Dashboard/NBIFIN

NBIFIN

UNDERVALUED

N. B. I. Industrial Finance Company Limited

Finance · NSE

↑ 78.8% vs fair value

52W Low

₹1,539

+11.8% from low

52W High

₹3,321

-48.2% from high

News sentiment (1 articles)

0 bull0 neutral1 bear

✦

Analyst Note

1d ago

NBIFIN trades at ₹1,720 against a fair value of ₹8,110.28, offering a significant 79.3% margin of safety with medium confidence, though flagged for thin data and sector-wide valuation discounts. The company shows exceptional momentum with 1,428% revenue growth and 1,825% earnings growth over one year, supported by cash-backed earnings quality and a strong Piotroski score of 8, though returns on equity (0.4%) and capital (0.3%) remain extremely weak. With a minuscule price-to-book ratio of 0.2 and market cap of just ₹493 Cr, this represents a highly speculative micro-cap play suited only for contrarian investors comfortable with significant execution risk and limited liquidity.

Valuation Gauge

UNDERVALUED+78.8% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹1,720

Fair Value

₹8,110

Fair Value Analysis

₹8,110

Based on balance sheet strength analysis and book value multiple for Finance sector companies | Sector-cheap: P/E at 77th percentile vs sector peers.

Medium confidence

Balance Sheet Value

39% weight

₹3,668

P/B Multiple

62% weight

₹10,887

Price vs Market

NBIFIN

Nifty 50

Technical Pulse

Plain English — no jargon

RSI 36.3Neutral

52-week range-24.1% from high

L 1,539H 2,198

20-day avg₹1,769▼ 5.7%

📍

Price PositionNeutral

Not enough price history to assess trend.

💪

Momentum (RSI)Oversold

RSI is 36 — oversold territory. Selling pressure is high but may be slowing.

📈

Short-term TrendNeutral

Insufficient data for short-term trend.

→Combined Verdict

Fundamentally undervalued with neutral momentum. Good value opportunity — momentum hasn't turned yet but fundamentals are strong.

Shareholding Pattern

Stock Health Score

Solid Fundamentals

6.1 / 10

Profitability

6/10

ROE of 0.4% is below the Finance sector benchmark of 18%

Debt & Leverage

5/10

Debt data unavailable — scored neutral

Valuation vs Peers

10/10

P/E of 30.6x trades at a 53% discount to Finance sector median (65x) — attractively valued

Cash Flow

7/10

Positive operating cash flow of ₹5 Cr — healthy for Finance sector

Earnings Growth

4/10

5yr EPS CAGR of 2.2% is well below Finance sector average of 23.9%

Dividend

4/10

Dividend yield of 0.0% is symbolic — low but positive

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

Revenue Growth (YoY)

+2373.2%

Year-on-year revenue change

Operating Cash Flow

₹5 Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹54.9

P/E Ratio

30.6x

P/B Ratio

0.2x

ROE

0.4%

ROCE

0.3%

Debt / Equity

—

Beta

0.18

Div Yield

FCF (Cr)

₹5 Cr

Revenue (Cr)

₹13 Cr

EPS Growth 5Y

2.2%

Mkt Cap (Cr)

₹493 Cr

52W High

₹3,320.9

52W Low

₹1,539

Book Value/Share

₹10,886.6

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	—	—	—	₹16 Cr	₹54.76
2025-03-31	—	—	—	₹8 Cr	₹28.70
2016-03-31	—	—	—	₹4 Cr	₹16.36

Compounded Growth Rates

Sales Growth

3Y—

5Y—

10Y—

Profit Growth

3Y—

5Y—

10Y—

EPS Growth

3Y—

5Y—

10Y—

Peer Comparison

Finance

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
NBIFIN N. B. I. Industrial Finance Company Limited	₹1,720	₹8,110.3	+78.8%	32.3	0.4%	UNDERVALUED
DHUNINV Dhunseri Investments Limited	₹757	₹3,224.5	+76.5%	20.6	0.8%	UNDERVALUED
CPCAP CP Capital Limited	₹88.1	₹335.3	+73.7%	3.7	6.3%	UNDERVALUED
GICHSGFIN GIC Housing Finance Limited	₹143.2	₹426.4	+66.4%	5.6	8.8%	UNDERVALUED
MUTHOOTCAP Muthoot Capital Services Limited	₹191.9	₹447.2	+57.1%	24.8	7.6%	UNDERVALUED
SAMMAANCAP Sammaan Capital Limited	₹147.1	₹284.1	+48.2%	8	5.7%	UNDERVALUED
REPCOHOME Repco Home Finance Limited	₹373.5	₹719.1	+48.1%	4.9	11.8%	UNDERVALUED
LICHSGFIN LIC Housing Finance Limited	₹516.5	₹928.6	+44.4%	5.2	13.0%	UNDERVALUED

Institutional Activity

Bulk deals, block deals, short selling & delivery volume — NSE data

Insider Trading

Community Pulse

What is Dalal Street saying?

r/IndiaInvestments · r/Dalal_Street_Investments · r/IndianStockMarket

No Reddit mentions found yet for NBIFIN.

StockTwits

What traders are saying right now

StockTwits

No StockTwits activity found for NBIFIN.

Search Interest

Google Trends · India · Last 90 days

Trends

Trend data not yet available — check back soon.

Telegram Channels

ET Markets · CNBC TV18 · Moneycontrol · Zee Business · NDTV Profit

No Telegram mentions found yet for NBIFIN.

5 articles

NBI Industrial Finance Company Ltd is Rated Sell - Markets Mojo

Google News: NBIFIN·2d ago

▼ BEARISH

N.B.I. Industrial Finance Closes Trading Window Ahead of FY 2026 Results - TipRanks

Google News: NBIFIN·13d ago

NBI Industrial Finance Company Ltd is Rated Sell - Markets Mojo

Google News: NBIFIN·16d ago

NBI Industrial Finance Company Ltd is Rated Sell - Markets Mojo

Google News: NBIFIN·16d ago

NBI Industrial Finance Company Ltd: Valuation Shifts Signal Renewed Price Attractiveness - Markets Mojo

Google News: NBIFIN·17d ago

Company Documents

Annual reports, concall transcripts & regulatory filings

📄

Annual Reports

Last 10 years of annual reports via Screener.in

↗🎙️

Concall Transcripts

Quarterly earnings call transcripts & investor presentations

↗🏛️

NSE Filings

Board meeting outcomes, shareholding patterns, corporate actions

↗📊

Balance Sheet & Cash Flow

10-year financial statements on Screener.in

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