IBL Finance (NSE:IBLFL) FCF Margin %: -23.14% (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 FCF Margin %?

IBL Finance NSE:IBLFL 35 FCF Margin % is -23.14% as of Mar. 2026. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 530 Credit Services companies, IBL Finance ranks worse than 66.23% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. IBL Finance's Free Cash Flow for the six months ended in Mar. 2026 was ₹-39.7 Mil. IBL Finance's Revenue for the six months ended in Mar. 2026 was ₹171.4 Mil. Therefore, IBL Finance's FCF Margin % for the quarter that ended in Mar. 2026 was -23.14%.

As of today, IBL Finance's current FCF Yield % is -2.67%.

The historical rank and industry rank for IBL Finance's FCF Margin % or its related term are showing as below:

NSE:IBLFL' s FCF Margin % Range Over the Past 10 Years
Min: -359.2   Med: -122.41   Max: -23.14
Current: -23.14

During the past 6 years, the highest FCF Margin % of IBL Finance was -23.14%. The lowest was -359.20%. And the median was -122.41%.

NSE:IBLFL's FCF Margin % is ranked worse than
66.23% of 530 companies
in the Credit Services industry
Industry Median: -0.06 vs NSE:IBLFL: -23.14

IBL Finance FCF Margin % Related Terms

IBL Finance FCF Margin % Historical Data

* Premium members only.

The historical data trend for IBL Finance's FCF 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.

IBL Finance FCF Margin % Chart

IBL Finance Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Margin %
Get a 7-Day Free Trial -173.24 -59.02 -227.52 -359.20 -23.14

IBL Finance Semi-Annual Data
Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Margin % Get a 7-Day Free Trial -173.24 -59.02 -227.52 -359.20 -23.14

NSE:IBLFL vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, IBL Finance's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, IBL Finance's FCF Margin % distribution charts can be found below:

* The bar in red indicates where IBL Finance's FCF Margin % falls into.


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

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

IBL Finance's FCF Margin for the fiscal year that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (A: Mar. 2026 )/Revenue (A: Mar. 2026 )
=-39.668/171.428
=-23.14 %

IBL Finance's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-39.668/171.428
=-23.14 %

* 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 FCF Margin % →
What does a FCF Margin % of -23.14% mean?
IBL Finance (NSE:IBLFL) has a FCF Margin % of -23.14% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on IBL Finance and its competitors. According to the industry distribution chart, IBL Finance ranks #351 out of 530 companies in the Credit Services industry, placing it in the top 66.2%.
Is IBL Finance's FCF Margin % too high?
IBL Finance's current FCF Margin % is -23.14%. Based on the distribution chart, IBL Finance ranks #351 out of 530 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #351 out of 530 companies for FCF Margin %. This places IBL Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on IBL Finance and its competitors. IBL Finance's current FCF Margin % is -23.14%. 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 FCF Margin % of -23.14%. The current FCF Margin % is -23.14%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current FCF Margin % is -23.14% 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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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