IBL Finance (NSE:IBLFL) EBIT: ₹30.1 Mil (TTM As of Mar. 2026)


NSE:IBLFL IBL Finance Ltd NSE:IBLFL
35 GF Score
Price ₹60.00
! 8 Warning Signs
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What is IBL Finance EBIT?

IBL Finance NSE:IBLFL 35 EBIT is ₹30.1 Mil as of Mar. 2026. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review.

IBL Finance's earnings before interest and taxes (EBIT) for the six months ended in Mar. 2026 was ₹30.1 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹30.1 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. IBL Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 1.95%. IBL Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 330.57%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. IBL Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1.49%.

IBL Finance  (NSE:IBLFL) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

IBL Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=30.143 * ( 1 - 23.71% )/( (1098.325 + 1261.304)/ 2 )
=22.9960947/1179.8145
=1.95 %

where

Invested Capital(Q: Mar. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1128.744 - 2.145 - ( 28.274 - max(0, 34.944 - 501.942+28.274))
=1098.325

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1298.647 - 0.513 - ( 36.83 - max(0, 70.156 - 854.598+36.83))
=1261.304

Note: The Operating Income data used here is one times the annual (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

IBL Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=30.143/( ( (8.196 + max(-1.683, 0)) + (10.041 + max(-8.546, 0)) )/ 2 )
=30.143/( ( 8.196 + 10.041 )/ 2 )
=30.143/9.1185
=330.57 %

where Working Capital is:

Working Capital(Q: Mar. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 30.634) - (2.145 + 0 + 30.172)
=-1.683

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 54.165) - (0.513 + 0 + 62.198)
=-8.546

When net working capital is negative, 0 is used.

Note: The EBIT data used here is one times the annual (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

IBL Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=30.143/2025.494
=1.49 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

IBL Finance EBIT Related Terms

IBL Finance EBIT Historical Data

* Premium members only.

The historical data trend for IBL Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

IBL Finance EBIT Chart

IBL Finance Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial 5.70 28.68 30.63 28.89 30.14

IBL Finance Semi-Annual Data
Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT Get a 7-Day Free Trial 5.70 28.68 30.63 28.89 30.14

NSE:IBLFL vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, IBL Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

IBL Finance EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, IBL Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where IBL Finance's EV-to-EBIT falls into.


NSE:IBLFL
35GF Score
IBL Finance Ltd NSE:IBLFL
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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IBL Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was ₹30.1 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹30.1 Mil mean?
IBL Finance (NSE:IBLFL) has a EBIT of ₹30.1 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on IBL Finance.
Is IBL Finance's EBIT too high?
IBL Finance's current EBIT is ₹30.1 Mil. Overall, IBL Finance has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's EBIT compare to V and MA?
IBL Finance's EBIT of ₹30.1 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on IBL Finance. IBL Finance's current EBIT is ₹30.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current EBIT of ₹30.1 Mil. The current EBIT is ₹30.1 Mil. IBL Finance's overall GF Score™ is 35/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current EBIT is ₹30.1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

IBL Finance Business Description

Address Causeway Road, Shop-151, Silver Stone Arcade, Near. Kantheriya Hanuman Temple, Singanpore, Katargam, Surat, GJ, IND, 395004
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
35GF Score

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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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