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 9.7
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1057.00 | 32.41 | 658083.37 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1046.85 | 21.76 | 246322.08 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| JIOFIN | 237.00 | 75.73 | 156494.46 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1820.00 | 27.03 | 155440.01 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 364.85 | 28.66 | 154874.05 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| BAJAJHLDNG | 11090.30 | 13.94 | 123427.84 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.45 | 10.36 | 117849.06 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.90 | 26.47 | 108651.86 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 312.10 | 24.58 | 78223.26 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 633.05 | 26.48 | 60243.77 | 0.39 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 674.80 | 25.76 | 56060.02 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| IBLFL | 58.00 | 58.78 | 143.44 | 0.00 | — | — | — | — | 8.46 | — |
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 | 21 | 31 | 26 | 52 | 58 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 1 | 0 | 3 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 |
| -0 | 1 | 3 | 3 | 3 | 3 | |
| Tax % | -7 | 24 | 29 | 25 | 21 | 24 |
| Net Profit | -0 | 0 | 2 | 2 | 2 | 2 |
| EPS | -0 | 1 | 1 | 1 | 1 | 1 |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | -0 | 0 | 1 | 1 | 1 | 1 |
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:
- -9%
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 | |
|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - |
| Equity Capital | 3 | 3 | 9 | 25 | 25 | 25 |
| -0 | 0 | 12 | 32 | 34 | 36 | |
| 0 | 6 | 0 | 5 | 0 | 1 | |
| 0 | 0 | 2 | 5 | 54 | 68 | |
| Total Liabilities | 3 | 10 | 22 | 66 | 113 | 129 |
| ASSETS | - | - | - | - | - | - |
| 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 |
| Total Debt | 0 | 6 | 0 | 5 | 44 | 58 |
| Net Working Capital | 3 | 3 | 20 | 41 | 47 | 78 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 9.57 | 10.90 | 22.74 | 22.77 | 23.72 | 24.70 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| -1 | -6 | -8 | -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 | |
| Free Cash Flow | -1 | -6 | -8 | -32 | -46 | -4 |
| OCF / Net Profit | 8.16 | -13.19 | -3.79 | -13.36 | -19.49 | -1.39 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -96 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| PER SHARE | ||||||
| EPS (₹) | -0.30 | 1.31 | 2.25 | 0.92 | 0.95 | 0.99 |
| Book Value (₹) | 9.57 | 10.90 | 22.74 | 22.77 | 23.72 | 24.70 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | -0.02 | 0.33 | 1.15 | 1.02 | 1.16 | 1.23 |
| PROFITABILITY | ||||||
| Operating Margin % | -2.11% | 21.42% | 31.13% | 25.58% | 50.92% | 57.11% |
| Net Margin % | -8.78% | 13.06% | 15.38% | 16.17% | 18.18% | 14.24% |
| ROE % | -3.17% | 12.81% | 16.90% | 5.93% | 4.10% | 4.08% |
| ROCE % | -2.81% | 9.92% | 26.63% | 8.46% | 7.54% | 8.46% |
| -2.91% | 6.27% | 12.59% | 5.16% | 2.63% | 2.02% | |
| EFFICIENCY | ||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||
| Debt to Equity (x) | 0.00x | 1.80x | 0.00x | 0.09x | 0.75x | 0.95x |
| Interest Coverage (x) | -16.83x | 7.79x | 3.34x | 8.04x | 1.94x | 1.52x |
| 14.14x | 1.52x | 14.55x | 7.10x | 14.36x | 12.18x | |
| GROWTH | ||||||
| Revenue Growth % | 0.00% | 190.51% | 306.79% | 6.14% | -8.25% | 32.30% |
| Operating Profit Growth % | 0.00% | 3043.28% | 491.23% | -10.48% | 80.81% | 48.81% |
| Net Profit Growth % | 0.00% | 532.49% | 378.96% | 11.58% | 3.15% | 3.60% |
| 0.00% | 0.00% | 0.00% | -58.99% | 3.15% | 3.60% | |
| VALUATION | ||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 56.32x | 54.55x | 47.13x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 2.28x | 2.19x | 1.88x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 34.61x | 25.33x | 16.96x |
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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