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Banking And Finance | Small Cap
Health Score : 7.50IBL Finance Ltd shows a mixed financial performance. The company demonstrates strong solvency and profitability, indicating a solid foundation. Revenue and asset growth are also noteworthy, reflecting expansion and market acceptance. However, the company faces challenges in efficiency and earnings growth. Liquidity is reasonable, but operating cash flow needs attention. Overall, IBL Finance shows potential but requires strategic adjustments to improve operational efficiency and ensure sustainable financial health. Given the nature of non-bank financial services, managing growth and profitability is very important.
Health Score : 7.50IBL Finance Ltd shows a mixed financial performance. The company demonstrates strong solvency and profitability, indicating a solid foundation. Revenue and asset growth are also noteworthy, reflecting expansion and market acceptance. However, the company faces challenges in efficiency and earnings growth. Liquidity is reasonable, but operating cash flow needs attention. Overall, IBL Finance shows potential but requires strategic adjustments to improve operational efficiency and ensure sustainable financial health. Given the nature of non-bank financial services, managing growth and profitability is very important.
Overall Valuation Score
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Markets Today NSE
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Avg Price
0.00
Volume
0
Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
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P/E RATIO (TTM)
61.62
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
61.62
P/B RATIO
2.47
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
9.04
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
20.94
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹61 as on Sep 1, 2026.
Growth Score : 6.80The company's growth ratios presents a mixed performance. While revenue and asset growth rates are strong, indicating expansion and market acceptance, the operating profit growth rate and earnings per share (EPS) growth are negative. This suggests that while the company is growing in size, its profitability is not keeping pace. Balancing growth with profitability is essential.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 189.38 | 307.65 | 6.68 | -8.16 | 31.24 |
| Operating Profit Growth Rate | 2166.67 | 370.97 | 12.33 | 7.01 | 2.85 |
| Earnings Per Share (EPS) Growth | 525.81 | 71.21 | -59.29 | 3.26 | 4.21 |
| Asset Growth Rate | 201.77 | 117.69 | 197.98 | 70.1 | 15.04 |
| Net Income Growth Rate | 530 | 376.74 | 11.22 | 3.51 | 3.39 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Baid Finserv Ltd | 8.63 | 10.46 | Undervalued | 19.00 | 0.97 | 15.00 |
| 2 | Keynote Financial Services Ltd | 7.94 | 21.22 | Neutral | 8.19 | -2.98 | 6.66 |
| 3 | IBL Finance Ltd | 7.50 | 61.62 | Neutral | 3.61 | 0.99 | 2.44 |
| 4 | Ascom Leasing & Investments Ltd | 7.41 | 41.97 | Highly Overvalued | 7.22 | 4.46 | 5.23 |
| 5 | Usha Financial Services Ltd | 7.25 | 9.36 | Neutral | 32.00 | 5.17 | 22.00 |
| 6 | Maha Rashtra Apex Corporation Ltd | 5.69 | -23.02 | Neutral | -9.35 | 0.96 | -6.87 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
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No Stock News Available at This Moment.
IBL Finance Ltd is an Ahmedabad-based FinTech-driven Non-Banking Financial Company (NBFC) specializing in digital lending. Leveraging its 'Vitto' mobile app, the company provides small-ticket personal and business loans to individuals and MSMEs, focusing on technology-enabled credit assessment and disbursement for underserved customer segments.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. IBL Finance Ltd's P/E ratio (TTM) is 61.62, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. IBL Finance Ltd's P/B ratio is 2.47, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. IBL Finance Ltd's P/S ratio is 9.04, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. IBL Finance Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. IBL Finance Ltd's EV/EBITDA ratio is 20.94.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. IBL Finance Ltd's ROE is 3.99%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. IBL Finance Ltd's ROA is 2.78%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. IBL Finance Ltd's ROCE is 15.35%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. IBL Finance Ltd's operating margin is 21.06%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. IBL Finance Ltd's net margin is 14.24%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. IBL Finance Ltd's current ratio is 11.74.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. IBL Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. IBL Finance Ltd's interest coverage ratio is 1.52.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. IBL Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. IBL Finance Ltd's EPS is 4.21.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹61. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2017
Headquarters: Ahmedabad, Gujarat
Core Offerings: Personal Loans, Business Loans, Digital Lending, Financial Services
Stock Listing: NSE (IBLFL), BSE ({bse})
Promoter: Manish Patel / Piyush Patel
IBL Finance Ltd was incorporated in 2017 with a vision to provide accessible credit through digital means. The company launched its mobile application 'Vitto' to facilitate quick and easy loan disbursement, focusing on small-ticket size loans. After establishing its operations and expanding its digital footprint, IBL Finance Ltd successfully completed its Initial Public Offering (IPO) in January 2024, listing on the NSE Emerge platform.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Lending Business (Digital Personal & Business Loans) | 100% | N/A (Integrated business) |
Digital Personal Loans: Provides unsecured personal loans to salaried and self-employed individuals through its mobile application, 'Vitto', offering quick disbursal based on digital credit assessment.
Digital Business Loans: Offers small-ticket business loans to micro, small, and medium enterprises (MSMEs) to support their working capital and growth requirements, processed via online platforms.
Technology-Driven Credit Assessment: Utilizes proprietary algorithms and data analytics for efficient and rapid credit underwriting, enhancing accessibility for new-to-credit or underserved populations.
Manish Patel, Chairman & Managing Director. As a key founder, Mr. Patel has been instrumental in driving the company's digital strategy and expanding its reach in the FinTech lending space since its inception.
No major subsidiaries reported.
Initial Public Offering (IPO) in January 2024.
The IBL Finance Ltd share price today is ₹61 on NSE (IBLFL), as of 28 Sept 2026.
As of 28 Sept 2026, IBL Finance Ltd share price is ₹61, with previous close ₹61. Today's range is ₹61 to ₹61. The 52-week range is ₹43.95 to ₹71.75.
As of today, IBL Finance Ltd's market cap is ₹154.94 crore (Small Cap).
IBL Finance Ltd's current P/E ratio is 61.62, compared to the BANKING AND FINANCE sector average of 32.50.
IBL Finance Ltd's current P/B ratio is 2.47.
IBL Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
IBL Finance Ltd's EPS (TTM) is ₹4.21.
IBL Finance Ltd is an Ahmedabad-based FinTech-driven Non-Banking Financial Company (NBFC) specializing in digital lending. Leveraging its 'Vitto' mobile app, the company provides small-ticket personal and business loans to individuals and MSMEs, focusing on technology-enabled credit assessment and disbursement for underserved customer segments.
IBL Finance Ltd is promoted by Manish Patel / Piyush Patel, holding 63.2% as of 28 Sept 2026.
IBL Finance Ltd is listed on NSE (IBLFL) and BSE ({bse}). Its next quarterly results are expected on August 2024 (Q1 FY25).
Interest Coverage Ratio