BSE:531212

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Executive Summary

Nalin Lease Finance Limited operates as a non-banking finance company in India.


Snowflake Analysis

Solid track record and fair value.

Share Price & News

How has Nalin Lease Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 531212's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

9.8%

531212

2.7%

IN Consumer Finance

2.4%

IN Market


1 Year Return

n/a

531212

1.3%

IN Consumer Finance

5.1%

IN Market

Return vs Industry: Insufficient data to determine how 531212 performed against the Indian Consumer Finance industry.

Return vs Market: Insufficient data to determine how 531212 performed against the Indian Market.


Shareholder returns

531212IndustryMarket
7 Day9.8%2.7%2.4%
30 Day27.1%2.9%5.2%
90 Day-18.8%40.3%21.1%
1 Yearn/a4.1%1.3%7.0%5.1%
3 Year-47.3%-47.3%42.6%34.0%4.8%-0.2%
5 Year5.0%5.0%180.7%156.3%30.4%20.7%

Price Volatility Vs. Market

How volatile is Nalin Lease Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Nalin Lease Finance undervalued compared to its fair value and its price relative to the market?

3.98x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 531212 (₹14.7) is trading above our estimate of fair value (₹6.49)

Significantly Below Fair Value: 531212 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 531212 is good value based on its PE Ratio (4x) compared to the IN Consumer Finance industry average (11.1x).

PE vs Market: 531212 is good value based on its PE Ratio (4x) compared to the Indian market (14.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 531212's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 531212 is good value based on its PB Ratio (0.4x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

How is Nalin Lease Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Nalin Lease Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Nalin Lease Finance performed over the past 5 years?

15.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 531212 has high quality earnings.

Growing Profit Margin: 531212's current net profit margins (30.7%) are higher than last year (22.3%).


Past Earnings Growth Analysis

Earnings Trend: 531212's earnings have grown by 15% per year over the past 5 years.

Accelerating Growth: 531212's earnings growth over the past year (35.5%) exceeds its 5-year average (15% per year).

Earnings vs Industry: 531212 earnings growth over the past year (35.5%) exceeded the Consumer Finance industry -3.4%.


Return on Equity

High ROE: 531212's Return on Equity (9.6%) is considered low.


Next Steps

Financial Health

How is Nalin Lease Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 531212's short term assets (₹191.4M) exceed its short term liabilities (₹63.7M).

Long Term Liabilities: 531212's short term assets (₹191.4M) exceed its long term liabilities (₹5.2M).


Debt to Equity History and Analysis

Debt Level: 531212's debt to equity ratio (50.2%) is considered high.

Reducing Debt: 531212's debt to equity ratio has increased from 0.3% to 50.2% over the past 5 years.

Debt Coverage: 531212's debt is not well covered by operating cash flow (11.6%).

Interest Coverage: 531212's interest payments on its debt are well covered by EBIT (3.1x coverage).


Balance Sheet


Next Steps

Dividend

What is Nalin Lease Finance current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 531212's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 531212's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 531212's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 531212's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 531212's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.2yrs

Average management tenure


CEO

Dilipkumar Gandhi

20yrs

Tenure

₹1,640,000

Compensation

Mr. Dilipkumar Nalinkant Gandhi has been the Managing Director of Nalin Lease Finance Ltd. since August 1, 2000 and serves as its Executive Director.


CEO Compensation Analysis

Compensation vs Market: Dilipkumar's total compensation ($USD21.98K) is below average for companies of similar size in the Indian market ($USD49.39K).

Compensation vs Earnings: Dilipkumar's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Dilipkumar Gandhi
MD & Executive Director20yrs₹1.64m43.73%
₹ 42.2m
Nikulkumar Patel
CFO & Compliance Officer5.25yrs₹264.00k0.75%
₹ 727.6k
Pallaviben Gandhi
Whole-Time Directorno data₹1.28m8.57%
₹ 8.3m
Harsh Gandhi
Whole-Time Director10.08yrs₹1.16m1.23%
₹ 1.2m
Swati Shah
Company Secretary6.17yrs₹120.00kno data

6.2yrs

Average Tenure

Experienced Management: 531212's management team is seasoned and experienced (6.2 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Dilipkumar Gandhi
MD & Executive Director20yrs₹1.64m43.73%
₹ 42.2m
Pallaviben Gandhi
Whole-Time Directorno data₹1.28m8.57%
₹ 8.3m
Harsh Gandhi
Whole-Time Director10.08yrs₹1.16m1.23%
₹ 1.2m
Narendrakumar Shah
Non-Executive Independent Chairmanno datano data0.038%
₹ 36.7k
Navinchandra Soni
Non-Executive Independent Director10.08yrsno datano data
Samirkumar Shah
Non-Executive Independent Director5.33yrsno datano data

10.1yrs

Average Tenure

67yo

Average Age

Experienced Board: 531212's board of directors are seasoned and experienced ( 10.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 101%.


Top Shareholders

Company Information

Nalin Lease Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Nalin Lease Finance Limited
  • Ticker: 531212
  • Exchange: BSE
  • Founded: 1990
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹96.405m
  • Shares outstanding: 6.56m
  • Website: https://www.nalinfin.co.in

Number of Employees


Location

  • Nalin Lease Finance Limited
  • Gandhi Nursing Home Building
  • Ground Floor
  • Himatnagar
  • Gujarat
  • 383001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
531212BSE (Mumbai Stock Exchange)YesEquity SharesININRMay 2004

Biography

Nalin Lease Finance Limited operates as a non-banking finance company in India. It offers gold loans, vehicle loans, business loans, etc. The company also provides financial services comprising leasing and ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/12 12:37
End of Day Share Price2020/08/11 00:00
Earnings2019/12/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.