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N.B.I. Industrial Finance Company Ltd
(NBIFIN)
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Rating:64Neutral
Price Target:
₹2,109.00
▼(-5.55% Downside)
Action:Downgraded
Date:07/11/26
The score is driven primarily by strong financial performance (high profitability and no debt), partially offset by low ROE and variability in cash-flow realization. Technicals show a strong uptrend but with overbought signals (RSI ~81), increasing near-term risk. Valuation is a meaningful headwind given the elevated P/E with only a modest dividend yield.
Positive Factors
Debt-Free Balance Sheet
The absence of reported debt gives NBIFIN a conservative capital structure and reduces financial risk. Lower leverage can preserve flexibility for future investment or shareholder distributions, while limiting the direct burden of interest and refinancing obligations.
Negative Factors
Very Low Return on Equity
Extremely low ROE suggests that shareholder capital is producing limited reported returns despite the company’s strong margins. This weak capital efficiency can constrain the quality of earnings growth and may reduce the benefits shareholders receive from retained equity.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-Free Balance Sheet
The absence of reported debt gives NBIFIN a conservative capital structure and reduces financial risk. Lower leverage can preserve flexibility for future investment or shareholder distributions, while limiting the direct burden of interest and refinancing obligations.
Read all positive factors
N.B.I. Industrial Finance Company Ltd (NBIFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.84B
Dividend Yield0.04%
Average Volume (3M)1.95K
Price to Earnings (P/E)41.4
Beta (1Y)0.98
Revenue Growth8.77%
EPS Growth11.86%
CountryIN
Employees6
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)46.99
Shares Outstanding2,456,806
10 Day Avg. Volume4,682
30 Day Avg. Volume1,945
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 operates as a non-banking financial firm, with its primary activities centered around investments in equities and other securities, alongside providing various financial services. This entity was formerly ...
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 | 208.67M | 198.58M | 131.36M | 128.15M | 101.64M | 113.21M |
| Gross Profit | 187.12M | 198.58M | 110.98M | 112.69M | 87.80M | 104.97M |
| EBITDA | 185.07M | 166.97M | 108.56M | 107.06M | 78.82M | 108.71M |
| Net Income | 138.86M | 124.29M | 84.84M | 78.66M | 52.73M | 79.45M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 27.26B | 35.13B | 24.26B | 24.58B | 22.02B |
| Cash, Cash Equivalents and Short-Term Investments | 468.31M | 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 | -26.38B | 874.88M | 2.05B | 883.37M | 1.00B | 635.14M |
| Stockholders Equity | 26.38B | 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 Technical Analysis
Negative
2232.90
Price Trends
2085.38
Negative
2004.58
Negative
2015.67
Negative
Market Momentum
-20.83
Negative
42.86
Neutral
18.82
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:NBIFIN, the sentiment is Negative. The current price of 2232.9 is above the 20-day moving average (MA) of 1982.24, above the 50-day MA of 2085.38, and above the 200-day MA of 2015.67, indicating a bearish trend. The MACD of -20.83 indicates Negative momentum. The RSI at 42.86 is Neutral, neither overbought nor oversold. The STOCH value of 18.82 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:NBIFIN.
N.B.I. Industrial Finance Company Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹4.24B | 3.60 | ― | 0.59% | 21.36% | 140.06% | |
66 Neutral | ₹5.88B | 6.10 | ― | 0.31% | -12.59% | 1.11% | |
64 Neutral | ₹4.84B | 41.39 | ― | 0.04% | 8.77% | 11.86% | |
60 Neutral | ₹7.34B | 15.22 | ― | 0.63% | -4.48% | 134.30% | |
56 Neutral | ₹8.04B | 280.71 | ― | ― | 2.43% | -11.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹4.92B | 14.95 | ― | ― | -20.72% | -15.18% |
* General Sector Average
IN:NBIFIN
N.B.I. Industrial Finance Company Ltd
1,945.00
-604.70
-23.72%
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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.