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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Sales over the Year and quarter: The company’s sales declined by -7.74 % over the year, decrease in net sales/revenue by -5.03 %. 🔹 Income over the Year and quarter: There has been decline in other income over the past year which is -86.37 %, Marginal increase in other income during this quarter, up by 101.1%. 🔹 Profit over the Year and quarter: Challenges in sustaining profitability for IIFL Finance Limited. Profit dropped by -85.01 % Year to Year, IIFL Finance Limited’s profitability dropped by -187.79 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS declined by -92.53 % Year to Year. EPS decreased by -125.81 % in previous quarter. Analysis needed for shareholder value.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 2647.481 Cr | Rs. 2571.9 Cr | Rs. 2442.58 Cr | -5.03 % | -7.74 % |
| Expenses | Rs. 944.7 Cr | Rs. 1104.83 Cr | Rs. 1306.63 Cr | + 18.27 % | + 38.31 % |
| Operating Profit | Rs. 1702.78 Cr | Rs. 1467.07 Cr | Rs. 1135.95 Cr | -22.57 % | -33.29 % |
| OPM % | 64.32 % | 57.04 % | 46.51 % | -10.53 % | -17.81 % |
| Other Income | Rs. 46.883 Cr | Rs. -581.81 Cr | Rs. 6.39 Cr | + 101.1 % | -86.37 % |
| Interest | Rs. 988.5 Cr | Rs. 978.78 Cr | Rs. 995.65 Cr | + 1.72 % | + 0.72 % |
| Depreciation | Rs. 44.84 Cr | Rs. 46.15 Cr | Rs. 45.65 Cr | -1.08 % | + 1.81 % |
| Profit before tax | Rs. 716.32 Cr | Rs. -139.67 Cr | Rs. 101.04 Cr | + 172.34 % | -85.89 % |
| Tax % | 23.89 % | -33.36 % | 19.13 % | + 52.49 % | -4.76 % |
| Net Profit | Rs. 545.19 Cr | Rs. -93.07 Cr | Rs. 81.71 Cr | + 187.79 % | -85.01 % |
| EPS in Rs | Rs. 12.7 | Rs. -3.72 | Rs. 0.95 | + 125.54 % | -92.52 % |
Today, we’re looking at IIFL Finance Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a significant year-over-year sales decline of -7.74 %. However, it did see a marginal slip of -5.03 % from the previous quarter. Expenses ticked up slightly by 18.27 % quarter-on-quarter, aligning with the annual rise of 38.31 %. Operating profit, while down -33.29 % compared to last year, faced a quarter-on-quarter dip of -22.57 %, signaling a short-term contraction in margins.
The Operating Profit Margin (OPM) % contradicts this narrative, showing weakness on an annual basis with a decrease of -17.81 %, but a shrinkage of -10.53 % sequentially. Other income rose by 101.1 % compared to the last quarter, despite an annual decline of -86.37 %. Interest expenses surged remarkably by 1.72 % from the previous quarter, yet the year-over-year increase remains at a moderate 0.72 %. Depreciation costs fell by -1.08 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 1.81 %. Profit before tax declined annually by -85.89 % but saw an increase from the preceding quarter by 172.34 %.
Tax expenses as a percentage of profits decreased slightly by -4.76 % compared to last year, with a more notable quarter-on-quarter increase of 52.49 %. Net profit fell by -85.01 % year-on-year but experienced a 187.79 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual downturn of -92.52 % but a quarterly rise of 125.54 %. In summary, IIFL Finance Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 2647.481 Cr | Rs. 2571.9 Cr | Rs. 2442.58 Cr | -5.03 % | -7.74 % |
| Expenses | Rs. 944.7 Cr | Rs. 1104.83 Cr | Rs. 1306.63 Cr | + 18.27 % | + 38.31 % |
| Operating Profit | Rs. 1702.78 Cr | Rs. 1467.07 Cr | Rs. 1135.95 Cr | -22.57 % | -33.29 % |
| Net Profit | Rs. 545.19 Cr | Rs. -93.07 Cr | Rs. 81.71 Cr | + 187.79 % | -85.01 % |
| EPS in Rs | Rs. 12.7 | Rs. -3.72 | Rs. 0.95 | + 125.54 % | -92.52 % |
In reviewing IIFL Finance Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales experienced a decrease of -7.74 % year-on-year, although there was a slight dip of -5.03 % from the previous quarter. Expenses rose by 38.31 % compared to the previous year, with a 18.27 % increase quarter-on-quarter. Operating Profit dropped by -33.29 % annually, and saw a -22.57 % decrease from the last quarter.
Net Profit showed yearly decrease of -85.01 %, and experienced a 187.79 % increase from the previous quarter. Earnings Per Share (EPS) fell by -92.52 % annually, however rose by 125.54 % compared to the last quarter. In essence, while IIFL Finance Limited faces strong annual decline indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.
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