N.B.I. Industrial Finance Co. Ltd.
•₹ 1,964.9-1.85%
2026-08-21
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 37.6 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
EDIT COLUMNS| 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
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 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | |
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 5
- 0
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 5
- Tax %
- 25.25%
- Net Profit
- 4
- 15
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 1
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 0
- Tax %
- 27.27%
- Net Profit
- 0
- 1
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 1
- 0
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 1
- Tax %
- 34.72%
- Net Profit
- 0
- 2
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 8
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 7
- Tax %
- 22.76%
- Net Profit
- 6
- 23
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 0
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- -0
- Tax %
- 9.68%
- Net Profit
- -0
- -1
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 7
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 6
- Tax %
- 26.01%
- Net Profit
- 4
- 18
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 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
- 6
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 5
- Tax %
- 23.28%
- Net Profit
- 4
- 14
- 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%
Mar 2026
- 1
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 0
- Tax %
- 27.78%
- Net Profit
- 0
- 1
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 2
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 2
- Tax %
- 27.00%
- Net Profit
- 1
- 0
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
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 | — |
| OPM % | 99 | 67 | 70 | 90 | 46 | 89 | 78 | 83 | 78 | 84 | — |
| Other Income | 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 |
| 100 | 4 | 4 | 13 | 1 | 11 | 8 | 11 | 11 | 17 | 19 | |
| Tax % | 19 | 0 | 3 | -0 | -65 | 27 | 33 | 27 | 22 | 26 | 25 |
| Net Profit | 81 | 4 | 4 | 13 | 2 | 8 | 5 | 8 | 8 | 12 | 14 |
| EPS | 0 | 16 | 17 | 0 | 7 | 32 | 21 | 32 | 29 | 42 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 2 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 328 | 16 | 17 | 53 | 7 | 32 | 21 | 32 | 29 | 42 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 328 | 16 | 17 | 53 | 7 | 32 | 21 | 32 | 29 | 42 | — |
Mar 2017
- 101
- 1
- Operating Profit
- 100
- OPM %
- 99
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 100
- Tax %
- 19
- Net Profit
- 81
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 328
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 328
Mar 2018
- 6
- 2
- Operating Profit
- 4
- OPM %
- 67
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 4
- Tax %
- 0
- Net Profit
- 4
- EPS
- 16
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
Mar 2019
- 6
- 2
- Operating Profit
- 4
- OPM %
- 70
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 4
- Tax %
- 3
- Net Profit
- 4
- EPS
- 17
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
Mar 2020
- 14
- 1
- Operating Profit
- 13
- OPM %
- 90
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 13
- Tax %
- -0
- Net Profit
- 13
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 53
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 53
Mar 2021
- 2
- 1
- Operating Profit
- 1
- OPM %
- 46
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 1
- Tax %
- -65
- Net Profit
- 2
- EPS
- 7
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 7
Mar 2022
- 12
- 1
- Operating Profit
- 11
- OPM %
- 89
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 11
- Tax %
- 27
- Net Profit
- 8
- EPS
- 32
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 32
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 32
Mar 2023
- 10
- 2
- Operating Profit
- 8
- OPM %
- 78
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 8
- Tax %
- 33
- Net Profit
- 5
- EPS
- 21
- Dividend Payout %
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
Mar 2024
- 13
- 2
- Operating Profit
- 11
- OPM %
- 83
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 11
- Tax %
- 27
- Net Profit
- 8
- EPS
- 32
- Dividend Payout %
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 32
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 32
