IIFL FinanceBOM:532636 +0.23%69 Net Margin % is 28.27% as of Mar. 2026, which is 11% above its 10-year median of 25.49. GuruFocus rates BOM:532636 with a GF Score™ of 69/100 and a GF Value™ of ₹605.61 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 530 Credit Services companies, IIFL Finance ranks better than 62.45% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IIFL Finance's Net Income for the
three
months ended in Mar. 2026 was ₹5,868 Mil. IIFL Finance's Revenue for the
three
months ended in Mar. 2026 was ₹20,757 Mil. Therefore, IIFL Finance's net margin for the quarter that ended in Mar. 2026 was 28.27%.
The historical rank and industry rank for IIFL Finance's Net Margin % or its related term are showing as below:
BOM:532636'
s Net Margin % Range Over the Past 10 Years
Min: 6.57 Med: 25.49 Max: 48.36
Current: 21.69
BOM:532636's Net Margin % is ranked better than 62.45% of 530
companies
in the Credit Services industry
Industry Median: 14.76
vs BOM:532636: 21.69
IIFL Finance (BOM:532636) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
IIFL Finance Net Margin % Related Terms
IIFL Finance Net Margin % Historical Data
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The historical data trend for IIFL Finance's Net Margin % 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.
For the Credit Services subindustry, IIFL Finance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IIFL Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where IIFL Finance's Net Margin % falls into.
* 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 (BOM:532636) has a Net Margin % of 28.27% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on IIFL Finance and its competitors. This is 11% above median its historical median of 25.49. Over the past decade, IIFL Finance's Net Margin % has ranged from 6.57 to 48.36. According to the industry distribution chart, IIFL Finance ranks #199 out of 530 companies in the Credit Services industry, placing it in the top 37.5%.
Is IIFL Finance's Net Margin % too high?
IIFL Finance's current Net Margin % of 28.27% is 11% above median its 10-year median of 25.49. Over the past 10 years, this metric has ranged from a low of 6.57 to a high of 48.36. The Credit Services industry median Net Margin % is 14.76. IIFL Finance's value of 28.27% is 91.5% above this industry median. Based on the distribution chart, IIFL Finance ranks #199 out of 530 companies in the Credit Services industry, which is above the industry midpoint. Overall, IIFL Finance has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does IIFL Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IIFL Finance ranks #199 out of 530 companies for Net Margin %. This puts IIFL Finance in the upper half of its industry. The industry median Net Margin % is 14.76. IIFL Finance's value of 28.27% is 91.5% above this benchmark. Historically, IIFL Finance's own Net Margin % has ranged from 6.57 to 48.36 over the past decade. While the company's 10-year median is 25.49 vs. the industry median of 14.76, IIFL Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.76, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IIFL Finance's current Net Margin % of 28.27% is 91.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on IIFL Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IIFL Finance's current Net Margin % is 28.27%, which is 11% above median its own 10-year median of 25.49. 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 (BOM:532636) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹605.61, compared to a current price of ₹519.45 — trading 14.2% below its estimated fair value. The current Net Margin % is 28.27%, which is 11% above median its 10-year median of 25.49 and 91.5% above the Credit Services industry median of 14.76. IIFL Finance's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For IIFL Finance (BOM:532636), the current Net Margin % is 28.27% 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 (BOM:532636) Overvalued in 2026?
Based on GuruFocus' analysis, IIFL Finance stock appears to be undervalued.
The current stock price of ₹519.45 is trading 14.2% below its estimated GF Value™ of ₹605.61.
GuruFocus considers IIFL Finance to be Modestly Undervalued.
Key valuation signals for BOM:532636:
Net Margin %: 28.27% (11% above median its 10-year median of 25.49)
GF Value™: ₹605.61 vs. price of ₹519.45 (14.2% below fair value)
Industry Position: 91.5% above the Credit Services median (#199 of 530)
No single metric tells the full story. See the BOM:532636 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
69GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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