NBI Industrial Finance Company Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of NBI Industrial Finance Company Ltd?

NBI Industrial Finance Company Ltd is trading at 1,674.00 as of 16 April 2026, with a FY2026-2027 high of 3,321 and low of 1,539. The stock is currently near its 52-week low. Market cap stands at 495 Cr..

Q: Is NBI Industrial Finance Company Ltd financially healthy?

Key indicators: ROCE of 0.35 % is on the lower side. Dividend yield is 0.03 %.

Fair Value

₹719.80Overvalued by 57.00%vs CMP ₹1,674.00

P/E (30.6) × ROE (0.3%) × BV (₹10,887.00) × DY (0.03%)

₹2,257.56Undervalued by 34.86%vs CMP ₹1,674.00

MoS: +25.8% (Adequate)Confidence: 45/100 (Moderate)Models: 2 Under, 4 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹799.86	29%	Over (-52.2%)
Graham Number	Earnings	₹3,662.50	21%	Under (+118.8%)
Earnings Power	Earnings	₹225.45	14%	Over (-86.5%)
DCF	Cash Flow	₹940.51	17%	Over (-43.8%)
Net Asset Value	Assets	₹10,879.31	9%	Under (+549.9%)
Earnings Yield	Earnings	₹547.60	9%	Over (-67.3%)
Consensus (6 models)		₹2,257.56	100%	Undervalued

Key Drivers: ROE 0.3% is below cost of equity. | Wide model spread (₹225–₹10,879) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 11.1%

*Investments are subject to market risks

Investment Snapshot

NBI Industrial Finance Company Ltd scores 57/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health54/100 · Moderate

ROCE 0.4% WeakROE 0.3% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money50/100 · Moderate

FII holding stable No changePromoter holding at 74.2% Stable

Earnings Quality60/100 · Moderate

Working capital: -7 days (improving) Efficient

Quarterly Momentum70/100 · Strong

Profit (4Q): +61% YoY Strong

Industry Rank45/100 · Moderate

P/E 30.6 vs industry 171.3 Cheaper than peersROCE 0.4% vs industry 11.4% Below peersROE 0.3% vs industry 25.6% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:22 am

Market Cap	495 Cr.
Current Price	1,674
Intrinsic Value	₹2,257.56
High / Low	3,321/1,539
Stock P/E	30.6
Book Value	10,887
Dividend Yield	0.03 %
ROCE	0.35 %
ROE	0.27 %
Face Value	5.00
PEG Ratio	2.75

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for NBI Industrial Finance Company Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
NBI Industrial Finance Company Ltd	495 Cr.	1,674	3,321/1,539	30.6	10,887	0.03 %	0.35 %	0.27 %	5.00
SIL Investments Ltd	420 Cr.	396	772/376	9.49	2,717	0.63 %	1.53 %	1.16 %	10.0
Indiabulls Enterprises Ltd	377 Cr.	19.0	26.8/13.7		9.64	0.00 %	43.2 %	483 %	2.00
Aditya Birla Money Ltd	617 Cr.	109	209/95.0	12.0	47.4	0.00 %	13.1 %	37.2 %	1.00
Nahar Capital & Financial Services Ltd	350 Cr.	209	377/191	5.30	984	0.72 %	3.78 %	3.21 %	5.00
Industry Average	17,128.74 Cr	1,145.63		171.25	3,616.52	0.48%	11.38%	25.55%	6.58

All Competitor Stocks of NBI Industrial Finance Company Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.60	4.70	5.48	0.76	1.20	8.10	0.45	6.79	0.62	6.07	0.42	8.59	9.52
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.67	0.51	0.49	0.54	0.49	0.85	0.76	0.84	0.69	0.83	0.71	0.68	0.80
Financing Profit	-0.07	4.19	4.99	0.22	0.71	7.25	-0.31	5.95	-0.07	5.24	-0.29	7.91	8.72
Financing Margin %	-11.67%	89.15%	91.06%	28.95%	59.17%	89.51%	-68.89%	87.63%	-11.29%	86.33%	-69.05%	92.08%	91.60%
Other Income	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.01	0.04	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	-0.06	4.19	4.99	0.22	0.72	7.25	-0.31	5.96	-0.03	5.24	-0.29	7.91	8.72
Tax %	-150.00%	34.13%	25.45%	22.73%	34.72%	22.76%	-9.68%	26.01%	-1,200.00%	23.28%	17.24%	23.77%	25.57%
Net Profit	0.03	2.76	3.73	0.16	0.47	5.60	-0.28	4.41	0.34	4.01	-0.35	6.03	6.49
EPS in Rs	0.12	11.23	15.18	0.65	1.91	22.79	-1.14	17.95	1.38	13.57	-1.18	20.41	21.96
Gross NPA %
Net NPA %

Last Updated: February 4, 2026, 9:51 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 3:46 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	3	5	4	101	6	6	14	2	12	10	17	14	25
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Expenses	0	1	1	1	2	2	1	1	1	2	2	3	3
Financing Profit	2	4	3	100	4	4	13	1	11	8	15	11	22
Financing Margin %	84%	87%	87%	99%	67%	70%	90%	45%	89%	78%	86%	78%	88%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	2	4	3	100	4	4	13	1	11	8	15	11	22
Tax %	-1%	10%	-3%	19%	0%	3%	-0%	-64%	27%	33%	24%	22%
Net Profit	2	4	3	81	4	4	13	2	8	5	11	8	16
EPS in Rs	9.80	15.40	13.64	322.72	15.59	17.30	52.75	6.55	32.32	21.45	44.98	28.73	54.76
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	1%	2%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	100.00%	-25.00%	2600.00%	-95.06%	0.00%	225.00%	-84.62%	300.00%	-37.50%	120.00%	-27.27%
Change in YoY Net Profit Growth (%)	0.00%	-125.00%	2625.00%	-2695.06%	95.06%	225.00%	-309.62%	384.62%	-337.50%	157.50%	-147.27%

NBI Industrial Finance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	11%
5 Years:	-1%
3 Years:	4%
TTM:	32%

Compounded Profit Growth
10 Years:	8%
5 Years:	-8%
3 Years:	2%
TTM:	41%

Stock Price CAGR
10 Years:	%
5 Years:	10%
3 Years:	12%
1 Year:	8%

Return on Equity
10 Years:	1%
5 Years:	0%
3 Years:	0%
Last Year:	0%

Last Updated: September 5, 2025, 11:25 am

Balance Sheet

Last Updated: February 1, 2026, 1:06 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1	1	1	1	1	1	1	1	1	1	1	1	1
Reserves	18	22	25	106	110	1,708	1,616	2,540	2,137	2,356	2,880	3,307	3,216
Borrowing	0	0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Other Liabilities	0	0	0	1	0	0	1	123	64	100	106	205	189
Total Liabilities	20	23	27	108	111	1,710	1,618	2,665	2,202	2,458	2,987	3,513	3,406
Fixed Assets	0	0	0	0	0	0	0	0	-0	-0	-0	-0	-0
CWIP	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Investments	18	21	22	92	109	1,704	1,614	2,624	2,195	2,457	2,986	3,512	3,404
Other Assets	2	2	5	16	2	6	4	41	7	1	1	1	2
Total Assets	20	23	27	108	111	1,710	1,618	2,665	2,202	2,458	2,987	3,513	3,406

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	1	-1	-3	-32	13	-2	-1	0	8	6	7	5
Cash from Investing Activity +	0	1	3	31	-12	3	-1	36	-39	-12	-7	-5
Cash from Financing Activity +	0	-0	-0	0	-0	0	0	0	0	0	-0	-0
Net Cash Flow	2	0	0	-1	1	1	-3	36	-31	-6	0	0
Free Cash Flow	1	-1	-3	-32	13	-2	-1	0	8	6	7	5
CFO/OP	44%	-12%	-92%	-13%	338%	-32%	-10%	53%	95%	102%	85%	96%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	0.00	1.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	2.00	2.00	3.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Days						0.00
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Working Capital Days	18.88	12.56	271.61	47.83	24.21	-8.70	-0.25	94.63	-2.08	-8.62	-4.70	-6.81
ROCE %	13.52%	20.27%	13.40%	149.53%	3.53%	0.48%	0.78%	0.05%	0.47%	0.35%	0.56%	0.35%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	74.34%	74.34%	74.34%	74.34%	74.34%	74.69%	74.69%	74.69%	74.17%	74.17%	74.17%	74.17%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.10%	0.20%	0.20%	0.17%	0.17%	0.17%	0.17%
DIIs	0.90%	0.90%	0.90%	0.90%	0.90%	0.76%	0.48%	0.41%	2.46%	2.46%	2.46%	2.46%
Public	24.76%	24.76%	24.76%	24.76%	24.76%	24.45%	24.63%	24.70%	23.20%	23.20%	23.20%	23.20%
No. of Shareholders	5,820	5,840	5,909	5,896	5,931	6,102	6,235	2,474	2,520	2,741	2,718	2,679

