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IBL Finance

IBLFL NSE
₹59.10 −0.30 (−0.51%)
P/E
39.40
View as Markdown
MCP
Close 4 Nov 2026 ₹59.10 −8.95 −13.2% 1Y
Start ₹68.05

Key Fundamentals

SMEFinanceFinancial Services

Price-based figures as of · TTM

Debt to Equity
0.95
EPS (TTM)
₹1.50
Book Value
₹24.70
Market Cap
—
P/E (TTM)
39.40
P/B
2.39
ROE
4.07%
Dividend Yield
0.00%
52W High
₹72.80
52W Low
₹43.95
Day Range
₹58.00 – ₹59.10
Volume
1,12,000
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

IBL Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
IBL Finance (this company)
₹59.1039.40₹143 Cr2.390.00%4.07%—₹21 Cr₹4 Cr
Median 8 companies₹730.8823.80₹1,22,695 Cr2.710.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

50 Average

Data confidence 94/100

Category scores

Quality
59
Good
Returns, margins, earnings quality 22% weight
Valuation
30
Poor
Cheap vs sector & own history 24% weight
Growth
65
Good
Sales & profit trajectory 9% weight
Financial Health
39
Weak
Solvency, leverage, coverage 9% weight
Momentum
60
Good
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

No strengths listed

Weaknesses

4
  • Stock is trading at 2.52 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 4.55% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1072
OscillatorsBearish270
Moving AveragesStrong Bearish802

Key readings

RSI (14)
44.82
Neutral
MACD (12,26,9)
−0.23
Bearish
SMA (50)
61.02
Bearish
SMA (200)
58.54
Bullish

As of

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025.

Revenue

Revenue growth by window
5Y+72.60%
3Y+9.10%
1Y+32.54%

Net profit

Net profit growth by window
5YTurned to profit
3Y+5.98%
1Y+3.39%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Trailing twelve months: Results are not reported for each of the last eight quarters, so there is no trailing-twelve-month figure.

Revenue by year

Revenue by year, ₹ crore
Mar 2020₹1.07 Cr
Mar 2021₹1.13 Cr
Mar 2022₹3.27 Cr
Mar 2023₹13.33 Cr
Mar 2024₹14.22 Cr
Mar 2025₹13.06 Cr
Mar 2026₹17.31 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2020−₹0.05 Cr
Mar 2021−₹0.10 Cr
Mar 2022₹0.43 Cr
Mar 2023₹2.05 Cr
Mar 2024₹2.28 Cr
Mar 2025₹2.36 Cr
Mar 2026₹2.44 Cr

Half-yearly Results

₹ Cr
IBLFL half-yearly results, ₹ crore
Particulars Sep 2022Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Mar 2026
Revenue
5.68
6.52
7.6
5.88
7.08
8.16
8.99
Expenses
4.45
4.65
5.87
3.23
3.12
3.52
3.84
Financing Profit
1.18
1.76
1.41
1.93
1.49
1.88
1.72
Fin. Margin %
20.77%
26.99%
18.55%
32.82%
21.05%
23.04%
19.13%
Other Income
0
0
0.1
0.02
0.08
0.09
0.1
Interest
0.05
0.11
0.32
0.72
2.47
2.76
3.43
Depreciation
0.02
0.07
0.17
0.2
0.32
0.29
0.3
PBT
1.16
1.69
1.34
1.75
1.25
1.68
1.52
Tax %
25.86%
21.3%
29.1%
22.29%
19.2%
26.19%
21.05%
Net Profit
0.86
1.33
0.95
1.35
1
1.24
1.2
EPS (₹)
2.64
0.73
0.38
0.55
0.4
0.5
0.49

Profit & Loss

₹ Cr
IBLFL profit and loss, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue
1.07
1.13
3.27
13.33
14.22
13.06
17.31
Expenses
1.07
1.15
2.56
9.18
10.51
6.36
7.35
Financing Profit
0
−0.03
0.62
2.92
3.28
3.51
3.78
Fin. Margin %
0%
−2.65%
18.96%
21.91%
23.07%
26.88%
21.84%
Other Income
0
0
0
0
0
0
0.01
Interest
0
0.01
0.09
1.23
0.43
3.19
6.18
Depreciation
0.04
0.06
0.05
0.05
0.24
0.52
0.59
PBT
−0.04
−0.09
0.57
2.87
3.04
2.99
3.2
Tax %
25%
11.11%
24.56%
28.57%
24.67%
21.4%
23.75%
Net Profit
−0.05
−0.1
0.43
2.05
2.28
2.36
2.44
EPS (₹)
−0.15
−0.31
1.32
2.26
0.92
0.95
0.99
Div. Payout %
0%
0%
0%
0%
0%
0%
0%

Balance Sheet

₹ Cr
IBLFL balance sheet, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3.26
3.26
3.26
9.09
24.73
24.73
24.73
Reserves
−0.03
−0.13
0.29
11.58
31.57
33.93
36.37
Borrowing
0
0
6.41
0.09
4.91
44.17
57.85
Other Liabilities
0.14
0.26
0.27
1.51
5.15
10.05
10.91
Total Liabilities
3.37
3.39
10.23
22.27
66.36
113
130
Fixed Assets
0.12
0.09
0.12
0.17
1.53
1.63
1.61
CWIP
0
0
0
0
0
0
0
Investments
0
0
0
0
0
0
0
Other Assets
3.25
3.3
10.11
22.1
64.83
111
128
Total Assets
3.37
3.39
10.23
22.27
66.36
113
130

Cash Flow

₹ Cr
IBLFL cash flow, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−0.63
−0.81
−5.64
−7.75
−30.51
−45.9
−3.4
Investing
0.6
0.66
0.12
−0.13
−1.58
−0.61
−0.54
Financing
0.5
0
6.39
7.65
36.25
44.14
4.8
Net Cash Flow
0.47
−0.16
0.87
−0.24
4.15
−2.37
0.85
Free Cash Flow
−0.69
−0.78
−5.67
−7.85
−32.1
−46.51
−3.96
CFO/OP
—
4,000
−775
−167
−799
−674
−25

Ratios

IBLFL financial ratios, annual
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
−1.55%
−3.14%
12.87%
16.93%
5.92%
4.12%
4.07%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view IBL Finance insights

36 extracted metrics across FY20–FY26.

Shareholding Pattern

As of Sep 2026

  • Promoters 63.18%
  • Public 26.22%
  • Others 10.60%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about IBL Finance

What does IBL Finance Ltd do?
Incorporated in 2023, IBL Finance Ltd is in the business of lending through digital platforms, with a primary focus on SME loans
Where is IBL Finance Ltd (IBLFL) listed?
IBL Finance Ltd trades as IBLFL on the NSE.
Which sector does IBL Finance Ltd belong to?
IBL Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of IBL Finance Ltd?
IBL Finance Ltd trades at a PE ratio of 39.40 as of 4 Nov 2026, on earnings per share of ₹1.5, against a book value of ₹24.7 per share.
What is the 52-week high and low of IBL Finance Ltd?
Over the last 52 weeks IBL Finance Ltd has traded between ₹43.95 and ₹72.8 as of 4 Nov 2026.
What is the Return on Equity (ROE) of IBL Finance Ltd?
IBL Finance Ltd reported a return on equity of 4.07%. Its debt-to-equity ratio is 0.95.

Company Information

Incorporated in 2023, IBL Finance Ltd is in the business of lending through digital platforms, with a primary focus on SME loans

Website iblfinance.in
Listed 16 Jan 2024
Face Value ₹10

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