IBL FinanceNSE:IBLFL +4.90%35 EBITDA Margin % is 21.03% as of Mar. 2026, which is 2% below its 10-year median of 21.49. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 413 Credit Services companies, IBL Finance ranks worse than 50.12% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. IBL Finance's EBITDA for the
six
months ended in Mar. 2026 was ₹36.1 Mil. IBL Finance's Revenue for the
six
months ended in Mar. 2026 was ₹171.4 Mil. Therefore, IBL Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 21.03%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
IBL Finance EBITDA Margin % Related Terms
IBL Finance EBITDA Margin % Historical Data
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The historical data trend for IBL Finance's EBITDA Margin % 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.
NSE:IBLFL vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, IBL Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where IBL Finance's EBITDA Margin % falls into.
* 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 (NSE:IBLFL) has a EBITDA Margin % of 21.03% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on IBL Finance and its competitors. This is near median its historical median of 21.49. According to the industry distribution chart, IBL Finance ranks #207 out of 413 companies in the Credit Services industry, placing it in the top 50.1%.
Is IBL Finance's EBITDA Margin % too high?
IBL Finance's current EBITDA Margin % of 21.03% is near median its 10-year median of 21.49. The Credit Services industry median EBITDA Margin % is 21.03. IBL Finance's value of 21.03% is 0% at this industry median. Based on the distribution chart, IBL Finance ranks #207 out of 413 companies in the Credit Services industry, which is below the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #207 out of 413 companies for EBITDA Margin %. This places IBL Finance in the lower half of its industry. The industry median EBITDA Margin % is 21.03. IBL Finance's value of 21.03% is 0% at this benchmark. While the company's 10-year median is 21.49 vs. the industry median of 21.03, IBL Finance has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.03, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBL Finance's current EBITDA Margin % of 21.03% is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on IBL Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current EBITDA Margin % is 21.03%, which is near median its own 10-year median of 21.49. 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 EBITDA Margin % of 21.03%. The current EBITDA Margin % is 21.03%, which is near median its 10-year median of 21.49 and 0% at the Credit Services industry median of 21.03. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current EBITDA Margin % is 21.03% 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 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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