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 15.2
  • Book Value ₹ 213
  • Dividend Yield 0.00 %
  • ROCE 9.87 %
  • ROE 10.8 %
  • Face Value ₹ 10.0
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Pros

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 12.7% 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
401 437 492 564 578 585 576 603 605 627
126 154 200 242 246 244 267 367 283 295
Operating Profit 275 283 292 322 332 341 309 236 323 333
OPM % 68% 65% 59% 57% 57% 58% 54% 39% 53% 53%
4 3 5 1 5 1 5 4 2 1
Interest 164 174 184 204 209 205 214 200 216 208
Depreciation 3 4 5 5 4 3 6 5 4 5
Profit before tax 112 107 108 114 123 134 94 35 104 121
Tax % 19% 26% 24% 25% 24% 28% 22% -10% 25% 25%
91 79 82 86 94 96 73 38 78 91
EPS in Rs 9.85 8.59 8.45 9.94 10.45 6.05 4.69 2.34 5.02 5.68
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
370 602 682 911 1,306 1,891 2,344 2,411
96 135 255 247 419 739 1,120 1,211
Operating Profit 274 467 427 663 888 1,152 1,224 1,200
OPM % 74% 78% 63% 73% 68% 61% 52% 50%
0 16 3 6 5 15 11 12
Interest 176 303 324 411 559 730 832 838
Depreciation 1 5 7 10 12 17 18 20
Profit before tax 97 175 100 248 321 420 386 354
Tax % 34% 34% 23% 27% 25% 24% 22%
64 115 77 182 242 318 301 281
EPS in Rs 8.14 12.65 7.68 19.40 25.83 34.49 18.87 17.73
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 37%
TTM: 9%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 21%
TTM: -19%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 6%
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 78 78 88 89 89 89 161
Reserves 397 1,014 1,412 1,568 1,784 2,142 3,273
2,363 3,001 4,015 6,066 7,117 9,130 9,860
106 186 182 251 381 345 344
Total Liabilities 2,945 4,279 5,696 7,973 9,371 11,707 13,638
5 5 22 24 51 57 76
CWIP 0 3 1 0 1 2 6
Investments 1,150 1,193 1,383 1,766 1,790 1,785 2,052
1,789 3,077 4,291 6,183 7,529 9,863 11,504
Total Assets 2,945 4,279 5,696 7,973 9,371 11,707 13,638

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-336 -711 -1,326 -1,296 -2,134 -1,047
-36 -201 -386 -115 36 -388
375 977 2,028 928 2,045 1,586
Net Cash Flow 4 65 317 -483 -53 151

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 10 10 8 8 5 3
Inventory Days
Days Payable
Cash Conversion Cycle 0 10 10 8 8 5 3
Working Capital Days -41 -9 -15 0 -24 -24 -26
ROCE % 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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