Share Price and Basic Stock Data
Last Updated: January 15, 2026, 9:00 am
| PEG Ratio | 2.18 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Nalin Lease Finance Ltd operates as a Non-Banking Financial Company (NBFC) with a market capitalization of ₹32.3 Cr and a share price of ₹49.2. The company has shown a consistent upward trend in sales, recording ₹5.95 Cr in FY 2023 and an anticipated ₹7.30 Cr in FY 2025. Quarterly sales figures demonstrate steady growth, with the latest reported figure of ₹1.69 Cr in September 2023, up from ₹1.52 Cr in September 2022. The highest quarterly sales of ₹2.05 Cr are projected for June 2025, indicating a robust growth trajectory. The operating profit margin (OPM) stood at a commendable 64.61%, reflecting efficient cost management. Overall, the company has demonstrated resilience amidst market fluctuations, supported by a solid revenue base and strategic positioning in the financial services sector.
Profitability and Efficiency Metrics
Nalin Lease Finance Ltd’s profitability metrics indicate a strong performance, with a return on equity (ROE) of 10.6% and a return on capital employed (ROCE) of 13.4%. The net profit for FY 2023 was reported at ₹2.99 Cr, with an EPS of ₹4.56, rising to ₹5.37 for FY 2025. The interest coverage ratio (ICR) stood at 11.82x, highlighting the company’s ability to cover interest expenses comfortably. Operating profit has also remained robust, with operating profits reaching ₹4.27 Cr in FY 2023. The company’s efficiency is further underscored by its zero cash conversion cycle (CCC), illustrating effective management of working capital. However, the declining trend in net profit margin from 57.73% in FY 2024 to 54.85% in FY 2025 may raise concerns about future profitability, necessitating close monitoring of operational costs.
Balance Sheet Strength and Financial Ratios
Nalin Lease Finance Ltd’s balance sheet exhibits significant strength, with total assets reported at ₹37.65 Cr as of March 2025. The company maintains a low debt-to-equity ratio of 0.03, indicating minimal reliance on external financing. Reserves have grown to ₹30.18 Cr, showcasing a solid capital base. The price-to-book value is 1.20x, which is acceptable for the sector, suggesting that the stock is fairly valued relative to its book value. The current ratio stands at an impressive 22.56, indicating robust liquidity. However, the company faced a slight increase in borrowings to ₹6.04 Cr, which warrants attention as it may impact future financial flexibility. Overall, Nalin Lease Finance Ltd’s financial ratios reflect a well-managed entity with a strong capacity to meet its obligations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Nalin Lease Finance Ltd reflects a strong promoter presence, with promoters holding 72.06% of the shares as of September 2025. This ownership structure indicates stable management control, which is often viewed positively by investors. The number of shareholders has increased to 3,305, suggesting rising interest and confidence among the public. However, the public holding has declined to 27.95%, which may limit liquidity in the stock. Notably, there are no foreign institutional investors (FIIs) or domestic institutional investors (DIIs) involved, which typically indicates a lack of institutional backing. While the high promoter holding can be a strength, the absence of institutional investors might pose risks regarding market sentiment and stock volatility.
Outlook, Risks, and Final Insight
