IBL Finance

₹56.1 0 | 0%

WEBSITE BSE:0 NSE : 17 May, 00:00

Market Cap ₹139 Cr.

Stock P/E 0.0

P/B 2.5

Current Price ₹56.1

Book Value ₹ 22.8

Face Value 10

52W High ₹74.9

Dividend Yield 0%

52W Low ₹ 45.3

Edit Ratio

IBL Finance Research see more...

Overview Inc. Year: 2017Industry: Finance - NBFC

IBL Finance Limited was incorporated on August 3, 2017, as a fintech-based financial services platform. It has since used technology and data science to simplify the lending process, making it more accessible and efficient. It caters to a diverse clientele, providing instant personal loans through their mobile app. They have achieved significant milestones such as 1,65,000+ loans given and over 10 lakh app downloads. Company focuses on serving the needs of self-employed and salaried individuals, offering loans with a quick and easy process IBL Finance Limited aims to leverage technology and data science to make lending quick, simple, and hassle-free. The promoters of IBL Finance Limited are Manish Patel, Piyush Patel, and Mansukhbhai Patel. The management team of IBL Finance Limited includes six directors, with Mansukhbhai Kunvarjibhai Patel, Piyush Mansukhbhai Patel, among others.

IBL Finance Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

IBL Finance Quarterly Results

#(Fig in Cr.)
Net Sales
Other Income
Total Income
Total Expenditure
Operating Profit
Interest
Depreciation
Exceptional Income / Expenses
Profit Before Tax
Provision for Tax
Profit After Tax
Adjustments
Profit After Adjustments
Adjusted Earnings Per Share

IBL Finance Profit & Loss

#(Fig in Cr.)	Mar 2021	Mar 2022	Mar 2023
Net Sales	1	3	13
Other Income	0	0	0
Total Income	1	3	13
Total Expenditure	1	3	9
Operating Profit	-0	1	4
Interest	0	0	1
Depreciation	0	0	0
Exceptional Income / Expenses	0	0	0
Profit Before Tax	-0	1	3
Provision for Tax	0	0	1
Profit After Tax	-0	0	2
Adjustments	0	0	0
Profit After Adjustments	-0	0	2
Adjusted Earnings Per Share	-0.1	0.3	1.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	333%	0%	0%	0%
Operating Profit CAGR	300%	0%	0%	0%
PAT CAGR	0%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	NA%	NA%	NA%	NA%
ROE Average	16%	9%	9%	9%
ROCE Average	26%	11%	11%	11%

IBL Finance Balance Sheet

#(Fig in Cr.)	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	3	4	20
Minority's Interest	0	0	0
Borrowings	0	0	0
Other Non-Current Liabilities	0	0	0
Total Current Liabilities	0	7	2
Total Liabilities	3	10	22
Fixed Assets	0	0	0
Other Non-Current Assets	0	0	0
Total Current Assets	3	10	22
Total Assets	3	10	22

IBL Finance Cash Flow

#(Fig in Cr.)	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	1	0	1
Cash Flow from Operating Activities	-1	-6	-9
Cash Flow from Investing Activities	1	0	-0
Cash Flow from Financing Activities	-0	6	9
Net Cash Inflow / Outflow	-0	1	-0
Closing Cash & Cash Equivalent	0	1	1

IBL Finance Ratios

#	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	-0.07	0.29	1.06
CEPS(Rs)	-0.02	0.33	1.09
DPS(Rs)	0	0	0
Book NAV/Share(Rs)	2.13	2.42	11.27
Core EBITDA Margin(%)	-2.16	21.42	30.04
EBIT Margin(%)	-7.77	19.83	29.85
Pre Tax Margin(%)	-8.23	17.28	20.63
PAT Margin (%)	-8.78	13.06	14.49
Cash Profit Margin (%)	-3.12	14.65	14.88
ROA(%)	-2.91	6.27	11.9
ROE(%)	-3.17	12.81	16.04
ROCE(%)	-2.81	9.92	26.01
Receivable days	0	0	0
Inventory Days	0	0	0
Payable days	0	0	0
PER(x)	0	0	0
Price/Book(x)	0	0	0
Dividend Yield(%)	0	0	0
EV/Net Sales(x)	2.53	2.56	0.61
EV/Core EBITDA(x)	-119.61	11.97	2.02
Net Sales Growth(%)	0	190.51	306.79
EBIT Growth(%)	0	841.26	512.24
PAT Growth(%)	0	532.49	351.28
EPS Growth(%)	0	532.49	264.14
Debt/Equity(x)	0	1.8	0
Current Ratio(x)	14.14	1.52	14.12
Quick Ratio(x)	14.14	1.52	14.12
Interest Cover(x)	-16.83	7.79	3.24
Total Debt/Mcap(x)	0	0	0

IBL Finance Shareholding Pattern

#	Jan 2024	Mar 2024
Promoter	62.89	63.21
FII	0	0.01
DII	0	0
Public	37.11	36.78
Others	0	0
Total	100	100

#	Jan 2024	Mar 2024
Promoter	1.56	1.56
FII	0	0
DII	0	0
Public	0.92	0.91
Others	0	0
Total	2.47	2.47

Pros

Company is almost debt free.

Cons

Company has a low return on equity of 9% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.