IIFL Finance Ltd (NSE:IIFL)

Q1 2026 IIFL Finance Ltd Earnings Call Transcript

Jul 31, 2025 / 09:00 AM GMT

Release Date Price: ₹477.95 (-5.14%)

Transcript

Key Points

Positve

IIFL Finance Ltd (BOM:532636) reported a 21% year-over-year growth in consolidated loan AUM, driven by strong performance in the gold loan segment.
The company achieved a 28% quarter-on-quarter increase in pre-provision operating profit, indicating improved operational efficiency.
Gold loan business reached an all-time high, recovering fully from the previous year's embargo.
The company has strengthened its governance and risk architecture, enhancing its leadership team and focusing on tech-led execution.
IIFL Finance Ltd (BOM:532636) maintains a strong capital adequacy ratio of 28.4%, well above the regulatory requirement, ensuring financial stability.

Negative

Asset quality issues persist, particularly in the MSME and microfinance segments, leading to elevated credit costs.
The company's quarterly average cost of borrowing increased by 34 basis points year-over-year, impacting profitability.
There is a noted deterioration in asset quality across most segments except gold and capital markets.
The unsecured MSME and micro-lending segments have been discontinued due to high risk, impacting future growth potential in these areas.
The company anticipates higher credit costs for the fiscal year, potentially reaching 3.5%, which could pressure margins.

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

IIFL.NS - IIFL Finance Ltd
Q1 2026 IIFL Finance Ltd Earnings Call
Jul 31, 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 IIFL finance Q1FY26 earnings conference call. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing then 0 on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to the management.

Thank you and over to you.

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Unidentified_2 [2]
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Hi, thank you very much.

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