N.B.I. Industrial Finance Co. Ltd.

•

₹ 1,964.9-1.85%

2026-08-21

nbi-india.co.inBSE: -NSE: NBIFIN

Market Cap₹ 591 Cr.

Current Price₹ 2,002

High / Low₹ 2,991 / 1,539

Stock P/E29.1

Book Value₹ 10,909

Price to Book0.21

Dividend Yield0.04 %

ROCE0.7 %

ROE0.5 %

Face Value₹ 5

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ABOUT

KEY POINTS

PROS

Asset quality is healthy - gross NPA of just 0.0%
Company generates healthy free cash flow

CONS

Company has a low return on capital employed of 10.5%
Company has a low return on equity of 9.9% over last 3 years
Though reporting repeated profits, the company pays out little dividend (1.7%)
Company's return on assets is weak at 0.5%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJFINANCE	1078.60	33.07	671531.43	0.56	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1104.90	22.97	259981.15	0.98	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	242.70	77.55	160258.25	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1866.25	27.72	159390.07	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	365.15	28.68	155001.39	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11322.85	14.23	126015.97	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2859.20	10.09	114787.87	1.05	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.75	26.46	108592.29	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.80	78940.44	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	626.30	0.00	59601.37	0.40	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	681.15	26.00	56579.31	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	NBIFIN	2000.00	29.09	590.97	0.04	6.49	1824.93	9.52	1435.48	0.56	91.60

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	1	13	0	9	10
	1	2	1	1	1
Operating Profit	—	—	—	—	—
OPM %	—	—	—	—	—
Other Income	0	0	0	0	0
Interest	0	0	0	0	0
Depreciation	0	0	0	0	0
	-0	11	-0	8	9
Tax %	1233.33%	25.16%	-20.00%	23.77%	25.57%
Net Profit	0	8	-0	6	6
	1	28	-1	20	22
Equity Capital	1	-1	1	1	1
Reserves	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%
Equity Capital	1	-1	1	1	1
Reserves	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%

Dec 2024

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: 1233.33%
Net Profit: 0
: 1
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2025

: 13
: 2
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 11
Tax %: 25.16%
Net Profit: 8
: 28
Equity Capital: -1
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: -1
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2025

: 0
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: -20.00%
Net Profit: -0
: -1
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2025

: 9
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 8
Tax %: 23.77%
Net Profit: 6
: 20
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2025

: 10
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 9
Tax %: 25.57%
Net Profit: 6
: 22
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 1
Reserves: 0
Promoter Pledge %: 0.00%

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2025	TTM
	5	4	14	32
	1	1	3	5
Operating Profit	4	3	11	—
OPM %	87	87	78	—
Other Income	0	0	0	0
Interest	0	0	0	0
Depreciation	0	0	0	0
	4	3	11	27
Tax %	10	-3	22	25
Net Profit	4	3	8	20
EPS	0	0	29	—
Dividend Payout %	0	0	2	—
Minority Interest	0	0	0	0
Share of Associates	0	1	0	0
Adjusted EPS	16	17	29	—
Minority Interest	0	0	0	0
Share of Associates	0	1	0	0
Adjusted EPS	16	17	29	—

Mar 2015

: 5
: 1
Operating Profit: 4
OPM %: 87
Other Income: 0
Interest: 0
Depreciation: 0
: 4
Tax %: 10
Net Profit: 4
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 16
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 16

Mar 2016

: 4
: 1
Operating Profit: 3
OPM %: 87
Other Income: 0
Interest: 0
Depreciation: 0
: 3
Tax %: -3
Net Profit: 3
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 1
Adjusted EPS: 17
Minority Interest: 0
Share of Associates: 1
Adjusted EPS: 17

Mar 2025

: 14
: 3
Operating Profit: 11
OPM %: 78
Other Income: 0
Interest: 0
Depreciation: 0
: 11
Tax %: 22
Net Profit: 8
EPS: 29
Dividend Payout %: 2
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 29
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 29

TTM

: 32
: 5
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 27
Tax %: 25
Net Profit: 20
EPS: —
Dividend Payout %: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: -6%
3 Years:: 6%
1 Year:: -20%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 10%
Last Year:: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2025
LIABILITIES	-	-	-
Equity Capital	1	1	1
	22	30	3,307
	0	0	211
Total Liabilities	23	31	3,519
ASSETS	-	-	-
	21	27	3,512
Cash & Bank	2	2	0
	0	3	6
Total Assets	23	31	3,519
Total Debt	0	0	0
Net Working Capital	4	7	8
Contingent Liabilities	0	0	0
Book Value per Share	187.73	252.36	11195.56
Face Value	10.00	10.00	5.00
Total Debt	0	0	0
Net Working Capital	4	7	8
Contingent Liabilities	0	0	0
Book Value per Share	187.73	252.36	11195.56
Face Value	10.00	10.00	5.00

Mar 2015

Equity Capital: 1
: 22
: 0
Total Liabilities: 23
: 21
Cash & Bank: 2
: 0
Total Assets: 23
Total Debt: 0
Net Working Capital: 4
Contingent Liabilities: 0
Book Value per Share: 187.73
Face Value: 10.00
Total Debt: 0
Net Working Capital: 4
Contingent Liabilities: 0
Book Value per Share: 187.73
Face Value: 10.00

Mar 2016

Equity Capital: 1
: 30
: 0
Total Liabilities: 31
: 27
Cash & Bank: 2
: 3
Total Assets: 31
Total Debt: 0
Net Working Capital: 7
Contingent Liabilities: 0
Book Value per Share: 252.36
Face Value: 10.00
Total Debt: 0
Net Working Capital: 7
Contingent Liabilities: 0
Book Value per Share: 252.36
Face Value: 10.00

Mar 2025

Equity Capital: 1
: 3,307
: 211
Total Liabilities: 3,519
: 3,512
Cash & Bank: 0
: 6
Total Assets: 3,519
Total Debt: 0
Net Working Capital: 8
Contingent Liabilities: 0
Book Value per Share: 11195.56
Face Value: 5.00
Total Debt: 0
Net Working Capital: 8
Contingent Liabilities: 0
Book Value per Share: 11195.56
Face Value: 5.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2025
	-1	-3	5
Cash from Investing	1	3	-5
Cash from Financing	-0	-0	-0
	0	0	0
Free Cash Flow	-1	-3	5
OCF / Net Profit	-0.25	-0.89	0.59
Cumulative 5-Year FCF	0	0	0
OCF / Net Profit	-0.25	-0.89	0.59
Cumulative 5-Year FCF	0	0	0

Mar 2015

: -1
Cash from Investing: 1
Cash from Financing: -0
: 0
Free Cash Flow: -1
OCF / Net Profit: -0.25
Cumulative 5-Year FCF: 0
OCF / Net Profit: -0.25
Cumulative 5-Year FCF: 0

Mar 2016

: -3
Cash from Investing: 3
Cash from Financing: -0
: 0
Free Cash Flow: -3
OCF / Net Profit: -0.89
Cumulative 5-Year FCF: 0
OCF / Net Profit: -0.89
Cumulative 5-Year FCF: 0

Mar 2025

: 5
Cash from Investing: -5
Cash from Financing: -0
: 0
Free Cash Flow: 5
OCF / Net Profit: 0.59
Cumulative 5-Year FCF: 0
OCF / Net Profit: 0.59
Cumulative 5-Year FCF: 0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2025
PER SHARE	-	-	-
EPS (₹)	31.33	33.27	28.71
Book Value (₹)	187.73	252.36	11195.56
Dividend per Share (₹)	0.00	0.00	0.50
Cash EPS (₹)	15.68	13.90	28.71
PROFITABILITY	-	-	-
Operating Margin %	87.20%	86.72%	77.51%
Net Margin %	77.98%	89.10%	60.89%
ROE %	16.69%	12.63%	0.51%
ROCE %	18.63%	12.27%	0.65%
	16.53%	12.53%	0.48%
EFFICIENCY	-	-	-
Debtor Days	0	0	0
Inventory Days	0	0	0
Payable Days	0	0	0
	0	0	0
FINANCIAL HEALTH	-	-	-
Debt to Equity (x)	0.00x	0.00x	0.00x
Interest Coverage (x)	5702.89x	0.00x	0.00x
	60.73x	195.20x	2.34x
GROWTH	-	-	-
Revenue Growth %	0.00%	-22.40%	263.78%
Operating Profit Growth %	0.00%	-22.84%	226.90%
Net Profit Growth %	0.00%	-11.33%	148.60%
	0.00%	0.00%	-13.70%
VALUATION	-	-	-
P/E (x)	0.00x	0.00x	81.20x
P/B (x)	0.00x	0.00x	0.21x
Dividend Yield %	0.00%	0.00%	0.02%
	0.00x	0.00x	63.41x

