Nalin Lease Finance Intrinsic Value
Nalin Lease Finance intrinsic value. Nalin Lease Finance (NLFL) median intrinsic value is ₹42.32 from 9 valuation models (range ₹11–₹79), vs current price ₹38.00 — +11.4% upside (Trading Below Median Value), margin of safety 10.2%. Read NLFL dividend yield for the complete payout history and dividend yield track record.
NLFL Valuation Methods Summary — DCF, Graham Number & P/E
Nalin Lease Finance intrinsic value across 9 models vs current price ₹38.00 — upside/downside and value range per method. Compare with Nalin Lease Finance value estimation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹61.20 | ₹48.96 - ₹73.44 | +61.1% | EPS: ₹5.10, Sector P/E: 12x |
| Book Value Method | asset | ₹43.43 | ₹39.09 - ₹47.77 | +14.3% | Book Value/Share: ₹54.29, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹11.43 | ₹10.29 - ₹12.57 | -69.9% | Revenue/Share: ₹11.43, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹35.71 | ₹32.14 - ₹39.28 | -6.0% | EBITDA: ₹5.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.20 | ₹12.16 - ₹18.24 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹11.58 | ₹10.42 - ₹12.74 | -69.5% | EPS Growth: 2.8%, Fair P/E: 2.3x |
| Growth Adjusted P/E | growth | ₹42.32 | ₹38.09 - ₹46.55 | +11.4% | Revenue Growth: 7.5%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹42.86 | ₹38.57 - ₹47.15 | +12.8% | ROE: 7.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹78.93 | ₹71.04 - ₹86.82 | +107.7% | EPS: ₹5.10, BVPS: ₹54.29 |
NLFL Intrinsic Value vs Market Price — All Valuation Models
Nalin Lease Finance fair value range ₹11–₹79 vs current market price ₹38.00 across 9 valuation models. For current market price and key ratios, visit Nalin Lease Finance share price chart.
NLFL Intrinsic Value Analysis — Undervalued or Overvalued?
Nalin Lease Finance median intrinsic value ₹42.32, current price ₹38.00 — Trading Below Median Value by 11.4%, margin of safety 10.2%.
What is the intrinsic value of NLFL?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Nalin Lease Finance (NLFL) is ₹42.32 (median value). With the current market price of ₹38.00, this represents a +11.4% variance from our estimated fair value.
The valuation range spans from ₹11.43 to ₹78.93, indicating ₹11.43 - ₹78.93.
Is NLFL undervalued or overvalued?
Based on our multi-method analysis, Nalin Lease Finance (NLFL) appears to be trading below median value by approximately 11.4%.
NLFL Financial Health — Key Ratios vs Industry Benchmarks
Nalin Lease Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.33 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 52.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
NLFL Cash Flow Quality — Operating & Free Cash Flow
Nalin Lease Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-11 Cr | ₹-11 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-3 Cr | ₹-3 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1 Cr | ₹-2 Cr | Positive Operating Cash Flow | 6/10 |
| March 2023 | ₹4 Cr | ₹2 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |