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IBL FinanceNSE:IBLFL 41 PB Ratio is 2.47 as of Aug. 10, 2026, which is 0% below its 10-year median of 2.48. GuruFocus rates NSE:IBLFL with a GF Score™ of 41/100. The stock has 7 warning signs investors should review. Among 526 Credit Services companies, IBL Finance ranks worse than 80.8% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-10), IBL Finance's share price is ₹61.00. IBL Finance's Book Value per Share for the quarter that ended in Mar. 2026 was ₹24.70. Hence, IBL Finance's PB Ratio of today is 2.47.
The historical rank and industry rank for IBL Finance's PB Ratio or its related term are showing as below:
NSE:IBLFL'
s PB Ratio Range Over the Past 10 Years
Min: 1.95 Med: 2.48 Max: 8.13
Current: 2.47
During the past 6 years, IBL Finance's highest PB Ratio was 8.13. The lowest was 1.95. And the median was 2.48.
NSE:IBLFL's PB Ratio is ranked worse than 80.8% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs NSE:IBLFL: 2.47
During the past 12 months, IBL Finance's average Book Value Per Share Growth Rate was 4.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 43.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 100.10% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of IBL Finance was 162.10% per year. The lowest was 43.50% per year. And the median was 154.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
IBL Finance PB Ratio Related Terms
IBL Finance PB Ratio Historical Data
* Premium members only.
The historical data trend for IBL Finance's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where IBL Finance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
IBL Finance's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
IBL Finance (NSE:IBLFL) has a PB Ratio of 2.47 as of Aug. 10, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IBL Finance and its competitors. This is near median its historical median of 2.48. Over the past decade, IBL Finance's PB Ratio has ranged from 1.95 to 8.13. According to the industry distribution chart, IBL Finance ranks #425 out of 526 companies in the Credit Services industry, placing it in the top 80.8%.
Is IBL Finance's PB Ratio too high?
IBL Finance's current PB Ratio of 2.47 is near median its 10-year median of 2.48. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 8.13. The Credit Services industry median PB Ratio is 1.06. IBL Finance's value of 2.47 is 133% above this industry median. Based on the distribution chart, IBL Finance ranks #425 out of 526 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, IBL Finance has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #425 out of 526 companies for PB Ratio. This places IBL Finance in the lower half of its industry. The industry median PB Ratio is 1.06. IBL Finance's value of 2.47 is 133% above this benchmark. Historically, IBL Finance's own PB Ratio has ranged from 1.95 to 8.13 over the past decade. While the company's 10-year median is 2.48 vs. the industry median of 1.06, IBL Finance has consistently been above 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBL Finance's current PB Ratio of 2.47 is 133% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IBL Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current PB Ratio is 2.47, which is near median its own 10-year median of 2.48. 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 PB Ratio of 2.47. The current PB Ratio is 2.47, which is near median its 10-year median of 2.48 and 133% above the Credit Services industry median of 1.06. IBL Finance's overall GF Score™ is 41/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current PB Ratio is 2.47 as of Aug. 10, 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.
41GF Score
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