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
Mar 2026
- 20
- 3
- Operating Profit
- 17
- OPM %
- 84
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 17
- Tax %
- 26
- Net Profit
- 12
- EPS
- 42
- Dividend Payout %
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 42
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 42
TTM
- 22
- 3
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 19
- Tax %
- 25
- Net Profit
- 14
- 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:
- 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:
- 6%
- 1 Year:
- -20%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| 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 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 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 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 47 | 3 | 10 | 15 | 47 | 7 | 1 | 34 | 8 | 47 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 8 |
| Book Value per Share | 871.07 | 451.14 | 6958.14 | 6581.37 | 10343.51 | 8704.54 | 9596.64 | 9516.95 | 11195.57 | 8929.04 |
| Face Value | 10.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 47 | 3 | 10 | 15 | 47 | 7 | 1 | 34 | 8 | 47 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 8 |
| Book Value per Share | 871.07 | 451.14 | 6958.14 | 6581.37 | 10343.51 | 8704.54 | 9596.64 | 9516.95 | 11195.57 | 8929.04 |
| Face Value | 10.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
Mar 2017
- Equity Capital
- 1
- 106
- 1
- Total Liabilities
- 108
- 92
- Cash & Bank
- 1
- 15
- Total Assets
- 108
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 0
- Book Value per Share
- 871.07
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 0
- Book Value per Share
- 871.07
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 1
- 110
- 0
- Total Liabilities
- 111
- 109
- Cash & Bank
- 2
- 0
- Total Assets
- 111
- Total Debt
- 0
- Net Working Capital
- 3
- Contingent Liabilities
- 0
- Book Value per Share
- 451.14
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 3
- Contingent Liabilities
- 0
- Book Value per Share
- 451.14
- Face Value
- 5.00
Mar 2019
- Equity Capital
- 1
- 1,708
- 0
- Total Liabilities
- 1,710
- 1,704
- Cash & Bank
- 6
- 0
- Total Assets
- 1,710
- Total Debt
- 0
- Net Working Capital
- 10
- Contingent Liabilities
- 0
- Book Value per Share
- 6958.14
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 10
- Contingent Liabilities
- 0
- Book Value per Share
- 6958.14
- Face Value
- 5.00
Mar 2020
- Equity Capital
- 1
- 1,616
- 0
- Total Liabilities
- 1,617
- 1,614
- Cash & Bank
- 3
- 1
- Total Assets
- 1,617
- Total Debt
- 0
- Net Working Capital
- 15
- Contingent Liabilities
- 0
- Book Value per Share
- 6581.37
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 15
- Contingent Liabilities
- 0
- Book Value per Share
- 6581.37
- Face Value
- 5.00
Mar 2021
- Equity Capital
- 1
- 2,540
- 124
- Total Liabilities
- 2,665
- 2,624
- Cash & Bank
- 40
- 1
- Total Assets
- 2,665
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 0
- Book Value per Share
- 10343.51
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 0
- Book Value per Share
- 10343.51
- Face Value
- 5.00
Mar 2022
- Equity Capital
- 1
- 2,137
- 66
- Total Liabilities
- 2,204
- 2,195
- Cash & Bank
- 6
- 3
- Total Assets
- 2,204
- Total Debt
- 0
- Net Working Capital
- 7
- Contingent Liabilities
- 0
- Book Value per Share
- 8704.54
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 7
- Contingent Liabilities
- 0
- Book Value per Share
- 8704.54
- Face Value
- 5.00
Mar 2023
- Equity Capital
- 1
- 2,356
- 105
- Total Liabilities
- 2,463
- 2,457
- Cash & Bank
- 1
- 5
- Total Assets
- 2,463
- Total Debt
- 0
- Net Working Capital
- 1
- Contingent Liabilities
- 1
- Book Value per Share
- 9596.64
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 1
- Contingent Liabilities
- 1
- Book Value per Share
- 9596.64
- Face Value
- 5.00
Mar 2024
- Equity Capital
- 1
- 2,337
- 100
- Total Liabilities
- 2,438
- 2,426
- Cash & Bank
- 0
- 12
- Total Assets
- 2,438
- Total Debt
- 0
- Net Working Capital
- 34
- Contingent Liabilities
- 0
- Book Value per Share
- 9516.95
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 34
- Contingent Liabilities
- 0
- Book Value per Share
- 9516.95
- Face Value
- 5.00
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
- 11195.57
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 8
- Contingent Liabilities
- 0
- Book Value per Share
- 11195.57
