IIFL Finance ka Profit Toofani Tezi Se Bhaga! Q4 mein dikhaya **148%** ka dhamaka!

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AuthorKavya Nair|Published at:
IIFL Finance ka Profit Toofani Tezi Se Bhaga! Q4 mein dikhaya **148%** ka dhamaka!
Overview

Arre yaar, IIFL Finance ne toh kamaal hi kar diya! Q4 FY26 mein company ka profit seedha **148%** bhaag gaya. Gold loan mein zabardast growth dikhaya aur Motilal Oswal ne bhi **₹600** ka target de diya.

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Q4 Mein Aaya Dhamaal!

Asal mein hua kya, company ne Q4 FY26 mein ₹623.26 Crore ka profit kamaya, jo pichhle saal ke muqable 148% zyada hai. Total income bhi 51% badh kar ₹2,090 Crore ho gayi. Loan book mein toh zabardast expansion hua, khaas kar gold loan toh 150% upar bhaga pichhle saal ke comparison mein, aur quarter-on-quarter bhi 21% badha! Yeh sab dekh kar Motilal Oswal ne apna BUY rating pakka rakha aur target price ko ₹600 set kiya hai. Unhone EPS forecast bhi 6% badha diya. Stock toh April 2026 mein around ₹447 par chal raha tha.

Valuation aur Dusre Players Ka Kya Scene Hai?

Ab valuation ki baat karein toh kuch reports ke hisab se IIFL ka TTM P/E ratio 10.46x se 11.4x ke beech mein hai, jo NBFC sector ke hisab se theek lag raha hai. Motilal Oswal ka FY27E ke liye P/E 8x ke aas paas hoga, jabki Bajaj Finance jaise bade players 29.9x se 32.3x par trade kar rahe hain. NBFC sector overall ₹50 lakh Crore tak pahunchne wala hai 2027 tak. IIFL ka credit growth bhi kafi strong raha hai.

Risk Toh Hai Boss!

Lekin bhai, sab kuch itna hi smooth nahi hai. IIFL Finance ka sabse bada risk hai gold loan par bahut zyada depend karna. Agar gold price mein gadbad hui toh company ko dikat aa sakti hai. Iske alawa, 2024 ki shuruat mein RBI ne gold loan par temporarily ban bhi lagaya tha compliance issues ke karan, haalanki woh hat gaya hai. Income Tax department ke bhi kuch audits chal rahe hain, jinka result abhi aana baaki hai. Yeh sab cheezein investors ko thoda sochne par majboor karti hain, khaskar jab Bajaj Finance jaise diversified companies ko dekho toh.

Aage Kya Hone Wala Hai?

Aage ki baat karein toh IIFL Finance FY27 mein AUM badhane ka plan kar rahi hai aur ₹10,000 Crore tak raise karne ki permissions bhi mil gayi hai. Analysts ka maan na hai ki FY27E tak P/E 8x ke aas paas hoga, aur FY28 tak RoA 2.7% aur RoE 18% ho sakta hai. Overall 'Strong Buy' recommendation hai aur average target price ₹620 se ₹707.50 ke beech mein hai. Par stock ke recent technical indicators thode bearish dikh rahe hain, jisse lagta hai ki fundamentals aur market sentiment mein thoda gap hai.

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Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.