IBL Finance (NSE:IBLFL) ROCE %: 2.60% (As of Mar. 2026)


NSE:IBLFL IBL Finance Ltd NSE:IBLFL
35 GF Score
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! 8 Warning Signs
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What is IBL Finance ROCE %?

IBL Finance NSE:IBLFL -4.92% 35 ROCE % is 2.60% as of Mar. 2026. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. IBL Finance's annualized ROCE % for the quarter that ended in Mar. 2026 was 2.60%.

IBL Finance  (NSE:IBLFL) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

IBL Finance ROCE % Related Terms

IBL Finance ROCE % Historical Data

* Premium members only.

The historical data trend for IBL Finance's ROCE % 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 ROCE % Chart

IBL Finance Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial 16.81 23.54 7.62 3.42 2.60

IBL Finance Semi-Annual Data
Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE % Get a 7-Day Free Trial 16.81 23.54 7.62 3.42 2.60
NSE:IBLFL
35GF Score
IBL Finance Ltd NSE:IBLFL
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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IBL Finance ROCE % Calculation

IBL Finance's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=30.143/( ( (1128.744 - 34.944) + (1298.647 - 70.156) )/ 2 )
=30.143/( (1093.8+1228.491)/ 2 )
=30.143/1161.1455
=2.60 %

IBL Finance's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Mar. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Mar. 2025 )(Q: Mar. 2026 )
=30.143/( ( (1128.744 - 34.944) + (1298.647 - 70.156) )/ 2 )
=30.143/( ( 1093.8 + 1228.491 )/ 2 )
=30.143/1161.1455
=2.60 %

(1) Note: The EBIT data used here is one times the annual (Mar. 2026) EBIT data.

* 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 ROCE % →
What does a ROCE % of 2.60% mean?
IBL Finance (NSE:IBLFL) has a ROCE % of 2.60% as of Mar. 2026.
Is IBL Finance's ROCE % too high?
IBL Finance's current ROCE % is 2.60%. The Credit Services industry median ROCE % is 3.47. IBL Finance's value of 2.60% is 25% below this industry median. 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 ROCE % compare to V and MA?
IBL Finance's ROCE % of 2.60% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.47. IBL Finance's value of 2.60% is 25% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.47, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBL Finance's current ROCE % of 2.60% is 25% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current ROCE % is 2.60%. 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 ROCE % of 2.60%. The current ROCE % is 2.60% and 25% below the Credit Services industry median of 3.47. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For IBL Finance (NSE:IBLFL), the current ROCE % is 2.60% 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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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