- Face Value
- 5.00
Mar 2026
- Equity Capital
- 1
- 2,637
- 101
- Total Liabilities
- 2,740
- 2,723
- Cash & Bank
- 2
- 15
- Total Assets
- 2,740
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 8
- Book Value per Share
- 8929.04
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 47
- Contingent Liabilities
- 8
- Book Value per Share
- 8929.04
- Face Value
- 5.00
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -32 | 13 | -2 | -1 | 0 | 8 | 6 | 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 | |
| Free Cash Flow | -32 | 13 | -2 | -1 | 0 | 8 | 6 | 6 | 5 | 6 |
| OCF / Net Profit | -0.40 | 3.31 | -0.38 | -0.10 | 0.09 | 0.99 | 1.09 | 0.72 | 0.59 | 0.48 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -22 | 18 | 11 | 18 | 24 | 30 |
| OCF / Net Profit | -0.40 | 3.31 | -0.38 | -0.10 | 0.09 | 0.99 | 1.09 | 0.72 | 0.59 | 0.48 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -22 | 18 | 11 | 18 | 24 | 30 |
Mar 2017
- -32
- Cash from Investing
- 31
- Cash from Financing
- 0
- -1
- Free Cash Flow
- -32
- OCF / Net Profit
- -0.40
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.40
- Cumulative 5-Year FCF
- 0
Mar 2018
- 13
- Cash from Investing
- -12
- Cash from Financing
- -0
- 1
- Free Cash Flow
- 13
- OCF / Net Profit
- 3.31
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 3.31
- Cumulative 5-Year FCF
- 0
Mar 2019
- -2
- Cash from Investing
- 3
- Cash from Financing
- 0
- 1
- Free Cash Flow
- -2
- OCF / Net Profit
- -0.38
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.38
- Cumulative 5-Year FCF
- 0
Mar 2020
- -1
- Cash from Investing
- -1
- Cash from Financing
- 0
- -3
- Free Cash Flow
- -1
- OCF / Net Profit
- -0.10
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.10
- Cumulative 5-Year FCF
- 0
Mar 2021
- 0
- Cash from Investing
- 36
- Cash from Financing
- 0
- 36
- Free Cash Flow
- 0
- OCF / Net Profit
- 0.09
- Cumulative 5-Year FCF
- -22
- OCF / Net Profit
- 0.09
- Cumulative 5-Year FCF
- -22
Mar 2022
- 8
- Cash from Investing
- -39
- Cash from Financing
- 0
- -31
- Free Cash Flow
- 8
- OCF / Net Profit
- 0.99
- Cumulative 5-Year FCF
- 18
- OCF / Net Profit
- 0.99
- Cumulative 5-Year FCF
- 18
Mar 2023
- 6
- Cash from Investing
- -12
- Cash from Financing
- 0
- -6
- Free Cash Flow
- 6
- OCF / Net Profit
- 1.09
- Cumulative 5-Year FCF
- 11
- OCF / Net Profit
- 1.09
- Cumulative 5-Year FCF
- 11
Mar 2024
- 6
- Cash from Investing
- -6
- Cash from Financing
- -0
- 0
- Free Cash Flow
- 6
- OCF / Net Profit
- 0.72
- Cumulative 5-Year FCF
- 18
- OCF / Net Profit
- 0.72
- Cumulative 5-Year FCF
- 18
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
- 24
- OCF / Net Profit
- 0.59
- Cumulative 5-Year FCF
- 24
Mar 2026
- 6
- Cash from Investing
- -5
- Cash from Financing
- -0
- 1
- Free Cash Flow
- 6
- OCF / Net Profit
- 0.48
- Cumulative 5-Year FCF
- 30
- OCF / Net Profit
- 0.48
- Cumulative 5-Year FCF
- 30
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 656.76 | 15.61 | 17.29 | 52.76 | 6.57 | 32.34 | 21.46 | 32.02 | 28.72 | 42.06 |
| Book Value (₹) | 871.07 | 451.14 | 6958.14 | 6581.37 | 10343.51 | 8704.54 | 9596.64 | 9516.95 | 11195.57 | 8929.04 |
| Dividend per Share (₹) | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.40 | 0.50 | 0.50 | 0.75 |
| Cash EPS (₹) | 328.39 | 15.62 | 17.30 | 52.78 | 6.59 | 32.36 | 21.47 | 32.02 | 28.72 | 42.07 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 98.92% | 67.06% | 69.81% | 90.04% | 45.58% | 88.84% | 77.67% | 82.60% | 77.51% | 84.08% |
| Net Margin % | 79.97% | 66.98% | 67.55% | 90.13% | 74.70% | 64.80% | 51.97% | 60.76% | 60.90% | 62.59% |
| ROE % | 120.89% | 3.52% | 0.47% | 0.78% | 0.08% | 0.34% | 0.23% | 0.34% | 0.30% | 0.42% |
| ROCE % | 149.53% | 3.52% | 0.48% | 0.78% | 0.05% | 0.47% | 0.35% | 0.46% | 0.38% | 0.56% |
| 120.24% | 3.51% | 0.47% | 0.78% | 0.08% | 0.33% | 0.23% | 0.32% | 0.28% | 0.40% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| 163.40x | 55.60x | 174.87x | 146.87x | 198.31x | 3.73x | 1.28x | 5.61x | 2.34x | 4.12x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 2534.09% | -94.32% | 9.83% | 128.69% | -84.98% | 467.67% | -17.24% | 27.58% | 7.63% | 42.52% |
| Operating Profit Growth % | 2904.67% | -96.15% | 14.34% | 194.97% | -92.40% | 1006.40% | -27.64% | 35.84% | 1.41% | 53.79% |
