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IBL FinanceNSE:IBLFL 39 Return-on-Tangible-Equity is 4.12% as of Mar. 2026, which is 19% below its 10-year median of 5.07. GuruFocus rates NSE:IBLFL with a GF Score™ of 39/100. The stock has 7 warning signs investors should review. Among 527 Credit Services companies, IBL Finance ranks worse than 58.82% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. IBL Finance's annualized net income for the quarter that ended in Mar. 2026 was ₹24.4 Mil. IBL Finance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹591.7 Mil. Therefore, IBL Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.12%.
The historical rank and industry rank for IBL Finance's Return-on-Tangible-Equity or its related term are showing as below:
NSE:IBLFL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -3.21 Med: 5.07 Max: 16.92
Current: 4.12
During the past 6 years, IBL Finance's highest Return-on-Tangible-Equity was 16.92%. The lowest was -3.21%. And the median was 5.07%.
NSE:IBLFL's Return-on-Tangible-Equity is ranked worse than 58.82% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs NSE:IBLFL: 4.12
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
IBL Finance Return-on-Tangible-Equity Related Terms
IBL Finance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for IBL Finance's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, IBL Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where IBL Finance's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.12% mean?
IBL Finance (NSE:IBLFL) has a Return-on-Tangible-Equity of 4.12% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on IBL Finance and its competitors. This is 19% below median its historical median of 5.07. According to the industry distribution chart, IBL Finance ranks #310 out of 527 companies in the Credit Services industry, placing it in the top 58.8%.
Is IBL Finance's Return-on-Tangible-Equity too high?
IBL Finance's current Return-on-Tangible-Equity of 4.12% is 19% below median its 10-year median of 5.07. The Credit Services industry median Return-on-Tangible-Equity is 7.05. IBL Finance's value of 4.12% is 41.6% below this industry median. Based on the distribution chart, IBL Finance ranks #310 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, IBL Finance has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #310 out of 527 companies for Return-on-Tangible-Equity. This places IBL Finance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.05. IBL Finance's value of 4.12% is 41.6% below this benchmark. While the company's 10-year median is 5.07 vs. the industry median of 7.05, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBL Finance's current Return-on-Tangible-Equity of 4.12% is 41.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on IBL Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Return-on-Tangible-Equity is 4.12%, which is 19% below median its own 10-year median of 5.07. 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 Return-on-Tangible-Equity of 4.12%. The current Return-on-Tangible-Equity is 4.12%, which is 19% below median its 10-year median of 5.07 and 41.6% below the Credit Services industry median of 7.05. IBL Finance's overall GF Score™ is 39/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current Return-on-Tangible-Equity is 4.12% 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.
39GF Score
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