BSE:531212

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Solid track record and fair value.

Risks

  • Nalin Lease Finance has significant price volatility in the past 3 months.
  • Nalin Lease Finance is not covered by any analysts.

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


Market Performance


7 Day Return

-18.1%

BSE:531212

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-1.3%

BSE:531212

-3.2%

IN Consumer Finance

-14.7%

IN Market

531212 outperformed the Consumer Finance industry which returned -3.1% over the past year.

531212 outperformed the Market in India which returned -14.6% over the past year.


Share holder returns

531212IndustryMarket
7 Day-18.1%-3.6%-2.1%
30 Day-18.1%1.9%-3.9%
90 Day3.5%-10.2%-10.1%
1 Year-1.3%-1.3%-2.5%-3.2%-12.9%-14.7%
3 Year36.1%36.1%59.3%56.0%17.7%11.5%
5 Yearn/a233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?

3.42x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Nalin Lease Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Nalin Lease Finance to establish if it is available at substantial discount.


Price Based on Earnings

Nalin Lease Finance is good value based on earnings compared to the IN Consumer Finance industry average.

Nalin Lease Finance is good value based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Nalin Lease Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

Nalin Lease Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

-6.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Nalin Lease Finance is high growth as no revenue estimate data is available.

Nalin Lease Finance's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Nalin Lease Finance's revenue growth to the India market average as no estimate data is available.

Nalin Lease Finance's earnings are expected to decrease over the next 1-3 years, this is below the India market average.

Nalin Lease Finance's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Nalin Lease Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

16.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Nalin Lease Finance's year on year earnings growth rate has been positive over the past 5 years.

Nalin Lease Finance's 1-year earnings growth exceeds its 5-year average (42.5% vs 16.6%)

Nalin Lease Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (42.5% vs 15%).


Return on Equity

Nalin Lease Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Nalin Lease Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Nalin Lease Finance has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Nalin Lease Finance's financial position?


Financial Position Analysis

Nalin Lease Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Nalin Lease Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Nalin Lease Finance's level of debt (50.7%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (5.1% vs 50.7% today).

Operating cash flow is negative therefore debt is not well covered.

Interest payments on debt are well covered by earnings (EBIT is 3.1x coverage).


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 2.3x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Nalin Lease Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Nalin Lease Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Nalin Lease Finance has not reported any payouts.

Unable to verify if Nalin Lease Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Nalin Lease Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Nalin Lease Finance's salary, the management and board of directors tenure and is there insider trading?

9.1yrs

Average board tenure


CEO

Dilipkumar Gandhi 0

19.0yrs

Tenure

₹2,473,400

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

Dilipkumar's remuneration is higher than average for companies of similar size in India.

Dilipkumar's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

9.1yrs

Average Tenure

The tenure for the Nalin Lease Finance board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Dilipkumar Gandhi

    MD & Executive Director

    • Tenure: 19.0yrs
    • Compensation: ₹2.47m
  • Pallavi Gandhi

    Whole-Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹1.16m
  • Harsh Gandhi

    Whole-Time Director

    • Tenure: 9.1yrs
    • Compensation: ₹1.22m
  • Nikulkumar Patel

    Chief Financial Officer

    • Tenure: 4.3yrs
    • Compensation: ₹264.00k
  • Swati Shah

    Compliance Officer & Company Secretary

    • Tenure: 0.0yrs
    • Compensation: ₹120.00k

Board Members

  • Dilipkumar Gandhi

    MD & Executive Director

    • Tenure: 19.0yrs
    • Compensation: ₹2.47m
  • Pallavi Gandhi

    Whole-Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹1.16m
  • Narendrakumar Shah

    Non-Executive Independent Chairman

    • Tenure: 0.0yrs
  • Navinchandra Soni

    Non-Executive Independent Director

    • Tenure: 9.1yrs
  • Harsh Gandhi

    Whole-Time Director

    • Tenure: 9.1yrs
    • Compensation: ₹1.22m
  • Samirkumar Shah

    Non-Executive Independent Director

    • Tenure: 4.3yrs

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: ₹49.582m
  • Shares outstanding: 3.26m
  • Website: https://www.nalinfin.co.in

Number of Employees


Location

  • Nalin Lease Finance Limited
  • Gandhi Nursing Home Building
  • Ground floor
  • Sabarkantha
  • 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 was incorporated in 1990 and is based in Sabarkantha, I ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:37
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
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.