| Net Profit Growth % | 2263.96% | -95.25% | 10.77% | 205.15% | -87.55% | 392.40% | -33.63% | 49.17% | 7.87% | 46.49% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 49.17% | -10.31% | 46.49% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 55.90x | 81.19x | 37.64x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.19x | 0.21x | 0.18x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.05% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 41.06x | 63.41x | 27.90x |
Mar 2017
- EPS (₹)
- 656.76
- Book Value (₹)
- 871.07
- Dividend per Share (₹)
- 1.00
- Cash EPS (₹)
- 328.39
- Operating Margin %
- 98.92%
- Net Margin %
- 79.97%
- ROE %
- 120.89%
- ROCE %
- 149.53%
- 120.24%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 163.40x
- Revenue Growth %
- 2534.09%
- Operating Profit Growth %
- 2904.67%
- Net Profit Growth %
- 2263.96%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 15.61
- Book Value (₹)
- 451.14
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 15.62
- Operating Margin %
- 67.06%
- Net Margin %
- 66.98%
- ROE %
- 3.52%
- ROCE %
- 3.52%
- 3.51%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 55.60x
- Revenue Growth %
- -94.32%
- Operating Profit Growth %
- -96.15%
- Net Profit Growth %
- -95.25%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 17.29
- Book Value (₹)
- 6958.14
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 17.30
- Operating Margin %
- 69.81%
- Net Margin %
- 67.55%
- ROE %
- 0.47%
- ROCE %
- 0.48%
- 0.47%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 174.87x
- Revenue Growth %
- 9.83%
- Operating Profit Growth %
- 14.34%
- Net Profit Growth %
- 10.77%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 52.76
- Book Value (₹)
- 6581.37
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 52.78
- Operating Margin %
- 90.04%
- Net Margin %
- 90.13%
- ROE %
- 0.78%
- ROCE %
- 0.78%
- 0.78%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 146.87x
- Revenue Growth %
- 128.69%
- Operating Profit Growth %
- 194.97%
- Net Profit Growth %
- 205.15%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 6.57
- Book Value (₹)
- 10343.51
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 6.59
- Operating Margin %
- 45.58%
- Net Margin %
- 74.70%
- ROE %
- 0.08%
- ROCE %
- 0.05%
- 0.08%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 198.31x
- Revenue Growth %
- -84.98%
- Operating Profit Growth %
- -92.40%
- Net Profit Growth %
- -87.55%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 32.34
- Book Value (₹)
- 8704.54
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 32.36
- Operating Margin %
- 88.84%
- Net Margin %
- 64.80%
- ROE %
- 0.34%
- ROCE %
- 0.47%
- 0.33%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 3.73x
- Revenue Growth %
- 467.67%
- Operating Profit Growth %
- 1006.40%
- Net Profit Growth %
- 392.40%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 21.46
- Book Value (₹)
- 9596.64
- Dividend per Share (₹)
- 0.40
- Cash EPS (₹)
- 21.47
- Operating Margin %
- 77.67%
- Net Margin %
- 51.97%
- ROE %
- 0.23%
- ROCE %
- 0.35%
- 0.23%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 1.28x
- Revenue Growth %
- -17.24%
- Operating Profit Growth %
- -27.64%
- Net Profit Growth %
- -33.63%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 32.02
- Book Value (₹)
- 9516.95
- Dividend per Share (₹)
- 0.50
- Cash EPS (₹)
- 32.02
- Operating Margin %
- 82.60%
- Net Margin %
- 60.76%
- ROE %
- 0.34%
- ROCE %
- 0.46%
- 0.32%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 5.61x
- Revenue Growth %
- 27.58%
- Operating Profit Growth %
- 35.84%
- Net Profit Growth %
- 49.17%
- 49.17%
- P/E (x)
- 55.90x
- P/B (x)
- 0.19x
- Dividend Yield %
- 0.03%
- 41.06x
Mar 2025
- EPS (₹)
- 28.72
- Book Value (₹)
- 11195.57
- Dividend per Share (₹)
- 0.50
- Cash EPS (₹)
- 28.72
- Operating Margin %
- 77.51%
- Net Margin %
- 60.90%
- ROE %
- 0.30%
- ROCE %
- 0.38%
- 0.28%
- 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 %
- 7.63%
- Operating Profit Growth %
- 1.41%
- Net Profit Growth %
- 7.87%
- -10.31%
- P/E (x)
- 81.19x
- P/B (x)
- 0.21x
- Dividend Yield %
- 0.02%
- 63.41x
Mar 2026
- EPS (₹)
- 42.06
- Book Value (₹)
- 8929.04
- Dividend per Share (₹)
- 0.75
- Cash EPS (₹)
- 42.07
- Operating Margin %
- 84.08%
- Net Margin %
- 62.59%
- ROE %
- 0.42%
- ROCE %
- 0.56%
- 0.40%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 4.12x
- Revenue Growth %
- 42.52%
- Operating Profit Growth %
- 53.79%
- Net Profit Growth %
- 46.49%
- 46.49%
- P/E (x)
- 37.64x
- P/B (x)
- 0.18x
- Dividend Yield %
- 0.05%
- 27.90x
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.