N.B.I. Industrial Finance Company Limited Fundamental Analysis (NSE: NBIFIN.NS)
N.B.I. Industrial Finance Company Limited Fundamental Analysis (NSE: NBIFIN.NS)
N.B.I. Industrial Finance Company Limited (NSE: NBIFIN.NS) shows weak financial fundamentals with a PE ratio of 52.84, profit margin of 65.82%, and ROE of 0.40%. The company generates $0.2B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 75.5/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze NBIFIN.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakNBIFIN.NS struggles to generate sufficient returns from assets.
Valuation Score
ModerateNBIFIN.NS shows balanced valuation metrics.
Growth Score
ModerateNBIFIN.NS shows steady but slowing expansion.
Financial Health Score
ExcellentNBIFIN.NS maintains a strong and stable balance sheet.
Profitability Score
ExcellentNBIFIN.NS achieves industry-leading margins.
Key Financial Metrics
Is NBIFIN.NS Expensive or Cheap?
P/E Ratio
NBIFIN.NS trades at 52.84 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, NBIFIN.NS's PEG of -556.13 indicates potential undervaluation.
Price to Book
The market values N.B.I. Industrial Finance Company Limited at 0.25 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 32.82 times EBITDA. This signals the market has high growth expectations.
How Well Does NBIFIN.NS Make Money?
Net Profit Margin
For every $100 in sales, N.B.I. Industrial Finance Company Limited keeps $65.82 as profit after all expenses.
Operating Margin
Core operations generate 88.41 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.40 in profit for every $100 of shareholder equity.
ROA
N.B.I. Industrial Finance Company Limited generates $0.46 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
N.B.I. Industrial Finance Company Limited produces operating cash flow of $33.79M, showing steady but balanced cash generation.
Free Cash Flow
N.B.I. Industrial Finance Company Limited generates strong free cash flow of $33.79M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $13.75 in free cash annually.
FCF Yield
NBIFIN.NS converts 0.75% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
52.84
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-556.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.25
vs 25 benchmark
P/S Ratio
Price to sales ratio
28.91
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
72.86
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.004
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How NBIFIN.NS Stacks Against Its Sector Peers
| Metric | NBIFIN.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 52.84 | 21.04 | Worse (Expensive) |
| ROE | 0.40% | 654.00% | Weak |
| Net Margin | 65.82% | -780.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 0.87 | Strong (Low Leverage) |
| Current Ratio | 72.86 | 877.76 | Strong Liquidity |
| ROA | 0.46% | 6586.00% | Weak |
NBIFIN.NS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews N.B.I. Industrial Finance Company Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical