Share Price and Basic Stock Data
Last Updated: December 26, 2025, 11:45 pm
| PEG Ratio | 2.13 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Nalin Lease Finance Ltd operates within the Non-Banking Financial Company (NBFC) sector, showcasing a robust revenue trajectory. For the fiscal year ending March 2025, the company recorded sales of ₹7.30 Cr, a growth from ₹5.95 Cr in the previous year. This upward trend is reflected in the quarterly sales figures, which rose from ₹1.41 Cr in June 2022 to ₹1.85 Cr by June 2024. The company’s operational performance also indicates resilience, achieving an Operating Profit Margin (OPM) of 68.78% in the latest reporting period. The rising sales figures, along with steady operational profitability, suggest that Nalin Lease Finance is effectively capitalizing on market opportunities. The recorded Total Liabilities stood at ₹37.65 Cr as of March 2025, indicating a strategic approach to leveraging debt while maintaining healthy revenue growth. This performance positions the company favorably within the sector, where typical OPM ranges can vary significantly.
Profitability and Efficiency Metrics
Nalin Lease Finance Ltd has demonstrated commendable profitability metrics, with a Return on Equity (ROE) of 10.6% and a Return on Capital Employed (ROCE) of 13.4%. The net profit for the fiscal year 2025 was reported at ₹3.52 Cr, reflecting an increase from ₹2.99 Cr in the prior year. The company’s Earnings Per Share (EPS) also showed a positive trend, standing at ₹5.37 for March 2025, compared to ₹4.56 in March 2023. The Interest Coverage Ratio (ICR) of 11.82x highlights the firm’s strong capability to meet its interest obligations, which is significantly above the typical sector threshold. Furthermore, the company maintained a Cash Conversion Cycle (CCC) of 0.00 days, indicating efficient management of receivables and payables. This efficiency is crucial in the NBFC sector, where liquidity management is paramount, allowing Nalin Lease Finance to effectively reinvest profits and sustain growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Nalin Lease Finance Ltd reflects significant strength, with reserves amounting to ₹30.18 Cr against borrowings of ₹6.04 Cr as of March 2025. The low debt-to-equity ratio of 0.03 underscores a conservative leverage approach, enhancing financial stability. The company’s Book Value per Share (BVS) increased to ₹53.45, indicating a solid foundation for shareholder value. The Current Ratio, reported at 22.56, suggests exceptional liquidity, far surpassing the typical benchmark for the NBFC sector. This strong liquidity position allows the company to absorb shocks and capitalize on new opportunities swiftly. Additionally, a Price-to-Book Value (P/BV) ratio of 1.20x indicates that the market values the company’s assets favorably, reflecting investor confidence in its financial health and growth prospects.
Shareholding Pattern and Investor Confidence
The shareholding structure of Nalin Lease Finance Ltd reveals a stable promoter holding of 72.06% as of September 2025, which indicates strong insider confidence in the company’s future. The public shareholding stood at 27.95%, with a total of 3,305 shareholders reported, reflecting a diverse investor base. The gradual increase in promoter shareholding from 71.04% in December 2022 to the current level suggests a commitment to enhancing shareholder value. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) could indicate a potential area for growth in attracting institutional capital. This lack of institutional backing may pose risks regarding stock liquidity and market perception. Nevertheless, the consistent promoter commitment can bolster investor confidence, particularly in maintaining stability during market fluctuations.
Outlook, Risks, and Final Insight
The outlook for Nalin Lease Finance Ltd appears cautiously optimistic, driven by strong profitability metrics and a solid balance sheet. The company’s ability to maintain high operating margins alongside low leverage positions it well within the competitive NBFC sector. However, potential risks include the absence of FIIs and DIIs, which may limit market liquidity and influence. Additionally, fluctuations in the regulatory environment affecting NBFCs could pose challenges. The company must navigate these risks while capitalizing on growth opportunities in the financial sector. A focus on expanding its public investor base and enhancing its market visibility could further strengthen its market position. Overall, Nalin Lease Finance Ltd is poised for continued growth, provided it manages its risks effectively while leveraging its financial strengths for strategic expansion.
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 | 14.8 Cr. | 1.48 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.63 Cr. | 0.76 | 8.62/0.75 | 22.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 464 Cr. | 63.4 | 130/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.1 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.1 Cr. | 82.5 | 162/74.8 | 19.8 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,743.41 Cr | 462.37 | 53.31 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
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: 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: 15.8%)
- 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: 9.71 (Industry average Stock P/E: 53.31)
- 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 27 December 2025) is 47.03 which is 2.22% lower the current market price of 48.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 31.5 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 31.5 Cr..
What is the current Stock Price of Nalin Lease Finance Ltd as on 27 December 2025?
The current stock price of Nalin Lease Finance Ltd as on 27 December 2025 is 48.1.
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 9.71.
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.