Nalin Lease Finance Ltd

Nalin Lease Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Nalin Lease Finance Ltd

₹ 53.5 6.79%
25 Feb 9:54 a.m.
nalinfin.co.in BSE: 531212
About

Incorporated in 1990, Nalin Lease Finance Ltd provides a wide range of fund-based services.[1]

Key Points

Business Overview:[1]
NLFL is a Gujarat based company which is registered as a non-systemically important non-deposit taking non-banking financing company The branch at Gujarat (Himmat Nagar), offers vehicle, gold and education loans to around 4,800 customers in Sabarkantha, Arvalli, Mehsana and other districts in the vicinity.

Website BSE
  • Market Cap ₹ 35.1 Cr.
  • Current Price ₹ 53.5
  • High / Low ₹ 82.9 / 41.7
  • Stock P/E 11.7
  • Book Value ₹ 56.0
  • Dividend Yield 0.00 %
  • ROCE 13.4 %
  • ROE 10.6 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.89 times its book value
  • Promoter holding has increased by 1.24% over last quarter.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 7.56% over past five years.
  • Company has a low return on equity of 11.7% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
1.53 1.30 1.53 1.69 1.84 1.61 1.85 1.74 1.62 1.22 2.05 1.78 1.89
Interest 0.02 0.03 0.05 0.10 0.11 0.16 0.12 0.13 0.11 0.06 0.06 0.10 0.18
0.33 0.50 0.47 0.43 0.54 0.52 0.45 0.60 0.61 0.63 0.64 0.63 0.66
Financing Profit 1.18 0.77 1.01 1.16 1.19 0.93 1.28 1.01 0.90 0.53 1.35 1.05 1.05
Financing Margin % 77.12% 59.23% 66.01% 68.64% 64.67% 57.76% 69.19% 58.05% 55.56% 43.44% 65.85% 58.99% 55.56%
0.04 0.08 0.11 0.30 0.41 0.24 0.17 0.19 0.44 0.06 0.04 0.05 0.04
Depreciation 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.02 0.05
Profit before tax 1.18 0.81 1.08 1.42 1.56 1.13 1.41 1.16 1.30 0.55 1.35 1.08 1.04
Tax % 25.42% 23.46% 27.78% 27.46% 30.13% 14.16% 10.64% 40.52% 23.85% -3.64% 31.85% 28.70% 26.92%
0.88 0.61 0.77 1.03 1.08 0.96 1.26 0.69 1.00 0.57 0.92 0.76 0.75
EPS in Rs 1.34 0.93 1.17 1.57 1.65 1.46 1.92 1.05 1.52 0.87 1.40 1.16 1.14
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

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
3.16 2.98 2.41 2.73 3.54 4.49 5.07 4.89 5.62 5.95 7.73 7.30 6.94
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 0.40
1.92 1.74 1.21 1.13 1.19 1.12 1.65 1.35 1.90 1.68 1.90 2.28 2.56
Financing Profit 1.01 1.20 1.17 1.45 1.49 2.43 2.67 3.45 3.62 4.19 5.40 4.60 3.98
Financing Margin % 31.96% 40.27% 48.55% 53.11% 42.09% 54.12% 52.66% 70.55% 64.41% 70.42% 69.86% 63.01% 57.35%
-0.03 0.00 0.02 0.00 -0.01 0.00 0.21 -0.01 -0.01 -0.05 -0.06 -0.01 0.19
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 0.15
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 4.02
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%
0.65 0.75 0.71 0.93 1.01 1.72 1.99 2.52 2.60 2.99 3.85 3.52 3.00
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 4.57
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%
Compounded Sales Growth
10 Years: 9%
5 Years: 8%
3 Years: 9%
TTM: 2%
Compounded Profit Growth
10 Years: 17%
5 Years: 14%
3 Years: 11%
TTM: -23%
Stock Price CAGR
10 Years: %
5 Years: 20%
3 Years: 11%
1 Year: -15%
Return on Equity
10 Years: 11%
5 Years: 12%
3 Years: 12%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

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
Borrowing 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
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
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
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

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2.76 -0.29 -0.41 -3.54 -4.00 1.20 4.03 2.09 0.78 3.65 1.14 -3.04
-0.59 0.40 -0.01 0.03 0.04 0.04 0.49 -0.82 -0.56 -4.27 -4.50 5.60
-3.12 2.04 -1.42 2.75 3.63 -1.24 -1.77 -4.21 -0.03 1.09 2.74 -2.84
Net Cash Flow -0.95 2.15 -1.84 -0.76 -0.33 0.00 2.76 -2.94 0.18 0.48 -0.63 -0.29

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 9.31% 9.48% 8.19% 9.86% 9.86% 11.96% 9.73% 11.91% 11.08% 11.53% 13.14% 10.60%

Shareholding Pattern

Numbers in percentages

5 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
71.04% 71.04% 71.04% 71.20% 71.39% 71.39% 71.39% 71.39% 71.39% 71.90% 72.06% 73.30%
28.96% 28.95% 28.96% 28.81% 28.62% 28.61% 28.61% 28.61% 28.61% 28.11% 27.95% 26.71%
No. of Shareholders 1,5571,5441,6911,8653,4203,3013,5773,5123,4603,3593,3053,231

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