NPR Finance Ltd
₹ 23.8
-0.83%
01 Oct
- close price
About
Incorporated in 1989, NPR Finance Ltd is in the business of Finance and Real Estate.[1]
Key Points
- Market Cap ₹ 14.3 Cr.
- Current Price ₹ 23.8
- High / Low ₹ 39.5 / 18.0
- Stock P/E 54.8
- Book Value ₹ 82.0
- Dividend Yield 0.00 %
- ROCE 0.58 %
- ROE 0.42 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.29 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 -2.59% over past five years.
- Company has a low return on equity of 0.72% 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
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 47.75 | 44.00 | 41.09 | 35.73 | 36.61 | 27.79 | 5.78 | 7.63 | 12.74 | 9.47 | 7.65 | 5.07 | 4.97 | |
| 43.34 | 41.97 | 36.10 | 33.28 | 32.43 | 25.40 | 6.07 | 6.43 | 15.04 | 8.46 | 6.39 | 4.76 | 4.63 | |
| Operating Profit | 4.41 | 2.03 | 4.99 | 2.45 | 4.18 | 2.39 | -0.29 | 1.20 | -2.30 | 1.01 | 1.26 | 0.31 | 0.34 |
| OPM % | 9.24% | 4.61% | 12.14% | 6.86% | 11.42% | 8.60% | -5.02% | 15.73% | -18.05% | 10.67% | 16.47% | 6.11% | 6.84% |
| 0.04 | 0.04 | 0.03 | 0.02 | 0.20 | 0.46 | -0.00 | -0.00 | -0.34 | 1.15 | -0.00 | 0.07 | 0.10 | |
| Interest | 0.52 | 0.19 | 0.81 | 0.66 | 0.61 | 0.40 | 0.38 | 0.14 | 0.22 | 0.53 | 0.37 | 0.03 | 0.04 |
| Depreciation | 0.61 | 0.62 | 0.66 | 0.65 | 0.68 | 0.68 | 0.69 | 0.85 | 0.46 | 0.15 | 0.14 | 0.09 | 0.07 |
| Profit before tax | 3.32 | 1.26 | 3.55 | 1.16 | 3.09 | 1.77 | -1.36 | 0.21 | -3.32 | 1.48 | 0.75 | 0.26 | 0.33 |
| Tax % | 31.02% | 67.46% | 17.18% | -28.45% | 18.12% | 6.78% | -22.06% | 123.81% | -27.11% | 26.35% | 21.33% | 19.23% | |
| 2.28 | 0.41 | 2.94 | 1.49 | 2.53 | 1.66 | -1.06 | -0.05 | -2.42 | 1.09 | 0.59 | 0.21 | 0.26 | |
| EPS in Rs | 3.81 | 0.68 | 4.91 | 2.49 | 4.22 | 2.77 | -1.77 | -0.08 | -4.04 | 1.82 | 0.99 | 0.35 | 0.43 |
| 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: | -19% |
| 5 Years: | -3% |
| 3 Years: | -26% |
| TTM: | -23% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -6% |
| 5 Years: | 17% |
| 3 Years: | 28% |
| TTM: | -49% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 11% |
| 3 Years: | 21% |
| 1 Year: | -33% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 0% |
| 3 Years: | 1% |
| Last Year: | 0% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 29.88 | 30.32 | 33.19 | 35.43 | 44.49 | 47.94 | 47.91 | 47.56 | 43.83 | 41.25 | 44.08 | 43.10 |
| 1.88 | 2.99 | 5.38 | 4.28 | 3.96 | 3.40 | 2.40 | 0.34 | 2.81 | 3.77 | 0.63 | 0.35 | |
| 3.37 | 3.42 | 2.90 | 2.28 | 3.31 | 3.73 | 4.30 | 4.57 | 4.47 | 1.70 | 1.55 | 1.10 | |
| Total Liabilities | 41.13 | 42.73 | 47.47 | 47.99 | 57.76 | 61.07 | 60.61 | 58.47 | 57.11 | 52.72 | 52.26 | 50.55 |
| 7.52 | 7.21 | 6.62 | 6.62 | 5.94 | 5.25 | 4.95 | 8.44 | 4.77 | 4.62 | 4.51 | 4.59 | |
| 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 | 1.53 | 0.33 | 0.28 | 0.34 | 8.30 | 10.60 | 11.91 | 11.51 | 9.83 | 5.09 | 7.02 | 5.27 |
| 32.08 | 35.19 | 40.57 | 41.03 | 43.52 | 45.22 | 43.75 | 38.52 | 42.51 | 43.01 | 40.73 | 40.69 | |
