Nalin Lease Finance Ltd
₹ 45.0
0.63%
18 May
4:01 p.m.
About
Incorporated in 1990, Nalin Lease Finance Ltd provides a wide range of fund-based services.[1]
Key Points
- Market Cap ₹ 29.5 Cr.
- Current Price ₹ 45.0
- High / Low ₹ 66.8 / 35.3
- Stock P/E 9.27
- Book Value ₹ 58.3
- Dividend Yield 0.00 %
- ROCE 11.0 %
- ROE 8.68 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.79 times its book value
- Promoter holding has increased by 1.57% 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 6.44% over past five years.
- Company has a low return on equity of 10.6% 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2.98 | 2.41 | 2.73 | 3.54 | 4.49 | 5.07 | 4.89 | 5.62 | 5.95 | 7.73 | 7.30 | 6.68 | |
| Interest | 0.04 | 0.03 | 0.15 | 0.86 | 0.94 | 0.75 | 0.09 | 0.10 | 0.08 | 0.43 | 0.42 | 0.53 |
| 1.74 | 1.21 | 1.13 | 1.19 | 1.12 | 1.65 | 1.35 | 1.90 | 1.68 | 1.90 | 2.28 | 2.72 | |
| Financing Profit | 1.20 | 1.17 | 1.45 | 1.49 | 2.43 | 2.67 | 3.45 | 3.62 | 4.19 | 5.40 | 4.60 | 3.43 |
| Financing Margin % | 40.27% | 48.55% | 53.11% | 42.09% | 54.12% | 52.66% | 70.55% | 64.41% | 70.42% | 69.86% | 63.01% | 51.35% |
| 0.00 | 0.02 | 0.00 | -0.01 | 0.00 | 0.21 | -0.01 | -0.01 | -0.05 | -0.06 | -0.01 | 0.88 | |
| Depreciation | 0.15 | 0.09 | 0.09 | 0.06 | 0.07 | 0.11 | 0.13 | 0.10 | 0.15 | 0.17 | 0.16 | 0.17 |
| Profit before tax | 1.05 | 1.10 | 1.36 | 1.42 | 2.36 | 2.77 | 3.31 | 3.51 | 3.99 | 5.17 | 4.43 | 4.14 |
| Tax % | 28.57% | 35.45% | 32.35% | 28.17% | 27.12% | 28.16% | 23.87% | 25.93% | 25.31% | 25.53% | 20.54% | 23.19% |
| 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 | 2.30 | 2.18 | 2.85 | 3.10 | 5.27 | 3.03 | 3.84 | 3.96 | 4.56 | 5.87 | 5.37 | 4.85 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 6% |
| 3 Years: | 4% |
| TTM: | -8% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 5% |
| 3 Years: | 2% |
| TTM: | -10% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 14% |
| 3 Years: | 10% |
| 1 Year: | -24% |
| Return on Equity | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 11% |
| 3 Years: | 11% |
| Last Year: | 9% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 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 | 5.04 | 5.77 | 6.58 | 7.60 | 11.35 | 13.34 | 15.86 | 18.13 | 21.13 | 24.98 | 28.50 | 31.68 |
| Borrowing | 2.43 | 1.01 | 3.76 | 7.38 | 6.14 | 4.38 | 0.16 | 0.45 | 1.55 | 4.31 | 1.52 | 10.39 |
| 0.33 | 0.44 | 0.22 | 0.29 | 0.41 | 0.83 | 0.93 | 0.95 | 1.08 | 1.39 | 1.07 | 1.04 | |
| Total Liabilities | 11.06 | 10.48 | 13.82 | 18.53 | 24.46 | 25.11 | 23.51 | 26.09 | 30.32 | 37.24 | 37.65 | 49.67 |
| 0.54 | 0.46 | 0.39 | 0.28 | 0.48 | 0.34 | 0.24 | 0.52 | 0.97 | 1.61 | 1.25 | 1.48 | |
| CWIP | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.77 | 1.02 | 4.57 | 9.87 | 4.64 | 2.00 |
| 10.52 | 10.02 | 13.43 | 18.25 | 23.98 | 24.77 | 22.50 | 24.55 | 24.69 | 25.76 | 31.76 | 46.19 | |
| Total Assets | 11.06 | 10.48 | 13.82 | 18.53 | 24.46 | 25.11 | 23.51 | 26.09 | 30.32 | 37.24 | 37.65 | 49.67 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.29 | -0.41 | -3.54 | -4.00 | 1.20 | 4.03 | 2.09 | 0.78 | 3.65 | 1.14 | -3.04 | -11.20 | |
| 0.40 | -0.01 | 0.03 | 0.04 | 0.04 | 0.49 | -0.82 | -0.56 | -4.27 | -4.50 | 5.60 | 2.37 | |
| 2.04 | -1.42 | 2.75 | 3.63 | -1.24 | -1.77 | -4.21 | -0.03 | 1.09 | 2.74 | -2.84 | 8.86 | |
| Net Cash Flow | 2.15 | -1.84 | -0.76 | -0.33 | 0.00 | 2.76 | -2.94 | 0.18 | 0.48 | -0.63 | -0.29 | 0.03 |
| Free Cash Flow | -0.63 | -0.42 | -3.55 | -4.00 | 1.04 | 4.18 | 2.04 | 0.46 | 2.95 | 1.07 | -3.12 | -11.94 |
| CFO/OP | -23% | -34% | -194% | -150% | 53% | 136% | 86% | 44% | 105% | 42% | -41% | -254% |
Ratios
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9.48% | 8.19% | 9.86% | 9.86% | 11.96% | 9.73% | 11.91% | 11.08% | 11.53% | 13.14% | 10.60% | 8.68% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality - Gross NPA % |
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Documents
Announcements
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Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
6 May - Company confirms it is not a Large Corporate for FY2026-27.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
5 May - PUBLICATION OF AUDITED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED ON 31ST MARCH,2026
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Results-Financial Results For March 31, 2026(Audited)
4 May - Board approved FY2026 audited results; profit rose to ₹317.91 lakh and auditors were reappointed for FY2026-27.
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Board Meeting Outcome for Meeting Held On 04Th May, 2026
4 May - Board approved FY26 audited results, annual profit ₹317.91 lakh; reappointed internal and tax auditors for FY2026-27.
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Board Meeting Intimation for CONSIDERATION OF AUDITED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED ON 31ST MARCH 2026
24 Apr - Board meets on 4 May 2026 to consider audited Q4 and FY2026 financial results.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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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.