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Ironbark Balanced Income Limited (IBC) Fair Value & Analysis

Financial Services · AU · Market cap A$42.7M

IB Ironbark Balanced Income Limited IBC · AU
PriceA$0.4450
Fair ValueA$0.5200
Upside+16.9%
Quality80/100
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Mixed Growth
Highly profitable · 70.1% net margin
generates free cash flow
6.05% dividend yield
Ranks above peers (10/13)
Moderate moat 64/100
Evidence: High Range A$0.3900 – A$0.6500 Share as image

Fair value as of: Jul 14, 2026

From 11 valuation models · updated 27 days ago

Share price +3.5% over the past month.

A strong business, screening 17% undervalued on our models.

What matters now

  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
  • Our model range runs from A$0.3900 (bear) to A$0.6500 (bull), base A$0.5200. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 80/100 (high quality) with high evidence: the data supports the verdict.
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Price vs Fair Value (5 years)

A$0.4450 A$0.3537 Fair Value A$0.5200 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.

How to read this chart

60‑month range A$0.3537 – A$0.4450 · fair‑value band A$0.3900 – A$0.6500 · the A$0.4450 price screens below the A$0.5200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.

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Analysis

Ironbark Balanced Income Limited (IBC) currently trades at A$0.4450, while our model-based Fair Value estimate is A$0.5200, implying the stock looks roughly 16.9% undervalued today. The Quality Score stands at 80/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Ironbark Balanced Income Limited generated revenue of A$4.8M at a net margin of 70.1%. Revenue grew 28.2% year over year. It earns a return on equity of 5.6%. The balance sheet holds a net cash position of A$4.2M. Fundamentals as of Jul 14, 2026

Our scenario range runs from A$0.3900 (bear case) to A$0.6500 (bull case); at A$0.4450, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 10% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 17%, IBC screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income A$0.4200 A$0.4200 A$0.3600 76
Growth DCF A$0.3700 A$0.5800 A$0.8900 72
Gordon GGM A$0.1800 A$0.3000 A$0.3900 70
All 11 models by family
DCF Models
5Y P/E Exit A$0.3600 A$0.7100 A$1.17 38
10Y P/E Exit A$0.3700 A$0.7000 A$1.22 35
Earnings-Based
Graham-Dodd A$0.2100 A$1.45 A$2.03 54
Lynch FV A$0.7500 A$1.07 A$1.39 50
Dividend Discount
Gordon GGM A$0.1800 A$0.3000 A$0.3900 70
DDM Multi-Stage A$0.1800 A$0.2900 A$0.3200 61
Multiples
P/E Multiple A$0.3000 A$0.4000 A$0.5000 63
P/B Multiple A$0.3900 A$0.5200 A$0.6500 55
Asset-Based
NCAV (Graham) A$0.3000 A$0.4000 A$0.5900 50
Growth DCF
Growth DCF A$0.3700 A$0.5800 A$0.8900 72
Economic Profit
Residual Income A$0.4200 A$0.4200 A$0.3600 76

Widest divergence: Earnings-Based (A$1.07) versus Dividend Discount (A$0.2900). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) A$4.8M
Revenue growth (YoY) +28.2%
Net margin 70.1%
Return on equity 5.6%
Free cash flow A$3.0M FY2025
P/E ratio 14.3
More key figures
Operating margin 88.4%
EPS (TTM) A$0.0300
Dividend yield 6.1%
EPS growth (YoY) +16.7%
Net cash A$4.2M FY2025

Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 80/100

Of which business quality 75 · Market factors (momentum, volatility) 68

Profitability 37
Margins and returns on capital today
Quality Growth 68
Are margins and returns improving?
Cashflow 83
Earnings quality: real cash, not paper profit
Fin. Strength 81
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 72
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Ironbark Balanced Income Limited is an closed-end balanced mutual fund launched and advised by Kaplan Funds Management Pty Ltd. The fund has an income emphasis and invests in the public equity and fixed income markets in Australia. It seeks to invest in stocks of companies operating across diversified sectors.

Full company description

Ironbark Balanced Income Limited is an closed-end balanced mutual fund launched and advised by Kaplan Funds Management Pty Ltd. The fund has an income emphasis and invests in the public equity and fixed income markets in Australia. It seeks to invest in stocks of companies operating across diversified sectors. The fund invests in various companies listed on the Australian stock exchanges. The fund seeks to benchmark its performance against RBA Cash Rate +3% p.a. (after management fees) and pays a quarterly dividend. Previously Ironbark Capital Limited was formed in March 1987 and is domiciled in Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Ironbark Balanced Income Limited reported revenue of A$4.1M in FY2025 versus A$8.9M in FY2021, a compound −17.6%/yr. Reported net income was A$3.1M in FY2025, compounding −17.6%/yr from FY2021.

Growth Quality 84/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
A$4.1M
Latest YoY
+16.0%
Avg. growth/yr (25Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−7.1%
Revenue −17.6%/yr
FY21 A$8.9M
FY22 A$1.2M
FY23 A$6.9M
FY24 A$3.5M
FY25 A$4.1M
Net income −17.6%/yr
FY21 A$6.7M
FY22 A$1.4M
FY23 A$5.5M
FY24 A$2.6M
FY25 A$3.1M
Character of growth · EPS growth decomposed (2014-2025) +2.2 % p.a.
Revenue per share +2.5 pp

of which total revenue −1.6 pp · buybacks/dilution +4.1 pp

EBIT margin +0.3 pp
Tax rate −0.5 pp
Residual (interest, one-offs) −0.1 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Ironbark Balanced Income Limited Fair Value". https://www.fairvalue-calculator.com/stock/IBC

Peer Group

Asset Management · 971 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 79 · Top 25%
Fair Value upside +17% · Above median
Return on equity (TTM) 6% · Below median
Return on assets 4% · Above median
Net margin (TTM) 70% · Top 25%
Operating margin (TTM) 88% · Above median
Revenue growth 28% · Above median
Dividend yield (TTM) 6.1% · Above median

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 14.2× · Pricier than median
P/B 0.50× · Cheaper than 75% of peers
P/S (TTM) 6.34× · Pricier than median
P/FCF 10.1× · Cheaper than median
EV/EBITDA 7.8× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 56 · sector 37
FUTURE 100 · sector 6
PAST 22 · sector 26
HEALTH 0 · sector 95
DIVIDEND 100 · sector 69

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).

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Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
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Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Ironbark Balanced Income Limited (IBC) overvalued or undervalued?
As of Jul 14, 2026, our model estimates a fair value of A$0.5200 versus a price of A$0.4450, about +17% (undervalued).
What is the fair value of IBC?
Our model-based fair value for Ironbark Balanced Income Limited is A$0.5200 (as of Jul 14, 2026), built from audited fundamentals. The current price is A$0.4450.
What is the quality score of IBC?
Ironbark Balanced Income Limited has a Quality Score of 80/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Ironbark Balanced Income Limited (IBC)?
Ironbark Balanced Income Limited reported trailing-twelve-month revenue of about A$4.8M (latest available figure, as of Jul 14, 2026).
What is the net profit margin of IBC?
The net profit margin of Ironbark Balanced Income Limited is about 70.1%, meaning it keeps roughly 70.1% of revenue as net income. Based on the latest reported figures.
Does Ironbark Balanced Income Limited pay a dividend?
Ironbark Balanced Income Limited currently shows a dividend yield of about 6.05% relative to its recent price (as of Jul 14, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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