N.B.I. Industrial Finance Company Ltd (IN:NBIFIN)
:NBIFIN
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N.B.I. Industrial Finance Company Ltd
(NBIFIN)
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Rating:63Neutral
Price Target:
₹2,238.00
▲(0.23% Upside)
Action:ReiteratedDate:04/18/26
The score is primarily supported by strong reported margins and minimal leverage, but held back by low ROE and historical volatility in revenue and cash flow. Technicals show strong near-term momentum but are overbought and still below the 200-day average, while valuation looks somewhat expensive with only a moderate dividend yield.
Positive Factors
High Profit Margins
Sustained net margins above ~50% over multiple recent years indicate a highly profitable business model or niche with strong pricing power and low variable cost exposure. Over a 2–6 month horizon this supports durable earnings resilience even if revenues fluctuate, enabling reinvestment or buffer for downturns.
Negative Factors
Very Low ROE
ROE well below 1% indicates poor capital efficiency and that equity base is not being effectively deployed to generate returns. Over months this limits shareholder value creation and constrains the firm's ability to compound profits, raising questions about long-term growth and capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profit Margins
Sustained net margins above ~50% over multiple recent years indicate a highly profitable business model or niche with strong pricing power and low variable cost exposure. Over a 2–6 month horizon this supports durable earnings resilience even if revenues fluctuate, enabling reinvestment or buffer for downturns.
Read all positive factors
N.B.I. Industrial Finance Company Ltd (NBIFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹5.09B
Dividend Yield0.02%
Average Volume (3M)231.00
Price to Earnings (P/E)25.4
Beta (1Y)1.26
Revenue Growth160.29%
EPS Growth134.48%
CountryIN
Employees5
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)21.95
Shares Outstanding2,456,806
10 Day Avg. Volume280
30 Day Avg. Volume231
Financial Highlights & Ratios
PEG Ratio-6.82
Price to Book (P/B)0.18
Price to Sales (P/S)45.54
P/FCF Ratio120.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
N.B.I. Industrial Finance Company Ltd Business Overview & Revenue Model
Company Description
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....
How the Company Makes Money
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N.B.I. Industrial Finance Company Ltd Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 144.29M | 131.36M | 128.15M | 101.64M | 113.21M | 14.72M |
| Gross Profit | 122.28M | 110.98M | 112.69M | 87.80M | 104.97M | 8.04M |
| EBITDA | 128.25M | 108.56M | 107.06M | 78.82M | 108.71M | 5.67M |
| Net Income | 100.31M | 84.84M | 78.66M | 52.73M | 79.45M | 16.14M |
Balance Sheet | ||||||
| Total Assets | 34.06B | 35.13B | 24.26B | 24.58B | 22.02B | 26.65B |
| Cash, Cash Equivalents and Short-Term Investments | 7.99M | 4.25M | 332.15M | 9.24M | 65.27M | 465.02M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.89B | 2.05B | 883.37M | 1.00B | 635.14M | 1.23B |
| Stockholders Equity | 32.17B | 33.08B | 23.38B | 23.58B | 21.39B | 25.41B |
Cash Flow | ||||||
| Free Cash Flow | 40.87M | 49.68M | 56.81M | 57.45M | 79.01M | 1.35M |
| Operating Cash Flow | 40.87M | 49.68M | 56.81M | 57.45M | 79.01M | 1.43M |
| Investing Cash Flow | -37.42M | -47.47M | -55.70M | -118.16M | -386.85M | 362.55M |
| Financing Cash Flow | -1.48M | -1.23M | -983.00K | 1.00K | 3.00K | 0.00 |
N.B.I. Industrial Finance Company Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹5.17B | 8.12 | ― | 0.93% | 18.27% | 19.34% | |
63 Neutral | ₹5.09B | 25.40 | ― | 0.02% | 160.29% | 134.48% | |
63 Neutral | ₹4.99B | 7.07 | ― | 0.49% | 14.83% | 24.17% | |
60 Neutral | ₹7.35B | 14.11 | ― | 0.52% | -60.95% | -63.72% | |
59 Neutral | ₹5.88B | 13.06 | ― | ― | -4.98% | -26.33% | |
58 Neutral | ₹7.77B | 45.88 | ― | 0.53% | -23.04% | -49.08% |
* Financial Sector Average
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N.B.I. Industrial Finance Company Ltd Corporate Events
N.B.I. Industrial Finance Closes Trading Window Ahead of FY 2026 Results
Mar 24, 2026
N.B.I. Industrial Finance Company Ltd. has announced that its trading window for dealing in the company’s securities will be closed from April 1, 2026, until 48 hours after the declaration of its financial results for the fourth quarter and ...
N.B.I. Industrial Finance Overhauls Governance and Amends Charter as Q3 FY26 Results Cleared
Jan 27, 2026
N.B.I. Industrial Finance Company Ltd’s board has approved amendments to its Memorandum of Association to align the company’s constitutional documents with the Companies Act, 2013, indicating a move to modernize its corporate framework...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.