IBL Finance

Why is IBL Finance Ltd falling/rising?

As of 22-Jun, IBL Finance Ltd's stock price is declining, currently at 54.75, reflecting a 4.78% drop over the past week and underperforming against the benchmark Sensex and its sector. The stock shows bearish trends with decreasing investor participation and is below several key moving averages.

As of 22-Jun, IBL Finance Ltd's stock price is falling, currently at 54.75, which reflects a decrease of 2.75 or 4.78%. This decline is evident in the stock's performance over various periods, showing a 4.78% drop over the past week, an 8.44% decrease over the past month, and a year-to-date decline of 10.25%. In comparison, the benchmark Sensex has shown positive returns during these periods, with a 1.04% increase over the last week and a 1.62% increase over the last month, indicating that IBL Finance Ltd is underperforming relative to the market.<BR><BR>Additionally, the stock has underperformed its sector by 5.73% today, which further highlights its struggles. The moving averages indicate that while the stock is higher than the 100-day moving average, it is lower than the 5-day, 20-day, 50-day, and 200-day moving averages, suggesting a bearish trend. Furthermore, there has been a notable decline in investor participation, with delivery volume falling by 28.57% against the 5-day average, which may indicate waning interest among investors. Overall, these factors contribute to the downward movement of IBL Finance Ltd's stock price.

Which are the latest news on IBL Finance?

What does IBL Finance do?

IBL Finance Ltd is a Non Banking Financial Company (NBFC) focused on the micro cap market, reporting net sales of 8 Cr and a net profit of 1 Cr for September 2025, with a market cap of INR 142 Cr. The company was incorporated in 2017 and became a public limited company in May 2023.

Overview:<BR>IBL Finance Ltd is a Non Banking Financial Company (NBFC) operating within the micro cap market segment.<BR><BR>History:<BR>IBL Finance Limited was originally incorporated as a Private Company in 2017 and later converted into a Public Limited Company in May 2023. The latest quarterly results reported net sales and net profit for September 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 8 Cr (Quarterly Results - Sep 2025)<BR>- Net Profit: 1 Cr (Quarterly Results - Sep 2025)<BR>- Market-cap: INR 142 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 58.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.95<BR>- Return on Equity: 3.99%<BR>- Price to Book: 2.33<BR><BR>Contact Details:<BR>Registrar Address: Not available.

How big is IBL Finance?

As of 10th June, IBL Finance Ltd has a market capitalization of 142.00 Cr, with recent Net Sales of 21.12 Cr and a Net Profit of 3.59 Cr. Shareholder's Funds are 58.66 Cr and Total Assets amount to 112.63 Cr as of March 2025.

As of 10th June, IBL Finance Ltd has a market capitalization of 142.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, IBL Finance reported Net Sales of 21.12 Cr and a Net Profit of 3.59 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 58.66 Cr and Total Assets totaling 112.63 Cr.

Who are the peers of the IBL Finance?

IBL Finance's peers include Reliable Data, Keynote Finan., Sonal Mercantile, Thacker & Co., Worth Investment, PMC Fincorp, Tilak Ventures, and Trustedgecapital. IBL Finance has below average management risk and a 1-year return of -6.81%, lower than all its peers, with Reliable Data showing the highest return at 80.41%.

Peers: The peers of IBL Finance are Reliable Data, Keynote Finan., Sonal Mercantile, Thacker & Co., Worth Investment, PMC Fincorp, Tilak Ventures, and Trustedgecapital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Worth Investment, PMC Fincorp, Tilak Ventures, and Trustedgecapital, while Below Average management risk is found at IBL Finance, Keynote Finan., Sonal Mercantile, and the rest. Growth is rated as Excellent for IBL Finance, Worth Investment, PMC Fincorp, and Tilak Ventures, while Average growth is found at Reliable Data and Sonal Mercantile, and Below Average growth is noted for Keynote Finan. and Thacker & Co. Capital Structure is Excellent at IBL Finance, Keynote Finan., Sonal Mercantile, Worth Investment, PMC Fincorp, Tilak Ventures, and Trustedgecapital, while Average capital structure is seen at Reliable Data and Good at Thacker & Co.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Reliable Data at 80.41%, while IBL Finance has a 1-year return of -6.81%, which is lower than all its peers. The peer with the lowest 1-year return is Thacker & Co., which has no data available. Additionally, Reliable Data and Thacker & Co. have negative six-month returns.

Is IBL Finance overvalued or undervalued?

