NPR Finance Ltd

NPR Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

NPR Finance Ltd

₹ 21.0 10.47%
01 Apr - close price
nprfinance.com BSE: 530127
About

Incorporated in 1989, NPR Finance Ltd is in the business of Finance and Real Estate.[1]

Key Points

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.

Website BSE
  • Market Cap ₹ 12.6 Cr.
  • Current Price ₹ 21.0
  • High / Low ₹ 40.5 / 18.0
  • Stock P/E 62.8
  • Book Value ₹ 83.7
  • Dividend Yield 0.00 %
  • ROCE 2.20 %
  • ROE 1.21 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.25 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.

* 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

Financial Services Financial Services Finance Other Financial Services

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
4.23 3.44 2.68 3.33 1.68 1.77 1.83 1.90 1.50 1.95 1.13 1.46 1.46
6.14 3.37 2.46 3.11 1.48 1.43 1.46 1.69 1.29 1.96 0.98 1.48 1.17
Operating Profit -1.91 0.07 0.22 0.22 0.20 0.34 0.37 0.21 0.21 -0.01 0.15 -0.02 0.29
OPM % -45.15% 2.03% 8.21% 6.61% 11.90% 19.21% 20.22% 11.05% 14.00% -0.51% 13.27% -1.37% 19.86%
-0.37 0.00 0.00 1.02 0.00 0.15 0.00 0.00 0.45 0.04 0.01 0.00 0.00
Interest 0.08 0.08 0.10 0.15 0.14 0.13 0.12 0.11 0.09 0.05 0.00 0.01 0.01
Depreciation 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.02 0.02
Profit before tax -2.40 -0.05 0.08 1.05 0.02 0.32 0.21 0.06 0.53 -0.05 0.13 -0.05 0.26
Tax % -4.58% 60.00% 37.50% 14.29% 100.00% 59.38% -4.76% 233.33% 1.89% 60.00% -15.38% 140.00% 0.00%
-2.30 -0.08 0.05 0.90 0.00 0.14 0.22 -0.08 0.53 -0.08 0.14 -0.12 0.26
EPS in Rs -3.84 -0.13 0.08 1.50 0.00 0.23 0.37 -0.13 0.88 -0.13 0.23 -0.20 0.43
Raw PDF

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 6.00
45.44 43.34 41.97 36.10 33.28 32.43 25.40 6.07 6.43 15.04 8.46 6.39 5.59
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 0.41
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% 6.83%
-0.08 0.04 0.04 0.03 0.02 0.20 0.46 0.00 0.00 -0.34 1.15 0.00 0.05
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 0.07
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 0.10
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 0.29
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 0.20
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 0.33
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: -14%
Compounded Profit Growth
10 Years: -13%
5 Years: -14%
3 Years: 140%
TTM: -74%
Stock Price CAGR
10 Years: 5%
5 Years: 10%
3 Years: 18%
1 Year: -18%
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
Free Cash Flow -1.00 3.16 -1.20 -2.91 1.19 0.99 0.34 -0.02 2.50 -0.65 -3.06 2.97
CFO/OP -0% 105% -19% -32% 95% 30% 21% -176% 242% 141% -372% 237%

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%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net NPA Percentage
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Number of Branches
Number
Number of Permanent Employees
Number
Total Gross Loans Outstanding
₹ in Lakhs
Wind Power Income
₹ in Lakhs
Wind Power Generation Capacity
MW

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02% 68.02%
31.97% 31.97% 31.99% 31.97% 31.97% 31.98% 31.98% 31.98% 31.97% 31.98% 31.98% 31.98%
No. of Shareholders 3,2793,2573,2363,2323,3013,2973,3643,6453,6513,6383,5813,589

Documents

Announcements

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