Price
Financials
Standalone, Rs crore| Sep 2022 | Sep 2023 | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | 0.86 | 1.33 | 0.95 | 1.35 | 1.00 | 1.24 | 1.20 |
| EPS in Rs | 2.64 | 0.73 | 0.38 | 0.55 | 0.40 | 0.50 | 0.49 |
| Gross NPA % | |||||||
| Net NPA % |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | -0.05 | -0.10 | 0.43 | 2.05 | 2.28 | 2.36 | 2.44 |
| EPS in Rs | -0.15 | -0.31 | 1.32 | 2.26 | 0.92 | 0.95 | 0.99 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 73% | 9% | 33% | ||
| Compounded Profit Growth | % | 92% | 6% | 3% | ||
| Stock Price CAGR | % | % | % | -5% | ||
| Return on Equity | % | 6% | 5% | 4% |
| 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 |
| Other Liabilities | 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 |
| Fixed Assets | 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 |
| Other Assets | 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 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -0.63 | -0.81 | -5.64 | -7.75 | -30.51 | -45.90 | -3.40 |
| Cash from Investing Activity | 0.60 | 0.66 | 0.12 | -0.13 | -1.58 | -0.61 | -0.54 |
| Cash from Financing Activity | 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 |
| CFO/OP | 4,000% | -775% | -167% | -799% | -674% | -25% |
| 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% |
| Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Promoters | 63.21% | 63.21% | 63.21% | 63.20% | 63.20% |
| FIIs | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% |
| Public | 36.78% | 36.78% | 36.78% | 36.80% | 36.80% |
| No. of Shareholders | 1,398 | 1,016 | 987 | 838 | 754 |
Fundamentals
Market Cap₹ 151 Cr.
Current Price₹ 61.0
Stock P/E61.8
Book Value₹ 24.7
ROCE8.46 %
ROE4.07 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)33%
Compounded Profit Growth (TTM)3%
Standalone figures.
Valuation
Market capRs 151 Cr
Enterprise valueRs 150 Cr
P/E (TTM)73.59x
Price to book7.30x
Price to sales11.32x
EV / EBITDA36.12x
EV / EBIT36.56x
EV / sales11.25x
Earnings yield1.36%
Profitability
Operating margin (excl. other income)31.13%
Operating margin (incl. other income)31.13%
EBITDA margin31.13%
Pre-tax margin21.53%
Net profit margin15.38%
ROE16.93%
ROCE26.69%
ROA12.62%
ROE, 3-year average8.89%
ROCE, 3-year average11.42%
ROA, 3-year average5.32%
ROIC (approx.)14.85%
Tax rate28.57%
Growth
Sales growth (latest year)307.65%
Profit growth (latest year)376.74%
Sales CAGR, 3 years131.82%
Per share
EPS (TTM)Rs 0.83
EPS (latest year)Rs 2.26
EPS, 3-year averageRs 1.09
Book value per shareRs 8.36
Sales per shareRs 5.39
Cash flow per shareRs -3.13
Free cash flow per shareRs -1.60
Efficiency
Asset turnover0.60x
Fixed asset turnover78.41x
Leverage
Total debtRs 0 Cr
Cash and bankRs 1 Cr
Net debtRs -1 Cr
Debt to equity0.00x
Net debt / EBITDA-0.23x
Interest coverage3.33x
Owners' fund to total sources92.82%
Debt to assets0.40%
Cash flow
Cash from Operating Activity (latest year)Rs -8 Cr
Cash from Investing Activity (latest year)Rs -0 Cr
Cash from Financing Activity (latest year)Rs 8 Cr
Net Cash Flow (latest year)Rs -0 Cr
Free cash flow (latest year)Rs -4 Cr
FCFE (approx.: FCF + change in debt)Rs -10 Cr
Cash from ops / profit, 5 years-9.75x
Statement figures
Net sales (TTM)Rs 13 Cr
Net sales (latest year)Rs 13 Cr
Operating profit excl. other income (latest year)Rs 4 Cr
EBITDA (TTM)Rs 4 Cr
PBDT (TTM)Rs 3 Cr
Profit before tax (TTM)Rs 3 Cr
Tax (latest year)Rs 1 Cr
Net profit (TTM)Rs 2 Cr
Net profit (latest year)Rs 2 Cr
Depreciation (TTM)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 9 Cr
Total income (latest year)Rs 13 Cr
Share capitalRs 9 Cr
ReservesRs 12 Cr
Shareholders' fundsRs 21 Cr
Total assetsRs 22 Cr
Net blockRs 0 Cr
Other liabilitiesRs 2 Cr
Shares outstanding (crore)2.47
Ownership
Promoter holding63.20% (-0.01 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/B 7.30 is at the 3th percentile (median 42.50).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | IBLFL | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -1.6% | -2.8% | +1.2 pts |
| 1 month | +0.0% | -6.8% | +6.8 pts |
| 3 months | +1.7% | -7.6% | +9.3 pts |
| 6 months | +22.2% | +0.4% | +21.8 pts |
| 1 year | -3.2% | -9.9% | +6.7 pts |
| 2 years | +8.7% | -13.6% | +22.3 pts |
Red flags
F-score 5 of 8| explain | Weak cash conversion Cash from operations was -597% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 44% of total assets in 2026 |
| explain | Share dilution Share count up 176% in a year, 176% in three |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Mar 2026Revenue ₹9 Cr +18.3% vs Mar 2024.
Net profit ₹1 Cr +26.3%.
Against our estimate for Mar 2026: sales +9.5%, profit -0.3% in line.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Less than 100 unique PAN traded in previous 30 daysSME scrip is not regularly tradedScrip PE is greater than 50 (4 trailing quarters)
Quick answers
What is the market cap of IBL Finance Ltd?
IBL Finance Ltd (IBLFL) has a market capitalisation of Rs 151 Cr. at the 2026-10-01 close.
What is the P/E ratio of IBL Finance Ltd?
IBL Finance Ltd trades at a P/E of 61.8 on trailing twelve-month profit, at the 2026-10-01 close.
What were IBL Finance Ltd's latest quarterly results?
In the Mar 2026 quarter, IBL Finance Ltd revenue was Rs 9 Cr (+18.3% vs Mar 2024) and net profit was Rs 1 Cr.
What is the 52-week high and low of IBL Finance Ltd?
The 52-week high is Rs 72.80 and the 52-week low is Rs 43.95.