IIFL Finance (NSE:IIFL) Margin of Safety % (DCF Earnings Based): -3.99% (As of Jul. 05, 2026)


NSE:IIFL IIFL Finance Ltd NSE:IIFL
73 GF Score
Price ₹519.55
GF Value ₹605.73
Valuation Modestly Undervalued
! 4 Warning Signs
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What is IIFL Finance Margin of Safety % (DCF Earnings Based)?

IIFL Finance NSE:IIFL +0.16% 73 Margin of Safety % (DCF Earnings Based) is -3.99% as of Jul. 05, 2026. GuruFocus rates NSE:IIFL with a GF Score™ of 73/100 and a GF Value™ of ₹605.73 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-05), IIFL Finance's Predictability Rank is 2.5-Stars. IIFL Finance's intrinsic value calculated from the Discounted Earnings model is ₹499.60 and current share price is ₹519.55. Consequently,

IIFL Finance's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -3.99%.

NSE:IIFL vs V, MA, AXP: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, IIFL Finance's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

IIFL Finance Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, IIFL Finance's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where IIFL Finance's Margin of Safety % (DCF Earnings Based) falls into.


NSE:IIFL
73GF Score
IIFL Finance Ltd NSE:IIFL
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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IIFL Finance Margin of Safety % (DCF Earnings Based) Calculation

IIFL Finance's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(499.60-519.55)/499.60
=-3.99 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -3.99% mean?
IIFL Finance (NSE:IIFL) has a Margin of Safety % (DCF Earnings Based) of -3.99% as of Jul. 05, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on IIFL Finance.
Is IIFL Finance's Margin of Safety % (DCF Earnings Based) too high?
IIFL Finance's current Margin of Safety % (DCF Earnings Based) is -3.99%. Overall, IIFL Finance has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IIFL Finance's Margin of Safety % (DCF Earnings Based) compare to V and MA?
IIFL Finance's Margin of Safety % (DCF Earnings Based) of -3.99% 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 Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on IIFL Finance. IIFL Finance's current Margin of Safety % (DCF Earnings Based) is -3.99%. 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 Margin of Safety % (DCF Earnings Based) is -3.99%. IIFL Finance's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For IIFL Finance (NSE:IIFL), the current Margin of Safety % (DCF Earnings Based) is -3.99% as of Jul. 05, 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:

  • Margin of Safety % (DCF Earnings Based): -3.99%
  • GF Value™: ₹605.73 vs. price of ₹519.55 (14.2% below fair value)
  • GF Score™: 73/100 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

Other Exchanges 532636:India
Address N.S. Phadke Marg, 802, 8th Floor, Hub Town Solaris, Vijay Nagar, Andheri East, Mumbai, MH, IND, 400069
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.
73GF Score

Get the complete analysis for NSE:IIFL

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹519.55
Price
₹605.73
GF Value