34x, this company’s own p20 / median / p80 across 10 filed years |
| Filed-industry peers | median 16x across 36 peers — the cross-check, not the input |
| Arithmetic | base EPS × (1 + guided growth × delivery)1 × exit multiple |
Arithmetic on management’s own guidance and this company’s own past valuations. Not a price target, not a recommendation, and not a forecast of what the stock will do.
What management said
from NSE earnings-call filings · extracted, not interpreted
book growth 20%generic growth 20%
And on the FY '27 next year, now AUM growth of 20%, 25% we are looking at.
Call 07-May-2026 · bridge confidence medium · transcript PDF