IIFL Finance (NSE:IIFL) LT-Debt-to-Total-Asset: 0.78 (As of Mar. 2026)

What is IIFL Finance LT-Debt-to-Total-Asset?

IIFL Finance NSE:IIFL +0.16% 77 LT-Debt-to-Total-Asset is 0.78 as of Mar. 2026. GuruFocus rates NSE:IIFL with a GF Score™ of 77/100 and a GF Value™ of ₹605.73 (Modestly Undervalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. IIFL Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.78.

IIFL Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.76) to Mar. 2026 (0.78). It may suggest that IIFL Finance is progressively becoming more dependent on debt to grow their business.

IIFL Finance (NSE:IIFL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

IIFL Finance LT-Debt-to-Total-Asset Related Terms

IIFL Finance LT-Debt-to-Total-Asset Historical Data

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The historical data trend for IIFL Finance's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

IIFL Finance LT-Debt-to-Total-Asset Chart

IIFL Finance Annual Data

Trend

Mar17

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Mar21

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Mar26

LT-Debt-to-Total-Asset

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0.79

0.76

0.78

IIFL Finance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.76	0.00	0.77	0.00	0.78

77GF Score

IIFL Finance Ltd NSE:IIFL

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IIFL Finance LT-Debt-to-Total-Asset Calculation

IIFL Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	696356.4	/	890590.4
	=	0.78

IIFL Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	696356.4	/	890590.4
	=	0.78

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.78 mean?

IIFL Finance (NSE:IIFL) has a LT-Debt-to-Total-Asset of 0.78 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on IIFL Finance and its competitors.

Is IIFL Finance's LT-Debt-to-Total-Asset too high?

IIFL Finance's current LT-Debt-to-Total-Asset is 0.78. Overall, IIFL Finance has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does IIFL Finance's LT-Debt-to-Total-Asset compare to V and MA?

IIFL Finance's LT-Debt-to-Total-Asset of 0.78 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on IIFL Finance and its competitors. IIFL Finance's current LT-Debt-to-Total-Asset is 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is IIFL Finance stock overvalued right now?

Based on GuruFocus' analysis, IIFL Finance (NSE:IIFL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹605.73, compared to a current price of ₹519.55 — trading 14.2% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.78. IIFL Finance's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For IIFL Finance (NSE:IIFL), the current LT-Debt-to-Total-Asset is 0.78 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is IIFL Finance (NSE:IIFL) Overvalued in 2026?

Based on GuruFocus' analysis, IIFL Finance stock appears to be undervalued. The current stock price of ₹519.55 is trading 14.2% below its estimated GF Value™ of ₹605.73. GuruFocus considers IIFL Finance to be Modestly Undervalued.

Key valuation signals for NSE:IIFL:

LT-Debt-to-Total-Asset: 0.78
GF Value™: ₹605.73 vs. price of ₹519.55 (14.2% below fair value)
GF Score™: 77/100 with 4 warning signs

No single metric tells the full story. See the NSE:IIFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

IIFL Finance Business Description

Industry Financial Services Credit Services

Comparable Companies BOM:531595 BOM:500106 BOM:541770 BOM:543663 BOM:531213 BOM:504973 BOM:543959 BOM:544026 BOM:540749 BOM:544027 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 532636:India

Address N.S. Phadke Marg, 802, 8th Floor, Hub Town Solaris, Vijay Nagar, Andheri East, Mumbai, MH, IND, 400069

Website https://www.iifl.com

IIFL Finance Ltd and its subsidiaries provide financial services in India. The company is based in India and generates all revenue domestically. It operates under two primary business units: core products and synergistic products. Core products account for the firm's offerings of home loans, gold loans, business loans, and microfinance solutions. Synergistic products involve the company's operations in capital markets, construction, and real estate. Home loans and business loans together make up the operating component of its product offerings.

77GF Score

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₹519.55

Price

₹605.73

GF Value

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