IIFL Finance Ltd (NSE:IIFL)

Q3 2025 IIFL Finance Ltd Earnings Call Transcript

Feb 13, 2025 / 09:00 AM GMT

Release Date Price: ₹331.5 (-1.24%)

Transcript

Key Points

Positve

IIFL Finance Ltd (BOM:532636) reported a significant quarter-on-quarter increase in profit after tax before non-controlling interest, up 188%.
The company's consolidated loan assets increased by 7% quarter-on-quarter, indicating a recovery in lending activities.
The retail nature of the portfolio remains strong, with core products like home loans, gold loans, and MSME loans constituting 98% of the overall mix.
The company maintains a positive asset-liability management (ALM) position across all buckets, ensuring liquidity and stability.
IIFL Finance Ltd (BOM:532636) has a strong capital adequacy ratio, with the NBFC at 22%, HFC at 46.2%, and microfinance at 32.2%, well above the regulatory minimum.

Negative

The profit after tax before non-controlling interest decreased by 85% year-on-year, indicating a challenging year.
Pre-provision operating profit fell by 29% quarter-on-quarter and 45% year-on-year, reflecting operational challenges.
The gross NPA increased to 2.4%, and net NPA rose to 1%, indicating deteriorating asset quality.
The assigned loan book declined by 33% year-on-year and 11% quarter-on-quarter, affected by regulatory constraints.
The average cost of borrowing increased, impacting profitability, with a 9 basis points rise year-on-year.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

IIFL.NS - IIFL Finance Ltd
Q3 2025 IIFL Finance Ltd Earnings Call
Feb 13, 2025 / 09:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q3 F5 25 earnings conference call of IIFL Finance Limited.

As a reminder, all participant lines will be in the listener mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing the star, then 0 on your touchdown phone. Please note that this conference is being recorded.

I now hand the conferences over to the management for the opening comments.

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Unidentified_2 [2]
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