Nalin Lease Finance Limited (531212) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Nalin Lease Finance Limited ₹48.78, price ₹38.40, upside +27.0%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹23.37 – ₹99.88 · fair‑value band ₹46.55 – ₹54.21 · the ₹38.40 price screens below the ₹48.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
Stock analysis
Nalin Lease Finance Limited (531212) currently trades at ₹38.40, while our model-based Fair Value estimate is ₹48.78, implying the stock looks roughly 21.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹63.02 per share, and 6 of the 7 models we run sit above the ₹38.40 price.
Bear case: the Earnings-Based group reads lowest at ₹34.03, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹46.55 (bear) to ₹54.21 (bull), the price of ₹38.40 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
Key figures
Market cap ₹252M (≈ $2.6M) · P/E ratio 10.4 · P/S ratio 4.85 · EPS (TTM) ₹2.65 · Net margin 46.6% · Return on assets (EBIT) 13.6% · Operating margin 76.6% · Revenue (TTM) ₹44.9M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at 10% fair-value upside, at 27%, 531212 screens cheaper than that median.
Fair Value models
Bear ₹46.55Fair Value ₹48.78Bull ₹54.21
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹1.35 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+0.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Start year 2021 (pandemic). Over 10 years: +11.0% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.6%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+4.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.7% vs 5.5%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.84% → 57%
Compare Nalin Lease Finance Limited with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 325 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Below median
Fair Value upside+27.0% · Above median
Profitability
Return on assets9.5% · Top 25%
Net margin (TTM)38.7% · Above median
Operating margin (TTM)76.6% · Top 25%
Growth and dividend
Revenue growth−19.8% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.27× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Nalin Lease Finance Limited (531212) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹48.78 versus a price of ₹38.40, about +27% upside (undervalued).
What is the fair value of 531212?
Our model-based fair value for Nalin Lease Finance Limited is ₹48.78 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹38.40.
What is the quality score of 531212?
Nalin Lease Finance Limited has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Nalin Lease Finance Limited (531212)?
Our model-based price target is the fair value of ₹48.78 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario ₹46.55, optimistic scenario ₹54.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Nalin Lease Finance Limited stock forecast for 2026?
Our models put fair value at ₹48.78, about +27% upside versus a price of ₹38.40 (undervalued). Cautious scenario ₹46.55, optimistic scenario ₹54.21. The calculation is refreshed regularly with new filings.
What is the revenue of Nalin Lease Finance Limited (531212)?
Nalin Lease Finance Limited reported trailing-twelve-month revenue of about ₹44.9M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Nalin Lease Finance Limited (531212)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Nalin Lease Finance Limited it is ₹48.78 per share (as of Sep 27, 2026), against a price of ₹38.40. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Nalin Lease Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 531212 trades below its calculated fair value: price ₹38.40, fair value ₹48.78, a gap of about +27% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 531212?
No. The price is what the market pays today (₹38.40); the fair value is what the company's own numbers justify (₹48.78). For Nalin Lease Finance Limited the two are ₹10.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Nalin Lease Finance Limited worth?
The market values Nalin Lease Finance Limited at about ₹252M (market capitalisation, as of Sep 27, 2026). Per share that is ₹38.40; our models calculate a fair value of ₹48.78 per share.
What do the bullish and bearish scenarios say about 531212?
Our models span a range for Nalin Lease Finance Limited: cautious scenario ₹46.55, base ₹48.78, optimistic ₹54.21 per share (as of Sep 27, 2026, price ₹38.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 531212?
Nalin Lease Finance Limited trades at a price-to-earnings ratio of 10.4 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹48.78 is built from several models across several years. Other multiples: P/B 0.7, P/S 5.6, EV/EBITDA 9.9.
How solid is the balance sheet of Nalin Lease Finance Limited (531212)?
Balance-sheet figures for Nalin Lease Finance Limited (as of Sep 27, 2026): debt of 0.27 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 531212 from its 52-week high?
Nalin Lease Finance Limited trades at ₹38.40, about 30% below its 52-week high of ₹55.08 and 6% above the low of ₹36.36 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹48.78 is for.
Which stocks are comparable to Nalin Lease Finance Limited?
From the same area (Financial) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Nalin Lease Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹38.40, calculated fair value ₹48.78 (+27%), Quality Score 45/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 531212 calculated?
We run Nalin Lease Finance Limited through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹48.78, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Nalin Lease Finance Limited currently trades 21 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Nalin Lease Finance Limited (531212)?
The closing price on Oct 1, 2026 was ₹38.40. Our model-based fair value is ₹48.78, about +27% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Nalin Lease Finance Limited right now?
The price is below even our cautious bear case (₹46.55). The market is more pessimistic than our downside scenario. Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Nalin Lease Finance Limited
How large is the market capitalisation of Nalin Lease Finance Limited (531212)?
The market capitalisation of Nalin Lease Finance Limited is ₹252M (≈ $2.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Nalin Lease Finance Limited (531212)?
The price-to-sales ratio of Nalin Lease Finance Limited is 4.85 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Nalin Lease Finance Limited (531212)?
Earnings per share at Nalin Lease Finance Limited are ₹2.65 (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Nalin Lease Finance Limited (531212)?
The net margin of Nalin Lease Finance Limited is 46.6% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Nalin Lease Finance Limited (531212)?
On an EBIT basis the return on assets of Nalin Lease Finance Limited is 13.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Nalin Lease Finance Limited (531212)?
The operating margin of Nalin Lease Finance Limited is 76.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Nalin Lease Finance Limited (531212)?
Revenue at Nalin Lease Finance Limited is growing −19.8% versus a year earlier (3y avg +5.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Nalin Lease Finance Limited (531212)?
Earnings per share at Nalin Lease Finance Limited are growing −76.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Nalin Lease Finance Limited (531212) generate?
The free cash flow of Nalin Lease Finance Limited is −₹123M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Nalin Lease Finance Limited (531212) carry?
The net debt of Nalin Lease Finance Limited is ₹102M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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