NPR Finance Ltd
₹ 26.5
1.42%
23 Jul
11:48 a.m.
About
Incorporated in 1989, NPR Finance Ltd is a Non Banking Non-Deposit taking Company engaged in Financial activities of granting of loan covered by Hypothecation Agreements, Unsecured personal loan, Inter Corporate Deposits and Shares & Securities
Key Points
- Market Cap ₹ 15.9 Cr.
- Current Price ₹ 26.5
- High / Low ₹ 38.9 / 20.0
- Stock P/E 26.9
- Book Value ₹ 83.6
- 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 0.31 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 -23.7% over past five years.
- Company has a low return on equity of -0.83% over last 3 years.
- Earnings include an other income of Rs.0.48 Cr.
- 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 48.89 | 47.75 | 44.00 | 41.09 | 35.73 | 36.61 | 27.79 | 5.78 | 7.63 | 12.74 | 9.47 | 7.17 | |
| 45.44 | 43.34 | 41.97 | 36.10 | 33.28 | 32.43 | 25.40 | 6.07 | 6.43 | 15.04 | 8.46 | 6.39 | |
| Operating Profit | 3.45 | 4.41 | 2.03 | 4.99 | 2.45 | 4.18 | 2.39 | -0.29 | 1.20 | -2.30 | 1.01 | 0.78 |
| OPM % | 7.06% | 9.24% | 4.61% | 12.14% | 6.86% | 11.42% | 8.60% | -5.02% | 15.73% | -18.05% | 10.67% | 10.88% |
| -0.08 | 0.04 | 0.04 | 0.03 | 0.02 | 0.20 | 0.46 | 0.00 | 0.00 | -0.34 | 1.15 | 0.48 | |
| 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 |
| 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 |
| 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 |
| 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 | |
| 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 |
| 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: | -24% |
| 3 Years: | -2% |
| TTM: | -24% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -13% |
| 5 Years: | -14% |
| 3 Years: | 140% |
| TTM: | 136% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 15% |
| 3 Years: | 27% |
| 1 Year: | 24% |
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 4.31 | 1.88 | 2.99 | 5.38 | 4.28 | 3.96 | 3.40 | 2.40 | 0.34 | 2.81 | 3.77 | 0.63 | |
| 4.33 | 3.37 | 3.42 | 2.90 | 2.28 | 3.31 | 3.73 | 4.30 | 4.57 | 4.47 | 1.70 | 1.55 | |
| 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 |
| 8.30 | 7.52 | 7.21 | 6.62 | 6.62 | 5.94 | 5.25 | 4.95 | 8.44 | 4.77 | 4.62 | 4.51 | |
| 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 |
| 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 |
| 33.41 | 32.08 | 35.19 | 40.57 | 41.03 | 43.52 | 45.22 | 43.75 | 38.52 | 42.51 | 43.01 | 40.73 | |
| 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 |
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 | 1.02 |
| 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 | 0.00 | 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 | 7.63 | 44.15 |
| Working Capital Days | 198.29 | 214.18 | 241.65 | 316.41 | 368.27 | 17.45 | 77.89 | 450.25 | 56.93 | -23.78 | 23.90 | 19.34 |
| 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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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
8 Jul - FIND ENCLOSED HEREWITH THE DISCLOSURE UNDER REGULATION 74(5) OF THE SEBI (DEPOSITORIES AND PARTICIPANTS) REGULATIONS, 2018 FOR THE QUARTER ENDED 30TH JUNE, 2025.
-
Closure of Trading Window
20 Jun - Trading window closed from July 1, 2025, till 48 hours after June quarter results declaration.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
31 May - ENCLOSED PLEASE FIND HEREWITH NEWSPAPER PUBLICATION AS PUBLISHED ON 31/05/2025 REGARDING PUBLICATION OF FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED 31.03.2025.
-
RECONSTITUTED CODE OF PRACTICES AND PROCEDURES FOR FAIR DISCLOSURE OF UPSI .
30 May - NPR Finance reconstitutes Code for Fair Disclosure of UPSI per SEBI regulations on May 30, 2025.
-
APPOINTMENT OF SECRETARIAL AUDITOR FOR A TERM OF FIVE YEARS SUBJECT TO APPROVAL OF SHAREHOLDERS.
30 May - Re-appointment of Secretarial Auditor M/s M Shahnawaz & Associates for five years from April 2025.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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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
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
Services Offered:
a) Financing:[1] Company provides three wheeler finance for passengers as well as load applications. It also finances personal loan, used commercial vehicles and cars.
b) Money Changing:[2] Company provides sale and encashment of all major Currencies & Travelers cheques and BTM cards. Company appoints franchisees to carry on the process of Restricted Money Changing Activity.
c) Power Generation:[3] Company has setup 2 wind turbine generators of 1.25 MW capacity each at Dhule & Sangli in Maharashtra for generation of Wind Power
d) Real Estate:[4] Company has recently ventured in the business of Real Estate Development