IBL Finance Ltd
Incorporated in August 2017, IBL Finance Limited is a fintech-based financial services platform that uses technology and data science to provide loans.[1]
- Market Cap ₹ 131 Cr.
- Current Price ₹ 53.0
- High / Low ₹ 74.8 / 45.2
- Stock P/E 67.9
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 26.1 %
- ROE 16.1 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
Cons
- Promoter holding has decreased over last quarter: -22.6%
- Company has a low return on equity of 12.2% over last 3 years.
- Company's cost of borrowing seems high
* 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
Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|
1.07 | 1.13 | 3.27 | 13.33 | |
1.07 | 1.15 | 2.56 | 9.30 | |
Operating Profit | 0.00 | -0.02 | 0.71 | 4.03 |
OPM % | 0.00% | -1.77% | 21.71% | 30.23% |
0.00 | 0.00 | 0.00 | 0.00 | |
Interest | 0.00 | 0.01 | 0.09 | 1.23 |
Depreciation | 0.04 | 0.06 | 0.05 | 0.05 |
Profit before tax | -0.04 | -0.09 | 0.57 | 2.75 |
Tax % | -25.00% | -11.11% | 24.56% | 29.82% |
-0.05 | -0.10 | 0.43 | 1.93 | |
EPS in Rs | -0.15 | -0.31 | 1.32 | 2.12 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 132% |
TTM: | 308% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 244% |
TTM: | 349% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 12% |
Last Year: | 16% |
Balance Sheet
Figures in Rs. Crores
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|
Equity Capital | 3.26 | 3.26 | 3.26 | 9.09 | 18.18 |
Reserves | -0.03 | -0.13 | 0.29 | 11.40 | 3.82 |
0.00 | 0.00 | 6.41 | 0.09 | 0.12 | |
0.14 | 0.26 | 0.27 | 1.60 | 1.09 | |
Total Liabilities | 3.37 | 3.39 | 10.23 | 22.18 | 23.21 |
0.12 | 0.09 | 0.12 | 0.17 | 1.04 | |
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 | 22.17 | |
Total Assets | 3.37 | 3.39 | 10.23 | 22.18 | 23.21 |
Cash Flows
Figures in Rs. Crores
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|
-0.63 | -0.81 | -5.64 | -8.94 | |
0.60 | 0.66 | 0.12 | -0.08 | |
0.50 | 0.00 | 6.39 | 8.79 | |
Net Cash Flow | 0.47 | -0.16 | 0.87 | -0.24 |
Ratios
Figures in Rs. Crores
Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|
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% |
Documents
Announcements
Annual reports
No data available.
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.