Shareholding Pattern Chart

No. of Shareholders

NBI Industrial Finance Company Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 16	Mar 15
FaceValue	5.00	10.00	10.00
Basic EPS (Rs.)	28.71	33.27	31.33
Diluted EPS (Rs.)	28.71	33.27	31.33
Cash EPS (Rs.)	28.72	27.80	0.00
Book Value[Excl.RevalReserv]/Share (Rs.)	11195.56	252.36	0.00
Book Value[Incl.RevalReserv]/Share (Rs.)	11195.56	252.36	0.00
Revenue From Operations / Share (Rs.)	47.15	31.18	0.00
PBDIT / Share (Rs.)	36.74	27.04	0.00
PBIT / Share (Rs.)	36.74	27.02	0.00
PBT / Share (Rs.)	36.74	27.02	0.00
Net Profit / Share (Rs.)	28.72	27.78	0.00
NP After MI And SOA / Share (Rs.)	28.71	33.27	0.00
PBDIT Margin (%)	77.92	86.71	87.20
PBIT Margin (%)	77.92	86.65	87.14
PBT Margin (%)	77.91	86.65	87.12
Net Profit Margin (%)	60.89	89.10	77.97
NP After MI And SOA Margin (%)	60.89	106.71	77.97
Return on Networth / Equity (%)	0.25	13.18	0.00
Return on Capital Employeed (%)	0.30	10.61	0.00
Return On Assets (%)	0.24	13.05	0.00
Current Ratio (X)	20141.38	195.20	0.00
Quick Ratio (X)	20141.38	195.20	0.00
Dividend Payout Ratio (NP) (%)	1.44	0.00	0.00
Dividend Payout Ratio (CP) (%)	1.44	0.00	0.00
Earning Retention Ratio (%)	98.56	0.00	0.00
Cash Earning Retention Ratio (%)	98.56	0.00	0.00
Interest Coverage Ratio (X)	12063.56	16099.29	5702.89
Interest Coverage Ratio (Post Tax) (X)	9428.78	16543.78	5104.22
Enterprise Value (Cr.)	688.49	0.00	0.00
EV / Net Operating Revenue (X)	49.41	0.00	0.00
EV / EBITDA (X)	63.41	0.00	0.00
MarketCap / Net Operating Revenue (X)	49.44	0.00	0.00
Retention Ratios (%)	98.55	0.00	0.00
Price / BV (X)	0.20	0.00	0.00
Price / Net Operating Revenue (X)	49.44	0.00	0.00
EarningsYield	0.01	0.00	0.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

NBI Industrial Finance Company Ltd. is a Public Limited Listed company incorporated on 21/12/1936 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65923WB1936PLC065596 and registration number is 065596. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 13.93 Cr. and Equity Capital is Rs. 1.48 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	21, Strand Road, Ground Floor, Kolkata West Bengal 700001	Contact not found

Management
Name	Position Held
Mr. Ashok Bhandari	Chairman & Ind.Director
Mr. B L Gaggar	Director
Mr. J P Mundra	Director
Ms. Riya Puja Jain	Director
Mr. Debashis Ray	Independent Director
Mr. Tapas Kumar Bhattacharya	Independent Director
Mrs. Priyanka Mohta	Independent Director
Mr. Sundeep Bhutoria	Independent Director

FAQ

What is the intrinsic value of NBI Industrial Finance Company Ltd and is it undervalued?

As of 16 April 2026, NBI Industrial Finance Company Ltd's intrinsic value is ₹2257.56, which is 34.86% higher than the current market price of ₹1,674.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (0.27 %), book value (₹10,887), dividend yield (0.03 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of NBI Industrial Finance Company Ltd?

NBI Industrial Finance Company Ltd is trading at ₹1,674.00 as of 16 April 2026, with a FY2026-2027 high of ₹3,321 and low of ₹1,539. The stock is currently near its 52-week low. Market cap stands at ₹495 Cr..

How does NBI Industrial Finance Company Ltd's P/E ratio compare to its industry?

NBI Industrial Finance Company Ltd has a P/E ratio of 30.6, which is below the industry average of 171.25. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is NBI Industrial Finance Company Ltd financially healthy?

Key indicators for NBI Industrial Finance Company Ltd: ROCE of 0.35 % is on the lower side compared to the industry average of 11.38%; ROE of 0.27 % is below ideal levels (industry average: 25.55%). Dividend yield is 0.03 %.

Is NBI Industrial Finance Company Ltd profitable and how is the profit trend?

NBI Industrial Finance Company Ltd reported a net profit of ₹8 Cr in Mar 2025 on revenue of ₹14 Cr. Compared to ₹8 Cr in Mar 2022, the net profit shows a mixed trend.

Does NBI Industrial Finance Company Ltd pay dividends?

NBI Industrial Finance Company Ltd has a dividend yield of 0.03 % at the current price of ₹1,674.00. The company pays dividends, though the yield is modest.