Key Metrics 
Check Before You Invest 
10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
News 
About
IBL Finance Ltd (IBLFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: IBLFL Finance - NBFC | Small Cap | IBL Finance Share Price
BSE Share Price
Not Listed
Not Listed
IBL Finance Ltd (IBLFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: IBLFL Finance - NBFC | Small Cap | IBL Finance Share Price
BSE Share Price
Not Listed
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹151 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹1
Book Value per Share
₹24.7
P/E Ratio
61.82
In line with its 5-year historical median
Industry PE
28.7
Price to Book (P/B)
2.47
In line with its 5-year historical median
EV/EBITDA
20.55
Lower than its 5-year historical median
Dividend Yield
NAN%
Profitability Efficiency
Return on Equity (ROE)
4.08%
Return on Capital Employed (ROCE)
8.46%
Return on Assets (ROA)
2.02%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
12.18%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
4.13%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹17.1 Cr.
Reserves
₹36 Cr.
Equity
₹24.7 Cr.
Face Value
₹10
All Time Low / High
- / -
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
Is IBL Finance Ltd a good quality company?
IBL Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does IBL Finance Ltd performance compare with that of its Peers?
AUM Growth of IBL Finance Ltd vs Industry Peers?
IBL Finance Ltd AUM CAGR is 106.63%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of IBL Finance Ltd?
Promoters hold 63.20% of the IBL Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of IBL Finance Ltd over the last decade?
Over the last 1 years, the stock has delivered a CAGR of -0.92% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IBL Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 1.1 | 3.3 | 13.3 | 14.1 | 13 | 17.1 | 17 | |||||
| YoY Gr. Rt. % | - | 190.5% | 306.8% | 6.1% | -8.3% | 32.3% | - | |||||
| Adj EPS (₹ ) | -0.1 | 0.3 | 1.1 | 0.9 | 1 | 1 | 1 | |||||
| YoY Gr. Rt. % | - | NA | 289.7% | -18.6% | 3.3% | 4.2% | - | |||||
| BVPS (₹ ) | 2.1 | 2.4 | 11.4 | 22.8 | 23.7 | 24.7 | 24.7 | |||||
| YoY Gr. Rt. % | - | 13.6% | 369.8% | 100.3% | 4.2% | 4.1% | - | |||||
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -2.9 | 6.3 | 12.6 | 5.2 | 2.6 | 2 | 0 | |||||
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | 72.4% | 8.8% | 32.3% | ||||
| Adj EPS | NA | NA | -4.3% | 4.2% | ||||
| BVPS | NA | 63.3% | 29.5% | 4.1% | ||||
| Share Price | - | - | - | -5.9% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
| Margins | ||||||||||||
| Net Profit Margin (%) | -8.8 | 13.1 | 15.4 | 16.2 | 18.2 | 14.2 | 14.3 | |||||
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -3.2 | 12.8 | 16.9 | 5.9 | 4.1 | 4.1 | 4 | |||||
Profit And Loss
(All Figures are in Crores.)| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|
| Income + | 1 | 3 | 13 | 14 | 13 | 17 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenditure ⓘ + | 1 | 3 | 10 | 11 | 10 | 14 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | -0 | 1 | 3 | 3 | 3 | 3 |
| Taxes ⓘ | 0 | 0 | 1 | 1 | 1 | 1 |
| Profit After Tax | -0 | 0 | 2 | 2 | 2 | 2 |
| Adjusted EPS (₹) | -0.1 | 0.3 | 1.1 | 0.9 | 1.0 | 1.0 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% |
Valuation of IBL Finance - Standalone
Analyst's Notes
No data found!
