IIFL FINANCE Results Analysis-Q3FY26

Interest Earned for Q3FY26 is Rs. 3,019 Crs., 35.34% growth YoY, Net Interest Income is Rs. 1,582 Crs, 28.1% growth YoY, Total Net Income is Rs. 1,996 Crs., 55.68% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,075 Crs., 101.31% growth YoY, PBT is Rs. 663 Crs., 556.12% growth YoY, Net profit is Rs. 501 Crs., 513.57% growth YoY (which includes 22.5 Cr. one-time impact of New Labour Code). For Q3FY26 Gross NPA 1.6% vs 2.4% in Q3FY25, Net NPA 0.8% vs 1.00% in Q3FY25. Return on Assets is 2.5% improved by 190 BPS on YoY and 30 BPS on QoQ basis, Return on Equity is 14.3% improved by 1,290 BPS on YoY and 240 BPS on QoQ basis, Closing Loan AUM as on Q3FY26 is Rs. 98,336 Crs., 37.71% growth YoY. On QoQ basis Interest Earned growth is 7%, Net Interest Income has grown by 9.95%, Total Net Income growth is 4.89%, Pre-Provisioning Operating Profit has grown by 4.15%, PBT grown by 19.09% and PAT grown by 19.96% (which includes 22.5 Cr. one-time impact of New Labour Code). Management expects ~20–25% AUM growth next year. S&P Ratings affirmed the rating at ‘B+’ and revised the outlook on IIFL Finance’s Long term Issuer Default Rating from Stable to Positive.