Annual reportJul 2026
Jul 2026 · General Updates 7 July 2026 - IBL Finance sent FY2025-26 AGM notice and annual report; AGM on July 31, 2026.
Source: Nse
IBL Finance Ltd. (IBLFL)
SME CapFinancial Services stocks · SME cap · NSE
IBL Finance Ltd. operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:31 pm ISTDetails
Quote21 Oct, 03:31 pm IST
Base fundamentals20 Oct 2026 · screener
Latest result01 May, 04:20 am IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
61Bullishfull bull SMA stack · MACD −
Stock trend: 72
Sector RS: 45
Sector 3M: -5.7% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
IBLFLD candles · FIT view-4.8%Latest close ₹62.00 on 2026-10-21
Bar
+1.0%
RSI
53
MACD hist
-0.18
52W pos
63%
2026-10-21O ₹61.40H ₹62.00L ₹61.40C ₹62.00Vol 8,000 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
IBLFLNifty Financial ServicesNifty 500
- IBLFL
- +1.6%
- Nifty 500
- -5.0%
- Nifty Financial Services
- -5.0%
- Vs Nifty 500
- +6.6 pp
Chart stats
21 Oct 2026- From 52W high
- -16.2%
- 52W range position
- 60%
- ATR (14)
- 3.1%
- Volume vs 20D
- 1.45x
- Avg traded value
- ₹0 Cr
- 20D price channel
- ₹57.3 - ₹64.5
₹74
₹44 - ₹74
₹1.9
Latest completed session
20-session average
32.8% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is mixed.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · OVERVALUED14
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Excellent75
Revenue +18.3% · PAT +26.3% YoY
Technical
Bullish61
Price trend and sector-relative-strength timing.
Valuation
Legacy model-145.6%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence56
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 31 Mar 2026
Excellent · 75/100Rev +18% YoY · PAT +26% YoY · +10% QoQ · operating leverage
Filed 31 Mar 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹9 Cr | +18.3% | +10.2% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹1.2 Cr | +26.3% | -3.2% |
| PAT margin | 13.3% | NDF | -185 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 60.30
- P/B
- 2.41
- EV/EBITDA
- 347.20
- Market Cap
- 147.00Cr
Profitability
- ROE
- 4.07%
- ROCE
- 8.46%
- ROA
- 1.88%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 73.00%
- EPS 5Y
- 92.00%
- Revenue 3Y
- 9.00%
- EPS 3Y
- 6.00%
Balance Sheet
- Debt/Equity
- 0.95
- Interest Coverage
- —
- Altman Z
- 1.88
- Book Value
- 24.70
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 0/5
- OCF
- -3.40 Cr
- EPS TTM
- 0.99
Shareholding
- Promoter Hold
- 63.18%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 54%
Financial History
Updated 21/10/2026
Revenue
₹ CrLatest: 9.0+10.2% vs prev
Net Profit
₹ CrLatest: 1.2-3.2% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend unclear. RSI 53.
- SMA20 roughly flat — short-term momentum stalled.
- RSI(14) at 53 — falling, no extreme reading.
- MACD below signal, histogram expanding negatively — bearish momentum building.
- 15% off 52W high · 41% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
75
RS percentile
Stage 3 Topping
1M return
+1.6%
3M return
+7.8%
6M return
+31.9%
1Y return
-3.9%
RS 1D
+7
RS 20D
+18
Sector rank
#10
Industry rank
#64
Stage evidence
- 14.8% below the 52-week closing high after prior strength.
- The 30-week proxy has stalled (+0.2% over 20 sessions).
- Price has not yet confirmed a full Stage 4 downtrend.
50-DMA
price above
200-DMA
price above
Sector
weakening
Industry
lagging
Relative-strength line vs Nifty 500 (base 100)
203 observations
21 Oct 2026Value 100.4+6.27%
RS vs Nifty 500100
Valuation & peers
U-Score 14 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 14 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
OVERVALUED
Fundamental score breakdown
U band · OVERVALUEDValuation0/30
Growth16/25
Quality0/20
Balance Sheet5/15
Cash Flow0/10
Piotroski
4/9 (+1)
Penalties
-8
Raw sum
14
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
14/100 · legacy band OVERVALUED
Positive drivers
- Growth contributes 16/25 to the score.
- Balance sheet contributes 5/15 to the score.
- Valuation contributes 0/30 to the score.
Main drags
- Penalty bucket subtracts 8 points.
- Fair-value margin of safety is negative at -145.6%.
- Valuation is weaker at 0/30; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
60.3
PB
2.4
EV/EBITDA
347.2
ROE
4.1%
ROCE
8.5%
FCF Yield
—
Debt/Equity
0.9
MoS
-145.6%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
14
Previous: 14
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
-145.6%
Previous: -135.7%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
14
14
14
14
14
14
14
14
14
14
14
14
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹23.46
-164.3% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹25.25
-145.6% MoS
PEG
1.05
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
FINBUD
SME
Finbud Financial Services Ltd.
NBFC
match 155
42
20.6
15.4%
+23%
WATCHLIST
DCCL
SME
Dar Credit & Capital Ltd.
NBFC
match 155
52
5.4
11.4%
+79%
FAIR VALUE
BAIDFIN
Small
Baid Finserv Limited
NBFC
match 154
42
11.0
7.3%
+62%
WATCHLIST
DCMFINSERV
Small
DCM Financial Services Limited
NBFC
match 149
15
—
—
—
OVERVALUED
HYBRIDFIN
Small
Hybrid Financial Services Limited
NBFC
match 148
50
20.1
6.5%
+27%
FAIR VALUE
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
IBL Finance Ltd. operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 31 Mar 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
56Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 18th percentile of the scored universe and 31st percentile within Financial Services. Main check: cash conversion is weak at 28/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
0 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
18th percentile
overall median 67 · Financial Services: 31st pctile, median 62 · SME: 19th pctile, median 64
Evidence depth
Financial-only
0 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
28
weak · profit to cash conversion
Balance sheet
65
acceptable · leverage and solvency
Discipline
52
watch · capital discipline
Results
55
watch · quarterly consistency
Trust positives
- ▸Promoter holding is 63.2%.
- ▸Promoter pledge is zero.
Trust risks
- ▸Operating cash flow is negative at ₹-3 Cr.
- ▸Only 0 years of positive FCF.
- ▸ROE is low at 4.1%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching IBL Finance Ltd.
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual reportJul 2026
Jul 2026 · Shareholders meeting 7 July 2026 - FY 2025-26 annual report and AGM notice; AGM on 31 July 2026 via VC/OAVM.
Source: Nse
Annual reportJul 2026
Jul 2026 · Copy of Newspaper Publication 4 July 2026 - IBL Finance will hold its 9th AGM on July 31, 2026 via VC/OAVM; annual report to follow.
Source: Nse
Annual reportMar 2026
Mar 2026 · Annual Report 2026
Source: Nse
Annual reportMar 2025
Mar 2025 · Annual Report 2025
Source: Nse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.