Nalin Lease Finance Ltd is well-positioned for growth, with a solid revenue base and efficient operational metrics. However, potential risks include the declining net profit margin and the increase in borrowings, which could affect financial stability if not managed prudently. The company’s reliance on promoter support, coupled with low institutional interest, may lead to stock price volatility. Moving forward, focusing on improving profit margins and maintaining low debt levels will be crucial for sustaining growth. A strategic approach to attract institutional investors could enhance market confidence and liquidity. Overall, while the company shows promise, stakeholders should remain vigilant regarding operational efficiencies and market dynamics to mitigate potential risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.2 Cr. | 1.42 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.43 Cr. | 0.74 | 7.55/0.62 | 21.8 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 415 Cr. | 63.5 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 26.2/15.0 | 12.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 32.6 Cr. | 72.5 | 152/66.1 | 17.4 | 238 | 1.38 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,817.74 Cr | 402.51 | 52.26 | 515.00 | 0.23% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.52 | 1.53 | 1.30 | 1.53 | 1.69 | 1.84 | 1.61 | 1.85 | 1.74 | 1.62 | 1.22 | 2.05 | 1.78 |
| Expenses | 0.48 | 0.33 | 0.50 | 0.47 | 0.43 | 0.54 | 0.52 | 0.45 | 0.60 | 0.61 | 0.63 | 0.64 | 0.63 |
| Operating Profit | 1.04 | 1.20 | 0.80 | 1.06 | 1.26 | 1.30 | 1.09 | 1.40 | 1.14 | 1.01 | 0.59 | 1.41 | 1.15 |
| OPM % | 68.42% | 78.43% | 61.54% | 69.28% | 74.56% | 70.65% | 67.70% | 75.68% | 65.52% | 62.35% | 48.36% | 68.78% | 64.61% |
| Other Income | 0.04 | 0.04 | 0.08 | 0.11 | 0.30 | 0.41 | 0.24 | 0.17 | 0.19 | 0.44 | 0.06 | 0.04 | 0.05 |
| Interest | 0.01 | 0.02 | 0.03 | 0.05 | 0.10 | 0.11 | 0.16 | 0.12 | 0.13 | 0.11 | 0.06 | 0.06 | 0.10 |
| Depreciation | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.02 |
| Profit before tax | 1.04 | 1.18 | 0.81 | 1.08 | 1.42 | 1.56 | 1.13 | 1.41 | 1.16 | 1.30 | 0.55 | 1.35 | 1.08 |
| Tax % | 25.96% | 25.42% | 23.46% | 27.78% | 27.46% | 30.13% | 14.16% | 10.64% | 40.52% | 23.85% | -3.64% | 31.85% | 28.70% |
| Net Profit | 0.76 | 0.88 | 0.61 | 0.77 | 1.03 | 1.08 | 0.96 | 1.26 | 0.69 | 1.00 | 0.57 | 0.92 | 0.76 |
| EPS in Rs | 1.16 | 1.34 | 0.93 | 1.17 | 1.57 | 1.65 | 1.46 | 1.92 | 1.05 | 1.52 | 0.87 | 1.40 | 1.16 |
Last Updated: January 6, 2026, 9:38 pm
Below is a detailed analysis of the quarterly data for Nalin Lease Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 1.78 Cr.. The value appears to be declining and may need further review. It has decreased from 2.05 Cr. (Jun 2025) to 1.78 Cr., marking a decrease of 0.27 Cr..
- For Expenses, as of Sep 2025, the value is 0.63 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.64 Cr. (Jun 2025) to 0.63 Cr., marking a decrease of 0.01 Cr..
- For Operating Profit, as of Sep 2025, the value is 1.15 Cr.. The value appears to be declining and may need further review. It has decreased from 1.41 Cr. (Jun 2025) to 1.15 Cr., marking a decrease of 0.26 Cr..
- For OPM %, as of Sep 2025, the value is 64.61%. The value appears to be declining and may need further review. It has decreased from 68.78% (Jun 2025) to 64.61%, marking a decrease of 4.17%.
- For Other Income, as of Sep 2025, the value is 0.05 Cr.. The value appears strong and on an upward trend. It has increased from 0.04 Cr. (Jun 2025) to 0.05 Cr., marking an increase of 0.01 Cr..
- For Interest, as of Sep 2025, the value is 0.10 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.06 Cr. (Jun 2025) to 0.10 Cr., marking an increase of 0.04 Cr..
- For Depreciation, as of Sep 2025, the value is 0.02 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.04 Cr. (Jun 2025) to 0.02 Cr., marking a decrease of 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 1.08 Cr.. The value appears to be declining and may need further review. It has decreased from 1.35 Cr. (Jun 2025) to 1.08 Cr., marking a decrease of 0.27 Cr..
- For Tax %, as of Sep 2025, the value is 28.70%. The value appears to be improving (decreasing) as expected. It has decreased from 31.85% (Jun 2025) to 28.70%, marking a decrease of 3.15%.
- For Net Profit, as of Sep 2025, the value is 0.76 Cr.. The value appears to be declining and may need further review. It has decreased from 0.92 Cr. (Jun 2025) to 0.76 Cr., marking a decrease of 0.16 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.16. The value appears to be declining and may need further review. It has decreased from 1.40 (Jun 2025) to 1.16, marking a decrease of 0.24.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:31 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3.16 | 2.98 | 2.41 | 2.73 | 3.54 | 4.49 | 5.07 | 4.89 | 5.62 | 5.95 | 7.73 | 7.30 | 6.67 |
| Expenses | 1.92 | 1.74 | 1.21 | 1.13 | 1.19 | 1.12 | 1.65 | 1.35 | 1.90 | 1.68 | 1.90 | 2.28 | 2.51 |
| Operating Profit | 1.24 | 1.24 | 1.20 | 1.60 | 2.35 | 3.37 | 3.42 | 3.54 | 3.72 | 4.27 | 5.83 | 5.02 | 4.16 |
| OPM % | 39.24% | 41.61% | 49.79% | 58.61% | 66.38% | 75.06% | 67.46% | 72.39% | 66.19% | 71.76% | 75.42% | 68.77% | 62.37% |
| Other Income | -0.03 | 0.00 | 0.02 | 0.00 | -0.01 | 0.00 | 0.21 | -0.01 | -0.01 | -0.05 | -0.06 | -0.01 | 0.59 |
| Interest | 0.23 | 0.04 | 0.03 | 0.15 | 0.86 | 0.94 | 0.75 | 0.09 | 0.10 | 0.08 | 0.43 | 0.42 | 0.33 |
| Depreciation | 0.04 | 0.15 | 0.09 | 0.09 | 0.06 | 0.07 | 0.11 | 0.13 | 0.10 | 0.15 | 0.17 | 0.16 | 0.14 |
| Profit before tax | 0.94 | 1.05 | 1.10 | 1.36 | 1.42 | 2.36 | 2.77 | 3.31 | 3.51 | 3.99 | 5.17 | 4.43 | 4.28 |
| Tax % | 29.79% | 28.57% | 35.45% | 32.35% | 28.17% | 27.12% | 28.16% | 23.87% | 25.93% | 25.31% | 25.53% | 20.54% | |
| Net Profit | 0.65 | 0.75 | 0.71 | 0.93 | 1.01 | 1.72 | 1.99 | 2.52 | 2.60 | 2.99 | 3.85 | 3.52 | 3.25 |
| EPS in Rs | 1.99 | 2.30 | 2.18 | 2.85 | 3.10 | 5.27 | 3.03 | 3.84 | 3.96 | 4.56 | 5.87 | 5.37 | 4.95 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.02% | 0.00% | 0.00% | 0.00% | 0.00% |
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 (%) | 15.38% | -5.33% | 30.99% | 8.60% | 70.30% | 15.70% | 26.63% | 3.17% | 15.00% | 28.76% | -8.57% |
| Change in YoY Net Profit Growth (%) | 0.00% | -20.72% | 36.32% | -22.38% | 61.69% | -54.60% | 10.94% | -23.46% | 11.83% | 13.76% | -37.33% |
Nalin Lease Finance 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: | 9% |
| 5 Years: | 8% |
| 3 Years: | 9% |
| TTM: | -5% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 14% |
| 3 Years: | 11% |
| TTM: | -27% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 18% |
| 3 Years: | 23% |
| 1 Year: | 13% |
| Return on Equity | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 12% |
| 3 Years: | 12% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 3:46 pm
Balance Sheet
Last Updated: December 10, 2025, 4:31 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 | 3.26 | 3.26 | 3.26 | 3.26 | 3.26 | 6.56 | 6.56 | 6.56 | 6.56 | 6.56 | 6.56 | 6.56 | 6.56 |
| Reserves | 4.27 | 5.04 | 5.77 | 6.58 | 7.60 | 11.35 | 13.34 | 15.86 | 18.13 | 21.13 | 24.98 | 28.50 | 30.18 |
| Borrowings | 0.39 | 2.43 | 1.01 | 3.76 | 7.38 | 6.14 | 4.38 | 0.16 | 0.45 | 1.55 | 4.31 | 1.52 | 6.04 |
| Other Liabilities | 0.32 | 0.33 | 0.44 | 0.22 | 0.29 | 0.41 | 0.83 | 0.93 | 0.95 | 1.08 | 1.39 | 1.07 | 0.78 |
| Total Liabilities | 8.24 | 11.06 | 10.48 | 13.82 | 18.53 | 24.46 | 25.11 | 23.51 | 26.09 | 30.32 | 37.24 | 37.65 | 43.56 |
| Fixed Assets | 0.36 | 0.54 | 0.46 | 0.39 | 0.28 | 0.48 | 0.34 | 0.24 | 0.52 | 0.97 | 1.61 | 1.25 | 1.68 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 | 0.00 |
| Investments | 0.73 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.77 | 1.02 | 4.57 | 9.87 | 4.64 | 5.07 |
| Other Assets | 7.15 | 10.52 | 10.02 | 13.43 | 18.25 | 23.98 | 24.77 | 22.50 | 24.55 | 24.69 | 25.76 | 31.76 | 36.81 |
| Total Assets | 8.24 | 11.06 | 10.48 | 13.82 | 18.53 | 24.46 | 25.11 | 23.51 | 26.09 | 30.32 | 37.24 | 37.65 | 43.56 |
Below is a detailed analysis of the balance sheet data for Nalin Lease Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 6.56 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 6.56 Cr..
