Northern ARC Capital Ltd

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

Northern ARC Capital Ltd

₹ 269 2.19%
07 Nov - close price
northernarc.com BSE: 544260 NSE: NORTHARC
About

Founded in 2009, Northern Arc Capital Limited offers retail loans to underserved households and businesses in India.[1]

Key Points

Business Profile[1] Northern ARC Capital is a diversified financial services platform addressing credit needs of underserved households and businesses in India. Over the past 15 years, it has facilitated financing of over ₹1.73 lakh crore, impacting 10.18 crore lives.

Website BSE NSE
  • Market Cap ₹ 4,345 Cr.
  • Current Price ₹ 269
  • High / Low ₹ 290 / 141
  • Stock P/E 12.5
  • Book Value ₹ 227
  • Dividend Yield 0.00 %
  • ROCE 10.3 %
  • ROE 12.3 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.19 times its book value
  • Company has delivered good profit growth of 30.8% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.0% 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 Non Banking Financial Company (NBFC)

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
424 473 543 561 573 560 590 591 606
151 197 237 244 216 214 343 237 270
Operating Profit 274 276 306 318 357 346 247 354 336
OPM % 64% 58% 56% 57% 62% 62% 42% 60% 55%
2 1 11 4 1 4 3 2 1
Interest 174 184 204 209 205 211 198 214 206
Depreciation 4 4 4 3 3 5 4 4 4
Profit before tax 98 89 109 109 150 134 48 138 127
Tax % 26% 26% 25% 26% 25% 24% 3% 25% 25%
73 66 82 81 112 102 47 104 95
EPS in Rs 8.17 7.42 9.17 9.11 6.95 6.34 2.90 6.42 5.87
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
562 601 643 868 1,254 1,830 2,286 2,346
127 154 240 227 387 726 1,015 1,064
Operating Profit 435 447 403 641 867 1,103 1,272 1,282
OPM % 77% 74% 63% 74% 69% 60% 56% 55%
16 0 3 6 4 15 10 11
Interest 302 310 323 411 558 728 825 828
Depreciation 3 7 7 9 10 15 15 18
Profit before tax 146 131 76 227 303 375 442 447
Tax % 39% 31% 27% 28% 26% 25% 22%
89 90 56 164 225 280 343 347
EPS in Rs 11.40 10.24 6.37 18.42 25.31 31.34 21.23 21.53
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 31%
3 Years: 38%
TTM: 9%
Compounded Profit Growth
10 Years: %
5 Years: 31%
3 Years: 28%
TTM: 2%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 6%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 13%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 78 87 88 89 89 89 161 162
Reserves 993 1,323 1,388 1,538 1,755 2,078 3,248 3,502
2,980 3,004 4,015 6,066 7,117 9,130 9,784 10,259
77 69 85 142 243 321 327 369
Total Liabilities 4,129 4,483 5,576 7,835 9,205 11,620 13,521 14,292
4 23 21 19 43 48 68 71
CWIP 3 1 1 0 1 2 6 0
Investments 1,049 1,048 1,253 1,639 1,697 1,653 1,957 2,334
3,073 3,411 4,302 6,177 7,464 9,917 11,490 11,886
Total Assets 4,129 4,483 5,576 7,835 9,205 11,620 13,521 14,292

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-114 -90 -977 -1,329 -1,292 -2,140 -1,054
35 -1 356 -377 -174 49 -398
81 233 684 2,023 966 2,048 1,612
Net Cash Flow 2 142 63 316 -500 -43 160

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 10 5 8 8 6 3 2
Inventory Days
Days Payable
Cash Conversion Cycle 10 5 8 8 6 3 2
Working Capital Days -331 -6 -14 3 -26 -26 -23
ROCE % 10% 8% 10% 10% 11% 10%

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
4.68% 4.28% 5.23% 9.16% 7.58%
23.36% 23.13% 22.52% 6.89% 7.44%
71.91% 72.54% 72.20% 83.97% 84.95%
0.06% 0.06% 0.06% 0.00% 0.01%
No. of Shareholders 1,24,9811,15,0601,10,0981,11,0371,04,045

* 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.

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Documents

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