IBL Finance Ltd - Stock Valuation and Financial Performance

BSE: 0 | NSE: IBLFL | Finance - NBFC | Small Cap

BSE Share Price
Not Listed

DeciZen - make an informed investing decision on IBL Finance

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Undervalued

3. Price Trend

IBL Finance stock performance -

mw4me loader
P/E Ratio (SA):
67.01
Market Cap:
129.2 Cr.
52-wk low:
0
52-wk high:
0

Is IBL Finance Ltd an attractive stock to invest in?

1. Is IBL Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that IBL Finance Ltd is a below average quality company.

2. Is IBL Finance Ltd undervalued or overvalued?

The key valuation ratios of IBL Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is IBL Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of IBL Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of IBL Finance:

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)1.13.313.313
YoY Gr. Rt. %-189.4%307%-
Adj EPS (₹ ) -0.10.31.10.8
YoY Gr. Rt. %-NA265.5%-
BVPS (₹ )2.12.411.325.5
YoY Gr. Rt. %-13.6%365.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)-2.96.311.90

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANANA307%
Adj EPSNANANA265.5%
BVPSNANANA365.7%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 000-
Margins
Net Profit Margin (%)-8.813.114.514.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-3.212.8163.1

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 4.20%

Total Income has declined 0.00 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - IBL Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.8 -
TTM Sales (₹ Cr.) 13.3 -
BVPS (₹.) 25.5 -
Reserves (₹ Cr.) 38 -
P/BV 2.05 -
PE 67.01 -
From the Market
52 Week Low / High (₹) 0.00 / 0.00
All Time Low / High (₹) - / -
Market Cap (₹ Cr.) 129
Equity (₹ Cr.) 24.7
Face Value (₹) 10
Industry PE 32.5

Management X-Ray of IBL Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of IBL Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'21Mar'22Mar'23
Income1313
Interest Income1313
Other Income 000
Expenditure 1311
Interest Expense 001
Operating Expenses 126
Provisions 013
Exceptional Items 000
Profit Before Tax 013
Taxes 001
Profit After Tax 002
Adjusted EPS (₹)-0.10.31.1
Dividend Payout Ratio (%)0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital3420
Share Capital 339
Reserves 0011
Minority Interest000
Long Term Borrowings000
Current Liabilities 072
Trade Payables000
Short term borrowings060
Other Liabilities0-60
Total Liabilities 31022

Assets

Non Current Asset 000
Loan Asset 000
Other Non Current Asset 000
Current Asset 31022
Current Investment000
Other Current Asset31022
Total Assets 31022

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'21Mar'22Mar'23
Cash Flow From Operating Activity -1-6-9
Cash Flow From Investing Activity 100
Cash Flow From Financing Activity 069
Net Cash Flow 010
PARTICULARSMar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)012
DPS (₹)000
BVPS (₹)101123

Performance Ratios

ROA (%)-2.96.311.9
ROE (%)-3.212.816.0
ROCE (%)-2.89.926.0

Valuation Parameters

Price/Book(x)0.00.00.0

IBL Finance Ltd Stock News

IBL Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing 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 01-Jan-1970 05:30 the market cap of IBL Finance stood at ₹129.2.
The latest P/E ratio of IBL Finance as of 01-Jan-1970 05:30 is 67.01.
The latest P/B ratio of IBL Finance as of 01-Jan-1970 05:30 is 2.05.
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 ₹13.31 ( Cr.) .

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’.

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