NPR Finance Ltd
₹ 30.0
0.27%
12 Dec
- close price
About
Incorporated in 1989, NPR Finance Ltd is in the business of Finance and Real Estate.[1]
Key Points
- Market Cap ₹ 18.0 Cr.
- Current Price ₹ 30.0
- High / Low ₹ 40.5 / 20.0
- Stock P/E 38.3
- Book Value ₹ 83.7
- Dividend Yield 0.00 %
- ROCE 2.20 %
- ROE 1.21 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.36 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -22.7% over past five years.
- Company has a low return on equity of -0.83% over last 3 years.
- Company's cost of borrowing seems high
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 48.89 | 47.75 | 44.00 | 41.09 | 35.73 | 36.61 | 27.79 | 5.78 | 7.63 | 12.74 | 9.47 | 7.65 | 6.04 | |
| 45.44 | 43.34 | 41.97 | 36.10 | 33.28 | 32.43 | 25.40 | 6.07 | 6.43 | 15.04 | 8.46 | 6.39 | 5.71 | |
| Operating Profit | 3.45 | 4.41 | 2.03 | 4.99 | 2.45 | 4.18 | 2.39 | -0.29 | 1.20 | -2.30 | 1.01 | 1.26 | 0.33 |
| OPM % | 7.06% | 9.24% | 4.61% | 12.14% | 6.86% | 11.42% | 8.60% | -5.02% | 15.73% | -18.05% | 10.67% | 16.47% | 5.46% |
| -0.08 | 0.04 | 0.04 | 0.03 | 0.02 | 0.20 | 0.46 | -0.00 | -0.00 | -0.34 | 1.15 | -0.00 | 0.50 | |
| Interest | 0.42 | 0.52 | 0.19 | 0.81 | 0.66 | 0.61 | 0.40 | 0.38 | 0.14 | 0.22 | 0.53 | 0.37 | 0.15 |
| Depreciation | 0.76 | 0.61 | 0.62 | 0.66 | 0.65 | 0.68 | 0.68 | 0.69 | 0.85 | 0.46 | 0.15 | 0.14 | 0.12 |
| Profit before tax | 2.19 | 3.32 | 1.26 | 3.55 | 1.16 | 3.09 | 1.77 | -1.36 | 0.21 | -3.32 | 1.48 | 0.75 | 0.56 |
| Tax % | 32.42% | 31.02% | 67.46% | 17.18% | -28.45% | 18.12% | 6.78% | -22.06% | 123.81% | -27.11% | 26.35% | 21.33% | |
| 1.48 | 2.28 | 0.41 | 2.94 | 1.49 | 2.53 | 1.66 | -1.06 | -0.05 | -2.42 | 1.09 | 0.59 | 0.47 | |
| EPS in Rs | 2.47 | 3.81 | 0.68 | 4.91 | 2.49 | 4.22 | 2.77 | -1.77 | -0.08 | -4.04 | 1.82 | 0.99 | 0.78 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -17% |
| 5 Years: | -23% |
| 3 Years: | 0% |
| TTM: | -16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -13% |
| 5 Years: | -14% |
| 3 Years: | 140% |
| TTM: | 104% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 20% |
| 3 Years: | 25% |
| 1 Year: | -1% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | -1% |
| 3 Years: | -1% |
| Last Year: | 1% |
Balance Sheet
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 |
| Reserves | 27.77 | 29.88 | 30.32 | 33.19 | 35.43 | 44.49 | 47.94 | 47.91 | 47.56 | 43.83 | 41.25 | 44.08 | 44.13 |
| 4.31 | 1.88 | 2.99 | 5.38 | 4.28 | 3.96 | 3.40 | 2.40 | 0.34 | 2.81 | 3.77 | 0.63 | 0.27 | |
| 4.33 | 3.37 | 3.42 | 2.90 | 2.28 | 3.31 | 3.73 | 4.30 | 4.57 | 4.47 | 1.70 | 1.55 | 1.59 | |
| Total Liabilities | 42.41 | 41.13 | 42.73 | 47.47 | 47.99 | 57.76 | 61.07 | 60.61 | 58.47 | 57.11 | 52.72 | 52.26 | 51.99 |
| 8.30 | 7.52 | 7.21 | 6.62 | 6.62 | 5.94 | 5.25 | 4.95 | 8.44 | 4.77 | 4.62 | 4.51 | 4.46 | |
| CWIP | -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 |
| Investments | 0.70 | 1.53 | 0.33 | 0.28 | 0.34 | 8.30 | 10.60 | 11.91 | 11.51 | 9.83 | 5.09 | 7.02 | 7.02 |
| 33.41 | 32.08 | 35.19 | 40.57 | 41.03 | 43.52 | 45.22 | 43.75 | 38.52 | 42.51 | 43.01 | 40.73 | 40.51 | |
| Total Assets | 42.41 | 41.13 | 42.73 | 47.47 | 47.99 | 57.76 | 61.07 | 60.61 | 58.47 | 57.11 | 52.72 | 52.26 | 51.99 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.84 | 3.16 | -0.88 | -2.83 | 1.85 | 0.79 | -0.14 | 0.38 | 2.66 | -3.51 | -4.07 | 2.99 | |
| -0.86 | -1.03 | -0.32 | 0.82 | -0.65 | 0.20 | 0.48 | -0.40 | -0.16 | 2.86 | 1.01 | -0.02 | |
| 1.38 | -2.18 | 1.16 | 2.17 | -1.01 | -0.27 | -0.54 | -1.00 | -2.05 | 2.46 | 0.96 | -3.08 | |
| Net Cash Flow | -0.32 | -0.05 | -0.03 | 0.16 | 0.19 | 0.72 | -0.20 | -1.02 | 0.45 | 1.82 | -2.10 | -0.11 |
Ratios
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 15.45 | 4.05 | 8.21 | 14.57 | 17.47 | 2.89 | 3.55 | 109.88 | 56.45 | 6.02 | 0.39 | 0.95 |
| Inventory Days | 17.72 | 21.79 | 7.63 | 3.90 | 0.12 | -0.00 | -0.00 | -0.00 | 93.59 | 20.86 | 7.25 | 43.14 |
| Days Payable | 1.54 | 0.51 | 2.03 | 0.33 | 3.49 | -0.00 | -0.00 | 2.72 | -0.00 | |||
| Cash Conversion Cycle | 31.63 | 25.34 | 13.81 | 18.13 | 14.10 | 2.89 | 3.55 | 109.88 | 150.04 | 26.87 | 4.91 | 44.09 |
| Working Capital Days | 169.10 | 200.50 | 218.75 | 270.31 | 330.68 | 17.45 | 76.57 | 450.25 | 56.93 | -23.78 | 23.90 | 6.68 |
| ROCE % | 7.34% | 10.13% | 3.76% | 10.42% | 4.05% | 6.99% | 3.06% | -1.72% | 0.64% | -5.18% | 1.68% | 2.20% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
15 Nov - ENCLOSED PLEASE FIND HEREWITH NEWSPAPER PUBLICATION AS PUBLISHED ON 15.11.2025 REGARDING PUBLICATION OF UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND SIX MONTHS ENDED 30.09.2025.
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CLOSURE OF AHMEDABAD BRANCH WITH EFFECT FROM 01/03/2026.
14 Nov - NPR Finance to close Ahmedabad branch effective 01.03.2026; board approved on 14.11.2025.
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Board Meeting Outcome for OUTCOME OF BOARD MEETING DATED 14/11/2025
14 Nov - Approved unaudited Q2/H1 results (30 Sep 2025) with limited review; Ahmedabad branch to close 1 Mar 2026.
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OUTCOME OF BOARD MEETING ENDED RESULTS - QTR AND SIX MONTHS ENDED 30/09/2025
14 Nov - Board approved unaudited Q2/H1 results (Sep 30, 2025); Ahmedabad branch closing effective 1 Mar 2026.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
6 Nov - ENCLOSED PLEASE FIND HEREWITH CORRIGENDUM TO NEWSPAPER PUBLICATION REGARDING OPENING OF SPECIAL WINDOW FOR RELODGEMENT OF TRANSFER REQUEST OF PHYSICAL SHARES.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Business Overview:[1][2]
NPRFL is a non-systemically Important Non-Banking Financial (Non-Deposit taking Accepting or Holding) Company and is primarily
engaged in the business of financing and providing loans Its financial activities consist of granting of Group loan under Joint Liability, granting of loan against Hypothecation of vehicles, unsecured personal loan, Inter Corporate Deposits, Trading, and investment in Shares and Securities.