As of September 1, 2025, IBL Finance is considered very expensive and overvalued, with a PE ratio of 70.73 and significantly higher valuation metrics compared to peers like Bajaj Finance and Life Insurance, despite a strong year-to-date stock return of 24.7%.

As of 1 September 2025, the valuation grade for IBL Finance has moved from fair to very expensive, indicating a significant shift in its market perception. The company is currently deemed overvalued. Key ratios reflect this assessment, with a PE ratio of 70.73, an EV to EBITDA of 48.12, and a PEG ratio of 20.16, all of which are considerably higher than industry norms.<BR><BR>In comparison to its peers, IBL Finance's valuation appears excessive; for instance, Bajaj Finance has a PE ratio of 31.81, while Life Insurance boasts a much lower PE of 11.16. This stark contrast highlights IBL Finance's overvaluation relative to its competitors. Additionally, despite a recent stock return of 24.7% year-to-date, which outperformed the Sensex's 4.15%, the elevated valuation metrics suggest caution for potential investors.

Who are the top shareholders of the IBL Finance?

The top shareholders of IBL Finance include promoter Piyush Mansukhbhai Patel with 11.81% ownership, individual investors at 31.48%, and public shareholder Jagdish Babulal Valani with 2.69%. There are no pledged promoter holdings or mutual funds involved.

The top shareholders of IBL Finance primarily consist of promoters, with Piyush Mansukhbhai Patel being the promoter with the highest holding at 11.81%. Additionally, individual investors hold a significant portion of the shares, accounting for 31.48%. The highest public shareholder is Jagdish Babulal Valani, who holds 2.69%. There is also one foreign institutional investor (FII) that holds a very small stake of 0.01%. Notably, there are no pledged promoter holdings and no mutual funds involved in the shareholding.

What is the technical trend for IBL Finance?

As of June 6, 2025, IBL Finance shows a mildly bullish trend based on weekly indicators like the MACD and Bollinger Bands, despite some short-term weakness indicated by daily moving averages.

As of 6 June 2025, the technical trend for IBL Finance has changed from sideways to mildly bullish. The weekly MACD is bullish, supporting the positive outlook, while the Bollinger Bands also indicate a bullish stance. The KST and OBV on a weekly basis are mildly bullish, reinforcing the upward momentum. However, the daily moving averages are mildly bearish, suggesting some short-term weakness. The Dow Theory shows a mildly bullish trend on the weekly chart, but no trend is observed on the monthly. Overall, the current technical stance is mildly bullish, driven primarily by the weekly indicators.

How has been the historical performance of the IBL Finance?

IBL Finance has shown consistent growth over the past four years, with net sales rising from Rs 1.13 crore in March 2021 to Rs 14.12 crore in March 2024, and profitability improving significantly, including a profit after tax of Rs 2.28 crore. Total assets also grew from Rs 3.39 crore to Rs 66.24 crore during this period.

Answer:<BR>The historical performance of IBL Finance shows a consistent growth trend in net sales and profitability over the past four years.<BR><BR>Breakdown:<BR>IBL Finance's net sales increased from Rs 1.13 crore in March 2021 to Rs 14.12 crore in March 2024, reflecting a significant upward trajectory. The total operating income followed a similar pattern, rising from Rs 1.13 crore in March 2021 to Rs 14.12 crore in March 2024. Operating profit, excluding other income, also improved markedly, moving from a loss of Rs 0.03 crore in March 2021 to a profit of Rs 3.18 crore in March 2024. The profit before tax showed a positive trend, increasing from a loss of Rs 0.09 crore in March 2021 to Rs 3.04 crore in March 2024, while the profit after tax rose from a loss of Rs 0.10 crore to Rs 2.28 crore in the same period. The company's earnings per share (EPS) improved from a loss of Rs 0.14 in March 2021 to Rs 0.92 in March 2024. On the balance sheet, total assets grew significantly from Rs 3.39 crore in March 2021 to Rs 66.24 crore in March 2024, with total liabilities also increasing from Rs 3.39 crore to Rs 66.24 crore. Cash flow from operating activities remained negative but improved from Rs -13 crore in March 2024 compared to previous years, while cash flow from financing activities surged to Rs 36 crore in March 2024, contributing to a net cash inflow of Rs 4 crore. Overall, IBL Finance has demonstrated robust growth in sales and profitability, alongside a significant increase in assets and cash flow management.

When is the next results date for IBL Finance?

No Upcoming Board Meetings

Has IBL Finance declared dividend?

No Dividend History Available