BSE: 511593
LIBORD FINANCE LTD
Operates as a small non-banking financial company (NBFC) based in Andheri East, Mumbai, listed on BSE. It earns revenue primarily from interest income on its financing and lending activities, with revenue from operations nearly doubling to Rs 118.59 lakhs in FY26 from Rs 59.42 lakhs in FY25. The company also booked a new line of service income of Rs 31 lakhs in Q2 FY26, contributing to a turnaround from a Rs 54.17 lakh loss in FY25 to a Rs 63.66 lakh profit after tax in FY26. Total assets stand at Rs 17.50 crore and net worth at Rs 1,753.55 lakhs as of H1 FY26, with the company carrying zero outstanding debt. Employee costs dominate its cost structure at 70.7% of revenue, followed by other operating expenses at 22.6% and depreciation at 18.3%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income on financing/lending operations, Other income, Service income (new line). Small, debt-free NBFC reliant on interest income and service fees
Exhibit 1: Financial summary, FY20–FY24 (all audited; no estimate years)
| ₹ crore · consolidated | FY20 | FY21 | FY22 | FY23 | FY24 |
|---|---|---|---|---|---|
| Revenue | 2 | 1 | 1 | 1 | 1 |
| EBITDA (ex other income) | 1 | 0 | 0 | 0 | 0 |
| margin % | 38.1 | 46.2 | 27.7 | 8.7 | 0.7 |
| Owners' profit | 0 | 0 | 0 | 0 | 0 |
| EPS, as reported (₹) | 0.00 | 0.72 | 0.46 | 0.00 | 1.26 |
| ROE % · ROCE % | (21.3) · — | 7.6 · — | 4.7 · — | (0.0) · — | 11.1 · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | — | 0 | (0) | 0 | 0 |
| Capex | — | 0 | 0 | 0 | 0 |
Exhibit 2: Quarterly performance, last 8 quarters
| ₹ crore | Q2 FY23 | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | 0 | 0 | 0 | 0 | 0 | (0) | (0) |
| Net profit | 0 | 0 | (1) | 0 | 1 | 1 | 0 | 0 |
| EPS (₹) | 0.30 | 0.30 | 0.00 | 0.13 | 0.54 | 0.52 | 0.07 | 0.09 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 5,70,768 | 28.1 | 4.88 | — | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 1,94,820 | 14.6 | 2.96 | — | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,31,798 | 22.8 | 4.33 | — | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,31,209 | 24.0 | 2.79 | — | 10.4 | — | — | 75.8 |
| MUTHOOT FINANCE LIMITED | 96,352 | 8.5 | 2.42 | — | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 50,202 | 22.1 | 3.19 | — | 13.8 | — | — | 33.1 |
| SUNDARAM FINANCE LTD | 43,766 | 19.6 | 2.94 | — | 13.8 | — | — | 78.4 |
| AUTHUM INVEST & INFRA LTD | 42,040 | 7.2 | 2.85 | — | 13.1 | — | — | 90.1 |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 12.2 | 18.1 | 72 of 200 | 64% |
| P/B | 1.3 | 1.1 | 139 of 253 | 45% |
| ROE | 11.1 | 3.1 | 45 of 257 | 83% |
| EBITDA margin | 240.1 | 48.6 | 8 of 249 | 97% |
| Revenue growth | (29.9) | 12.6 | 176 of 231 | 24% |
| Profit growth | (34.0) | 7.8 | 151 of 251 | 40% |
| Market cap | 23 | 34 | 159 of 268 | 41% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 28 Oct 2026 · Board meeting set to approve September 2026 results | results | low | — | — |
| 8 Oct 2026 · RTA Certificate for Demat Processing - Quarter ended Sep 2026 | compliance | minimal | — | — |
| 25 Sept 2026 · 32nd AGM voting results: All 4 resolutions passed with over 99.99% approval | board shareholder meetings | medium | — | — |
| 25 Sept 2026 · Trading window closed ahead of Q2 and half year results | compliance | minimal | — | — |
| 25 Sept 2026 · Libord Finance 32nd AGM held; four resolutions voted on | board shareholder meetings | low | — | — |
| 21 Sept 2026 · New Company Secretary and Compliance Officer appointed | management changes | medium | — | — |
| 1 Sept 2026 · Notice of 32nd AGM, Book Closure and e-Voting | compliance | minimal | — | — |
| 31 Aug 2026 · Libord Finance files FY26 Annual Report and 32nd AGM Notice | results | high | — | — |
| 31 Aug 2026 · 32nd AGM on Sept 25, 2026; MD and Independent Director re-appointment on agenda | board shareholder meetings | low | — | — |
| 13 Aug 2026 · Libord Finance Q1 FY27: Loss of Rs 46.28L vs Profit of Rs 3.02L YoY | results | high | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.