IBL FinanceNSE:IBLFL +4.90%35 Net Margin % is 14.24% as of Mar. 2026, which is 4% below its 10-year median of 14.81. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 533 Credit Services companies, IBL Finance ranks worse than 51.03% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IBL Finance's Net Income for the
six
months ended in Mar. 2026 was ₹24.4 Mil. IBL Finance's Revenue for the
six
months ended in Mar. 2026 was ₹171.4 Mil. Therefore, IBL Finance's net margin for the quarter that ended in Mar. 2026 was 14.24%.
The historical rank and industry rank for IBL Finance's Net Margin % or its related term are showing as below:
NSE:IBLFL'
s Net Margin % Range Over the Past 10 Years
Min: -8.78 Med: 14.81 Max: 18.18
Current: 14.24
NSE:IBLFL's Net Margin % is ranked worse than 51.03% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs NSE:IBLFL: 14.24
IBL Finance (NSE:IBLFL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
IBL Finance Net Margin % Related Terms
IBL Finance Net Margin % Historical Data
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The historical data trend for IBL Finance's Net 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.
For the Credit Services subindustry, IBL Finance's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where IBL Finance's Net 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 Net Margin % of 14.24% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on IBL Finance and its competitors. This is near median its historical median of 14.81. According to the industry distribution chart, IBL Finance ranks #272 out of 533 companies in the Credit Services industry, placing it in the top 51%.
Is IBL Finance's Net Margin % too high?
IBL Finance's current Net Margin % of 14.24% is near median its 10-year median of 14.81. The Credit Services industry median Net Margin % is 14.54. IBL Finance's value of 14.24% is 2.1% below this industry median. Based on the distribution chart, IBL Finance ranks #272 out of 533 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #272 out of 533 companies for Net Margin %. This places IBL Finance in the lower half of its industry. The industry median Net Margin % is 14.54. IBL Finance's value of 14.24% is 2.1% below this benchmark. While the company's 10-year median is 14.81 vs. the industry median of 14.54, IBL Finance has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBL Finance's current Net Margin % of 14.24% is 2.1% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on IBL Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Net Margin % is 14.24%, which is near median its own 10-year median of 14.81. 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 Net Margin % of 14.24%. The current Net Margin % is 14.24%, which is near median its 10-year median of 14.81 and 2.1% below the Credit Services industry median of 14.54. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current Net Margin % is 14.24% 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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