IBL Finance Ltd
₹ 67.0
-4.56%
12 Dec
- close price
About
Incorporated in 2023, IBL Finance Ltd is in the business of lending through digital platforms, with a primary focus on SME loans[1]
Key Points
- Market Cap ₹ 166 Cr.
- Current Price ₹ 67.0
- High / Low ₹ 74.0 / 45.4
- Stock P/E 73.9
- Book Value ₹ 24.2
- Dividend Yield 0.00 %
- ROCE 7.53 %
- ROE 4.11 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 2.76 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 6.19% 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.
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Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|
| 1.07 | 1.13 | 3.27 | 13.33 | 14.22 | 13.06 | 15.24 | |
| 1.07 | 1.15 | 2.56 | 9.18 | 10.51 | 6.36 | 6.64 | |
| Operating Profit | -0.00 | -0.02 | 0.71 | 4.15 | 3.71 | 6.70 | 8.60 |
| OPM % | -0.00% | -1.77% | 21.71% | 31.13% | 26.09% | 51.30% | 56.43% |
| -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.17 | |
| Interest | -0.00 | 0.01 | 0.09 | 1.23 | 0.43 | 3.19 | 5.23 |
| Depreciation | 0.04 | 0.06 | 0.05 | 0.05 | 0.24 | 0.52 | 0.61 |
| Profit before tax | -0.04 | -0.09 | 0.57 | 2.87 | 3.04 | 2.99 | 2.93 |
| Tax % | 25.00% | 11.11% | 24.56% | 28.57% | 24.67% | 21.40% | |
| -0.05 | -0.10 | 0.43 | 2.05 | 2.28 | 2.36 | 2.24 | |
| EPS in Rs | -0.15 | -0.31 | 1.32 | 2.26 | 0.92 | 0.95 | 0.90 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 65% |
| 3 Years: | 59% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 118% |
| 3 Years: | 76% |
| TTM: | -3% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 26% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 6% |
| 3 Years: | 6% |
| Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 3.26 | 3.26 | 3.26 | 9.09 | 24.73 | 24.73 | 24.73 |
| Reserves | -0.03 | -0.13 | 0.29 | 11.58 | 31.57 | 33.93 | 35.17 |
| -0.00 | -0.00 | 6.41 | 0.09 | 4.91 | 44.17 | 37.25 | |
| 0.14 | 0.26 | 0.27 | 1.51 | 5.15 | 10.05 | 8.17 | |
| Total Liabilities | 3.37 | 3.39 | 10.23 | 22.27 | 66.36 | 112.88 | 105.32 |
| 0.12 | 0.09 | 0.12 | 0.17 | 1.53 | 1.63 | 1.56 | |
| CWIP | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Investments | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| 3.25 | 3.30 | 10.11 | 22.10 | 64.83 | 111.25 | 103.76 | |
| Total Assets | 3.37 | 3.39 | 10.23 | 22.27 | 66.36 | 112.88 | 105.32 |
Cash Flows
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| -0.63 | -0.81 | -5.64 | -7.75 | -30.51 | -45.93 | |
| 0.60 | 0.66 | 0.12 | -0.13 | -1.58 | -0.61 | |
| 0.50 | -0.00 | 6.39 | 7.65 | 36.25 | 44.17 | |
| Net Cash Flow | 0.47 | -0.16 | 0.87 | -0.24 | 4.15 | -2.37 |
Ratios
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Debtor Days | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Working Capital Days | 586.73 | 804.29 | 956.59 | 532.85 | 1,040.07 | 1,233.34 |
| ROCE % | -2.52% | 10.08% | 26.69% | 8.47% | 7.53% |
Documents
Announcements
-
Allotment of Securities
6 December 2025 - Allotted 67 NCDs of ₹100,000 each totaling ₹67,00,000; 13% p.a.; maturity Oct 9, 2027.
-
Allotment of Securities
4 December 2025 - Allotment of 280 NCDs worth Rs2.80 crore at 13% p.a.; allotted 4 Dec 2025, maturity 11 Jan 2028.
-
Updates
2 December 2025 - Redeemed 35,500 NCDs (₹3.55 crore) on 03 Jul and 02 Dec 2025; 13.50% interest.
-
General Updates
2 December 2025 - Redeemed all 35,500 NCDs totalling ₹3.55 crore on 03-Jul-2025 and 02-Dec-2025; interest 13.50%.
-
Allotment of Securities
5 November 2025 - Allotted 25 NCDs totaling ₹25 lakh on 05-Nov-2025, 13% p.a., 369-day maturity.
Business Overview:[1][2][3][4]
a) IBLFL is a systemically important non-deposit-taking Non-Banking Financial Company engaged in lending.
b) It has a diversified lending portfolio across retail and MSME customers, with a presence in all major cities of India.
c) The company is a technology-driven fintech firm that leverages technology and data science to make lending quick and easy.
d) Through its mobile app, IBLFL offers instant personal loans through an almost 100% digital process.
e) The company provides microloans to small and micro enterprises, self-employed individuals, and salaried persons through a digital platform accessible via web and mobile apps.
f) In FY23, the company had over 5 lakh registered users, 1.70 lakh loans disbursed, 9,000+ active loans, and coverage across 240 districts.