ARC Finance Ltd

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

ARC Finance Ltd

₹ 0.85 4.94%
18 Sep 12:11 p.m.
arcfinance.in BSE: 540135
About

Incorporated in 1982, ARC Finance Ltd provides various financial services[1]

Key Points

Services Offered:[1][2]
Company trades in shares and lends Secure and Unsecured loans. It also accepts loans-advances and offers variety of financial services to its customers. Company is diversified into different businesses ranging from third party product distributions to originating unsecured personal loans, corporate loans

Website BSE
  • Market Cap ₹ 74.1 Cr.
  • Current Price ₹ 0.85
  • High / Low ₹ 2.91 / 0.80
  • Stock P/E 66.8
  • Book Value ₹ 1.13
  • Dividend Yield 0.00 %
  • ROCE 7.44 %
  • ROE 4.43 %
  • Face Value ₹ 1.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.75 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 6.97%
  • Company has a low return on equity of 2.20% over last 3 years.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -5.05%

* 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

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
1.05 0.92 0.41 4.54 0.40 0.48 0.55 7.82 0.60 12.37 6.67 3.65 0.81
0.76 0.76 0.04 3.53 0.20 0.13 0.59 7.67 -3.59 6.33 5.03 8.13 0.57
Operating Profit 0.29 0.16 0.37 1.01 0.20 0.35 -0.04 0.15 4.19 6.04 1.64 -4.48 0.24
OPM % 27.62% 17.39% 90.24% 22.25% 50.00% 72.92% -7.27% 1.92% 698.33% 48.83% 24.59% -122.74% 29.63%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.89 -0.06 0.00
Interest 0.00 0.01 0.00 1.31 0.02 0.02 0.02 0.03 0.01 1.42 0.24 0.01 0.01
Depreciation 0.00 0.03 0.00 0.04 0.06 0.06 0.06 0.03 0.05 0.05 0.05 0.13 0.05
Profit before tax 0.29 0.12 0.37 -0.34 0.12 0.27 -0.12 0.09 4.13 4.57 0.46 -4.68 0.18
Tax % 24.14% 25.00% 24.32% 23.53% 25.00% 25.93% -25.00% 22.22% 25.91% 26.04% 26.09% -26.07% 27.78%
0.21 0.09 0.28 -0.43 0.09 0.20 -0.09 0.07 3.06 3.38 0.34 -3.46 0.13
EPS in Rs 0.00 0.00 0.00 -0.00 0.00 0.00 -0.00 0.00 0.03 0.04 0.00 -0.04 0.00
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
0.01 4.74 3.50 7.78 6.00 4.63 8.28 4.19 32.59 6.92 9.24 23.30 23.50
0.04 4.34 3.06 7.56 5.78 5.10 7.98 3.89 31.94 5.09 8.59 16.92 20.06
Operating Profit -0.03 0.40 0.44 0.22 0.22 -0.47 0.30 0.30 0.65 1.83 0.65 6.38 3.44
OPM % -300.00% 8.44% 12.57% 2.83% 3.67% -10.15% 3.62% 7.16% 1.99% 26.45% 7.03% 27.38% 14.64%
0.06 -0.07 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.01 0.00 -0.95
Interest 0.00 0.00 0.00 0.00 0.02 0.10 0.02 0.01 0.21 1.32 0.09 1.70 1.68
Depreciation 0.01 0.01 0.02 0.02 0.02 0.03 0.03 0.04 0.05 0.07 0.20 0.20 0.28
Profit before tax 0.02 0.32 0.42 0.20 0.21 -0.60 0.25 0.25 0.39 0.44 0.37 4.48 0.53
Tax % 100.00% 37.50% 33.33% 30.00% 23.81% -3.33% 0.00% 24.00% 25.64% 25.00% 27.03% 25.89%
0.01 0.20 0.28 0.14 0.15 -0.58 0.24 0.18 0.28 0.33 0.27 3.31 0.39
EPS in Rs 0.01 0.00 0.00 0.00 0.00 -0.01 0.00 0.00 0.00 0.00 0.00 0.04 0.00
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: -11%
TTM: 149%
Compounded Profit Growth
10 Years: 29%
5 Years: 69%
3 Years: 128%
TTM: -66%
Stock Price CAGR
10 Years: %
5 Years: 63%
3 Years: 4%
1 Year: -54%
Return on Equity
10 Years: 1%
5 Years: 2%
3 Years: 2%
Last Year: 4%

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 0.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 87.15
Reserves 0.35 0.06 0.33 0.46 0.61 0.02 0.28 0.46 0.78 1.12 0.68 11.17
0.01 0.00 0.00 0.00 1.00 7.79 1.01 0.09 25.16 14.76 16.09 0.58
0.09 0.28 0.53 4.11 4.26 2.57 5.31 3.68 2.83 4.56 4.24 1.45
Total Liabilities 0.95 50.84 51.36 55.07 56.37 60.88 57.10 54.73 79.27 70.94 71.51 100.35
0.10 0.04 0.02 0.01 0.14 0.12 0.23 0.19 0.27 1.57 1.37 1.27
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 0.68 6.98 2.26 0.62 0.47 0.46 0.60 0.35 0.35 0.35 0.30 2.62
0.17 43.82 49.08 54.44 55.76 60.30 56.27 54.19 78.65 69.02 69.84 96.46
Total Assets 0.95 50.84 51.36 55.07 56.37 60.88 57.10 54.73 79.27 70.94 71.51 100.35

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
0.00 -43.13 -4.50 -1.59 -0.13 -0.10 0.18 1.20 -10.45 -9.04 -11.57 -40.34
0.01 -6.71 4.72 1.55 0.00 0.00 -0.28 0.56 -13.27 6.99 9.68 -2.90
0.00 50.00 0.00 0.00 0.00 0.00 0.00 -0.91 25.07 0.73 1.32 43.99
Net Cash Flow 0.01 0.15 0.22 -0.04 -0.13 -0.10 -0.11 0.85 1.35 -1.33 -0.57 0.74

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 2,920.00 0.00 19.81 14.07 130.79 33.11 2.64 4.36 35.73 67.51 48.98 0.78
Inventory Days 9.75 7.27 148.50 101.80 266.50 175.53 413.25 115.96 1,229.08 1,076.47 571.35
Days Payable 0.00 24.72 230.81 267.89 167.23 243.81 428.10 30.11 443.75 4.17 0.24
Cash Conversion Cycle 2,920.00 9.75 2.36 -68.23 -35.30 132.38 -65.64 -10.49 121.57 852.85 1,121.29 571.89
Working Capital Days 4,745.00 3,347.37 5,035.96 2,329.81 3,031.32 3,939.32 -33.06 20.04 123.76 494.23 817.69 376.28
ROCE % 2.35% 1.52% 0.83% 0.39% 0.45% -0.91% 0.49% 0.51% 0.94% 2.46% 0.69% 7.44%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 6.97% 6.97% 6.97%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.06% 0.06% 0.06%
87.98% 87.98% 87.98% 87.97% 87.97% 87.97% 87.97% 87.99% 87.98% 92.98% 92.97% 92.97%
No. of Shareholders 74,73680,50482,06893,3251,25,7311,42,3771,82,2282,37,4412,61,8192,95,5953,12,6363,47,460

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

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