Libord Finance (511593)

Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

Strengths

• Piotroski F-Score of 6/9 indicates acceptable short-term financial health, not a balance-sheet wreck.
• Book value of ₹12.45 provides at least a baseline asset value; the business is not negative net worth.
• ROE of 2.83% is low but positive, so it earns a small amount on shareholders' equity.
• Being a listed NBFC on NSE/BSE means regulatory visibility and audited numbers, though disclosures remain insufficient.

Concerns

• P/E of 54.88 is too high for a business with 0.00% sales and profit growth; you are paying a growth-like multiple without growth.
• ROCE of -2.81% and an essentially ₹0 crore latest quarter show poor operating economics.
• Zero dividend, zero growth, and no promoter-holding data create an unattractive risk/reward for minority investors.
• Insufficient data with a FairStock score of N/A means too little is known to value the company with confidence.

AI Analysis

At ₹20.79, Libord Finance has a market cap of only ₹33 crore. My first Graham question is: what am I actually buying? Book value is ₹12.45, so I am paying 1.67 times book for a business that earns just 2.83% on equity. That is an expensive price for a low-quality return. ROCE is minus 2.81%, meaning the capital employed is not earning a positive operating return. The latest quarter shows ₹0 crore sales and ₹0 crore net profit, and the trailing P/E is 54.88. So the market is offering a rich multiple on negligible earnings. Where is the moat? A tiny NBFC with zero sales and profit growth, no dividend, and a FairStock score of 'insufficient data' is not a company I can confidently value. The Piotroski F-Score of 6/9 tells me the balance sheet is not in serious trouble, but it is not a strong endorsement either. The PEG ratio of 0.60 looks oddly cheap, but when sales and profit growth are both shown as 0.00%, I cannot trust the 'G' behind that ratio. Benjamin Graham taught me to invest only when facts give a margin of safety. Here, the price of ₹20.79 stands well above book value of ₹12.45, earnings yield is under 2%, and the latest quarter is essentially empty. A 52-week range of ₹15.00 to ₹31.89 may attract traders, but volatility is not value. I need demonstrated earning power, solid management ownership, and a reasonable price. This stock offers none of those in visible numbers. I would leave it aside until the company shows actual business traction, better returns on capital, and greater disclosure.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer