Nalin Lease Finance (BOM:531212) E10: ₹4.93 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:531212 Nalin Lease Finance Ltd BOM:531212
68 GF Score
Price ₹39.12
GF Value ₹55.52
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Nalin Lease Finance E10?

Nalin Lease Finance BOM:531212 -2.59% 68 E10 is ₹4.93 as of Jun. 2026. GuruFocus rates BOM:531212 with a GF Score™ of 68/100 and a GF Value™ of ₹55.52 (Possible Value Trap). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Nalin Lease Finance's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹1.700. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹4.93 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Nalin Lease Finance's average E10 Growth Rate was 7.00% per year. During the past 3 years, the average E10 Growth Rate was 8.00% per year. During the past 5 years, the average E10 Growth Rate was 10.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Nalin Lease Finance was 13.50% per year. The lowest was 8.00% per year. And the median was 8.30% per year.

As of today (2026-07-21), Nalin Lease Finance's current stock price is ₹39.12. Nalin Lease Finance's E10 for the quarter that ended in Jun. 2026 was ₹4.93. Nalin Lease Finance's Shiller PE Ratio of today is 7.94.

During the past 13 years, the highest Shiller PE Ratio of Nalin Lease Finance was 22.12. The lowest was 4.93. And the median was 9.78.


Nalin Lease Finance  (BOM:531212) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Nalin Lease Finance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=39.12/4.93
=7.94

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Nalin Lease Finance was 22.12. The lowest was 4.93. And the median was 9.78.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Nalin Lease Finance E10 Related Terms


Nalin Lease Finance E10 Historical Data

* Premium members only.

The historical data trend for Nalin Lease Finance's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Nalin Lease Finance E10 Chart

Nalin Lease Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.69 3.99 4.40 4.69 5.02

Nalin Lease Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.55 4.69 4.70 5.02 4.93

BOM:531212 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Nalin Lease Finance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Nalin Lease Finance Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Nalin Lease Finance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Nalin Lease Finance's Shiller PE Ratio falls into.


BOM:531212
68GF Score
Nalin Lease Finance Ltd BOM:531212
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nalin Lease Finance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Nalin Lease Finance's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.7/166.1454*166.1454
=1.700

Current CPI (Jun. 2026) = 166.1454.

Nalin Lease Finance Quarterly Data

per share eps CPI Adj_EPS
201609 0.640 105.961 1.004
201612 0.400 105.196 0.632
201703 -0.324 105.196 -0.512
201706 0.950 107.109 1.474
201709 0.980 109.021 1.493
201712 1.620 109.404 2.460
201803 -0.450 109.786 -0.681
201806 0.920 111.317 1.373
201809 1.180 115.142 1.703
201812 0.680 115.142 0.981
201903 1.162 118.202 1.633
201906 0.720 120.880 0.990
201909 0.490 123.175 0.661
201912 0.740 126.235 0.974
202003 1.080 124.705 1.439
202006 0.340 127.000 0.445
202009 1.290 130.118 1.647
202012 1.340 130.889 1.701
202103 0.880 131.771 1.110
202106 0.760 134.084 0.942
202109 1.190 135.847 1.455
202112 0.730 138.161 0.878
202203 1.290 138.822 1.544
202206 1.120 142.347 1.307
202209 1.160 144.661 1.332
202212 1.340 145.763 1.527
202303 0.930 146.865 1.052
202306 1.180 150.280 1.305
202309 1.580 151.492 1.733
202312 1.650 152.924 1.793
202403 1.470 153.035 1.596
202406 1.920 155.789 2.048
202409 1.060 157.882 1.115
202412 1.520 158.323 1.595
202503 0.880 157.552 0.928
202506 1.410 159.755 1.466
202509 1.160 162.289 1.188
202512 1.140 163.281 1.160
202603 1.130 164.272 1.143
202606 1.700 166.145 1.700

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹4.93 mean?
Nalin Lease Finance (BOM:531212) has a E10 of ₹4.93 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nalin Lease Finance and its competitors.
Is Nalin Lease Finance's E10 too high?
Nalin Lease Finance's current E10 is ₹4.93. Overall, Nalin Lease Finance has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Nalin Lease Finance's E10 compare to V and MA?
Nalin Lease Finance's E10 of ₹4.93 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Nalin Lease Finance and its competitors. Nalin Lease Finance's current E10 is ₹4.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nalin Lease Finance stock overvalued right now?
Based on GuruFocus' analysis, Nalin Lease Finance (BOM:531212) is currently considered Possible Value Trap. The stock's GF Value™ is ₹55.52, compared to a current price of ₹39.12 — trading 29.5% below its estimated fair value. The current E10 is ₹4.93. Nalin Lease Finance's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Nalin Lease Finance (BOM:531212), the current E10 is ₹4.93 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Nalin Lease Finance (BOM:531212) Overvalued in 2026?

Based on GuruFocus' analysis, Nalin Lease Finance stock appears to be undervalued. The current stock price of ₹39.12 is trading 29.5% below its estimated GF Value™ of ₹55.52. GuruFocus considers Nalin Lease Finance to be Possible Value Trap.

Key valuation signals for BOM:531212:

  • E10: ₹4.93
  • GF Value™: ₹55.52 vs. price of ₹39.12 (29.5% below fair value)
  • GF Score™: 68/100 with 6 warning signs

No single metric tells the full story. See the BOM:531212 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Nalin Lease Finance Business Description

Address Dr. Nalinkant Gandhi Road, Ground Floor, Gandhi Nursing Home Building, Sabarkantha, Himatnagar, GJ, IND, 383001
Nalin Lease Finance Ltd is engaged in providing a wide range of fund-based services, including vehicle loans, lease finance, hire purchase, business loans, and many more. It is also engaged in the gold loan business, offering loans against gold ornaments. The company operates under a single segment, financial services.
68GF Score

Get the complete analysis for BOM:531212

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹39.12
Price
₹55.52
GF Value