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  3. •

    Finance/Rental/Leasing
Nalin Lease Finance Limited

Nalin Lease Finance Limited

BBSE:NLFL
38.60
INR
-0.39
(-1.00%)
5.13EPS
7.60P/E
255.77MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
9.18
8.77
7.15
8.24
10.83
6.76
7.55
7.45
8.29
8.53
9.47
9.46
10.52
11.19
Basic EPS, GAAP
2
2.3
2.18
2.84
3.11
2.63
3.03
3.85
3.97
4.56
5.87
5.37
4.85
5.13
Free Cash Flow per Basic Share
7.82
-1.91
-1.29
-10.89
-12.26
1.82
6.15
3.11
0.61
4.51
1.63
-4.76
-18.71
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
0.49
- -
- -
- -
- -
- -
Book Value per Share
23.08
25.44
27.69
30.18
49.61
54.89
30.33
34.18
37.65
42.21
48.08
53.46
58.3
- -
Tangible Book Value per Share
23.08
25.44
27.69
30.18
49.61
54.89
30.33
34.18
37.65
42.21
48.08
53.46
58.3
- -
Basic Weighted Avg Shares
3
3
3
3
3
7
7
7
7
7
7
7
7
7
Sales/Revenue/Turnover
30
29
23
27
35
44
50
49
54
56
62
62
69
74
Operating Margin (%)
35.8
34.32
42.45
50.05
47.44
55.26
61.42
70.08
69.45
67.01
67.01
64.74
66.05
57.56
Depreciation Expense
- -
1
1
1
1
1
1
1
1
1
2
2
2
2
Net Income, GAAP
7
8
7
9
10
17
20
25
26
30
38
35
32
34
Effective Tax Rate (%)
29.99
28.54
35.26
32.18
28.27
26.92
28.11
23.7
25.86
25.13
25.55
20.41
23.13
22
Profit Margin (%)
21.83
26.25
30.43
34.49
28.68
38.85
40.17
51.7
47.86
53.47
61.98
56.81
46.08
45.84
Working Capital
64
78
86
62
118
133
195
174
242
189
183
240
286
- -
LT Debt
- -
- -
- -
18
1
- -
- -
- -
- -
4
7
1
5
- -
Total Equity
75
83
90
98
162
179
199
224
247
277
315
351
382
- -
Return on Invested Capital (%)
7.14
8.06
6.84
7.28
6.07
7.22
8.09
10.49
10.66
10.38
8.98
8.34
7.12
- -
Return on Capital (%)
8.81
8.09
6.92
7.39
5.83
7.24
8.34
10.78
11.12
11.17
12.35
10.54
8.39
- -
Return on Common Equity (%)
9.08
9.49
8.19
9.82
7.78
10.11
10.53
11.93
11.04
11.43
13
10.58
8.68
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
99
- -
LT Borrowings
- -
5
- -
LT Finance Leases
- -
1
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
313
251
256

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
395
- -
Cash, Cash Equivalents & STI
- -
11
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
109
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
99
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.42%
11.28%
9.07%
Free Cash Flow
121.68%
79.95%
292.68%
Net Income, GAAP
18.08%
5.7%
-9.77%
Sales/Revenue/Turnover
11.89%
7.28%
11.25%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
15
16
16
17
62
2026
16
16
18
18
69
2027
21
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.92
1.06
1.52
0.88
5.37
2026
1.41
1.16
1.14
1.13
4.85
2027
1.7
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Harsh Dilipkumar Gandhi
Full Time Employees
16
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Gandhi Nursing Home Building Himatnagar GU India 383001
IPO Date
Aug 29, 1995
Website
nalinfin.co.in
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Business
Nalin Lease Finance Ltd. is an India-based non-banking financial company (NBFC), classified as a non-systemically important non-deposit taking entity registered with the Reserve Bank of India. The company provides fund-based financial services, including gold loans against jewelry and ornaments; vehicle loans, particularly for two-wheelers; hire purchase financing; business loans; and leasing activities for movable and immovable assets. It primarily serves small businessmen, vendors, traders, farmers, salaried individuals, and customers in rural and semi-urban segments across districts such as Sabarkantha, Aravalli, Mehsana, and nearby areas in Gujarat. Founded on October 11, 1990, and headquartered at Gandhi Nursing Home Building, Dr. Nalinkant Gandhi Road, Himatnagar, Gujarat, the company operates with a lean workforce of approximately 15-17 employees and maintains investments in loans and securities. Recent financial performance reflects asset growth of 15.7% to Rs. 43.56 crore as of September 30, 2025, driven by expansions in loan portfolios and investments; quarterly profit for Q2 FY26 stood at Rs. 76.13 lakh despite a sequential dip, with half-year profit at Rs. 168.53 lakh and emphasis from Managing Director Harsh D. Gandhi on sustainable growth. The company held its 34th annual general meeting on September 13, 2025, approving director re-appointments and appointing a secretarial auditor, while reducing debt levels and trading near book value.