Nalin Lease Finance Intrinsic Value
Nalin Lease Finance (NLFL) median intrinsic value is ₹39.96 from 9 valuation models (range ₹11–₹74), vs current price ₹38.03 — +5.1% upside (Trading Near Calculated Value), margin of safety 4.8%. For current market price and key ratios, visit Nalin Lease Finance share price chart.
NLFL Valuation Methods Summary — DCF, Graham Number & P/E
Nalin Lease Finance intrinsic value across 9 models vs current price ₹38.03 — upside/downside and value range per method. Analyse NLFL institutional holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹58.20 | ₹46.56 - ₹69.84 | +53.0% | EPS: ₹4.85, Sector P/E: 12x |
| Book Value Method | asset | ₹40.00 | ₹36.00 - ₹44.00 | +5.2% | Book Value/Share: ₹50.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹11.41 | ₹10.27 - ₹12.55 | -70.0% | Revenue/Share: ₹8.57, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹28.57 | ₹25.71 - ₹31.43 | -24.9% | EBITDA: ₹4.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.21 | ₹12.17 - ₹18.25 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹19.91 | ₹17.92 - ₹21.90 | -47.6% | EPS Growth: 5.1%, Fair P/E: 4.1x |
| Growth Adjusted P/E | growth | ₹39.96 | ₹35.96 - ₹43.96 | +5.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹42.86 | ₹38.57 - ₹47.15 | +12.7% | ROE: 8.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹73.87 | ₹66.48 - ₹81.26 | +94.2% | EPS: ₹4.85, BVPS: ₹50.00 |
NLFL Intrinsic Value vs Market Price — All Valuation Models
Nalin Lease Finance fair value range ₹11–₹74 vs current market price ₹38.03 across 9 valuation models. Read NLFL dividend yield for the complete payout history and dividend yield track record.
NLFL Intrinsic Value Analysis — Undervalued or Overvalued?
Nalin Lease Finance median intrinsic value ₹39.96, current price ₹38.03 — Trading Near Calculated Value by 5.1%, margin of safety 4.8%.
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 ₹39.96 (median value). With the current market price of ₹38.03, this represents a +5.1% variance from our estimated fair value.
The valuation range spans from ₹11.41 to ₹73.87, indicating ₹11.41 - ₹73.87.
Is NLFL undervalued or overvalued?
Based on our multi-method analysis, Nalin Lease Finance (NLFL) appears to be trading near calculated value by approximately 5.1%.
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 | 2.00 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 8.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 57.0% | 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 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 |
| March 2021 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |