IBL Finance Ltd

IBL Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

IBL Finance Ltd

₹ 56.8 1.25%
18 May - close price
Company website NSE - SME: IBLFL
About

Incorporated in August 2017, IBL Finance Limited is a fintech-based financial services platform that uses technology and data science to provide loans.[1]

Key Points

Business Profile[1] IBL Finance is a mobile app that offers instant personal loans of up to ₹50,000 through a completely digital process. Loans can be approved in under 3 minutes.

Website NSE - SM
  • Market Cap ₹ 140 Cr.
  • Current Price ₹ 56.8
  • High / Low ₹ 74.8 / 45.2
  • Stock P/E 61.6
  • Book Value ₹ 22.8
  • Dividend Yield 0.00 %
  • ROCE 16.9 %
  • ROE 11.1 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -22.6%
  • Company has a low return on equity of 12.9% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: E-Commerce/App based Aggregator Industry: Finance & Investments

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Half Yearly Results

Figures in Rs. Crores

Sep 2022 Sep 2023 Mar 2024
5.68 6.52 7.60
4.45 4.65 5.87
Operating Profit 1.23 1.87 1.73
OPM % 21.65% 28.68% 22.76%
0.00 0.00 0.10
Interest 0.05 0.11 0.32
Depreciation 0.02 0.07 0.17
Profit before tax 1.16 1.69 1.34
Tax % 25.86% 21.30% 29.10%
0.86 1.33 0.95
EPS in Rs 2.64 0.73 0.38
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.07 1.13 3.27 13.33 14.12
1.07 1.15 2.56 9.30 10.51
Operating Profit 0.00 -0.02 0.71 4.03 3.61
OPM % 0.00% -1.77% 21.71% 30.23% 25.57%
0.00 0.00 0.00 0.00 0.10
Interest 0.00 0.01 0.09 1.23 0.43
Depreciation 0.04 0.06 0.05 0.05 0.24
Profit before tax -0.04 -0.09 0.57 2.75 3.04
Tax % -25.00% -11.11% 24.56% 29.82% 24.67%
-0.05 -0.10 0.43 1.93 2.28
EPS in Rs -0.15 -0.31 1.32 2.12 0.92
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 132%
TTM: 6%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 192%
TTM: 18%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 3.26 3.26 3.26 9.09 24.73
Reserves -0.03 -0.13 0.29 11.40 31.57
0.00 0.00 6.41 0.09 4.91
0.14 0.26 0.27 1.60 5.15
Total Liabilities 3.37 3.39 10.23 22.18 66.36
0.12 0.09 0.12 0.17 1.53
CWIP 0.00 0.00 0.00 0.00 0.00
Investments 0.00 0.00 0.00 0.00 0.00
3.25 3.30 10.11 22.01 64.83
Total Assets 3.37 3.39 10.23 22.18 66.36

Cash Flows

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-0.63 -0.81 -5.64 -8.94 -13.40
0.60 0.66 0.12 -0.08 -18.69
0.50 0.00 6.39 8.79 36.25
Net Cash Flow 0.47 -0.16 0.87 -0.24 4.15

Ratios

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00
Working Capital Days 586.73 804.29 956.59 531.76
ROCE % -2.52% 10.08% 26.06%

Shareholding Pattern

Numbers in percentages

Mar 2024
63.21%
0.01%
36.78%
No. of Shareholders 1,398

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

No data available.