NPR Finance Ltd

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

NPR Finance Ltd

₹ 18.0 -4.96%
15 May - close price
nprfinance.com BSE: 530127
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

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

Website BSE
  • Market Cap ₹ 10.8 Cr.
  • Current Price ₹ 18.0
  • High / Low ₹ 25.6 / 12.2
  • Stock P/E 12.4
  • Book Value ₹ 84.8
  • Dividend Yield 0.00 %
  • ROCE -5.18 %
  • ROE -4.02 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.21 times its book value

Cons

  • The company has delivered a poor sales growth of -18.6% over past five years.
  • Company has a low return on equity of -2.00% over last 3 years.
  • Earnings include an other income of Rs.1.02 Cr.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
2.04 0.84 1.82 1.18 1.60 3.02 2.50 2.57 4.23 3.44 2.68 3.33 1.68
1.89 2.26 1.72 1.05 1.78 1.89 2.51 3.02 6.14 3.37 2.46 3.11 1.48
Operating Profit 0.15 -1.42 0.10 0.13 -0.18 1.13 -0.01 -0.45 -1.91 0.07 0.22 0.22 0.20
OPM % 7.35% -169.05% 5.49% 11.02% -11.25% 37.42% -0.40% -17.51% -45.15% 2.03% 8.21% 6.61% 11.90%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 -0.37 0.00 0.00 1.02 0.00
Interest 0.10 0.09 0.05 0.02 0.02 0.04 0.01 0.05 0.08 0.08 0.10 0.15 0.14
Depreciation 0.17 0.18 0.21 0.21 0.21 0.21 0.19 0.19 0.04 0.04 0.04 0.04 0.04
Profit before tax -0.12 -1.69 -0.16 -0.10 -0.41 0.88 -0.21 -0.66 -2.40 -0.05 0.08 1.05 0.02
Tax % -141.67% 31.36% -25.00% -20.00% 87.80% 63.64% -9.52% 128.79% 4.58% -60.00% 37.50% 14.29% 100.00%
-0.29 -1.16 -0.19 -0.13 -0.05 0.31 -0.23 0.19 -2.30 -0.08 0.05 0.90 0.00
EPS in Rs -0.48 -1.94 -0.32 -0.22 -0.08 0.52 -0.38 0.32 -3.84 -0.13 0.08 1.50 0.00
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
60.17 50.78 48.89 47.75 44.00 41.09 35.73 36.61 27.79 5.78 7.63 12.74 11.13
56.39 48.13 45.44 43.34 41.97 36.10 33.28 32.43 25.40 6.07 6.43 15.04 10.42
Operating Profit 3.78 2.65 3.45 4.41 2.03 4.99 2.45 4.18 2.39 -0.29 1.20 -2.30 0.71
OPM % 6.28% 5.22% 7.06% 9.24% 4.61% 12.14% 6.86% 11.42% 8.60% -5.02% 15.73% -18.05% 6.38%
0.07 0.23 -0.08 0.04 0.04 0.03 0.02 0.20 0.46 0.00 0.00 -0.34 1.02
Interest 1.96 0.96 0.42 0.52 0.19 0.81 0.66 0.61 0.40 0.38 0.14 0.22 0.47
Depreciation 0.82 0.79 0.76 0.61 0.62 0.66 0.65 0.68 0.68 0.69 0.85 0.46 0.16
Profit before tax 1.07 1.13 2.19 3.32 1.26 3.55 1.16 3.09 1.77 -1.36 0.21 -3.32 1.10
Tax % 26.17% 32.74% 32.42% 31.02% 67.46% 17.18% -28.45% 18.12% 6.78% 22.06% 123.81% 27.11%
0.79 0.76 1.48 2.28 0.41 2.94 1.49 2.53 1.66 -1.06 -0.05 -2.42 0.87
EPS in Rs 1.32 1.27 2.47 3.81 0.68 4.91 2.49 4.22 2.77 -1.77 -0.08 -4.04 1.45
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: -13%
5 Years: -19%
3 Years: -23%
TTM: -10%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 152%
Stock Price CAGR
10 Years: 5%
5 Years: -1%
3 Years: 15%
1 Year: 25%
Return on Equity
10 Years: 2%
5 Years: 0%
3 Years: -2%
Last Year: -4%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
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 25.55 26.31 27.77 29.88 30.32 33.19 35.43 44.49 47.94 47.91 47.56 43.83 44.78
11.74 2.86 4.31 1.88 2.99 5.38 4.28 3.96 3.40 2.40 0.34 2.81 4.12
6.55 4.27 4.33 3.37 3.42 2.90 2.28 3.31 3.73 4.30 4.57 4.47 2.96
Total Liabilities 49.84 39.44 42.41 41.13 42.73 47.47 47.99 57.76 61.07 60.61 58.47 57.11 57.86
9.77 8.98 8.30 7.52 7.21 6.62 6.62 5.94 5.25 4.95 8.44 4.77 4.68
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 0.00 0.00 0.70 1.53 0.33 0.28 0.34 8.30 10.60 11.91 11.51 9.83 9.83
40.07 30.46 33.41 32.08 35.19 40.57 41.03 43.52 45.22 43.75 38.52 42.51 43.35
Total Assets 49.84 39.44 42.41 41.13 42.73 47.47 47.99 57.76 61.07 60.61 58.47 57.11 57.86

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
5.79 8.25 -0.84 3.16 -0.88 -2.83 1.85 0.79 -0.14 0.38 2.66 -3.51
0.00 0.15 -0.86 -1.03 -0.32 0.82 -0.65 0.20 0.48 -0.40 -0.16 2.86
-5.44 -8.72 1.38 -2.18 1.16 2.17 -1.01 -0.27 -0.54 -1.00 -2.05 2.46
Net Cash Flow 0.35 -0.32 -0.32 -0.05 -0.03 0.16 0.19 0.72 -0.20 -1.02 0.45 1.82

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 19.53 23.58 15.45 4.05 8.21 14.57 17.47 2.89 3.55 109.88 56.45 6.02
Inventory Days 13.14 17.47 17.72 21.79 7.63 3.90 0.12 0.00 0.00 0.00 93.59 20.86
Days Payable 3.36 0.09 1.54 0.51 2.03 0.33 3.49 0.00 0.00
Cash Conversion Cycle 29.31 40.95 31.63 25.34 13.81 18.13 14.10 2.89 3.55 109.88 150.04 26.87
Working Capital Days 117.26 167.55 198.29 214.18 241.65 316.41 368.27 17.45 77.89 450.25 56.93 -23.78
ROCE % 6.61% 4.95% 7.34% 10.13% 3.76% 10.42% 4.05% 6.99% 3.06% -1.72% 0.64% -5.18%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
67.87% 67.87% 67.87% 67.87% 67.87% 67.88% 67.88% 68.02% 68.02% 68.02% 68.02% 68.02%
32.13% 32.13% 32.13% 32.13% 32.13% 32.12% 32.12% 31.97% 31.97% 31.99% 31.97% 31.97%
No. of Shareholders 3,3693,3723,3443,3263,3223,3083,2913,2793,2573,2363,2323,301

Documents

Announcements

Annual reports