Nalin Lease Finance Ltd.
BSE: NLFL · Non Banking Financial Company (NBFC)
Limited coverage
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Snapshot
Unlock Nalin Lease Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Nalin Lease Finance Limited is a Gujarat-based non-banking financial company specialising in asset financing for rural and semi-urban markets. The firm primarily provides two-wheeler loans and small-scale business financing to individuals and entrepreneurs with limited access to traditional banking.
Business Model
The company operates as a retail-focused lender, generating revenue through interest income on asset-backed loans. It maintains a localized operational model to ensure effective credit risk management and collection processes.
Growth Outlook
Growth is driven by the company's long-standing presence in its core geographic markets and the provision of customized repayment schedules. The firm continues to target the underserved rural and semi-urban segments to expand its retail loan portfolio.
Key Risks
- Credit Risk. The company faces potential defaults from its retail borrower base, particularly in the rural and semi-urban sectors where income streams can be volatile.
- Geographic Concentration. Operating primarily in Gujarat exposes the firm to regional economic downturns or localized market disruptions.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact capital adequacy and lending norms.
- Liquidity Risk. As a small-cap entity, the company may face challenges in accessing low-cost funding compared to larger, diversified financial institutions.
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Key Metrics
REVENUE
₹8 Cr
TTM · standalone
NET PROFIT
₹3 Cr
TTM · standalone
EPS
₹4.84
TTM · standalone
RETURN ON EQUITY
8.8%
TTM · standalone
P/E
7.9x
Q4 FY26 · standalone
NET PROFIT MARGIN
41.3%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Nalin Lease Finance Ltd.NLFL | ₹25 Cr | 7.93 | — | 8.2% | — | 8.8% | — | -23.2% |
Purple FinancePURPLEFIN | ₹431 Cr | -340.90 | — | 204.7% | — | -1.2% | — | +90.0% |
Moneyboxx Finance LimitedMONEYBOXX | ₹384 Cr | 225.00 | — | 5.9% | — | 0.5% | — | -66.4% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹380 Cr | 23.69 | — | 11.4% | — | 8.3% | — | -32.3% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹375 Cr | 14.97 | — | 22.0% | — | 3.6% | — | -21.6% |
Akme Fintrade (India) LimitedAFIL | ₹351 Cr | 7.56 | — | 40.5% | — | 11.0% | — | -14.8% |
As of Q4 FY26
Financials
Nalin Lease Finance Ltd.
BSE: NLFL · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Nalin Lease Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Nalin Lease Finance Limited is a Gujarat-based non-banking financial company specialising in asset financing for rural and semi-urban markets. The firm primarily provides two-wheeler loans and small-scale business financing to individuals and entrepreneurs with limited access to traditional banking.
Business Model
The company operates as a retail-focused lender, generating revenue through interest income on asset-backed loans. It maintains a localized operational model to ensure effective credit risk management and collection processes.
Growth Outlook
Growth is driven by the company's long-standing presence in its core geographic markets and the provision of customized repayment schedules. The firm continues to target the underserved rural and semi-urban segments to expand its retail loan portfolio.
Key Risks
- Credit Risk. The company faces potential defaults from its retail borrower base, particularly in the rural and semi-urban sectors where income streams can be volatile.
- Geographic Concentration. Operating primarily in Gujarat exposes the firm to regional economic downturns or localized market disruptions.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact capital adequacy and lending norms.
- Liquidity Risk. As a small-cap entity, the company may face challenges in accessing low-cost funding compared to larger, diversified financial institutions.
Start your research today
Unlock AI insights, financials, peers and live data on Nalin Lease Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹8 Cr
TTM · standalone
NET PROFIT
₹3 Cr
TTM · standalone
EPS
₹4.84
TTM · standalone
RETURN ON EQUITY
8.8%
TTM · standalone
P/E
7.9x
Q4 FY26 · standalone
NET PROFIT MARGIN
41.3%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26