IFB Financials
NSE: IFBIND | BSE: 505726
₹1,272.00
₹-28.10
(-2.16%)
As on 15-Sep-2026IST
Market cap
₹5,140 Cr
Revenue (TTM)
₹5,866 Cr
P/E Ratio
32
P/B Ratio
5
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Revenue
|
5,865.91
|
5,619.48
|
5,091.71
|
4,437.84
|
4,194.99
|
3,415.38
|
|
|
|
|
|
|
Total Income
|
5,894.83
|
5,657.13
|
5,134.51
|
4,476.48
|
4,221.88
|
3,443.27
|
|
|
|
|
|
|
Total Expenditure
|
5,522.15
|
5,302.08
|
4,793.94
|
4,224.27
|
4,032.58
|
3,366.73
|
|
|
|
|
|
|
EBITDA
|
343.76
|
317.40
|
297.77
|
213.57
|
162.41
|
48.65
|
|
|
|
|
|
|
Depreciation
|
124.28
|
122.09
|
131.87
|
124.39
|
121.50
|
115.45
|
|
|
|
|
|
|
EBIT
|
219.48
|
195.31
|
165.90
|
89.18
|
40.91
|
-66.80
|
|
|
|
|
|
|
Interest
|
20.23
|
25.15
|
26.96
|
30.67
|
33.21
|
34.75
|
|
|
|
|
|
|
Other Income
|
28.92
|
37.65
|
42.80
|
38.64
|
26.89
|
27.89
|
|
|
|
|
|
|
Exceptional Items
|
-13.96
|
-13.96
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
214.21
|
192.45
|
163.45
|
72.99
|
32.18
|
-73.66
|
|
|
|
|
|
|
Provision for Tax
|
54.16
|
48.89
|
44.54
|
22.63
|
17.24
|
-25.50
|
|
|
|
|
|
|
Profit after Tax
|
160.05
|
143.56
|
118.91
|
50.36
|
14.94
|
-48.16
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
0.40
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
160.45
|
143.56
|
118.91
|
50.36
|
14.94
|
-48.16
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
994.86
|
994.86
|
841.99
|
717.61
|
667.47
|
648.26
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
255.54
|
255.54
|
252.37
|
213.37
|
300.36
|
300.71
|
|
|
|
|
|
|
Current Liabilities
|
1,233.33
|
1,233.33
|
1,263.26
|
1,248.81
|
1,138.96
|
1,079.44
|
|
|
|
|
|
|
Total Liabilities
|
2,483.73
|
2,483.73
|
2,357.62
|
2,179.79
|
2,106.79
|
2,030.46
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
624.50
|
837.30
|
811.05
|
758.96
|
862.54
|
764.19
|
|
|
|
|
|
|
Current Assets
|
1,646.43
|
1,646.43
|
1,546.57
|
1,420.83
|
1,244.25
|
1,264.22
|
|
|
|
|
|
|
Total Assets
|
2,483.73
|
2,483.73
|
2,357.62
|
2,179.79
|
2,106.79
|
2,030.46
|
|
|
|
|
|
|
Total Debt*
|
--
|
16.02
|
98.48
|
69.42
|
204.09
|
238.61
|
|
|
|
|
|
|
Net Current Assets
|
413.10
|
413.10
|
283.31
|
172.02
|
105.29
|
184.78
|
|
|
|
|
|
|
Contingent Liabilities
|
--
|
36.55
|
35.27
|
26.73
|
53.30
|
58.23
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
299.02
|
118.00
|
350.60
|
105.53
|
50.56
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-152.01
|
-90.10
|
-137.54
|
-6.04
|
-27.24
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-138.24
|
-23.11
|
-185.58
|
-94.14
|
-51.45
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
8.77
|
4.79
|
27.48
|
5.35
|
-28.13
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
42.05
|
35.43
|
29.35
|
12.43
|
3.69
|
-11.89
|
|
|
|
|
|
|
Cash EPS (₹)
|
39.60
|
65.56
|
61.89
|
43.13
|
33.67
|
16.61
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
