N.B.I. Industrial Finance Co. Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 50.4% CAGR over last 5 years
- Asset quality is healthy - gross NPA of just 0.0%
- Company has delivered good sales growth of 55.8% CAGR over last 5 years
- Operating margins have improved to 84.1% from 77.7%
- Stock looks reasonably valued - P/E of 43.0 is below its historical median
- Company generates healthy free cash flow
CONS
- Company has a low return on capital employed of 0.5%
- Company has a low return on equity of 0.4% over last 3 years
- Equity base is being diluted - shares outstanding up 20.3%
- Though reporting repeated profits, the company pays out little dividend (1.8%)
- Growth is decelerating - 3Y profit CAGR (33.1%) trails the 5Y trend (50.4%)
- Company's return on assets is weak at 0.4%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| NBIFIN | 2020.00 | 29.38 | 596.88 | 0.04 | 6.49 | 1824.93 | 9.52 | 1428.09 | 0.56 | 91.60 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 1 | 1 | 8 | 0 | 7 | 1 | 6 | 0 | 9 | 10 | 1 | 2 | |
| 0 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | 5 | 0 | 1 | 7 | -0 | 6 | -0 | 5 | -0 | 8 | 9 | 0 | 1 |
| OPM % | 91.06% | 28.95% | 59.17% | 89.51% | -68.89% | 87.63% | -11.29% | 86.33% | -71.43% | 92.08% | 91.60% | 27.07% | 68.89% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 5 | 0 | 1 | 7 | -0 | 6 | -0 | 5 | -0 | 8 | 9 | 0 | 2 | |
| Tax % | 25.25% | 27.27% | 34.72% | 22.76% | 9.68% | 26.01% | 1233.33% | 23.28% | -20.00% | 23.77% | 25.57% | 27.78% | 27.00% |
| Net Profit | 4 | 0 | 0 | 6 | -0 | 4 | 0 | 4 | -0 | 6 | 6 | 0 | 1 |
| 15 | 1 | 2 | 23 | -1 | 18 | 1 | 14 | -1 | 20 | 22 | 1 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 101 | 6 | 6 | 14 | 2 | 12 | 10 | 13 | 14 | 20 | 22 | |
| 1 | 2 | 2 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | |
| Operating Profit | 100 | 4 | 4 | 13 | 1 | 11 | 8 | 11 | 11 | 17 | 18 |
| OPM % | 98.91% | 67.06% | 69.81% | 90.04% | 45.58% | 88.66% | 77.59% | 82.60% | 77.51% | 84.08% | 85.54% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 100 | 4 | 4 | 13 | 1 | 11 | 8 | 11 | 11 | 17 | 19 |
| Tax % | 19.15% | 0.04% | 3.17% | -0.13% | -64.66% | 27.03% | 33.08% | 26.53% | 21.84% | 25.56% | 24.96% |
| Net Profit | 81 | 4 | 4 | 13 | 2 | 8 | 5 | 8 | 8 | 12 | 14 |
| EPS | 0.00 | 15.61 | 17.29 | 0.00 | 6.57 | 32.34 | 21.46 | 32.02 | 28.72 | 42.06 | — |
| Dividend Payout % | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.86% | 1.56% | 1.74% | 1.78% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 18%
- 5 Years:
- 56%
- 3 Years:
- 25%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 14%
- 5 Years:
- 50%
- 3 Years:
- 33%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -6%
- 3 Years:
- 3%
- 1 Year:
- -21%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 106 | 110 | 1,708 | 1,616 | 2,540 | 2,137 | 2,356 | 2,337 | 3,307 | 2,637 | |
| 1 | 0 | 0 | 0 | 124 | 66 | 105 | 100 | 211 | 101 | |
| Total Liabilities | 108 | 111 | 1,710 | 1,617 | 2,665 | 2,204 | 2,463 | 2,438 | 3,519 | 2,740 |
| 92 | 109 | 1,704 | 1,614 | 2,624 | 2,195 | 2,457 | 2,426 | 3,512 | 2,723 | |
| Cash & Bank | 1 | 2 | 6 | 3 | 40 | 6 | 1 | 0 | 0 | 2 |
| 15 | 0 | 0 | 1 | 1 | 3 | 5 | 12 | 6 | 15 | |
| Total Assets | 108 | 111 | 1,710 | 1,617 | 2,665 | 2,204 | 2,463 | 2,438 | 3,519 | 2,740 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -13 | 13 | -1 | -1 | 1 | 10 | 8 | 6 | 5 | 6 | |
| Cash from Investing | 31 | -12 | 3 | -1 | 36 | -39 | -12 | -6 | -5 | -5 |
| Cash from Financing | 0 | -0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 |
| -1 | 1 | 1 | -3 | 36 | -31 | -6 | 0 | 0 | 1 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-02 - The Exchange had sought clarification from N. B. I. Industrial Finance Company Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company was required to clarify the following: The response of the Company is enclosed.
2026-08-24 - N. B. I. Industrial Finance Company Limited has informed the Exchange about change in Management by way of Special Resolution passed by the members in the AGM held on 21st August, 2026 for Re-appointment of Shri Sundrapandiyapuram Pichumani Kumar as Manager and Chief Financial Officer of the Company for a period of 2 (two) years commencing from 27th September, 2026.
2026-08-21 - N. B. I. Industrial Finance Company Limited has submitted to the Exchange a copy of the Srutinizers report of Annual General Meeting held on August 21, 2026.
2026-08-21 - N. B. I. Industrial Finance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 21, 2026
2026-08-18 - The Exchange has sought clarification from N. B. I. Industrial Finance Company Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.
2026-08-12 - N. B. I. Industrial Finance Company Limited has informed the Exchange about Copy of Newspaper Publication for financials of June 2026.
2026-08-11 - N. B. I. Industrial Finance Company Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-03 - N. B. I. Industrial Finance Company Limited has informed the Exchange regarding Demise of Shri Ashok Bhandari , Chairman of the company on August 03, 2026.
2026-07-28 - N. B. I. Industrial Finance Company Limited has informed the Exchange about copy of Newspaper Publication w.r.t. Annual General Meeting 2026.
News
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