IBL Finance Ltd
Ticker: IBLFL
Risky
48/100
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Investing Reference
Price
68.80
Market Cap
170.15
Debt/Equity
0.7530
ROE %
4.088
PB
2.9006
Promoter %
63.209
Pledge %
0.000
1Y Rev Growth %
-8.158
5Y Rev Growth %
64.935
NP Margin %
17.994
NP Margin 5Y Avg %
10.679
Trading Reference
1M Return %
3.849
6M Return %
22.748
1Y Return %
-13.946
% Away 52W High
16.206
% Away 52W Low
51.375
Daily Volume
8000
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 51/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
IBL Finance Ltd is currently trading near a key support level, with the 50-day EMA showing upward momentum. If the stock breaks above the resistance level, it could see a significant upside. However, if it falls below the support, there could be a notable downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
IBL Finance Ltd is a leading financial services provider in India, dedicated to offering innovative solutions for individuals and businesses alike. With a focus on customer-centric services, IBL Finance aims to empower clients to achieve their financial goals through tailored products and expert guidance. Whether you're looking for personal loans, business financing, or investment options, IBL Finance has you covered. Their commitment to transparency and integrity makes them a trusted partner in your financial journey.
- Leading financial services provider in India
- Tailored solutions for individuals and businesses
- Focus on customer-centric services
- Expert guidance to achieve financial goals
- Commitment to transparency and integrity
Investment Thesis
IBL Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to its peers. This positions the company well for long-term growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Rapid growth in digital services aligns with market trends and consumer preferences.
- Attractive valuation metrics make it a cost-effective investment compared to peers.
- Robust financial performance and strategic initiatives signal future growth potential.
- Diversified service offerings mitigate risks and enhance revenue streams.
Opportunity vs Risk
Opportunities
- Strong growth in retail financing
- Expanding digital service offerings
- Rising demand for personal loans
- Improving asset quality
- Strategic partnerships with fintechs
Risks ⚠️
- Economic slowdown impacts lending
- High competition in finance sector
- Regulatory changes affecting operations
- Rising interest rates
- Potential loan defaults increase
Peer Perspective
IBL Finance Ltd trades at a slight premium compared to peers like Muthoot Finance and Manappuram Finance, reflecting its growth potential. A sustained improvement in margin stability could trigger a rerating in its valuation.
Future Outlook
IBL Finance Ltd is well-positioned for growth in the coming years, provided it maintains strict cost control and executes its strategic initiatives effectively, which could enhance shareholder value significantly.
AI FAQs for Retail Users
- Q: What does IBL Finance Ltd do?A: IBL Finance Ltd primarily provides financial services including loans and investment solutions.
- Q: Is IBL Finance Ltd a good investment?A: Investing in IBL Finance Ltd depends on individual financial goals and market conditions.
- Q: What are the risks of investing in IBL Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of IBL Finance Ltd?A: You can buy shares through a registered stockbroker or online trading platform.
- Q: What is the dividend policy of IBL Finance Ltd?A: IBL Finance Ltd's dividend policy may vary; check their latest announcements for updates.
📊 Stock Investment Checklist (100 Points)
IBL Finance Ltd • Updated: 2025-09-18 07:17:44
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8BusinessHighThe finance sector is evolving with digital transformation, but IBL's competitive edge is unclear.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is not robust.
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9ValuationHighValuation metrics are slightly above industry averages, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are on the lower side.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding transparency.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
IBL Finance Ltd shows several weaknesses in growth consistency and profitability, with risks outweighing potential rewards.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100