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N.B.I. Industrial Finance Company (NBIFIN) Fair Value & Analysis

Financial Services · IN · Market cap ₹5.5B

NB N.B.I. Industrial Finance Company NBIFIN · NSE
Price₹1,865
Fair Value₹715.09
Upside-61.7%
Quality57/100
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Evidence: High Range ₹536.32 – ₹893.86

Fair value as of: Jul 3, 2026

From 26 valuation models · updated today

Share price +2.9% over the past month.

Price vs Fair Value (12 months)

₹2,924 ₹1,557 Fair Value ₹715.09 Jul 2025 Jul 2026

12‑month range ₹1,557 – ₹2,924 · fair‑value band ₹536.32 – ₹893.86 · the ₹1,865 price screens above the ₹715.09 fair value. As of Jul 3, 2026.

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Analysis

N.B.I. Industrial Finance Company (NBIFIN) currently trades at ₹1,865, while our model-based Fair Value estimate is ₹715.09 — implying the stock looks roughly 61.7% overvalued today. We read business quality at 57/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, N.B.I. Industrial Finance Company generated revenue of ₹199M at a net margin of 62.6%. Revenue declined 90.0% year over year. It earns a return on equity of 0.4%. The balance sheet holds a net cash position of ₹19.7M. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹199M
Revenue growth (YoY) -90.0%
Net margin 62.6%
Return on equity 0.4%
Free cash flow ₹51.0M FY2026
P/E ratio 44.3
More key figures
Operating margin 27.3%
EPS (TTM) ₹42.12
Dividend yield 0.0%
EPS growth (YoY) -96.8%
Net cash ₹19.7M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

About the company

N.B.I. Industrial Finance Company Limited, a non-banking financial company, engages in the investing in shares, securities, and financial activities in India. The company was formerly known as The New Bank of India Limited and changed its name to N.B.I. Industrial Finance Company Limited in May 1951. The company was incorporated in 1936 and is based in Kolkata, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

N.B.I. Industrial Finance Company reported revenue of ₹199M in FY2026 versus ₹113M in FY2022, a compound +15.1%/yr. Reported net income was ₹124M in FY2026, compounding +11.8%/yr from FY2022.

Revenue +15.1%/yr
FY22 ₹113M
FY23 ₹102M
FY24 ₹128M
FY25 ₹131M
FY26 ₹199M
Net income +11.8%/yr
FY22 ₹79.4M
FY23 ₹52.7M
FY24 ₹78.7M
FY25 ₹84.8M
FY26 ₹124M

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Frequently asked questions

Is N.B.I. Industrial Finance Company (NBIFIN) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹715.09 versus a price of ₹1,865 — about −62% (overvalued). Model-based estimate, not financial advice.
What is the fair value of NBIFIN?
Our model-based fair value for N.B.I. Industrial Finance Company is ₹715.09 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹1,865.
What is the quality score of NBIFIN?
N.B.I. Industrial Finance Company has a Quality Score of 57/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of N.B.I. Industrial Finance Company (NBIFIN)?
N.B.I. Industrial Finance Company reported trailing-twelve-month revenue of about ₹199M (latest available figure, as of Jul 3, 2026).
What is the net profit margin of NBIFIN?
The net profit margin of N.B.I. Industrial Finance Company is about 62.6%, meaning it keeps roughly 62.6% of revenue as net income. Based on the latest reported figures.
Does N.B.I. Industrial Finance Company pay a dividend?
N.B.I. Industrial Finance Company currently shows a dividend yield of about 0.04% relative to its recent price (as of Jul 3, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.