Share Price and Basic Stock Data
Last Updated: October 10, 2025, 1:50 am
| PEG Ratio | 2.43 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Nalin Lease Finance Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a current market capitalization of ₹31.4 Cr and a share price of ₹47.9. The company has demonstrated steady revenue growth, with sales rising from ₹5.62 Cr in FY 2022 to ₹5.95 Cr in FY 2023. The trailing twelve-month (TTM) revenue stood at ₹6.63 Cr, indicating a robust performance trajectory. Quarterly sales figures show a positive trend, with the latest quarter (Sep 2023) recording ₹1.69 Cr, up from ₹1.52 Cr in Sep 2022. The sales growth reflects an ability to capture market opportunities, although fluctuations were observed in some quarters, such as a decline to ₹1.30 Cr in Mar 2023. Overall, the company appears well-positioned within its industry, benefiting from a favorable operating environment.
Profitability and Efficiency Metrics
Nalin Lease Finance Ltd has exhibited strong profitability metrics, with an operating profit margin (OPM) of 68.78% in the latest reporting period. This figure is significantly above the average for the sector, suggesting effective cost management and operational efficiency. Net profit for FY 2025 stood at ₹3.52 Cr, while earnings per share (EPS) rose to ₹5.37, reflecting a consistent ability to generate returns for shareholders. The return on equity (ROE) was reported at 10.6%, and return on capital employed (ROCE) at 13.4%, both underscoring the company’s efficient use of capital. The interest coverage ratio (ICR) of 11.82x further highlights financial stability, indicating that the company comfortably meets its interest obligations, a crucial factor for investor confidence in the NBFC sector.
Balance Sheet Strength and Financial Ratios
The balance sheet of Nalin Lease Finance Ltd reflects a conservative financial structure, with total borrowings at ₹1.52 Cr against reserves of ₹28.50 Cr, resulting in a debt-to-equity ratio of just 0.03. This low leverage suggests a strong capacity to absorb financial shocks and supports long-term sustainability. The company reported a current ratio of 22.56 and a quick ratio of 22.55, indicating exceptional liquidity and the ability to meet short-term liabilities. The price-to-book value (P/BV) ratio stood at 1.20x, suggesting that the stock may be fairly valued relative to its net asset value. These financial ratios collectively paint a picture of a robust balance sheet, essential for maintaining operational flexibility in a competitive landscape.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Nalin Lease Finance Ltd reveals strong promoter confidence, with promoters holding 71.90% of the company as of Jun 2025, an increase from 71.04% in Sep 2022. This significant stake indicates a commitment to the company’s long-term vision. The public holding stands at 28.11%, with a total of 3,359 shareholders, reflecting a stable investor base. Notably, foreign institutional investors (FIIs) and domestic institutional investors (DIIs) have not reported any holdings, which may imply an opportunity for potential institutional interest. The gradual increase in shareholding by promoters coupled with a stable public shareholding suggests a positive sentiment among stakeholders, reinforcing confidence in the company’s governance and operational strategy.
Outlook, Risks, and Final Insight
If margins sustain at current levels, Nalin Lease Finance Ltd could continue to leverage its operational efficiencies to enhance profitability further. However, potential risks include market volatility affecting loan demand and competitive pressures from other NBFCs. The absence of institutional investors may limit liquidity and broader market participation, which could affect stock performance. Additionally, the company’s high reliance on operational income and relatively low borrowings could pose challenges if economic conditions shift. Should the company maintain its liquidity and profitability while managing these risks, it may enhance shareholder value and attract new investments, positioning itself favorably in the evolving financial landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Nalin Lease Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.1 Cr. | 1.41 | 1.91/0.84 | 94.0 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 12.1 Cr. | 1.21 | 15.6/1.06 | 19.0 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 578 Cr. | 177 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.7 Cr. | 19.3 | 41.0/17.5 | 13.3 | 24.9 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 44.6 Cr. | 99.1 | 181/90.0 | 34.6 | 212 | 1.01 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 31,221.00 Cr | 491.46 | 104.43 | 498.44 | 0.21% | 15.86% | 8.84% | 8.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.41 | 1.52 | 1.53 | 1.30 | 1.53 | 1.69 | 1.84 | 1.61 | 1.85 | 1.74 | 1.62 | 1.22 | 2.05 |
| Expenses | 0.43 | 0.48 | 0.33 | 0.50 | 0.47 | 0.43 | 0.54 | 0.52 | 0.45 | 0.60 | 0.61 | 0.63 | 0.64 |
| Operating Profit | 0.98 | 1.04 | 1.20 | 0.80 | 1.06 | 1.26 | 1.30 | 1.09 | 1.40 | 1.14 | 1.01 | 0.59 | 1.41 |
| OPM % | 69.50% | 68.42% | 78.43% | 61.54% | 69.28% | 74.56% | 70.65% | 67.70% | 75.68% | 65.52% | 62.35% | 48.36% | 68.78% |
| Other Income | 0.03 | 0.04 | 0.04 | 0.08 | 0.11 | 0.30 | 0.41 | 0.24 | 0.17 | 0.19 | 0.44 | 0.06 | 0.04 |
| Interest | 0.01 | 0.01 | 0.02 | 0.03 | 0.05 | 0.10 | 0.11 | 0.16 | 0.12 | 0.13 | 0.11 | 0.06 | 0.06 |
| Depreciation | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Profit before tax | 0.97 | 1.04 | 1.18 | 0.81 | 1.08 | 1.42 | 1.56 | 1.13 | 1.41 | 1.16 | 1.30 | 0.55 | 1.35 |
| Tax % | 24.74% | 25.96% | 25.42% | 23.46% | 27.78% | 27.46% | 30.13% | 14.16% | 10.64% | 40.52% | 23.85% | -3.64% | 31.85% |
| Net Profit | 0.74 | 0.76 | 0.88 | 0.61 | 0.77 | 1.03 | 1.08 | 0.96 | 1.26 | 0.69 | 1.00 | 0.57 | 0.92 |
| EPS in Rs | 1.13 | 1.16 | 1.34 | 0.93 | 1.17 | 1.57 | 1.65 | 1.46 | 1.92 | 1.05 | 1.52 | 0.87 | 1.40 |
Last Updated: August 19, 2025, 1:20 pm
Below is a detailed analysis of the quarterly data for Nalin Lease Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 2.05 Cr.. The value appears strong and on an upward trend. It has increased from 1.22 Cr. (Mar 2025) to 2.05 Cr., marking an increase of 0.83 Cr..
