IBL Finance Ltd.

•

iblfinance.inBSE: -NSE: IBLFL

Market Cap₹ 151 Cr.

Current Price

High / Low₹ 73 / 44

Stock P/E61.8

Book Value₹ 25

Price to Book1.88

Dividend Yield0.00 %

ROCE8.5 %

ROE4.1 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	IBLFL	61.00	61.82	150.86	0.00	—	—	—	—	8.46	—

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

No standalone quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jan 2024	Mar 2024	Sep 2024	Mar 2025	Sep 2025	Mar 2026
	62.89	63.21	63.21	63.21	63.20	63.20
	0.00	0.01	0.01	0.01	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00
	37.11	36.78	36.78	36.78	36.80	36.80

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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AI Stock Analyst

IBL Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

IBLFL

61.00

61.82

150.86

0.00

—

8.46

—

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Operating Profit

-0

OPM %

-2.16%

21.42%

30.93%

25.58%

50.92%

57.11%

Interest

Depreciation

Profit before Tax

-0

Tax %

-6.58%

24.41%

28.53%

24.77%

21.33%

23.71%

Net Profit

-0

EPS

-0.30

1.31

1.22

0.92

0.95

0.99

Dividend Payout %

0.00%

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

-0

Total Liabilities

113

129

Cash & Bank

108

124

Total Assets

113

129

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-1

-5

-7

-31

-46

-3

Cash from Investing

-0

-2

-1

Cash from Financing

-0

-2

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jan 2024

Mar 2024

Sep 2024

Mar 2025

Sep 2025

Mar 2026

62.89

63.21

63.20

0.00

0.01

0.00

DIIs

0.00

Government

0.00

37.11

36.78

36.80

IBL Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

IBL Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI