A R C Finance Ltd

A R C Finance Ltd

₹ 1.00 0.00%
23 Feb - close price
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

  • Market Cap 50.5 Cr.
  • Current Price 1.00
  • High / Low 1.29 / 0.52
  • Stock P/E
  • Book Value 1.03
  • Dividend Yield 0.00 %
  • ROCE 2.46 %
  • ROE 0.64 %
  • Face Value 1.00

Pros

  • Company has reduced debt.
  • Stock is trading at 0.97 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 2.89% over past five years.
  • Promoter holding is low: 12.0%
  • Company has a low return on equity of 0.51% over last 3 years.
  • Company might be capitalizing the interest cost
  • Debtor days have increased from 35.9 to 67.5 days.
  • Working capital days have increased from 213 days to 494 days

* 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
0.25 3.45 0.38 22.46 4.79 4.96 1.05 0.92 0.41 4.54 0.40 0.48 0.55
0.65 2.99 0.22 22.19 4.51 5.01 0.76 0.76 0.04 3.53 0.20 0.13 0.59
Operating Profit -0.40 0.46 0.16 0.27 0.28 -0.05 0.29 0.16 0.37 1.01 0.20 0.35 -0.04
OPM % -160.00% 13.33% 42.11% 1.20% 5.85% -1.01% 27.62% 17.39% 90.24% 22.25% 50.00% 72.92% -7.27%
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
Interest 0.00 0.00 0.00 0.00 0.01 0.20 0.00 0.01 0.00 1.31 0.02 0.02 0.02
Depreciation 0.02 0.00 0.01 0.01 0.01 0.02 0.00 0.03 0.00 0.04 0.06 0.06 0.06
Profit before tax -0.42 0.46 0.15 0.26 0.26 -0.27 0.29 0.12 0.37 -0.34 0.12 0.27 -0.12
Tax % -4.76% 0.00% 26.67% 38.46% 11.54% 25.93% 24.14% 25.00% 24.32% -23.53% 25.00% 25.93% 25.00%
-0.44 0.46 0.11 0.15 0.23 -0.20 0.21 0.09 0.28 -0.43 0.09 0.20 -0.09
EPS in Rs -0.01 0.01 0.00 0.00 0.00 -0.00 0.00 0.00 0.01 -0.01 0.00 0.00 -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
0.04 0.02 0.01 4.74 3.50 7.78 6.00 4.63 8.28 4.19 32.59 6.92 5.97
0.10 0.07 0.04 4.34 3.06 7.56 5.78 5.10 7.98 3.89 31.94 5.09 4.45
Operating Profit -0.06 -0.05 -0.03 0.40 0.44 0.22 0.22 -0.47 0.30 0.30 0.65 1.83 1.52
OPM % -150.00% -250.00% -300.00% 8.44% 12.57% 2.83% 3.67% -10.15% 3.62% 7.16% 1.99% 26.45% 25.46%
0.01 0.00 0.06 -0.07 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.10 0.02 0.01 0.21 1.32 1.37
Depreciation 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0.03 0.03 0.04 0.05 0.07 0.22
Profit before tax -0.07 -0.06 0.02 0.32 0.42 0.20 0.21 -0.60 0.25 0.25 0.39 0.44 -0.07
Tax % 0.00% 0.00% 100.00% 37.50% 33.33% 30.00% 23.81% 3.33% 0.00% 24.00% 25.64% 25.00%
-0.06 -0.07 0.01 0.20 0.28 0.14 0.15 -0.58 0.24 0.18 0.28 0.33 -0.23
EPS in Rs -0.12 -0.14 0.02 0.00 0.01 0.00 0.00 -0.01 0.00 0.00 0.01 0.01 -0.01
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: 79%
5 Years: 3%
3 Years: -6%
TTM: -19%
Compounded Profit Growth
10 Years: 21%
5 Years: 17%
3 Years: 11%
TTM: -161%
Stock Price CAGR
10 Years: %
5 Years: 56%
3 Years: 36%
1 Year: 25%
Return on Equity
10 Years: 0%
5 Years: 0%
3 Years: 1%
Last Year: 1%

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 0.50 0.50 0.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50 50.50
Reserves 0.41 0.34 0.35 0.06 0.33 0.46 0.61 0.02 0.28 0.46 0.78 1.12 1.42
0.00 0.00 0.01 0.00 0.00 0.00 1.00 7.79 1.01 0.09 25.16 14.76 16.88
0.08 0.07 0.09 0.28 0.53 4.11 4.26 2.57 5.31 3.68 2.83 4.56 4.71
Total Liabilities 0.99 0.91 0.95 50.84 51.36 55.07 56.37 60.88 57.10 54.73 79.27 70.94 73.51
0.12 0.11 0.10 0.04 0.02 0.01 0.14 0.12 0.23 0.19 0.27 1.57 1.46
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 0.75 0.69 0.68 6.98 2.26 0.62 0.47 0.46 0.60 0.35 0.35 0.35 0.44
0.12 0.11 0.17 43.82 49.08 54.44 55.76 60.30 56.27 54.19 78.65 69.02 71.61
Total Assets 0.99 0.91 0.95 50.84 51.36 55.07 56.37 60.88 57.10 54.73 79.27 70.94 73.51

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

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 730.00 1,460.00 2,920.00 0.00 19.81 14.07 130.79 33.11 2.64 4.36 35.73 67.51
Inventory Days 9.75 7.27 148.50 101.80 266.50 175.53 413.25 115.96 1,229.08
Days Payable 0.00 24.72 230.81 267.89 167.23 243.81 428.10 30.11 443.75
Cash Conversion Cycle 730.00 1,460.00 2,920.00 9.75 2.36 -68.23 -35.30 132.38 -65.64 -10.49 121.57 852.85
Working Capital Days 912.50 2,007.50 5,110.00 3,347.37 5,035.96 2,329.81 3,092.16 4,553.43 -33.06 20.04 123.76 494.23
ROCE % -8.51% -6.86% 2.35% 1.52% 0.83% 0.39% 0.45% -0.91% 0.49% 0.51% 0.94% 2.46%

Shareholding Pattern

Numbers in percentages

Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02% 12.02%
87.98% 87.98% 87.98% 87.98% 87.98% 87.98% 87.98% 87.98% 87.98% 87.97% 87.97% 87.97%
No. of Shareholders 1,1441,2271,4271,60346,60171,05674,73680,50482,06893,3251,25,7311,42,377

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