- For Expenses, as of Jun 2025, the value is 0.64 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.63 Cr. (Mar 2025) to 0.64 Cr., marking an increase of 0.01 Cr..
- For Operating Profit, as of Jun 2025, the value is 1.41 Cr.. The value appears strong and on an upward trend. It has increased from 0.59 Cr. (Mar 2025) to 1.41 Cr., marking an increase of 0.82 Cr..
- For OPM %, as of Jun 2025, the value is 68.78%. The value appears strong and on an upward trend. It has increased from 48.36% (Mar 2025) to 68.78%, marking an increase of 20.42%.
- For Other Income, as of Jun 2025, the value is 0.04 Cr.. The value appears to be declining and may need further review. It has decreased from 0.06 Cr. (Mar 2025) to 0.04 Cr., marking a decrease of 0.02 Cr..
- For Interest, as of Jun 2025, the value is 0.06 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.06 Cr..
- For Depreciation, as of Jun 2025, the value is 0.04 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.04 Cr..
- For Profit before tax, as of Jun 2025, the value is 1.35 Cr.. The value appears strong and on an upward trend. It has increased from 0.55 Cr. (Mar 2025) to 1.35 Cr., marking an increase of 0.80 Cr..
- For Tax %, as of Jun 2025, the value is 31.85%. The value appears to be increasing, which may not be favorable. It has increased from -3.64% (Mar 2025) to 31.85%, marking an increase of 35.49%.
- For Net Profit, as of Jun 2025, the value is 0.92 Cr.. The value appears strong and on an upward trend. It has increased from 0.57 Cr. (Mar 2025) to 0.92 Cr., marking an increase of 0.35 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.40. The value appears strong and on an upward trend. It has increased from 0.87 (Mar 2025) to 1.40, marking an increase of 0.53.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 12:54 pm
| 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 | 6.63 |
| 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 | 2.48 |
| 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 | 4.15 |
| 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% | 62.59% |
| 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 | 0.73 |
| 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 | 0.36 |
| 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 | 0.16 |
| 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 | 4.36 |
| 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 | 3.18 |
| 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 | 4.84 |
| 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: September 10, 2025, 3:55 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Nalin Lease Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 6.56 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 6.56 Cr..
- For Reserves, as of Mar 2025, the value is 28.50 Cr.. The value appears strong and on an upward trend. It has increased from 24.98 Cr. (Mar 2024) to 28.50 Cr., marking an increase of 3.52 Cr..
- For Borrowings, as of Mar 2025, the value is 1.52 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 4.31 Cr. (Mar 2024) to 1.52 Cr., marking a decrease of 2.79 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1.07 Cr.. The value appears to be improving (decreasing). It has decreased from 1.39 Cr. (Mar 2024) to 1.07 Cr., marking a decrease of 0.32 Cr..
- For Total Liabilities, as of Mar 2025, the value is 37.65 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 37.24 Cr. (Mar 2024) to 37.65 Cr., marking an increase of 0.41 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1.25 Cr.. The value appears to be declining and may need further review. It has decreased from 1.61 Cr. (Mar 2024) to 1.25 Cr., marking a decrease of 0.36 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 4.64 Cr.. The value appears to be declining and may need further review. It has decreased from 9.87 Cr. (Mar 2024) to 4.64 Cr., marking a decrease of 5.23 Cr..
- For Other Assets, as of Mar 2025, the value is 31.76 Cr.. The value appears strong and on an upward trend. It has increased from 25.76 Cr. (Mar 2024) to 31.76 Cr., marking an increase of 6.00 Cr..
- For Total Assets, as of Mar 2025, the value is 37.65 Cr.. The value appears strong and on an upward trend. It has increased from 37.24 Cr. (Mar 2024) to 37.65 Cr., marking an increase of 0.41 Cr..
Notably, the Reserves (28.50 Cr.) exceed the Borrowings (1.52 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 - No data available for this post.
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: 15.86%)
- 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: 9.95 (Industry average Stock P/E: 104.43)
- 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 | info@nalinfin.co.in http://www.nalinfin.co.in |
| 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 09 October 2025) is 46.04 which is 4.48% lower the current market price of 48.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹31.6 Cr. market cap, FY2025-2026 high/low of 99.9/46.0, reserves of ₹28.50 Cr, and liabilities of 37.65 Cr.
What is the Market Cap of Nalin Lease Finance Ltd?
The Market Cap of Nalin Lease Finance Ltd is 31.6 Cr..
What is the current Stock Price of Nalin Lease Finance Ltd as on 09 October 2025?
The current stock price of Nalin Lease Finance Ltd as on 09 October 2025 is 48.2.
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 99.9/46.0.
What is the Stock P/E of Nalin Lease Finance Ltd?
The Stock P/E of Nalin Lease Finance Ltd is 9.95.
What is the Book Value of Nalin Lease Finance Ltd?
The Book Value of Nalin Lease Finance Ltd is 53.5.
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.