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:66Neutral
Price Target:
₹2,101.00
▼(-5.91% Downside)
Action:Reiterated
Date:05/18/26
The score is driven primarily by solid financial performance—high profitability and zero debt—tempered by low ROE and some volatility in growth and cash conversion. Technicals are mixed-to-weak with the stock below key longer-term moving averages, while valuation appears moderate with a modest dividend yield.
Positive Factors
High and sustainable margins
The company reports persistently very high net and operating margins over multiple years, indicating a structurally profitable business model and strong pricing or low operating cost base. High margins provide durable earnings power and cushion against cyclical revenue pressure, supporting reinvestment and stakeholder returns.
Negative Factors
Very low return on equity
ROE near zero indicates the firm is generating minimal returns on equity despite positive margins and no leverage, signaling weak capital efficiency. Over the medium term this limits shareholder value creation, constrains growth funded by retained earnings, and raises questions about asset deployment effectiveness.
Read all positive and negative factors
Positive Factors
Negative Factors
High and sustainable margins
The company reports persistently very high net and operating margins over multiple years, indicating a structurally profitable business model and strong pricing or low operating cost base. High margins provide durable earnings power and cushion against cyclical revenue pressure, supporting reinvestment and stakeholder returns.
Read all positive factors
N.B.I. Industrial Finance Company Ltd (NBIFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.61B
Dividend Yield0.02%
Average Volume (3M)231.00
Price to Earnings (P/E)37.6
Beta (1Y)1.29
Revenue Growth0.18%
EPS Growth-0.09%
CountryIN
Employees5
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)48.17
Shares Outstanding2,456,806
10 Day Avg. Volume280
30 Day Avg. Volume231
Financial Highlights & Ratios
PEG Ratio0.81
Price to Book (P/B)0.18
Price to Sales (P/S)23.56
P/FCF Ratio91.74
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
NBIFIN primarily makes money through net interest income and fee-based income typical of an NBFI model. (1) Interest income: The company earns interest on financing it provides to customers (e.g., loans/leases/term finance depending on its product...
N.B.I. Industrial Finance Company Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 144.29M | 198.58M | 131.36M | 128.15M | 101.64M | 113.21M |
| Gross Profit | 122.28M | 198.58M | 110.98M | 112.69M | 87.80M | 104.97M |
| EBITDA | 128.25M | 166.97M | 108.56M | 107.06M | 78.82M | 108.71M |
| Net Income | 100.31M | 124.29M | 84.84M | 78.66M | 52.73M | 79.45M |
Balance Sheet | ||||||
| Total Assets | 34.06B | 27.26B | 35.13B | 24.26B | 24.58B | 22.02B |
| Cash, Cash Equivalents and Short-Term Investments | 7.99M | 19.67M | 4.25M | 332.15M | 9.24M | 65.27M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.89B | 874.88M | 2.05B | 883.37M | 1.00B | 635.14M |
| Stockholders Equity | 32.17B | 26.38B | 33.08B | 23.38B | 23.58B | 21.39B |
Cash Flow | ||||||
| Free Cash Flow | 40.87M | 51.01M | 49.68M | 56.81M | 57.45M | 79.01M |
| Operating Cash Flow | 40.87M | 60.06M | 49.68M | 56.81M | 57.45M | 79.01M |
| Investing Cash Flow | -37.42M | -52.24M | -47.47M | -55.70M | -118.16M | -386.85M |
| Financing Cash Flow | -1.48M | -1.48M | -1.23M | -983.00K | 1.00K | 3.00K |
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 | ₹4.61B | 37.65 | ― | 0.02% | 0.18% | -0.09% | |
62 Neutral | ₹5.11B | -57.61 | ― | 0.24% | -47.37% | -126.15% | |
60 Neutral | ₹4.19B | 8.25 | ― | 0.57% | -7.15% | 76.57% | |
60 Neutral | ₹7.05B | 14.11 | ― | 0.52% | -60.95% | -63.72% | |
54 Neutral | ₹5.13B | 15.82 | ― | ― | -17.34% | -29.23% | |
53 Neutral | ₹6.58B | -977.73 | ― | ― | -2.95% | -13.04% |
* 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 ...
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.