IBL Finance
IBLFL NSE
IBL Finance
Financial ServicesNSE: IBLFL NBFC
Key Fundamentals
SMENBFCFinancial ServicesMarket Cap
₹150 Cr
Volatility
Moderate
P/E Ratio
61.1
EBITDA
₹4.00 Cr
Return on Equity
9.41%
Debt to Equity
0.27
Book Value
₹24.7
52W High
₹72.8
52W Low
₹43.95
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Weaknesses
3- 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.
Growth Rate
Revenue Growth
303% higher than
3Y
Net Income Growth
375% higher than
3Y
Cash Flow Change
-58.51%
ROE
-21.71% lower than
3Y
ROCE
7.06% higher than
3Y
EBITDA Margin (Avg.)
40.9%
Quarterly Results
| Particulars | Sep 2022 | Sep 2023 | Mar 2024 | Sep 2024 | Mar 2025 | Sep 2025 | Mar 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 in Rs | 2.64 | 0.73 | 0.38 | 0.55 | 0.4 | 0.5 | 0.49 |
Profit & Loss
| Particulars | 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 |
| 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 in Rs | -0.15 | -0.31 | 1.32 | 2.26 | 0.92 | 0.95 | 0.99 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Particulars | 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 | 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 |
Cash Flow
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Particulars | 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
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view IBL Finance insights
45 extracted metrics + investor summaries across FY20–FY26.
Documents
1
Allotment of Securities
11 Sep - IBL Finance allotted 46 secured NCDs worth Rs 46 lakh on 11 September 2026. 11 Sep - IBL Finance allotted 46 secured NCDs worth Rs 46 lakh on 11 September 2026.
2
General Updates
3 Sep - Finance Committee approved draft prospectus for ₹50 crore public NCD issue on 3 September 2026. 3 Sep - Finance Committee approved draft prospectus for ₹50 crore public NCD issue on 3 September 2026.
3
Allotment of Securities
1 Sep - IBL Finance allotted 100 NCDs worth ₹1 crore on 1 Sep 2026 at 13% coupon, maturing 9 May 2029. 1 Sep - IBL Finance allotted 100 NCDs worth ₹1 crore on 1 Sep 2026 at 13% coupon, maturing 9 May 2029.
4
Allotment of Securities
14 Aug - IBL Finance allotted 41 NCDs worth Rs.41 lakh on 14 August 2026. 14 Aug - IBL Finance allotted 41 NCDs worth Rs.41 lakh on 14 August 2026.
5
Allotment of Securities
11 Aug - IBL Finance allotted 65 secured NCDs worth ₹65 lakh on 11 Aug 2026, maturing 9 May 2029. 11 Aug - IBL Finance allotted 65 secured NCDs worth ₹65 lakh on 11 Aug 2026, maturing 9 May 2029.
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 ₹149.62 Cr, 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 61.10, 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.
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]
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/IBLFL.md for IBL Finance Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live,
structured queries instead of documents, use our MCP server.