IRB InvIT Fund

•

irbfl.co.inBSE: 540526NSE: IRBINVIT

Market Cap₹ 0 Cr.

Current Price

High / Low₹ 65 / 57

Stock P/E0.0

Book Value₹ 0

Price to Book0.84

Dividend Yield0.00 %

ROCE8.9 %

ROE10.1 %

Face Value₹ 102

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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 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

Financial ServicesFinanceFinance - Investment

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

S.No.	Name
1.	BAJAJFINSV	1990.00	31.43	318810.21	0.08	6296.67	18.15	42036.90	92.22	11.88	40.79
2.	AIIL	510.20	20.65	43327.49	0.00	11082.20	1075.19	14695.40	1109.37	30.27	88.91
3.	CHOLAHLDNG	1487.10	10.46	27924.39	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13055.20	13.41	26413.42	0.66	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	256.20	21.86	24650.38	0.08	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13572.20	55.69	15511.08	1.62	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11458.70	92.58	12718.73	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	129.45	11.91	12387.85	2.51	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	403.15	18.39	8954.12	2.77	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	247.65	155.41	8537.33	0.00	-46.98	-674.86	2353.40	1051.76	-1.28	-2.08
11.	KAMAHOLD	2341.45	8.07	7513.85	1.77	584.02	10.80	4657.56	7.07	20.86	22.01
12.	IRBINVIT	64.34	0.00	0.00	0.00	794.44	—	4746.34	1616.64	7.25	79.79

Detailed Comparison with:

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	3	43	-169
OPM %	—	—	—	—
Other Income	169	173	454	4,724
Interest	49	47	166	1,687
Depreciation	0	0	0	0
	115	129	331	2,867
Tax %	0.00%	0.00%	0.00%	0.00%
Net Profit	115	129	331	2,867
	2	0	3	2
Equity Capital	0	0	0	0
Reserves	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%

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	614	587	571	464	517	468	546	1,144	—
OPM %	99	99	99	85	100	75	83	101	—
Other Income	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
	486	461	455	353	401	290	342	705	3,442
Tax %	0	0	0	0	0	0	0	-0	0
Net Profit	486	461	455	353	401	290	342	705	3,442
EPS	8	8	8	6	7	5	6	6	—
Dividend Payout %	0	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0
Adjusted EPS	8	8	8	6	7	5	6	6	—

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
LIABILITIES	-	-	-	-	-	-
Equity Capital	5,428	5,103	4,914	4,862	4,748	8,873
	-18	145	233	111	102	273
	66	0	0	0	176	696
Trade Payables	8	7	2	4	1	1
	1,412	1,413	1,781	2,086	2,118	8,593
Total Liabilities	6,896	6,668	6,930	7,063	7,145	18,436
ASSETS	-	-	-	-	-	-
	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
Total Debt	1,467	1,413	1,780	2,085	2,292	9,289
Net Working Capital	671	727	629	522	77	1,035
Contingent Liabilities	0	0	0	0	0	0
Book Value per Share	93.19	90.40	88.66	85.66	83.55	71.36
Face Value	93.50	87.90	84.65	83.75	81.80	69.23

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
Free Cash Flow	603	542	430	404	617	-12	-20	-24
OCF / Net Profit	1.24	1.18	0.95	1.14	1.54	-0.04	-0.06	-0.03
Cumulative 5-Year FCF	0	0	0	0	0	0	0	965

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	8.37	7.94	7.83	6.08	6.91	5.00	5.89	5.50
Book Value (₹)	96.55	93.19	93.22	90.40	88.66	85.66	83.55	71.36
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	8.37	7.94	7.83	6.08	6.91	5.00	5.89	5.50
PROFITABILITY
Operating Margin %	99.42%	98.69%	99.28%	84.64%	88.42%	60.38%	80.82%	97.12%
Net Margin %	78.72%	77.58%	78.96%	64.83%	77.86%	46.56%	51.62%	62.25%
ROE %	8.67%	8.37%	8.40%	6.62%	7.72%	5.74%	6.96%	10.07%
ROCE %	8.64%	8.39%	8.31%	6.86%	7.62%	6.69%	7.70%	8.95%
	6.83%	6.58%	6.60%	5.21%	5.90%	4.15%	4.81%	5.51%
EFFICIENCY
Debtor Days	0	0	0	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.27x	0.27x	0.27x	0.27x	0.35x	0.42x	0.47x	1.02x
Interest Coverage (x)	4.80x	4.68x	4.89x	4.18x	4.45x	2.64x	2.67x	2.60x
	13.63x	8.87x	12.58x	12.76x	11.86x	3.35x	1.11x	2.38x
GROWTH
Revenue Growth %	0.00%	-3.73%	-3.14%	-5.40%	-5.39%	20.98%	6.22%	71.02%
Operating Profit Growth %	0.00%	-4.43%	-2.56%	-18.80%	11.50%	-9.64%	16.88%	109.43%
Net Profit Growth %	0.00%	-5.11%	-1.41%	-22.34%	13.63%	-27.66%	17.77%	106.25%
	0.00%	0.00%	0.00%	-22.34%	13.63%	-27.66%	17.77%	-6.58%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	8.62x	9.79x	13.39x	8.49x	10.95x
P/B (x)	0.00x	0.00x	0.00x	0.58x	0.76x	0.78x	0.60x	0.84x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	9.60x	11.02x	12.73x	9.38x	14.47x

Shareholding Pattern

Numbers in percentages

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Documents

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