High Profit MarginsSustained net margins above ~50% indicate durable pricing power or a capital-light business model that can generate high profitability per unit of revenue. This margin cushion supports cash flow resilience, funds reinvestment or distributions, and helps the company absorb cyclical revenue variability over months to years.

Debt-light Balance SheetEssentially no debt materially lowers financial leverage and interest burden, preserving financial flexibility. For an NBFC, minimal leverage reduces default and refinancing risk, enabling the firm to fund operations internally, pursue discretionary investments, or withstand funding stress without eroding long-term solvency.

Positive Recent Cash GenerationOperating cash flow materially exceeding net income in the latest period signals good cash conversion, improving self-funding capacity. Reliable cash generation supports capital allocation choices, reduces dependence on external financing, and underpins sustainable operations and potential shareholder returns over a multi-quarter horizon.

Bears Say

Very Low Return On EquityROE well below 1% indicates severe capital inefficiency: equity is not producing commensurate earnings. Over months this limits shareholder return potential, constrains internal growth funding, and raises questions about management's capital allocation and the sustainability of current business scale without structural changes.

Volatile Revenue And Cash FlowsHistory of revenue declines (notably 2022), a weak 2021 base, negative operating cash flow in 2020 and uneven free cash flow through 2022–2024 show persistent volatility. Such swings make forecasting, credit underwriting and reinvestment planning harder, raising structural business risk for the next several quarters.

Small Scale And Low LiquidityA tiny workforce and very low average trading volume point to limited operational scale and thin market liquidity. This constrains capacity to scale lending, diversify risk, invest in controls or attract institutional counterparties, creating structural execution and market-access risks over months to years.

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...

29d 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 ₹1805.10 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 85 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.