IBL Finance Ltd

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

IBL Finance Ltd

₹ 61.6 -4.94%
26 Oct - close price
iblfinance.in NSE - SME: IBLFL
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

Business Overview[1]
IBL Finance is a technology-driven RBI-registered NBFC. The Company leverages fintech, data analytics and proprietary credit assessment models to provide digital lending solutions to individuals, professionals, self-employed customers, small businesses and financial institutions engaged in retail and MSME lending. Its lending portfolio includes digital personal loans and term loans, with a focus on responsible lending, risk management, financial inclusion and scalable technology-enabled operations.

Website NSE - SM
  • Market Cap ₹ 152 Cr.
  • Current Price ₹ 61.6
  • High / Low ₹ 72.8 / 44.0
  • Stock P/E 62.4
  • Book Value ₹ 24.7
  • Dividend Yield 0.00 %
  • ROCE 8.46 %
  • ROE 4.07 %
  • Face Value ₹ 10.0
Edit ratios

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 4.55% 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of Nifty SME Emerge

Edit Columns
Loading peers table ...

Half Yearly Results

Figures in Rs. Crores

Sep 2022 Sep 2023 Mar 2024 Sep 2024 Mar 2025 Sep 2025 Mar 2026
5.68 6.52 7.60 5.88 7.08 8.16 8.99
Interest 0.05 0.11 0.32 0.72 2.47 2.76 3.43
4.45 4.65 5.87 3.23 3.12 3.52 3.84
Financing Profit 1.18 1.76 1.41 1.93 1.49 1.88 1.72
Financing Margin % 20.77% 26.99% 18.55% 32.82% 21.05% 23.04% 19.13%
0.00 0.00 0.10 0.02 0.08 0.09 0.10
Depreciation 0.02 0.07 0.17 0.20 0.32 0.29 0.30
Profit before tax 1.16 1.69 1.34 1.75 1.25 1.68 1.52
Tax % 25.86% 21.30% 29.10% 22.29% 19.20% 26.19% 21.05%
0.86 1.33 0.95 1.35 1.00 1.24 1.20
EPS in Rs 0.59 0.73 0.38 0.55 0.40 0.50 0.49
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: 30 October 2026

Profit & Loss

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.07 1.13 3.27 13.33 14.22 13.06 17.31
Interest 0.00 0.01 0.09 1.23 0.43 3.19 6.18
1.07 1.15 2.56 9.18 10.51 6.36 7.35
Financing Profit 0.00 -0.03 0.62 2.92 3.28 3.51 3.78
Financing Margin % 0.00% -2.65% 18.96% 21.91% 23.07% 26.88% 21.84%
0.00 0.00 0.00 0.00 0.00 0.00 0.01
Depreciation 0.04 0.06 0.05 0.05 0.24 0.52 0.59
Profit before tax -0.04 -0.09 0.57 2.87 3.04 2.99 3.20
Tax % 25.00% 11.11% 24.56% 28.57% 24.67% 21.40% 23.75%
-0.05 -0.10 0.43 2.05 2.28 2.36 2.44
EPS in Rs -0.03 -0.07 0.29 1.13 0.92 0.95 0.99
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 73%
3 Years: 9%
TTM: 33%
Compounded Profit Growth
10 Years: %
5 Years: 92%
3 Years: 6%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -9%
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 5%
Last Year: 4%

Balance Sheet

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
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 36.37
Borrowing 0.00 0.00 6.41 0.09 4.91 44.17 57.85
0.14 0.26 0.27 1.51 5.15 10.05 10.91
Total Liabilities 3.37 3.39 10.23 22.27 66.36 112.88 129.86
0.12 0.09 0.12 0.17 1.53 1.63 1.61
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 64.83 111.25 128.25
Total Assets 3.37 3.39 10.23 22.27 66.36 112.88 129.86

Cash Flows

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0.63 -0.81 -5.64 -7.75 -30.51 -45.90 -3.40
0.60 0.66 0.12 -0.13 -1.58 -0.61 -0.54
0.50 0.00 6.39 7.65 36.25 44.14 4.80
Net Cash Flow 0.47 -0.16 0.87 -0.24 4.15 -2.37 0.85
Free Cash Flow -0.69 -0.78 -5.67 -7.85 -32.10 -46.51 -3.96

Ratios

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -1.55% -3.14% 12.87% 16.93% 5.92% 4.12% 4.07%

Insights

In beta
Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Cr

Log in to view insights

Please log in to see hidden values.

Login
Gross NPA Ratio
%
Net NPA Ratio
%
Annual Disbursements
INR Cr
Cumulative Loans Disbursed
Lakh
Personal Loan Share of Portfolio
%
Cumulative NBFCs Disbursed To
count
Districts Covered
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Mar 2024Sep 2024Mar 2025Sep 2025Mar 2026Sep 2026
63.21% 63.21% 63.21% 63.20% 63.20% 63.18%
0.01% 0.01% 0.01% 0.00% 0.00% 0.00%
36.78% 36.78% 36.78% 36.80% 36.80% 36.82%
No. of Shareholders 1,3981,016987838754671

* 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

Credit ratings