| Total Assets | 41.13 | 42.73 | 47.47 | 47.99 | 57.76 | 61.07 | 60.61 | 58.47 | 57.11 | 52.72 | 52.26 | 50.55 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3.16 | -0.88 | -2.83 | 1.85 | 0.79 | -0.14 | 0.38 | 2.66 | -3.51 | -4.07 | 2.99 | 0.38 | |
| -1.03 | -0.32 | 0.82 | -0.65 | 0.20 | 0.48 | -0.40 | -0.16 | 2.86 | 1.01 | -0.02 | -0.16 | |
| -2.18 | 1.16 | 2.17 | -1.01 | -0.27 | -0.54 | -1.00 | -2.05 | 2.46 | 0.96 | -3.08 | -0.28 | |
| Net Cash Flow | -0.05 | -0.03 | 0.16 | 0.19 | 0.72 | -0.20 | -1.02 | 0.45 | 1.82 | -2.10 | -0.11 | -0.06 |
| Free Cash Flow | 3.16 | -1.20 | -2.91 | 1.19 | 0.99 | 0.34 | -0.02 | 2.50 | -0.65 | -3.06 | 2.97 | 0.22 |
| CFO/OP | 105% | -19% | -32% | 95% | 30% | 21% | -176% | 242% | 141% | -372% | 237% | 123% |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 4.05 | 8.21 | 14.57 | 17.47 | 2.89 | 3.55 | 109.88 | 56.45 | 6.02 | 0.39 | 0.95 | 5.04 |
| Inventory Days | 21.79 | 7.63 | 3.90 | 0.12 | -0.00 | -0.00 | -0.00 | 93.59 | 20.86 | 7.25 | 43.14 | 197.40 |
| Days Payable | 0.51 | 2.03 | 0.33 | 3.49 | -0.00 | -0.00 | 2.72 | -0.00 | -0.00 | |||
| Cash Conversion Cycle | 25.34 | 13.81 | 18.13 | 14.10 | 2.89 | 3.55 | 109.88 | 150.04 | 26.87 | 4.91 | 44.09 | 202.44 |
| Working Capital Days | 200.50 | 218.75 | 270.31 | 330.68 | 17.45 | 76.57 | 450.25 | 56.93 | -23.78 | 23.90 | 6.68 | 51.11 |
| ROCE % | 10.13% | 3.76% | 10.42% | 4.05% | 6.99% | 3.06% | -1.72% | 0.64% | -5.18% | 1.68% | 2.20% | 0.58% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Number of Branches count |
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| Number of Employees count |
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| Total Loan Book (Gross) INR lakhs |
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| Group Loan (JLG) INR lakhs |
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| Loans to Bodies Corporate & Individuals INR lakhs |
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| Personal + Hypothecation Loans INR lakhs |
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| Gross Non-Performing Assets INR lakhs |
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| Capital to Risk Weighted Assets Ratio (CRAR) % |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- ENCLOSED PLEASE FIND HEREWITH BI-MONTHLY NEWSPAPER PUBLICATION REGARDING SPECIAL WINDOW.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
- AGM approved reappointment of Ms. Sarika Mehra as Executive Director for three years.
-
Announcement under Regulation 30 (LODR)-Change in Management
- Shareholders approved Ms. Sarika Mehra’s re-appointment as Executive Director at 37th AGM on 24 September 2026.
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
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Shareholder Meeting / Postal Ballot-Outcome of AGM
- 37th AGM held on 24 September 2026; shareholders considered audited results, director reappointment, and related party transactions.
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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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.