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Nalin Lease Finance Ltd

NSE: BSE: 531212

38.26

(-0.86%)

Tue, 07 Apr 2026, 05:40 am

Nalin Lease Finance Analysis

dividend

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Pros

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    Cons

    • 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.

    health

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    Pros

    • 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 is profitable, therefore cash runway is not a concern.
    • Nalin Lease Finance is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 3x debt.
    • Nalin Lease Finance's cash and other short term assets cover its long term commitments.
    • Interest payments on debt are well covered by earnings (EBIT is 3.1x coverage).
    • Low level of unsold assets.
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    Cons

    • Debt is not well covered by operating cash flow (11.6%, less than 20% of total debt).
    • The level of debt compared to net worth has increased over the past 5 years (0.3% vs 50.2% today).
    • Nalin Lease Finance's level of debt (50.2%) compared to net worth is high (greater than 40%).

    management

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    Pros

    • The tenure for the Nalin Lease Finance board of directors is about average.
    • Dilipkumar's remuneration is lower 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%.
    • The average tenure for the Nalin Lease Finance management team is over 5 years, this suggests they are a seasoned and experienced team.
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    Cons

      misc

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      Pros

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        Cons

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

        past

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        Pros

        • Nalin Lease Finance's 1-year earnings growth exceeds its 5-year average (35.5% vs 15%)
        • Nalin Lease Finance's year on year earnings growth rate has been positive over the past 5 years.
        • Nalin Lease Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
        • Nalin Lease Finance has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
        • Nalin Lease Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (35.5% vs 11%).
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        Cons

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

        value

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        Pros

        • Nalin Lease Finance is good value based on assets compared to the IN Consumer Finance industry average.
        • 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.
        • 531212 outperformed the Consumer Finance industry which returned -28.8% over the past year.
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        Cons

        • Nalin Lease Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
        • Nalin Lease Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
        • 531212 underperformed the Market in India which returned -14.5% over the past year.
        • BSE:531212 is down -18.3% underperforming the Consumer Finance industry which returned 10.3% over the past month.
        • BSE:531212 is down -18.3% underperforming the market in India which returned 8% over the past month.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800