- For Reserves, as of Sep 2025, the value is 30.18 Cr.. The value appears strong and on an upward trend. It has increased from 28.50 Cr. (Mar 2025) to 30.18 Cr., marking an increase of 1.68 Cr..
- For Borrowings, as of Sep 2025, the value is 6.04 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 1.52 Cr. (Mar 2025) to 6.04 Cr., marking an increase of 4.52 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.78 Cr.. The value appears to be improving (decreasing). It has decreased from 1.07 Cr. (Mar 2025) to 0.78 Cr., marking a decrease of 0.29 Cr..
- For Total Liabilities, as of Sep 2025, the value is 43.56 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 37.65 Cr. (Mar 2025) to 43.56 Cr., marking an increase of 5.91 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.68 Cr.. The value appears strong and on an upward trend. It has increased from 1.25 Cr. (Mar 2025) to 1.68 Cr., marking an increase of 0.43 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 5.07 Cr.. The value appears strong and on an upward trend. It has increased from 4.64 Cr. (Mar 2025) to 5.07 Cr., marking an increase of 0.43 Cr..
- For Other Assets, as of Sep 2025, the value is 36.81 Cr.. The value appears strong and on an upward trend. It has increased from 31.76 Cr. (Mar 2025) to 36.81 Cr., marking an increase of 5.05 Cr..
- For Total Assets, as of Sep 2025, the value is 43.56 Cr.. The value appears strong and on an upward trend. It has increased from 37.65 Cr. (Mar 2025) to 43.56 Cr., marking an increase of 5.91 Cr..
Notably, the Reserves (30.18 Cr.) exceed the Borrowings (6.04 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
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
| 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 | 0.85 | -1.19 | 0.19 | -2.16 | -5.03 | -2.77 | -0.96 | 3.38 | 3.27 | 2.72 | 1.52 | 3.50 |
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.
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 | 680.33 | 875.76 | 1,284.32 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 680.33 | 875.76 | 1,284.32 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 641.06 | 579.35 | 1,116.20 | 775.46 | 666.07 | -499.94 | -327.56 | -2.99 | -2.60 | 8.59 | 8.50 | 11.50 |
| ROCE % | 13.12% | 11.69% | 10.88% | 12.77% | 14.38% | 15.61% | 13.70% | 14.55% | 15.17% | 15.15% | 17.39% | 13.42% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 5.37 | 5.87 | 4.56 | 3.97 | 3.85 |
| Diluted EPS (Rs.) | 5.37 | 5.87 | 4.56 | 3.97 | 3.85 |
| Cash EPS (Rs.) | 5.62 | 6.12 | 4.79 | 4.12 | 4.04 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 53.45 | 48.08 | 42.21 | 37.65 | 34.18 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 53.45 | 48.08 | 42.21 | 37.65 | 34.18 |
| Dividend / Share (Rs.) | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 |
| Revenue From Operations / Share (Rs.) | 9.79 | 10.17 | 8.81 | 8.53 | 7.45 |
| PBDIT / Share (Rs.) | 7.64 | 8.79 | 6.43 | 5.64 | 5.38 |
| PBIT / Share (Rs.) | 7.40 | 8.53 | 6.21 | 5.49 | 5.19 |
| PBT / Share (Rs.) | 6.75 | 7.88 | 6.09 | 5.35 | 5.04 |
| Net Profit / Share (Rs.) | 5.37 | 5.87 | 4.56 | 3.96 | 3.85 |
| PBDIT Margin (%) | 78.00 | 86.42 | 73.02 | 66.16 | 72.22 |
| PBIT Margin (%) | 75.52 | 83.93 | 70.48 | 64.38 | 69.58 |
| PBT Margin (%) | 68.92 | 77.55 | 69.16 | 62.67 | 67.67 |
| Net Profit Margin (%) | 54.85 | 57.73 | 51.77 | 46.47 | 51.63 |
| Return on Networth / Equity (%) | 10.05 | 12.20 | 10.80 | 10.53 | 11.25 |
| Return on Capital Employeed (%) | 13.44 | 17.05 | 14.20 | 14.09 | 14.61 |
| Return On Assets (%) | 9.35 | 10.33 | 9.86 | 9.96 | 10.73 |
| Total Debt / Equity (X) | 0.03 | 0.11 | 0.05 | 0.01 | 0.01 |
| Asset Turnover Ratio (%) | 0.17 | 0.19 | 0.20 | 0.22 | 0.20 |
| Current Ratio (X) | 22.56 | 7.76 | 17.29 | 46.05 | 97.36 |
| Quick Ratio (X) | 22.55 | 7.75 | 17.25 | 45.87 | 97.09 |
| Inventory Turnover Ratio (X) | 180.98 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 11.82 | 13.55 | 55.06 | 38.70 | 37.83 |
