IBL Finance Ltd
₹ 46.5
0.00%
30 Mar
- 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 ₹ 115 Cr.
- Current Price ₹ 46.5
- High / Low ₹ 74.0 / 44.0
- Stock P/E 51.3
- Book Value ₹ 24.2
- Dividend Yield 0.00 %
- ROCE 7.53 %
- ROE 4.11 %
- Face Value ₹ 10.0
Pros
Cons
- 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.
Loading peers table ...
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 | |
| Interest | 0.00 | 0.01 | 0.09 | 1.23 | 0.43 | 3.19 | 5.23 |
| 1.07 | 1.15 | 2.56 | 9.18 | 10.51 | 6.36 | 6.64 | |
| Financing Profit | 0.00 | -0.03 | 0.62 | 2.92 | 3.28 | 3.51 | 3.37 |
| Financing Margin % | 0.00% | -2.65% | 18.96% | 21.91% | 23.07% | 26.88% | 22.11% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.17 | |
| 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: | -9% |
| 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 |
| Borrowing | 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 |
| Free Cash Flow | -0.69 | -0.78 | -5.67 | -7.85 | -32.10 | -46.54 |
| CFO/OP | 4,000% | -775% | -167% | -799% | -674% |
Ratios
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| ROE % | -1.55% | -3.14% | 12.87% | 16.93% | 5.92% | 4.11% |
Insights
In beta| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| Annual Disbursement ₹ Crore |
|
||
| Assets Under Management (AUM) ₹ Crore |
|||
| Assets Under Management (AUM) / Gross Loan Portfolio ₹ Crore |
|||
| Capital Adequacy Ratio (CAR) % |
|||
| Gross Loan Portfolio ₹ Crore |
|||
| Gross NPA % |
|||
| Number of Branches Numbers |
|||
| Cumulative Loans Distributed Numbers |
|||
| Employee Count Numbers |
|||
| Registered App Users Numbers |
|||
Requires Premium
Requires Premium
Documents
Announcements
-
Trading Window
24 March 2026 - Trading window closed Apr 1, 2026 until 48 hours after audited results for year/half year ended Mar 31, 2026.
-
Press Release
20 March 2026 - IBL Finance secured BBB- (Stable) long-term rating from Acuité on 20 March 2026.
-
Appointment
20 March 2026 - Board approved CFO resignation effective Apr 10, 2026; Sunny R. Pandya appointed CFO; Acuité rated company BBB- (Stable).
-
Appointment
20 March 2026 - CFO resignation effective 10 Apr 2026; Sunny Pandya appointed; secured BBB- (Stable) rating; net worth ₹59.90 Cr.
-
Outcome of Board Meeting
20 March 2026 - CFO resigns effective 10 Apr 2026; Sunny Pandya appointed CFO; Acuité rates BBB- (Stable); net worth ₹59.90 Cr.
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.