BSE: 0 | NSE: IBLFL | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that IBL Finance Ltd is a below average quality company.
The key valuation ratios of IBL Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of IBL Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 1.1 | 3.3 | 13.3 | 14.1 | 14 | |||||||
| YoY Gr. Rt. % | - | 189.4% | 307% | 6.1% | - | |||||||
| Adj EPS (₹ ) | -0.1 | 0.3 | 1.1 | 0.9 | 0.9 | |||||||
| YoY Gr. Rt. % | - | NA | 289.7% | -18.6% | - | |||||||
| BVPS (₹ ) | 2.1 | 2.4 | 11.4 | 22.8 | 22.8 | |||||||
| YoY Gr. Rt. % | - | 13.6% | 369.8% | 100.3% | - | |||||||
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -2.9 | 6.3 | 12.6 | 5.2 | 0 | |||||||
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | NA | 132.1% | 6.1% | ||||||||
| Adj EPS | NA | NA | NA | -18.6% | ||||||||
| BVPS | NA | NA | 120.3% | 100.3% | ||||||||
| Share Price | - | - | - | - | ||||||||
| RATIOS \ YEARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | - | |||||||
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | - | |||||||
| Margins | ||||||||||||
| Net Profit Margin (%) | -8.8 | 13.1 | 15.4 | 16.2 | 16.1 | |||||||
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -3.2 | 12.8 | 16.9 | 5.9 | 4 | |||||||
Total Income has increased 132.05 CAGR in last 3 years
Return on Equity has declined versus last 3 years average to 4.00%
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.9 | - |
| TTM Sales (₹ Cr.) | 14.1 | - |
| BVPS (₹.) ⓘ | 22.8 | - |
| Reserves (₹ Cr.) ⓘ | 32 | - |
| P/BV ⓘ | 2.83 | - |
| PE ⓘ | 69.82 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 0.00 / 0.00 |
| All Time Low / High (₹) | - / - |
| Market Cap (₹ Cr.) | 159 |
| Equity (₹ Cr.) | 24.7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|
| Income | 1 | 3 | 13 | 14 |
| Interest Income | 1 | 3 | 13 | 14 |
| Other Income ⓘ | 0 | 0 | 0 | 0 |
| Expenditure ⓘ | 1 | 3 | 10 | 11 |
| Interest Expense ⓘ | 0 | 0 | 1 | 0 |
| Operating Expenses ⓘ | 1 | 2 | 6 | 6 |
| Provisions | 0 | 1 | 3 | 4 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0 | 1 | 3 | 3 |
| Taxes ⓘ | 0 | 0 | 1 | 1 |
| Profit After Tax | 0 | 0 | 2 | 2 |
| Adjusted EPS (₹) | -0.1 | 0.3 | 1.1 | 0.9 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 3 | 4 | 21 | 56 | ||||||
| Share Capital ⓘ | 3 | 3 | 9 | 25 | ||||||
| Reserves ⓘ | 0 | 0 | 12 | 32 | ||||||
| Minority Interest | 0 | 0 | 0 | 0 | ||||||
| Long Term Borrowings | 0 | 0 | 0 | 3 | ||||||
| Current Liabilities | 0 | 7 | 2 | 7 | ||||||
| Trade Payables | 0 | 0 | 0 | 0 | ||||||
| Short term borrowings | 0 | 6 | 0 | 5 | ||||||
| Other Liabilities | 0 | -6 | 0 | -5 | ||||||
| Total Liabilities ⓘ | 3 | 10 | 22 | 66 | ||||||
Assets | ||||||||||
| Non Current Asset | 0 | 0 | 0 | 19 | ||||||
| Loan Asset | 0 | 0 | 0 | 0 | ||||||
| Other Non Current Asset ⓘ | 0 | 0 | 0 | 19 | ||||||
| Current Asset | 3 | 10 | 22 | 47 | ||||||
| Current Investment | 0 | 0 | 0 | 0 | ||||||
| Other Current Asset | 3 | 10 | 22 | 47 | ||||||
| Total Assets ⓘ | 3 | 10 | 22 | 66 | ||||||
| PARTICULARS | Mar'21 | Mar'22 | Mar'23 | Mar'24 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | 1 | 2 | 1 | ||||||
| DPS (₹) | 0 | 0 | 0 | 0 | ||||||
| BVPS (₹) | 10 | 11 | 23 | 23 | ||||||
Performance Ratios | ||||||||||
| ROA (%) | -2.9 | 6.3 | 12.6 | 5.2 | ||||||
| ROE (%) | -3.2 | 12.8 | 16.9 | 5.9 | ||||||
| ROCE (%) | -2.8 | 9.9 | 26.6 | 8.5 | ||||||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 2.3 | ||||||
IBL Finance was originally incorporated as a private company in the name and style of ‘IBL Finance Private Limited’ under Companies Act, 2013 vide certificate of incorporation dated August 03, 2017 issued by Registrar of Companies, Central Registration Center. The company was converted into a public limited company pursuant to the special resolution passed by the Shareholders of the Company at the Extra-Ordinary General Meeting held on April 27, 2023 and consequently upon conversion, the name of the company was changed to ‘IBL Finance Limited’ vide a fresh certificate of incorporation dated May 22, 2023.
IBL Finance commenced its lending business to self-employed professional and small business entrepreneurs during the financial year March 31, 2019. Subsequently, from the Fiscal 2020 it migrated to fintech based financial services platform. As a technology-driven fintech company, it leverages technology and data-science to make lending quick and easy. The company through its mobile App provides instant personal loans which is almost 100% digital process. It launched personal loans business to fulfil the needs of the underserved Indian population. Its digital personal loan offering is well-suited to address the needs of the growing digitally connected Indians.
The company’s digital lending process is the key differentiators driving business growth. The process of downloading the IBL: Instant Personal Loan App, completing the entire loan application and receiving the approval in under 5 minutes and disbursement of the proceeds of the loan in their bank account is within 24 hours. Its personal loan is repaid in equal monthly installment basis (EMI) over the tenure of the loan. Its extensive range of ticket sizes and tenors of loans can address a large number of use cases such as: (a) planned personal expenses, e.g., home renovation, travel, high ticket purchases and weddings, (b) emergency medical expenses, and (c) short-term business needs.
Business area of the company
The company commenced its lending business to self-employed professional and small business entrepreneurs during the financial year March 31, 2019. Subsequently, from the Fiscal 2020 it migrated to fintech-based financial services platform that leverages technology and data-science to provide instant personal loans.
History and milestones
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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