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Last Updated: April 2, 2026, 4:46 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 508956 | NSE: HBLEAS

HB Leasing & Finance Co Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹3.69Overvalued by 69.25%vs CMP ₹12.00

P/E (15.0) × ROE (7.0%) × BV (₹4.29) × DY (2.00%)

Defaults: P/E=15

₹2.80Overvalued by 76.67%vs CMP ₹12.00
MoS: -328.6% (Negative)Confidence: 53/100 (Moderate)Models: All 3: Overvalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹3.4245%Over (-71.5%)
Earnings PowerEarnings₹0.2627%Over (-97.8%)
Net Asset ValueAssets₹4.3027%Over (-64.2%)
Consensus (3 models)₹2.80100%Overvalued
Key Drivers: Wide model spread (₹0–₹4) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -7.3% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

46
HB Leasing & Finance Co Ltd scores 46/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health45/100 · Moderate
ROCE 6.9% WeakROE 7.0% AverageD/E 0.10 Low debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money65/100 · Strong
DII holding up 4.98% MF buyingPromoter holding at 42.7% Stable
Earnings Quality40/100 · Moderate
Working capital: 4,226 days Capital intensive
Quarterly Momentum50/100 · Moderate
Industry Rank40/100 · Moderate
ROCE 6.9% vs industry 15.8% 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, 4:46 am

Market Cap 15.4 Cr.
Current Price 12.0
Intrinsic Value₹2.80
High / Low 17.6/10.7
Stock P/E
Book Value 4.29
Dividend Yield0.00 %
ROCE6.93 %
ROE7.02 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for HB Leasing & Finance Co Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 15.2 Cr. 1.52 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 5.72 Cr. 0.57 2.05/0.558.54 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 435 Cr. 62.3 123/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 12.4 Cr. 13.5 24.7/12.010.2 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 20.9 Cr. 46.4 138/42.111.3 2382.16 %2.46 %2.17 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of HB Leasing & Finance Co Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue0.080.300.150.110.080.140.040.030.120.010.040.040.04
Interest 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Expenses 0.080.080.140.080.080.090.120.130.100.150.120.140.09
Financing Profit0.000.220.010.030.000.05-0.08-0.100.02-0.14-0.08-0.10-0.05
Financing Margin %0.00%73.33%6.67%27.27%0.00%35.71%-200.00%-333.33%16.67%-1,400.00%-200.00%-250.00%-125.00%
Other Income 0.03-0.030.000.000.000.000.000.000.000.000.000.000.00
Depreciation 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax 0.030.190.010.030.000.05-0.08-0.100.02-0.14-0.08-0.10-0.05
Tax % 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Net Profit 0.030.190.000.030.000.05-0.08-0.100.02-0.13-0.08-0.10-0.05
EPS in Rs 0.030.170.000.030.000.05-0.07-0.090.02-0.10-0.06-0.08-0.04
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 9:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 7:10 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue0.281.710.250.750.630.040.300.300.550.530.480.190.13
Interest 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Expenses 0.571.380.680.650.390.460.340.340.350.320.400.480.50
Financing Profit-0.290.33-0.430.100.24-0.42-0.04-0.040.200.210.08-0.29-0.37
Financing Margin %-103.57%19.30%-172.00%13.33%38.10%-1,050.00%-13.33%-13.33%36.36%39.62%16.67%-152.63%-284.62%
Other Income 0.000.000.000.000.000.030.030.000.000.000.000.000.00
Depreciation 0.010.020.000.000.000.000.000.000.000.000.000.000.00
Profit before tax -0.300.31-0.430.100.24-0.39-0.01-0.040.200.210.08-0.29-0.37
Tax % 0.00%0.00%0.00%10.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Net Profit -0.300.32-0.430.100.24-0.39-0.01-0.040.200.210.08-0.29-0.36
EPS in Rs -0.270.29-0.390.090.22-0.35-0.01-0.040.180.190.07-0.23-0.28
Dividend Payout % 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 & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)206.67%-234.38%123.26%140.00%-262.50%97.44%-300.00%600.00%5.00%-61.90%-462.50%
Change in YoY Net Profit Growth (%)0.00%-441.04%357.63%16.74%-402.50%359.94%-397.44%900.00%-595.00%-66.90%-400.60%

HB Leasing & Finance Co 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:-20%
5 Years:-9%
3 Years:-30%
TTM:-46%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-463%
Stock Price CAGR
10 Years:21%
5 Years:63%
3 Years:45%
1 Year:-20%
Return on Equity
10 Years:-1%
5 Years:1%
3 Years:0%
Last Year:-7%

Last Updated: September 5, 2025, 3:41 pm

Balance Sheet

Last Updated: February 1, 2026, 2:57 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 11.0011.0011.0011.0011.0011.0011.0011.0011.0011.0011.0012.8612.86
Reserves -8.90-8.58-9.02-8.92-8.68-8.86-8.88-8.92-8.72-8.52-8.44-7.16-7.34
Borrowing0.000.000.000.000.000.160.310.210.060.060.060.050.05
Other Liabilities 18.951.101.470.810.560.540.550.570.610.610.610.610.62
Total Liabilities 21.053.523.452.892.882.842.982.862.953.153.236.366.19
Fixed Assets 0.020.010.010.010.010.010.010.010.010.010.010.010.01
CWIP 0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments 17.900.500.000.000.000.300.310.220.310.470.520.490.49
Other Assets 3.133.013.442.882.872.532.662.632.632.672.705.865.69
Total Assets 21.053.523.452.892.882.842.982.862.953.153.236.366.19