Mar 2015

EPS (₹): 31.33
Book Value (₹): 187.73
Dividend per Share (₹): 0.00
Cash EPS (₹): 15.68
Operating Margin %: 87.20%
Net Margin %: 77.98%
ROE %: 16.69%
ROCE %: 18.63%
: 16.53%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.00x
Interest Coverage (x): 5702.89x
: 60.73x
Revenue Growth %: 0.00%
Operating Profit Growth %: 0.00%
Net Profit Growth %: 0.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2016

EPS (₹): 33.27
Book Value (₹): 252.36
Dividend per Share (₹): 0.00
Cash EPS (₹): 13.90
Operating Margin %: 86.72%
Net Margin %: 89.10%
ROE %: 12.63%
ROCE %: 12.27%
: 12.53%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.00x
Interest Coverage (x): 0.00x
: 195.20x
Revenue Growth %: -22.40%
Operating Profit Growth %: -22.84%
Net Profit Growth %: -11.33%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2025

EPS (₹): 28.71
Book Value (₹): 11195.56
Dividend per Share (₹): 0.50
Cash EPS (₹): 28.71
Operating Margin %: 77.51%
Net Margin %: 60.89%
ROE %: 0.51%
ROCE %: 0.65%
: 0.48%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.00x
Interest Coverage (x): 0.00x
: 2.34x
Revenue Growth %: 263.78%
Operating Profit Growth %: 226.90%
Net Profit Growth %: 148.60%
: -13.70%
P/E (x): 81.20x
P/B (x): 0.21x
Dividend Yield %: 0.02%
: 63.41x

Shareholding Pattern

Numbers in percentages

TRADES

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.69	74.69	74.69	74.17	74.17	74.17	74.17	74.17	74.17
	0.10	0.20	0.20	0.17	0.17	0.17	0.17	0.17	0.17
	0.04	0.04	0.00	2.12	2.12	2.12	2.12	2.12	2.13
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.17	25.07	25.11	23.54	23.54	23.54	23.54	23.55	23.54

Jun 2024

: 74.69
: 0.10
: 0.04
Government: 0.00
: 25.17

Sep 2024

: 74.69
: 0.20
: 0.04
Government: 0.00
: 25.07

Dec 2024

: 74.69
: 0.20
: 0.00
Government: 0.00
: 25.11

Mar 2025

: 74.17
: 0.17
: 2.12
Government: 0.00
: 23.54

Jun 2025

: 74.17
: 0.17
: 2.12
Government: 0.00
: 23.54

Sep 2025

: 74.17
: 0.17
: 2.12
Government: 0.00
: 23.54

Dec 2025

: 74.17
: 0.17
: 2.12
Government: 0.00
: 23.54

Mar 2026

: 74.17
: 0.17
: 2.12
Government: 0.00
: 23.55

Jun 2026

: 74.17
: 0.17
: 2.13
Government: 0.00
: 23.54

Documents

Announcements

Clarification - Financial Results
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.
Copy of Newspaper Publication
2026-08-12 - N. B. I. Industrial Finance Company Limited has informed the Exchange about Copy of Newspaper Publication for financials of June 2026.

Annual Reports

Credit Ratings

Nothing filed yet.

Concalls

Nothing filed yet.