IBL FINANCE LIMITE Stock Price Today (NSE: IBLFL)
Fundamental Score
IBL FINANCE LIMITE Share Price Live NSE/BSE & Institutional Fundamental Analysis
IBL FINANCE LIMITE share price today is ₹49.75, up +0.00% on NSE/BSE as of 18 February 2026. IBL FINANCE LIMITE (IBLFL) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹171.88 (Cr). The 52-week high for IBLFL share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 76.73x, IBLFL is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 4.11% and a debt-to-equity ratio of 0.62.
IBL FINANCE LIMITE Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
IBL FINANCE LIMITE Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
IBL FINANCE LIMITE Share Price: A Conservative Value Investor's Perspective
The NBFC sector, while offering pockets of high growth, requires a keen eye for risk management and asset quality. This is especially true in the current economic climate where liquidity and credit availability are under pressure. Understanding the dynamics of asset-liability mismatch is crucial. Our analysis focuses on capital safety and a margin of safety when evaluating names like IBL FINANCE LIMITE. This financial analysis, part of an 80-parameter fundamental audit verified by Sweta Mishra, aims to provide an objective assessment of IBL FINANCE LIMITE share price based on publicly available data.
Currently, IBL FINANCE LIMITE share price trades at ₹48.04999923706055 with a Price-to-Earnings (PE) ratio of 76.73. This relatively high PE suggests that the market has high expectations for future earnings growth. However, from a conservative value investing perspective, such a high multiple warrants further scrutiny. We need to assess whether this premium is justified by the company's intrinsic fundamentals.
One critical factor is the Return on Capital Employed (ROCE) of 7.53%. While a positive ROCE is desirable, it raises questions regarding the company’s competitive advantage. A ROCE of 7.53% suggests a limited economic moat, meaning the company might face difficulties sustaining profitability in a competitive environment or when facing adverse economic conditions. Lower moat can impact the company's long term stability and stock performance.
Furthermore, comparing IBL FINANCE LIMITE with its peers is essential. For instance,
Apollo Finvest has different management quality and strategy, that might reflect in asset quality metrics. Evaluating management quality, capital allocation decisions, and corporate governance practices of IBL FINANCE LIMITE, compared to peers like Apollo Finvest, is crucial to ascertain the sustainability of its business model and future performance. This analysis is purely observational and does not constitute investment advice.Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
IBL FINANCE LIMITE Fundamental Analysis & Valuation Benchmarking
Educational evaluation of IBLFL across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (33.88%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (38.78%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (64.93% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (52.40% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (117.97% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (63.20%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (4.11%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.53%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 76.73x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Weak Interest Coverage (1.56x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-92.94 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
IBL FINANCE LIMITE Financial Statements
Comprehensive financial data for IBL FINANCE LIMITE including income statement, balance sheet and cash flow
About IBLFL (IBL FINANCE LIMITE)
IBL FINANCE LIMITE (IBLFL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹171.88 (Cr). IBL FINANCE LIMITE has delivered a Return on Equity (ROE) of 4.11% and a ROCE of 7.53%. The debt-to-equity ratio stands at 0.62, reflecting the company's capital structure. Investors tracking IBLFL share price can monitor key metrics including P/E ratio, promoter holding of 63.20%, and quarterly earnings growth.
Company Details
IBLFL Share Price: Frequently Asked Questions
What is the current share price of IBL FINANCE LIMITE (IBLFL)?
As of 18 Feb 2026, 10:10 am IST, IBL FINANCE LIMITE share price is ₹49.75. The IBLFL stock has a market capitalisation of ₹171.88 (Cr) on NSE/BSE.
Is IBLFL share price Overvalued or Undervalued?
IBLFL share price is currently trading at a P/E ratio of 76.73x, compared to the industry average of 22.03x. Based on this relative valuation, the IBL FINANCE LIMITE stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of IBLFL share price?
The 52-week high of IBLFL share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the IBL FINANCE LIMITE share price?
Key factors influencing IBLFL share price include quarterly earnings growth (Sales Growth: 38.78%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is IBL FINANCE LIMITE a good stock for long-term investment?
IBL FINANCE LIMITE shows a 5-year Profit Growth of 117.97% and an ROE of 4.11%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.62 before investing in IBLFL shares.
How does IBL FINANCE LIMITE compare with its industry peers?
IBL FINANCE LIMITE competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare IBLFL share price P/E of 76.73x and ROE of 4.11% against the industry averages to determine competitive standing.
What is the P/E ratio of IBLFL and what does it mean?
IBLFL share price has a P/E ratio of 76.73x compared to the industry average of 22.03x. Investors pay ₹77 for every ₹1 of annual earnings.
How is IBLFL performing according to Bull Run's analysis?
IBLFL has a Bull Run fundamental score of 49.9/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does IBLFL belong to?
IBLFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting IBL FINANCE LIMITE share price.
What is Return on Equity (ROE) and why is it important for IBLFL?
IBLFL has an ROE of 4.11%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently IBL FINANCE LIMITE generates profits from shareholders capital.
How is IBLFL debt-to-equity ratio and what does it indicate?
IBLFL has a debt-to-equity ratio of 0.62, which indicates moderate leverage that should be monitored.
What is IBLFL dividend yield and is it a good dividend stock?
IBLFL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in IBL FINANCE LIMITE shares.
How has IBLFL share price grown over the past 5 years?
IBLFL has achieved 5-year growth rates of: Sales Growth 64.93%, Profit Growth 117.97%, and EPS Growth 52.40%.
What is the promoter holding in IBLFL and why does it matter?
Promoters hold 63.20% of IBLFL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in IBL FINANCE LIMITE.
What is IBLFL market capitalisation category?
IBLFL has a market capitalisation of ₹172 crores, placing it in the Small-cap category.
How volatile is IBLFL stock?
IBLFL has a beta of N/A. A beta > 1 suggests the IBL FINANCE LIMITE stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is IBLFL operating profit margin trend?
IBLFL has a 5-year average Operating Profit Margin (OPM) of 33.88%, indicating the company's operational efficiency.
How is IBLFL quarterly performance?
Recent quarterly performance shows IBL FINANCE LIMITE YoY Sales Growth of 38.78% and YoY Profit Growth of -8.15%.
What is the institutional holding pattern in IBLFL?
IBLFL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the IBL FINANCE LIMITE stock.