255.89
|
245.34
|
207.61
|
176.91
|
164.54
|
159.80
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
73.80
|
29.12
|
86.53
|
26.04
|
12.48
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
46.46
|
-2.28
|
60.85
|
1.09
|
-1.63
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
22.30
|
22.04
|
12.50
|
7.44
|
-4.29
|
|
|
|
|
|
|
ROE (%)
|
17.77
|
15.64
|
15.26
|
7.28
|
2.27
|
-7.17
|
|
|
|
|
|
|
ROA (%)
|
6.61
|
5.93
|
5.24
|
2.35
|
0.72
|
-2.46
|
|
|
|
|
|
|
EBIT Margin (%)
|
3.74
|
3.48
|
3.26
|
2.01
|
0.98
|
-1.96
|
|
|
|
|
|
|
Net Margin (%)
|
2.72
|
2.54
|
2.32
|
1.12
|
0.35
|
-1.40
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
--
|
3.59
|
3.79
|
3.09
|
2.60
|
1.56
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
13.66
|
10.37
|
14.73
|
5.79
|
22.83
|
21.94
|
|
|
|
|
|
|
EBIT Growth (%)
|
45.19
|
17.73
|
86.03
|
117.99
|
161.24
|
-166.51
|
|
|
|
|
|
|
Net Profit Growth (%)
|
58.46
|
20.73
|
136.12
|
237.08
|
131.02
|
-175.12
|
|
|
|
|
|
|
EPS Growth (%)
|
49.21
|
20.73
|
136.12
|
237.08
|
131.02
|
-175.12
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
18.17
|
17.35
|
7.52
|
2.97
|
-6.85
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
32.04
|
25.24
|
45.35
|
120.90
|
201.20
|
--
|
|
|
|
|
|
|
Price / Book Value
|
4.96
|
3.65
|
6.41
|
8.49
|
4.51
|
6.51
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
13.51
|
9.91
|
15.80
|
23.98
|
16.44
|
57.01
|
|
|
|
|
|
|
Close Price (₹)
|
1,287.70
|
894.10
|
1,329.65
|
1,505.95
|
737.50
|
1,040.70
|
|
|
|
|
|
|
High Price (₹)
|
2,024.90
|
2,024.90
|
2,359.90
|
1,525.00
|
1,166.00
|
1,365.85
|
|
|
|
|
|
|
Low Price (₹)
|
883.20
|
883.20
|
1,014.00
|
698.00
|
698.00
|
793.50
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
5,140.42
|
3,624.00
|
5,393.14
|
6,088.72
|
3,006.13
|
4,217.65
|
|
|
|
|
|
Solvency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
0.01
|
0.02
|
0.12
|
0.10
|
0.31
|
0.37
|
|
|
|
|
|
|
Short term debt to equity ratio
|
--
|
--
|
0.09
|
0.00
|
0.13
|
0.10
|
|
|
|
|
|
|
Current Ratio
|
1.33
|
1.33
|
1.22
|
1.14
|
1.09
|
1.17
|
|
|
|
|
|
|
Quick Ratio
|
0.82
|
0.82
|
0.69
|
0.71
|
0.59
|
0.64
|
|
|
|
|
|
|
Interest Coverage
|
11.59
|
8.65
|
7.06
|
3.38
|
1.97
|
-1.12
|
|
|
|
|
|
Operating Efficiency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debtors to sales (%)
|
7.45
|
7.78
|
8.45
|
10.43
|
9.85
|
9.09
|
|
|
|
|
|
|
Asset Turnover
|
2.42
|
3.06
|
2.91
|
2.64
|
2.54
|
2.20
|
|
|
|
|
|
|
Receivable days
|
--
|
21.39
|
24.66
|
28.29
|
25.16
|
24.36
|
|
|
|
|
|
|
Inventory Days
|
--
|
32.20
|
33.39
|
35.91
|
39.98
|
43.94
|
|
|
|
|
|
|
Payable days
|
--
|
102.95
|
112.73
|
124.88
|
117.16
|
129.85
|
|
|
|
|
|
|
Cash Conversion Cycle
|
--
|
-49.36
|
-54.69
|
-60.68
|
-52.02
|
-61.55
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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