High Net MarginsSustained net margins above ~50% (2022–2025) indicate enduring profitability and pricing or cost advantages in core activities. High margins provide a durable earnings cushion, supporting reinvestment or distributions and improving resilience through economic cycles.

Minimal Leverage / Debt-light Balance SheetAn essentially debt-free balance sheet meaningfully reduces financial risk and interest burden, giving management durable flexibility to fund operations, absorb shocks, or pursue opportunities without near-term refinancing pressure—enhances long-term solvency.

Strong Cash ConversionOperating cash flow materially exceeding net income in the latest period signals earnings quality and internal funding capacity. Reliable cash conversion supports sustainable operations and reduces dependence on external financing for growth or capital needs.

Bears Say

Very Low ROE / Weak Capital EfficiencyROE well below 1% shows the company struggles to convert equity into profitable growth, limiting shareholder value creation. Persistently low capital efficiency constrains the company’s ability to scale returns and makes new equity or retained earnings a poor engine for expansion.

Volatile Revenue And Cash Flow TrendsMulti-year volatility — revenue decline in 2022 and uneven free cash flow through 2022–2024 — undermines predictability of earnings and lending/investment decisions. For an NBFC, inconsistent cash generation increases funding and provisioning uncertainty over the medium term.

Balance Sheet Step-changes Add UncertaintyMaterial year-to-year shifts in equity and assets create opacity around the stability of the balance sheet and the drivers of growth. Such structural swings raise governance and execution risk and complicate capital planning and stress testing over the coming months.

N.B.I. Industrial Finance Company Ltd News

N.B.I. Industrial Finance Overhauls Governance and Amends Charter as Q3 FY26 Results Cleared

The latest announcement is out from N.B.I. Industrial Finance Company Ltd ( ($IN:NBIFIN) ). N.B.I. Industrial Finance Company...

27d ago

N.B.I. Industrial Finance Company Ltd Conducts 90th AGM, Ensures Compliance and Transparency

N.B.I. Industrial Finance Company Ltd ( ($IN:NBIFIN) ) has shared an announcement. N.B.I. Industrial Finance Company Ltd held...

6M ago

NBIFIN FAQ

What was N.B.I. Industrial Finance Company Ltd’s price range in the past 12 months?

N.B.I. Industrial Finance Company Ltd lowest stock price was ₹1850.00 and its highest was ₹3320.90 in the past 12 months.

What is N.B.I. Industrial Finance Company Ltd’s market cap?

N.B.I. Industrial Finance Company Ltd’s market cap is ₹4.79B.

When is N.B.I. Industrial Finance Company Ltd’s upcoming earnings report date?

N.B.I. Industrial Finance Company Ltd’s upcoming earnings report date is May 21, 2026 which is in 87 days.

How were N.B.I. Industrial Finance Company Ltd’s earnings last quarter?

N.B.I. Industrial Finance Company Ltd released its earnings results on Feb 17, 2026. The company reported ₹21.954 earnings per share for the quarter, beating the consensus estimate of N/A by ₹21.954.

Is N.B.I. Industrial Finance Company Ltd overvalued?

According to Wall Street analysts N.B.I. Industrial Finance Company Ltd’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does N.B.I. Industrial Finance Company Ltd pay dividends?

N.B.I. Industrial Finance Company Ltd pays a Annually dividend of ₹0.5 which represents an annual dividend yield of 0.02%. See more information on N.B.I. Industrial Finance Company Ltd dividends here

What is N.B.I. Industrial Finance Company Ltd’s EPS estimate?

N.B.I. Industrial Finance Company Ltd’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does N.B.I. Industrial Finance Company Ltd have?

N.B.I. Industrial Finance Company Ltd has 2,456,806 shares outstanding.

What happened to N.B.I. Industrial Finance Company Ltd’s price movement after its last earnings report?

N.B.I. Industrial Finance Company Ltd reported an EPS of ₹21.954 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.661%.

Which hedge fund is a major shareholder of N.B.I. Industrial Finance Company Ltd?

Currently, no hedge funds are holding shares in IN:NBIFIN

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

N.B.I. Industrial Finance Company Ltd

N.B.I. Industrial Finance Company Limited, a non-banking financial company, engages in the investing in shares and securities, and financial activities. The company was formerly known as The New Bank of India Limited and changed its name to N.B.I. Industrial Finance Company Limited in May 1951. N.B.I. Industrial Finance Company Limited was incorporated in 1936 and is based in Kolkata, India.