IRB InvIT Fund
•Add ratio to table
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 5.5%
- Latest quarter profit grew 2965.6% YoY, showing strong momentum
- Company has consistently been profitable over the last 5 years
- Operating margins have improved to 97.1% from 88.4%
- Company generates healthy free cash flow
- Attractively priced for its growth - PEG of 0.5
CONS
- Company has a low return on capital employed of 7.8%
- Company has a low return on equity of 7.6% over last 3 years
- Equity base is being diluted - shares outstanding up 80.6%
- Effective tax rate is unusually low at -0.0% - earnings may be flattered
- Company has delivered a poor profit growth of 9.2% over past five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 62966.70 | 1081.55 | 420369.00 | 1091.26 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| IRBINVIT | 64.50 | 0.00 | 0.00 | 0.00 | 794.44 | — | 4746.34 | 1616.64 | 7.25 | 79.79 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2025 | Jun 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| 0 | 0 | 0 | 0 | |
| 4 | 45 | -43 | 1,857 | |
| Operating Profit | -4 | -45 | 43 | -1,857 |
| OPM % | — | — | — | — |
| 169 | 173 | 454 | 4,724 | |
| Interest | 49 | 47 | 166 | 1,687 |
| Depreciation | 0 | 0 | 0 | 0 |
| Profit before Tax | 115 | 129 | 331 | 2,867 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Profit | 115 | 129 | 331 | 2,867 |
| 1.99 | 2.22 | 2.64 | 2.24 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 617 | 594 | 576 | 545 | 515 | 623 | 662 | 1,132 | 0 | |
| 15 | 14 | 9 | 84 | 60 | 247 | 127 | 33 | 1,862 | |
| Operating Profit | 602 | 580 | 567 | 461 | 456 | 376 | 535 | 1,100 | -1,862 |
| OPM % | 97.61% | 97.64% | 98.44% | 84.64% | 88.42% | 60.38% | 80.82% | 97.12% | — |
| 11 | 6 | 5 | 3 | 62 | 91 | 11 | 45 | 5,519 | |
| Interest | 128 | 125 | 117 | 111 | 116 | 177 | 205 | 439 | 1,950 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 486 | 461 | 455 | 353 | 401 | 290 | 342 | 705 | 3,442 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.00% | 0.00% |
| Net Profit | 486 | 461 | 455 | 353 | 401 | 290 | 342 | 705 | 3,442 |
| EPS | 8.37 | 7.94 | 7.83 | 6.08 | 6.91 | 5.00 | 5.89 | 5.50 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 14%
- 3 Years:
- 30%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 9%
- 3 Years:
- 21%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -5%
- 3 Years:
- -9%
- 1 Year:
- -24%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 7%
- 3 Years:
- 8%
- Last Year:
- 10%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2020 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 5,428 | 5,103 | 4,914 | 4,862 | 4,748 | 8,873 |
| -18 | 145 | 233 | 111 | 102 | 273 | |
| 1,467 | 1,358 | 1,725 | 1,868 | 1,788 | 9,238 | |
| Trade Payables | 8 | 7 | 2 | 4 | 1 | 1 |
| 11 | 55 | 56 | 218 | 505 | 51 | |
| Total Liabilities | 6,896 | 6,668 | 6,930 | 7,063 | 7,145 | 18,436 |
| 2,323 | 2,415 | 2,482 | 2,221 | 2,143 | 3,653 | |
| Cash & Bank | 96 | 4 | 6 | 19 | 67 | 456 |
| 4,477 | 4,249 | 4,442 | 4,823 | 4,934 | 14,328 | |
| Total Assets | 6,896 | 6,668 | 6,930 | 7,063 | 7,145 | 18,436 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| 603 | 542 | 430 | 404 | 617 | -12 | -20 | -24 | |
| Cash from Investing | 211 | 359 | 91 | 244 | -422 | 277 | 470 | -9,948 |
| Cash from Financing | -873 | -805 | -582 | -680 | -197 | -253 | -461 | 10,148 |
| -59 | 96 | -60 | -32 | -2 | 13 | -11 | 176 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2019 | Mar 2020 | 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 IRBINVIT
Loading news…
AI Stock Analyst
IRB InvIT Fund
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account