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -0.21-1.06-0.510.15-0.25-0.35-0.090.070.15-0.010.01-2.11
Cash from Investing Activity + 0.271.100.500.000.000.170.000.00-0.010.000.000.19
Cash from Financing Activity + 0.000.000.000.000.000.160.16-0.10-0.150.000.003.23
Net Cash Flow 0.060.04-0.010.15-0.25-0.030.06-0.03-0.01-0.010.011.31
Free Cash Flow -0.21-1.06-0.510.15-0.25-0.35-0.090.070.14-0.010.01-2.11
CFO/OP 72%-321%119%140%-104%83%225%-250%90%14%62%728%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow0.571.380.680.650.390.300.030.130.290.260.340.43

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 938.57153.681,051.20350.40266.514,197.50681.33644.83331.82344.34365.00883.68
Inventory Days
Days Payable
Cash Conversion Cycle 938.57153.681,051.20350.40266.514,197.50681.33644.83331.82344.34365.00883.68
Working Capital Days -2,659.2912.811,022.00584.00950.1617,611.252,433.332,396.831,287.451,363.581,520.834,226.32
ROCE %-13.33%13.72%-19.55%4.93%10.91%-16.88%-0.42%-1.69%8.64%8.61%3.10%-6.93%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 38.13%38.13%38.13%38.13%38.13%38.13%39.20%39.20%42.74%42.74%42.74%42.74%
DIIs 0.02%0.02%0.02%0.02%0.02%0.02%0.44%0.44%0.37%5.35%5.35%5.35%
Public 61.84%61.84%61.85%61.85%61.83%61.84%60.35%60.35%56.89%51.91%51.91%51.91%
No. of Shareholders 35,48635,52235,69035,66336,65236,16636,30136,51136,54736,41736,27936,137

Shareholding Pattern Chart

No. of Shareholders

HB Leasing & Finance Co Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -0.260.070.190.18-0.04
Diluted EPS (Rs.) -0.260.070.190.18-0.04
Cash EPS (Rs.) -0.220.070.190.18-0.03
Book Value[Excl.RevalReserv]/Share (Rs.) 4.442.332.262.081.89
Book Value[Incl.RevalReserv]/Share (Rs.) 4.442.332.262.081.89
Revenue From Operations / Share (Rs.) 0.140.430.480.490.27
PBDIT / Share (Rs.) -0.220.070.190.18-0.04
PBIT / Share (Rs.) -0.230.070.180.18-0.04
PBT / Share (Rs.) -0.230.070.180.18-0.04
Net Profit / Share (Rs.) -0.220.070.190.18-0.03
PBDIT Margin (%) -154.8316.8539.7336.44-14.74
PBIT Margin (%) -155.6216.4539.3736.19-14.74
PBT Margin (%) -155.6216.4539.3736.19-14.74
Net Profit Margin (%) -154.0416.4139.8636.25-14.02
Return on Networth / Equity (%) -5.133.048.488.70-2.02
Return on Capital Employeed (%) -4.732.536.917.11-1.70
Return On Assets (%) -4.612.416.706.73-1.47
Total Debt / Equity (X) 0.010.020.020.020.10
Asset Turnover Ratio (%) 0.030.140.170.180.10
Current Ratio (X) 51.3117.1117.8713.678.25
Quick Ratio (X) 51.3117.1117.8713.678.25
Enterprise Value (Cr.) 15.9020.703.826.671.68
EV / Net Operating Revenue (X) 83.5943.517.2312.165.60
EV / EBITDA (X) -53.98258.1518.2033.38-38.02
MarketCap / Net Operating Revenue (X) 90.6243.557.2412.185.17
Price / BV (X) 3.028.091.542.930.74
Price / Net Operating Revenue (X) 91.1643.597.2512.195.18
EarningsYield -0.010.000.050.02-0.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

HB Leasing & Finance Co Ltd. is a Public Limited Listed company incorporated on 30/03/1982 and has its registered office in the State of Haryana, India. Company's Corporate Identification Number(CIN) is L65910HR1982PLC034071 and registration number is 034071. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 0.19 Cr. and Equity Capital is Rs. 12.86 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Plot No. 31, Gurgaon Haryana 122001Contact not found
Management
NamePosition Held
Mr. Lalit BhasinChairman
Mr. Anil GoyalManaging Director
Mr. Vinay ShuklaDirector
Mrs. Sapna KhandelwalDirector

FAQ

What is the intrinsic value of HB Leasing & Finance Co Ltd and is it undervalued?

As of 03 April 2026, HB Leasing & Finance Co Ltd's intrinsic value is ₹2.80, which is 76.67% lower than the current market price of ₹12.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (7.02 %), book value (₹4.29), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of HB Leasing & Finance Co Ltd?

HB Leasing & Finance Co Ltd is trading at ₹12.00 as of 03 April 2026, with a FY2026-2027 high of ₹17.6 and low of ₹10.7. The stock is currently near its 52-week low. Market cap stands at ₹15.4 Cr..

How does HB Leasing & Finance Co Ltd's P/E ratio compare to its industry?

HB Leasing & Finance Co Ltd has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is HB Leasing & Finance Co Ltd financially healthy?

Key indicators for HB Leasing & Finance Co Ltd: ROCE of 6.93 % is on the lower side compared to the industry average of 15.81%; ROE of 7.02 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.00 %.

Is HB Leasing & Finance Co Ltd profitable and how is the profit trend?

HB Leasing & Finance Co Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹0 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows a declining trend.

Does HB Leasing & Finance Co Ltd pay dividends?

HB Leasing & Finance Co Ltd has a dividend yield of 0.00 % at the current price of ₹12.00. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in HB Leasing & Finance Co Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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