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IBL Finance

IBLFL NSE
₹61.60 up 0.05 (0.08%)
Market Cap
₹152 Cr
P/E
41.07

IBL Finance (IBLFL) share price was ₹61.60 at the 27 Oct 2026 close; market capitalisation ₹152 Cr; P/E (TTM) 41.07; sector Financial Services. The share price fell 9.4% over the year to 27 Oct 2026 (adjusted for splits and bonuses). In the Mar 2026 quarter, revenue rose 27.0% year on year to ₹8.99 Cr and net profit was ₹1.2 Cr, against ₹1.0 Cr a year earlier (compared with Mar 2025). Promoters held 63.18% of IBL Finance in Sep 2026, down 0.02 percentage points from Mar 2026. Its Tapetide Score is 51/100 (Average) as of 28 Oct 2026.

Close 27 Oct 2026 ₹61.60 −6.10 −9.01% 1Y

Key Fundamentals

SMEFinanceFinancial Services
Market Cap
₹152 Cr
P/E (TTM)
41.07
EBITDA
₹4.00 Cr
Return on Equity
9.41%
Debt to Equity
0.27
Book Value
₹24.70
EPS (TTM)
₹1.50
52W High
₹72.80
52W Low
₹43.95

Price-based figures as of 27 Oct 2026, 15:30 IST · TTM

Peer Comparison

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

Bajaj Finance
₹922.3026.475,74,220 Cr4.660.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹833.2514.751,96,067 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,556.8022.961,32,999 Cr3.850.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹313.3024.341,32,992 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,444.208.6398,127 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹250.2019.6962,709 Cr2.141.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹538.0522.5151,203 Cr2.980.47%13.78%18.31%21,048 Cr2,275 Cr
IBL Finance (this company)
₹61.6041.07152 Cr2.490.00%9.41%19.25%21 Cr4 Cr
Median 8 companies₹685.6522.741,15,559 Cr2.600.57%14.48%10.86%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

51 Average
Overall score

Data confidence 94/100

Category scores

Quality Good 59
Returns, margins, earnings quality 22% weight
Valuation Poor 29
Cheap vs sector & own history 24% weight
Growth Good 65
Sales & profit trajectory 9% weight
Financial Health Weak 39
Solvency, leverage, coverage 9% weight
Momentum Strong 69
Trend strength, vol-adjusted 12% weight
Ownership Average 50
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Weaknesses

4
  • Stock is trading at 2.52 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 4.55% over last 3 years.

Technical Indicators

Oscillators

Bullish

Bearish
0
Neutral
7
Bullish
2

Overall

Bullish

Bearish
4
Neutral
7
Bullish
8

Moving Averages

Bullish

Bearish
4
Neutral
0
Bullish
6

Growth Rate

Revenue Growth
303% higher than 3Y

change over 1 year

Net Income Growth
375% higher than 3Y

change over 1 year

Cash Flow Change
-58.51%

change over 1 year

EBITDA Margin Change
40.9%

change over 1 year

Quarterly Results

Particulars Sep 2022Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Mar 2026
Revenue
5.68
6.52
7.6
5.88
7.08
8.16
8.99
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
Fin. Margin %
20.77%
26.99%
18.55%
32.82%
21.05%
23.04%
19.13%
Other Income
0
0
0.1
0.02
0.08
0.09
0.1
Interest
0.05
0.11
0.32
0.72
2.47
2.76
3.43
Depreciation
0.02
0.07
0.17
0.2
0.32
0.29
0.3
PBT
1.16
1.69
1.34
1.75
1.25
1.68
1.52
Tax %
25.86%
21.3%
29.1%
22.29%
19.2%
26.19%
21.05%
Net Profit
0.86
1.33
0.95
1.35
1
1.24
1.2
EPS (₹)
2.64
0.73
0.38
0.55
0.4
0.5
0.49
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue
1.07
1.13
3.27
13.33
14.22
13.06
17.31
Expenses
1.07
1.15
2.56
9.18
10.51
6.36
7.35
Financing Profit
0
-0.03
0.62
2.92
3.28
3.51
3.78
Fin. Margin %
0%
-2.65%
18.96%
21.91%
23.07%
26.88%
21.84%
Other Income
0
0
0
0
0
0
0.01
Interest
0
0.01
0.09
1.23
0.43
3.19
6.18
Depreciation
0.04
0.06
0.05
0.05
0.24
0.52
0.59
PBT
-0.04
-0.09
0.57
2.87
3.04
2.99
3.2
Tax %
25%
11.11%
24.56%
28.57%
24.67%
21.4%
23.75%
Net Profit
-0.05
-0.1
0.43
2.05
2.28
2.36
2.44
EPS (₹)
-0.15
-0.31
1.32
2.26
0.92
0.95
0.99
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
0
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
113
130
Fixed Assets
0.12
0.09
0.12
0.17
1.53
1.63
1.61
CWIP
0
0
0
0
0
0
0
Investments
0
0
0
0
0
0
0
Other Assets
3.25
3.3
10.11
22.1
64.83
111
128
Total Assets
3.37
3.39
10.23
22.27
66.36
113
130
Figures in ₹ Crores

Cash Flow

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-0.63
-0.81
-5.64
-7.75
-30.51
-45.9
-3.4
Investing
0.6
0.66
0.12
-0.13
-1.58
-0.61
-0.54
Financing
0.5
0
6.39
7.65
36.25
44.14
4.8
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
-32.1
-46.51
-3.96
CFO/OP
—
4,000
-775
-167
-799
-674
-25
Figures in ₹ Crores

Ratios

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

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view IBL Finance insights

48 extracted metrics + investor summaries across FY20–FY26.

Shareholding Pattern

Promot.63.18%Others10.60%Public26.22%As ofSep 2026

Documents

Frequently Asked Questions about IBL Finance

What does IBL Finance Ltd do?
Incorporated in 2023, IBL Finance Ltd is in the business of lending through digital platforms, with a primary focus on SME loans[1]
Where is IBL Finance Ltd (IBLFL) listed?
IBL Finance Ltd trades as IBLFL on the NSE.
Which sector does IBL Finance Ltd belong to?
IBL Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of IBL Finance Ltd?
IBL Finance Ltd has a market capitalisation of ₹152.34 Cr as of 27 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of IBL Finance Ltd?
IBL Finance Ltd trades at a PE ratio of 41.07 as of 27 Oct 2026, on earnings per share of ₹1.5, against a book value of ₹24.7 per share.
What is the 52-week high and low of IBL Finance Ltd?
Over the last 52 weeks IBL Finance Ltd has traded between ₹43.95 and ₹72.8 as of 27 Oct 2026.
What is the Return on Equity (ROE) of IBL Finance Ltd?
IBL Finance Ltd reported a return on equity of 9.41%. Its debt-to-equity ratio is 0.27.

Company Information

Incorporated in 2023, IBL Finance Ltd is in the business of lending through digital platforms, with a primary focus on SME loans[1]

Website iblfinance.in
Listed 2024-01-16
Face Value ₹ 10
Shares Outstanding 2,47,30,650

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