Northern Arc Capital Ltd

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

Northern Arc Capital Ltd

₹ 281 -2.83%
15 May - 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 the credit needs
of underserved households and businesses in India. The company has facilitated financing of over Rs. 2.3 lakh crore, impacting 130 Mn+ lives.

Website BSE NSE
  • Market Cap ₹ 4,543 Cr.
  • Current Price ₹ 281
  • High / Low ₹ 322 / 195
  • Stock P/E 11.2
  • Book Value ₹ 241
  • Dividend Yield 0.00 %
  • ROCE 9.71 %
  • ROE 11.1 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.17 times its book value
  • Company has delivered good profit growth of 43.2% 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 11.9% 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 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 Dec 2025 Mar 2026
401 437 492 564 578 585 576 603 605 627 721 742
Interest 164 174 184 204 209 205 214 200 216 208 231 239
126 154 200 242 246 244 267 367 283 295 354 326
Financing Profit 111 108 108 118 123 136 95 36 106 125 136 177
Financing Margin % 28% 25% 22% 21% 21% 23% 17% 6% 18% 20% 19% 24%
4 3 5 1 5 1 5 4 2 1 4 3
Depreciation 3 4 5 5 4 3 6 5 4 5 5 5
Profit before tax 112 107 108 114 123 134 94 35 104 121 135 176
Tax % 19% 26% 24% 25% 24% 28% 22% -10% 25% 25% 24% 24%
91 79 82 86 94 96 73 38 78 91 102 133
EPS in Rs 9.85 8.59 8.45 9.94 10.45 6.05 4.69 2.34 5.02 5.68 6.24 8.20
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
370 602 634 682 911 1,306 1,891 2,344 2,690
Interest 176 303 310 324 411 559 730 832 895
96 135 174 255 247 419 739 1,120 1,251
Financing Profit 98 164 151 103 252 329 422 392 544
Financing Margin % 26% 27% 24% 15% 28% 25% 22% 17% 20%
0 16 0 3 6 5 15 11 10
Depreciation 1 5 7 7 10 12 17 18 19
Profit before tax 97 175 144 100 248 321 420 386 536
Tax % 34% 34% 29% 23% 27% 25% 24% 22% 25%
64 115 103 77 182 242 318 301 404
EPS in Rs 8.14 12.65 10.61 7.68 19.40 25.83 34.49 18.87 25.13
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 32%
3 Years: 27%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: 43%
3 Years: 21%
TTM: 33%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 31%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 12%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 78 78 87 88 89 89 89 161 162
Reserves 397 1,014 1,336 1,412 1,568 1,784 2,142 3,273 3,734
Borrowing 2,363 3,001 3,004 4,015 6,066 7,117 9,130 9,860 12,258
106 186 170 182 251 381 345 344 591
Total Liabilities 2,945 4,279 4,597 5,696 7,973 9,371 11,707 13,638 16,745
5 5 25 22 24 51 57 76 81
CWIP 0 3 1 1 0 1 2 6 0
Investments 1,150 1,193 1,171 1,383 1,766 1,790 1,785 2,052 2,943
1,789 3,077 3,400 4,291 6,183 7,529 9,863 11,504 13,720
Total Assets 2,945 4,279 4,597 5,696 7,973 9,371 11,707 13,638 16,745

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-336 -54 -711 -1,326 -1,296 -2,134 -1,047 -1,541
-36 -26 -201 -386 -115 36 -388 -851
375 223 977 2,028 928 2,045 1,586 2,292
Net Cash Flow 4 142 65 317 -483 -53 151 -100
Free Cash Flow -343 -65 -715 -1,338 -1,285 -2,148 -1,065 -1,556
CFO/OP -59% 1% -158% -191% -136% -177% -77% -96%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 13% 9% 7% 5% 11% 13% 15% 11% 11%

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
Assets Under Management (AUM) - Total
INR Crores

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AUM - Direct-to-Customer (D2C)
INR Crores
AUM - Fund Management (AIF)
INR Crores
Number of Branches
Absolute ・Standalone data
Number of D2C Customers
Lakhs
Number of Originator Partners (Cumulative)
Absolute
Gross Transaction Volume
INR Crores

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
4.68% 4.28% 5.23% 9.16% 7.58% 7.70% 7.51%
23.36% 23.13% 22.52% 6.89% 7.44% 8.29% 7.11%
71.91% 72.54% 72.20% 83.97% 84.95% 84.00% 85.37%
0.06% 0.06% 0.06% 0.00% 0.01% 0.01% 0.01%
No. of Shareholders 1,24,9811,15,0601,10,0981,11,0371,04,0451,01,79096,297

* 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

Annual reports

Credit ratings

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