58  Total SME IPOs listed in 2025

2,593.84 Crs.  Total funds raised in 2025

40  SME IPOs listed with Gain in 2025

18  SME IPOs listed with loss in 2025

58  Total SME IPOs listed in 2025

2593.84 Crs.  Total funds raised in 2025

40  SME IPOs listed with Gain in 2025

18  SME IPOs listed with loss in 2025

58  Total SME IPOs listed in 2025

2593.84 Crs.  Total funds raised in 2025

40  SME IPOs listed with Gain in 2025

18  SME IPOs listed with loss in 2025

58  Total SME IPOs listed in 2025

2593.84 Crs.  Total funds raised in 2025

40  SME IPOs listed with Gain in 2025

18  SME IPOs listed with loss in 2025

IBL Finance Limited IPO Analysis

IBL Finance IPO is a book build IPO listing on NSE EMERGE exchange. The company is based in Surat and caters to Banking And Finance - FinTech sector. Fedex Securities Private is the merchant banker of IBL Finance IPO. It is a SME IPO which filed its Draft Red Herring Prospectus (DRHP) on 14th August 2023.

IBL Finance IPO posted revenues of Rs 14.79 crores and PAT of Rs 3.63 crores in FY24 on annualised basis.

Nature of IPO : SME
Exchange : NSE EMERGE
IPO Type : Fixed Price

IBL Finance IPO Financial Performance (Restated)

Financial results of IBL Finance IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.

Amount in ₹ crores
Financials
31-Jul-23
FY23
FY22
FY21
Balance Sheet
Assets
23.18
22.18
10.23
3.39

Net Worth
21.69
20.49
3.55
3.13

Total Debt
0.08
0.09
6.41
[●]

Profit & Loss
Revenue
Revenue on annualised basis
4.93
14.79
13.31
3.27
1.13

EBITDA
EBITDA on annualised basis
1.91
5.73
4.00
0.70
-0.02

PAT
PAT on annualised basis
1.21
3.63
1.93
0.43
-0.10

Notes:
1) Total debt incluides long-term borrowings and short-term borrowings.
2) Revenue means the Revenue from Operations as appearing in the Restated Financial Statements.

IBL Finance IPO Key performance Indicators (KPI)

IBL Finance IPO PAT Margin is 24.54%, ROCE (Return on Capital Employed) is 7.18% as per latest financial. The below table shows IBL Finance IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.

Particulars
31-Jul-23
FY23
FY22
FY21

EBITDA Margin (%)
38.74
30.05
21.41
-1.77

PAT Margin (%)
24.54
14.50
13.15
-8.85

EPS (Rs.)
2.65
1.15
0.29
-0.07

ROE (%)
5.58
9.42
12.11
-3.19

ROCE (%)
7.18
18.88
6.32
-3.01

ROA (%)
5.22
8.70
4.20
-2.95

Debt to Equity (x)  
0.00
0.00
1.81
[●]

Notes:
1) The EPS represents post-bonus basic EPS.
2) Return on Equity is ratio of Profit after Tax and Total Equity.
3) Return on Assets is ratio of Profit after Tax and Total Assets.
4) Debt to Equity is ratio of Total borrowings and Total Equity.

IBL Finance IPO Valuation Metrics

The market Capitalisation of IBL Finance IPO is Rs 126.13 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.

Key Metrics (at the time of IPO)


Market Capitalisation (Rs. Cr.):
126.13

Enterprice Value (EV) (Rs. Cr.):
125.69

EV/EBITDA (times) :
21.94

PE Multiple (times) :
34.93

P/B (times) :
2.29

NAV (Rs.) :
22.28

Notes:
1) The Enterprise Value is calculated as Market Cap. + Total Debt - Cash and Cash Equivalents.
2) Price to Book multiple is calculated as the ratio of Market Cap. and Net Worth post IPO proceeds.

What are the key financial metrics in IBL Finance prospectus?

The IBL Finance IPO prospectus highlights an Return on Equity (ROE) of 15%, Return on Assets (ROA) of 12%, and an EBITDA Margin of 18%, showcasing financial performance.

How do profitability ratios impact the evaluation of IBL Finance IPO?

Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows IBL Finance IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.

What is the market capitalisation for IBL Finance IPO ?

The post-IPO market capitalisation of IBL Finance IPO is ₹126.13 Cr, based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.

What is the PE Multiple of IBL Finance IPO?

The IBL Finance IPO has a Price-to-Earnings (PE) ratio of 34.93 X, indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.

What is the Revenue of IBL Finance IPO?

IBL Finance IPO reported revenue of ₹14.79 Cr in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from IBL Finance IPO provide insights into sales growth, market demand, and business scalability.

What is the EBITDA of IBL Finance IPO?

IBL Finance recorded an EBITDA of ₹ 5.73 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.

What is the PAT of IBL Finance IPO?

IBL Finance Profit After Tax (PAT) is ₹3.63 Cr, reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions

IPO Key Highlights

*At the time of IPO, on Annualised Basis
  • Revenue: ₹ 14.79 Cr.
            EBITDA: ₹ 5.73 Cr.
            PAT: ₹ 3.63 Cr.
  • EBITDA Margin: 38.74 %
            Pat Margin: 24.54%
  • Net Worth: ₹ 21.69 Cr.
  • Market Capitalisation: ₹ 126.13 Cr.
  • P/E: 34.93 times
  • P/BV: 2.29 times
  • EV/EBITDA: 21.94 times

Revenue

(As Annualised)

EBITDA

(As Annualised)

PAT

(As Annualised)
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FAQs

IBL Finance operates in Banking And Finance - FinTech and Fintech Based Financial Services Platform.. The Issue is listed on NSE EMERGE in Jan, 2024. IBL Finance IPO size was 33.41 with Issue price of 51.00 .

IBL Finance IPO subscription was 17.00 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.

IBL Finance IPO listed at a listing price of 56.00 against the offer price of 51.00.

The current market price of IBL Finance is 58.85.

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