IBL Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 2.0%
- Company has delivered good sales growth of 72.4% CAGR over last 5 years
- Operating margins have improved to 57.1% from 31.1%
CONS
- Company has a low return on equity of 4.7% over last 3 years
- Company has a low return on capital employed of 8.2%
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 172.1%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Expensive relative to growth - PEG of 10.2
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1046.00 | 32.08 | 651234.82 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1038.00 | 21.58 | 244239.69 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1849.10 | 27.46 | 157925.34 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.15 | 73.86 | 152631.62 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 10971.00 | 13.79 | 122100.11 | 1.78 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2840.00 | 10.03 | 114017.05 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 400.00 | 26.68 | 109501.94 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 311.25 | 24.51 | 78010.22 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 666.00 | 27.86 | 63379.43 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 676.50 | 25.83 | 56201.25 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| IBLFL | 60.50 | 61.31 | 149.62 | 0.00 | — | — | — | — | 8.46 | — |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 1 | 3 | 13 | 14 | 13 | 17 | |
| 1 | 3 | 9 | 11 | 6 | 7 | |
| Operating Profit | -0 | 1 | 4 | 4 | 7 | 10 |
| OPM % | -2.16% | 21.42% | 30.93% | 25.58% | 50.92% | 57.11% |
| 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 1 | 0 | 3 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 |
| Profit before Tax | -0 | 1 | 3 | 3 | 3 | 3 |
| Tax % | -6.58% | 24.41% | 28.53% | 24.77% | 21.33% | 23.71% |
| Net Profit | -0 | 0 | 2 | 2 | 2 | 2 |
| EPS | -0.30 | 1.31 | 1.22 | 0.92 | 0.95 | 0.99 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 72%
- 3 Years:
- 9%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 6%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -6%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 9%
- 3 Years:
- 5%
- Last Year:
- 4%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 9 | 25 | 25 | 25 |
| -0 | 0 | 12 | 32 | 34 | 36 | |
| 0 | 6 | 0 | 8 | 51 | 62 | |
| 0 | 0 | 1 | 2 | 3 | 6 | |
| Total Liabilities | 3 | 10 | 22 | 66 | 113 | 129 |
| 0 | 0 | 0 | 2 | 2 | 2 | |
| Cash & Bank | 0 | 1 | 1 | 5 | 3 | 4 |
| 3 | 9 | 21 | 60 | 108 | 124 | |
| Total Assets | 3 | 10 | 22 | 66 | 113 | 129 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| -1 | -5 | -7 | -31 | -46 | -3 | |
| Cash from Investing | 1 | 0 | -0 | -2 | -1 | -1 |
| Cash from Financing | -0 | 6 | 8 | 36 | 44 | 5 |
| -0 | 1 | -0 | 4 | -2 | 1 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for IBLFL
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IBL Finance Ltd.
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