Nalin Lease Finance Limited (531212) Fair Value & Analysis
Financial · IN · Market cap ₹137M
Fair value as of: Aug 13, 2026
From 7 valuation models · updated 5 days ago
Below-average quality, screening 59% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹47.26). The market is more pessimistic than our downside scenario.
- Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹17.51 – ₹99.88 · fair‑value band ₹47.26 – ₹78.77 · the ₹39.55 price screens below the ₹63.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Nalin Lease Finance Limited (531212) currently trades at ₹39.55, while our model-based Fair Value estimate is ₹63.02, implying the stock looks roughly 59.3% undervalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Nalin Lease Finance Limited generated revenue of ₹44.9M at a net margin of 38.7%. Revenue declined 19.8% year over year. Net debt stands at ₹102M. The stock trades on a trailing P/E of 10.4 (as of Jul 4, 2026). Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹47.26 (bear case) to ₹78.77 (bull case); at ₹39.55, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 34% below its 52-week high and 12% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -45% fair-value upside, at 59%, 531212 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: Multiples (₹63.02) versus DCF Models (₹25.38). Highest evidence: Residual Income (76).
Notify me when 531212 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 29
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Nalin Lease Finance Limited operates as a non-banking finance company in India. It offers gold loans, vehicle loans, business loans, and other loans. The company was incorporated in 1990 and is based in Himatnagar, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Nalin Lease Finance Limited reported revenue of ₹68.3M in FY2026 versus ₹56.0M in FY2022, a compound +5.1%/yr. Reported net income was ₹31.8M in FY2026, compounding +5.2%/yr from FY2022.
Watch 531212: get an alert when its fair value changes →
Peer Group
Credit Services · 334 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
Compare Nalin Lease Finance Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
Frequently asked questions
Is Nalin Lease Finance Limited (531212) overvalued or undervalued?
What is the fair value of 531212?
What is the quality score of 531212?
What is the revenue of Nalin Lease Finance Limited (531212)?
What is the net profit margin of 531212?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Nalin Lease Finance Limited and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.