| Interest Coverage Ratio (Post Tax) (X) | 9.31 | 10.05 | 40.04 | 28.18 | 28.05 |
| Enterprise Value (Cr.) | 42.36 | 30.41 | 22.05 | 21.60 | 12.12 |
| EV / Net Operating Revenue (X) | 6.59 | 4.56 | 3.82 | 3.86 | 2.48 |
| EV / EBITDA (X) | 8.45 | 5.28 | 5.22 | 5.83 | 3.43 |
| MarketCap / Net Operating Revenue (X) | 6.53 | 4.06 | 3.71 | 3.86 | 2.50 |
| Price / BV (X) | 1.20 | 0.85 | 0.77 | 0.87 | 0.54 |
| Price / Net Operating Revenue (X) | 6.54 | 4.06 | 3.71 | 3.86 | 2.50 |
| EarningsYield | 0.08 | 0.14 | 0.13 | 0.12 | 0.20 |
After reviewing the key financial ratios for Nalin Lease Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 5.37. This value is within the healthy range. It has decreased from 5.87 (Mar 24) to 5.37, marking a decrease of 0.50.
- For Diluted EPS (Rs.), as of Mar 25, the value is 5.37. This value is within the healthy range. It has decreased from 5.87 (Mar 24) to 5.37, marking a decrease of 0.50.
- For Cash EPS (Rs.), as of Mar 25, the value is 5.62. This value is within the healthy range. It has decreased from 6.12 (Mar 24) to 5.62, marking a decrease of 0.50.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.45. It has increased from 48.08 (Mar 24) to 53.45, marking an increase of 5.37.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.45. It has increased from 48.08 (Mar 24) to 53.45, marking an increase of 5.37.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 9.79. It has decreased from 10.17 (Mar 24) to 9.79, marking a decrease of 0.38.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 7.64. This value is within the healthy range. It has decreased from 8.79 (Mar 24) to 7.64, marking a decrease of 1.15.
- For PBIT / Share (Rs.), as of Mar 25, the value is 7.40. This value is within the healthy range. It has decreased from 8.53 (Mar 24) to 7.40, marking a decrease of 1.13.
- For PBT / Share (Rs.), as of Mar 25, the value is 6.75. This value is within the healthy range. It has decreased from 7.88 (Mar 24) to 6.75, marking a decrease of 1.13.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 5.37. This value is within the healthy range. It has decreased from 5.87 (Mar 24) to 5.37, marking a decrease of 0.50.
- For PBDIT Margin (%), as of Mar 25, the value is 78.00. This value is within the healthy range. It has decreased from 86.42 (Mar 24) to 78.00, marking a decrease of 8.42.
- For PBIT Margin (%), as of Mar 25, the value is 75.52. This value exceeds the healthy maximum of 20. It has decreased from 83.93 (Mar 24) to 75.52, marking a decrease of 8.41.
- For PBT Margin (%), as of Mar 25, the value is 68.92. This value is within the healthy range. It has decreased from 77.55 (Mar 24) to 68.92, marking a decrease of 8.63.
- For Net Profit Margin (%), as of Mar 25, the value is 54.85. This value exceeds the healthy maximum of 10. It has decreased from 57.73 (Mar 24) to 54.85, marking a decrease of 2.88.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.05. This value is below the healthy minimum of 15. It has decreased from 12.20 (Mar 24) to 10.05, marking a decrease of 2.15.
- For Return on Capital Employeed (%), as of Mar 25, the value is 13.44. This value is within the healthy range. It has decreased from 17.05 (Mar 24) to 13.44, marking a decrease of 3.61.
- For Return On Assets (%), as of Mar 25, the value is 9.35. This value is within the healthy range. It has decreased from 10.33 (Mar 24) to 9.35, marking a decrease of 0.98.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.03. This value is within the healthy range. It has decreased from 0.11 (Mar 24) to 0.03, marking a decrease of 0.08.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.17. It has decreased from 0.19 (Mar 24) to 0.17, marking a decrease of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 22.56. This value exceeds the healthy maximum of 3. It has increased from 7.76 (Mar 24) to 22.56, marking an increase of 14.80.
