IIFL Finance (NSE:IIFL) Moat Score: 0/10 (As of Jul. 05, 2026)


NSE:IIFL IIFL Finance Ltd NSE:IIFL
77 GF Score
Price ₹519.55
GF Value ₹605.73
Valuation Modestly Undervalued
! 4 Warning Signs
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What is IIFL Finance Moat Score?

IIFL Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

IIFL Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes IIFL Finance might have No Moat - No discernible moat.

IIFL Finance  (NSE:IIFL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

IIFL Finance Moat Score Related Terms

NSE:IIFL
77GF Score
IIFL Finance Ltd NSE:IIFL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • 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

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.
77GF Score

Get the complete analysis for NSE:IIFL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹519.55
Price
₹605.73
GF Value