Nalin Lease Finance Ltd - Stock Valuation and Financial Performance

BSE: 531212 | NSE: | Finance - NBFC | Small Cap

Nalin Lease Finance Share Price

47.30 0.89 1.92%
as on 12-Apr'24 10:16

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Nalin Lease Finance stock performance -

mw4me loader
P/E Ratio (SA):
8.52
Market Cap:
29.8 Cr.
52-wk low:
29
52-wk high:
72.5

Is Nalin Lease Finance Ltd an attractive stock to invest in?

1. Is Nalin Lease Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Nalin Lease Finance Ltd is a below average quality company.

2. Is Nalin Lease Finance Ltd undervalued or overvalued?

The key valuation ratios of Nalin Lease Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Nalin Lease Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Nalin Lease Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Nalin Lease Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Nalin Lease Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)32.92.32.73.54.554.95.65.86
YoY Gr. Rt. %--4.4%-18.5%15.5%31.2%26.6%11.4%-1.8%14.5%3.2%-
Adj EPS (₹ ) 22.32.22.83.12.633.944.65.3
YoY Gr. Rt. %-15%-5.2%30.3%9.5%-15.4%15.2%27.1%3.1%14.9%-
BVPS (₹ )23.125.427.730.233.327.330.334.237.742.246.6
YoY Gr. Rt. %-10.2%8.8%9%10.3%-18%11.1%12.7%10.2%12.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)6.97.86.67.66.38810.410.510.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income7.6%10.4%5.1%3.2%
Adj EPS9.6%8%14.6%14.9%
BVPS6.9%4.9%11.7%12.1%
Share Price 16% 27.6% 36.4% 36%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)21.826.330.434.528.738.54051.646.551.858.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.19.58.29.89.81210.511.91111.411.5

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 12.00%

Total Income has increased 5.09 CAGR in last 3 years

Net Profit has increased 14.60 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

No data to display

Latest Financials - Nalin Lease Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 5.3 -
TTM Sales (₹ Cr.) 6 -
BVPS (₹.) 46.6 -
Reserves (₹ Cr.) 24 -
P/BV 0.98 -
PE 8.52 -
From the Market
52 Week Low / High (₹) 29.03 / 72.46
All Time Low / High (₹) 2.30 / 72.46
Market Cap (₹ Cr.) 29.8
Equity (₹ Cr.) 6.6
Face Value (₹) 10
Industry PE 32.5

Management X-Ray of Nalin Lease Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Nalin Lease Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income3.162.982.442.733.544.495.2855.985.97
Interest Income2.992.862.332.693.534.474.984.895.605.78
Other Income 0.170.120.110.040.010.020.300.110.390.19
Expenditure 2.191.931.341.362.122.142.511.692.481.98
Interest Expense 0.230.040.030.140.840.950.790.100.120.10
Operating Expenses 1.881.791.221.101.051.111.271.491.551.77
Provisions 0.080.100.100.120.220.080.460.090.810.11
Exceptional Items -0.03000-0.0100000
Profit Before Tax 0.931.051.101.371.412.362.773.313.514
Taxes 0.280.300.390.440.400.630.780.780.911
Profit After Tax 0.650.750.710.931.011.721.992.522.602.99
Adjusted EPS (₹)2.02.32.22.83.12.63.03.94.04.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%13%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital7.538.309.039.8410.8617.9019.8922.4224.6927.68
Share Capital 3.263.263.263.263.266.566.566.566.566.56
Reserves 4.275.045.776.587.6011.3513.3415.8618.1321.13
Minority Interest0000000000
Long Term Borrowings0000.010.01-0.02-0.03-0.06-0.02-0.02
Current Liabilities 0.712.761.453.977.666.565.221.101.402.64
Trade Payables0000000000
Short term borrowings0.392.431.013.767.386.154.380.160.451.54
Other Liabilities-0.39-2.43-1.01-3.76-7.38-6.15-4.38-0.16-0.45-1.54
Total Liabilities 8.2411.0610.4813.8318.5324.4425.0923.4626.0730.31

Assets

Non Current Asset 1.090.550.463.634.300.480.340.240.521.39
Loan Asset 0000000000
Other Non Current Asset 1.090.550.463.634.300.480.340.240.521.39
Current Asset 7.1510.5210.0210.2014.2323.9624.7423.2125.5528.92
Current Investment00000000.771.024.57
Other Current Asset7.1510.5210.0210.2014.2323.9624.7422.4424.5424.35
Total Assets 8.2411.0610.4813.8318.5324.4425.0923.4626.0730.31

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 2.76-0.29-0.41-3.54-41.204.032.090.783.65
Cash Flow From Investing Activity -0.590.40-0.010.030.040.040.49-0.82-0.56-4.27
Cash Flow From Financing Activity -3.122.04-1.422.753.63-1.24-1.77-4.21-0.031.09
Net Cash Flow -0.952.15-1.84-0.76-0.3302.76-2.940.180.48
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)2223333445
DPS (₹)0000000100
BVPS (₹)23252830332730343842

Performance Ratios

ROA (%)6.97.86.67.66.38.08.010.410.510.6
ROE (%)9.19.58.29.89.812.010.511.911.011.4
ROCE (%)12.711.710.812.814.215.614.714.615.215.1

Valuation Parameters

Price/Book(x)0.50.00.40.30.60.50.80.60.90.8

Nalin Lease Finance Ltd Stock News

Nalin Lease Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Nalin Lease Finance on 12-Apr-2024 10:16 is ₹47.30.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Apr-2024 10:16 the market cap of Nalin Lease Finance stood at ₹29.83.
The latest P/E ratio of Nalin Lease Finance as of 12-Apr-2024 10:16 is 8.52.
The latest P/B ratio of Nalin Lease Finance as of 12-Apr-2024 10:16 is 0.98.
The 52-week high of Nalin Lease Finance is ₹72.46 and the 52-week low is ₹29.03.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Nalin Lease Finance is ₹5.98 ( Cr.) .

About Nalin Lease Finance Ltd

Nalin Lease Finance was incorporated on October 11, 1990 as a private company under the Companies Act, 1956. It was converted into a public company vide a special resolution passed on September 1, 1994 and changed its name on October 8, 1994.

Leasing and hire purchase activities of the company include providing finance for vehicles, mainly two wheelers, in the Sabarkantha district of Gujarat. The company expanded its operations in FY '07 to other districts including Banaskantha, Mehasana, Kheda and the nearby Ahmedabad district.

The registered office of the company is located at Gandhi Nursing Home Building, Dr Nalinkant Gandhi Road, Himmatnagar 383001, Gujarat.

Business area of the company

The company is engaged in investments, leasing and hire purchase activities.

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