IBL Finance Ltd.

IBL Finance Ltd.

NNSE:IBLFL
63.50
INR
+1.50
(+2.42%)
0.98EPS
47.45P/E
1.15BMarket Cap
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.46
1.32
5.38
7.23
5.23
6.93
6.88
Basic EPS, GAAP
-0.04
0.17
0.83
1.17
0.95
0.99
0.98
Free Cash Flow per Basic Share
-0.33
-2.29
-3.18
-16.44
-18.77
-1.6
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
1.26
1.44
8.36
22.77
23.72
24.7
24.7
Tangible Book Value per Share
1.24
1.43
8.35
22.49
23.39
24.46
24.46
Basic Weighted Avg Shares
25
25
25
20
25
25
25
Sales/Revenue/Turnover
11
33
133
141
130
171
171
Operating Margin (%)
-1.11
37.43
45.05
44.7
27.92
24.79
17.58
Depreciation Expense
- -
- -
1
2
5
6
6
Net Income, GAAP
-1
4
20
23
24
24
24
Effective Tax Rate (%)
- -
24.41
28.53
24.77
21.33
23.71
23.71
Profit Margin (%)
-8.78
13.06
15.38
16.17
18.18
14.24
14.24
Working Capital
29
34
205
408
467
784
784
LT Debt
- -
- -
1
- -
439
571
571
Total Equity
31
36
207
563
587
611
611
Return on Invested Capital (%)
- -
6.82
13.64
5.76
2.84
2.08
2.07
Return on Capital (%)
- -
6.58
13.35
5.62
2.88
2.2
2.2
Return on Common Equity (%)
- -
12.79
16.9
5.93
4.1
4.08
4.08

Capital Structure

INR

•

in mil. unless spec.
Mar'25
Sep'26
Mar'26
ST Debt
3
12
7
LT Borrowings
439
361
571
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
25
25
25
Market Capitalization
1,285
1,668
1,150

Working Capital

INR

•

in mil. unless spec.
Mar'25
Sep'26
Mar'26
Total Current Assets
502
571
855
Cash, Cash Equivalents & STI
28
24
37
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
35
34
70
Payables & Accruals
- -
- -
- -
ST Debt
3
12
7
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
135.17%
4.16%
Free Cash Flow
- -
180.87%
-91.48%
Net Income, GAAP
- -
-27.04%
3.6%
Sales/Revenue/Turnover
- -
105.5%
32.3%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
141
2025
- -
59
- -
71
130
2026
- -
82
- -
90
171

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.17
2025
- -
0.55
- -
0.41
0.95
2026
- -
0.5
- -
0.48
0.99

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Manishbhai Patel
Full Time Employees
31
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Shop No. 1, Ground Floor, Kalpana Complex, Opposite .K.V. Tower Surat GU India 395002
IPO Date
Jan 16, 2024
Business
IBL Finance Limited (IBLFL.NS) is a fintech-driven non-banking financial company (NBFC) registered with the Reserve Bank of India that provides digital lending solutions leveraging artificial intelligence and data analytics. Incorporated in 2017 and headquartered in Surat, Gujarat, India, the company offers a diversified portfolio of products and services, including instant personal loans through its mobile app under the Instant Personal Loan (IPL) brand; travel, medical, mobile, consumer, two-wheeler, and education loans; micro, small, and medium enterprise (MSME) loans; onward lending to other financial institutions such as NBFCs, microfinance institutions (MFIs), and housing finance companies (HFCs); and secured redeemable non-convertible debentures (NCDs). IBL Finance primarily serves small and medium enterprises, self-employed individuals, salaried persons, and financial institutions across India with a nationwide presence, having disbursed over ₹250 crores in loans to more than 1.86 lakh customers. In recent developments, IBL Finance achieved assets under management (AUM) exceeding ₹100 crore by the end of fiscal year 2024-25, driven by strategic partnerships with 36 national NBFCs for onward lending, under which it disbursed ₹154 crore as of March 31, 2025. The company launched a new vertical focused on lending to profitable NBFCs to enhance asset quality and geographic diversification while maintaining low net non-performing assets (NPAs) at 1.99% in FY 2024-25. Additionally, IBL Finance raised ₹49.46 crore through term loans and NCDs in FY 2024-25 to support expansion and plans further fundraising via debt instruments including bonds and commercial papers.