Balance Sheet
(All Figures are in Crores.)| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 3 | 4 | 21 | 56 | 59 | 61 | ||||
| Short term borrowings | 0 | 6 | 0 | 5 | 0 | 1 | ||||
| Long Term Borrowings | 0 | 0 | 0 | 3 | 50 | 61 | ||||
| Current Liabilities | 0 | 7 | 2 | 7 | 3 | 7 | ||||
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Other Liabilities | -0 | -6 | -0 | -5 | -0 | -1 | ||||
| Total Liabilities ⓘ | 3 | 10 | 22 | 66 | 113 | 129 | ||||
Assets | ||||||||||
| Non Current Asset + | 0 | 0 | 0 | 19 | 62 | 44 | ||||
| Current Asset + | 3 | 10 | 22 | 47 | 50 | 85 | ||||
| Total Assets ⓘ | 3 | 10 | 22 | 66 | 113 | 129 | ||||
Cash Flow
(All Figures are in Crores.)| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -1 | -6 | -8 | -31 | -46 | -3 |
| Cash Flow From Investing Activity ⓘ | 1 | 0 | -0 | -2 | -1 | -1 |
| Cash Flow From Financing Activity ⓘ | -0 | 6 | 8 | 36 | 44 | 5 |
| Net Cash Flow ⓘ | -0 | 1 | -0 | 4 | -2 | 1 |
Financial Ratio
| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | -0.30 | 1.30 | 2.30 | 0.90 | 1 | 1 | ||||
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| BVPS (₹) | 9.6 | 10.9 | 22.7 | 22.8 | 23.7 | 24.7 | ||||
Performance Ratios | ||||||||||
| ROA (%) | -2.9 | 6.3 | 12.6 | 5.2 | 2.6 | 2.0 | ||||
| ROE (%) | -3.2 | 12.8 | 16.9 | 5.9 | 4.1 | 4.1 | ||||
| ROCE (%) | -2.8 | 9.9 | 26.6 | 8.5 | 7.5 | 8.5 | ||||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 2.3 | 2.2 | 1.9 | ||||
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
IBL Finance Ltd FAQs
The current trading price of IBL Finance on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of IBL Finance stood at ₹150.9 Cr
The latest P/E ratio of IBL Finance as of 31-Dec-1969 is 61.82.
The latest P/B ratio of IBL Finance as of 31-Dec-1969 is 2.47.
The 52-week high of IBL Finance is ₹0.00 and the 52-week low is ₹0.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IBL Finance is ₹17.14 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that IBL Finance Ltd is a below average quality company.
The key valuation ratios of IBL Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of IBL Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About IBL Finance Ltd
IBL Finance was originally incorporated as a private company in the name and style of ‘IBL Finance Private Limited’ under Companies Act, 2013 vide certificate of incorporation dated August 03, 2017 issued by Registrar of Companies, Central Registration Center. The company was converted into a public limited company pursuant to the special resolution passed by the Shareholders of the Company at the Extra-Ordinary General Meeting held on April 27, 2023 and consequently upon conversion, the name of the company was changed to ‘IBL Finance Limited’ vide a fresh certificate of incorporation dated May 22, 2023.
IBL Finance commenced its lending business to self-employed professional and small business entrepreneurs during the financial year March 31, 2019. Subsequently, from the Fiscal 2020 it migrated to fintech based financial services platform. As a technology-driven fintech company, it leverages technology and data-science to make lending quick and easy. The company through its mobile App provides instant personal loans which is almost 100% digital process. It launched personal loans business to fulfil the needs of the underserved Indian population. Its digital personal loan offering is well-suited to address the needs of the growing digitally connected Indians.
The company’s digital lending process is the key differentiators driving business growth. The process of downloading the IBL: Instant Personal Loan App, completing the entire loan application and receiving the approval in under 5 minutes and disbursement of the proceeds of the loan in their bank account is within 24 hours. Its personal loan is repaid in equal monthly installment basis (EMI) over the tenure of the loan. Its extensive range of ticket sizes and tenors of loans can address a large number of use cases such as: (a) planned personal expenses, e.g., home renovation, travel, high ticket purchases and weddings, (b) emergency medical expenses, and (c) short-term business needs.
Business area of the company
The company commenced its lending business to self-employed professional and small business entrepreneurs during the financial year March 31, 2019. Subsequently, from the Fiscal 2020 it migrated to fintech-based financial services platform that leverages technology and data-science to provide instant personal loans.
History and milestones
- 2017-18: Incorporation of the Company in the name and style of ‘IBL Finance Private Limited’.
- 2018-19: Received certificate of registration to commence business of non-banking financial institution without accepting public deposits.
- 2020-21: Launched a personal loan application on Google Playstore named IBL: Instant Personal Loan’.
You have 4 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