- For Quick Ratio (X), as of Mar 25, the value is 22.55. This value exceeds the healthy maximum of 2. It has increased from 7.75 (Mar 24) to 22.55, marking an increase of 14.80.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 180.98. This value exceeds the healthy maximum of 8. It has increased from 0.00 (Mar 24) to 180.98, marking an increase of 180.98.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 11.82. This value is within the healthy range. It has decreased from 13.55 (Mar 24) to 11.82, marking a decrease of 1.73.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 9.31. This value is within the healthy range. It has decreased from 10.05 (Mar 24) to 9.31, marking a decrease of 0.74.
- For Enterprise Value (Cr.), as of Mar 25, the value is 42.36. It has increased from 30.41 (Mar 24) to 42.36, marking an increase of 11.95.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.59. This value exceeds the healthy maximum of 3. It has increased from 4.56 (Mar 24) to 6.59, marking an increase of 2.03.
- For EV / EBITDA (X), as of Mar 25, the value is 8.45. This value is within the healthy range. It has increased from 5.28 (Mar 24) to 8.45, marking an increase of 3.17.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 6.53. This value exceeds the healthy maximum of 3. It has increased from 4.06 (Mar 24) to 6.53, marking an increase of 2.47.
- For Price / BV (X), as of Mar 25, the value is 1.20. This value is within the healthy range. It has increased from 0.85 (Mar 24) to 1.20, marking an increase of 0.35.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 6.54. This value exceeds the healthy maximum of 3. It has increased from 4.06 (Mar 24) to 6.54, marking an increase of 2.48.
- For EarningsYield, as of Mar 25, the value is 0.08. This value is below the healthy minimum of 5. It has decreased from 0.14 (Mar 24) to 0.08, marking a decrease of 0.06.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Nalin Lease Finance Ltd:
- Net Profit Margin: 54.85%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 13.44% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 10.05% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 9.31
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 22.55
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 9.94 (Industry average Stock P/E: 52.26)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.03
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 54.85%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Ground Floor, Gandhi Nursing Home Building., Himatnagar Gujarat 383001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Dilipkumar Nalinkant Gandhi | Chairman & Wholetime Director |
| Mr. Harsh Dilipkumar Gandhi | Managing Director |
| Mrs. Pallavi Dilipkumar Gandhi | Whole Time Director |
| Mr. Ashwinbhai Maganbhai Prajapati | Independent Director |
| Mr. Hirenkumar Satishkumar Soni | Independent Director |
| Mr. Samirkumar Kantilal Shah | Independent Director |
| Mr. Samsad Alam Khan | Independent Director |
FAQ
What is the intrinsic value of Nalin Lease Finance Ltd?
Nalin Lease Finance Ltd's intrinsic value (as of 15 January 2026) is ₹48.15 which is 2.13% lower the current market price of ₹49.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹32.3 Cr. market cap, FY2025-2026 high/low of ₹82.9/41.7, reserves of ₹30.18 Cr, and liabilities of ₹43.56 Cr.
What is the Market Cap of Nalin Lease Finance Ltd?
The Market Cap of Nalin Lease Finance Ltd is 32.3 Cr..
What is the current Stock Price of Nalin Lease Finance Ltd as on 15 January 2026?
The current stock price of Nalin Lease Finance Ltd as on 15 January 2026 is ₹49.2.
What is the High / Low of Nalin Lease Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Nalin Lease Finance Ltd stocks is ₹82.9/41.7.
What is the Stock P/E of Nalin Lease Finance Ltd?
The Stock P/E of Nalin Lease Finance Ltd is 9.94.
What is the Book Value of Nalin Lease Finance Ltd?
The Book Value of Nalin Lease Finance Ltd is 56.0.
What is the Dividend Yield of Nalin Lease Finance Ltd?
The Dividend Yield of Nalin Lease Finance Ltd is 0.00 %.
What is the ROCE of Nalin Lease Finance Ltd?
The ROCE of Nalin Lease Finance Ltd is 13.4 %.
What is the ROE of Nalin Lease Finance Ltd?
The ROE of Nalin Lease Finance Ltd is 10.6 %.
What is the Face Value of Nalin Lease Finance Ltd?
The Face Value of Nalin Lease Finance Ltd is 10.0.