WEBSITE BSE:544260 NSE: NORTHARC Inc. Year: 1989 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:59
Northern ARC Capital Limited is a leading financial services platform in India, focused on bridging the funding gap for under-served households and businesses. Established in 2008 and headquartered in Chennai, it connects high-quality, creditworthy borrowers with mainstream capital providers, leveraging data-driven insights and financial technology. The company offers debt products across a range of sectors, including microfinance, affordable housing finance, small business loans, and agriculture finance. Known for its deep expertise in structu...Read More
Northern ARC Capital Limited is a leading financial services platform in India, focused on bridging the funding gap for under-served households and businesses. Established in 2008 and headquartered in Chennai, it connects high-quality, creditworthy borrowers with mainstream capital providers, leveraging data-driven insights and financial technology. The company offers debt products across a range of sectors, including microfinance, affordable housing finance, small business loans, and agriculture finance. Known for its deep expertise in structured finance, Northern ARC supports lending to non-bank financial institutions (NBFCs) and provides innovative financing solutions tailored to clients' needs. Its robust risk management framework and partnerships with global and domestic investors make it a reliable player in the impact finance space. With a mission to promote financial inclusion, Northern ARC continues to drive economic empowerment and sustainable development across India’s rural and semi-urban regions. ...Read Less
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Market Cap ₹4151 Cr.
Stock P/E 13.8
P/B 1.1
Current Price ₹256.9
Book Value ₹ 233
Face Value 10
52W High ₹290
Dividend Yield 0%
52W Low ₹ 193
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 437 | 492 | 560 | 578 | 585 | 576 | 603 | 605 | 627 | 721 |
| Other Income | 3 | 5 | 5 | 5 | 1 | 5 | 4 | 2 | 1 | 3 |
| Total Income | 439 | 497 | 564 | 582 | 586 | 581 | 607 | 608 | 629 | 724 |
| Total Expenditure | 153 | 200 | 242 | 245 | 243 | 267 | 366 | 282 | 292 | 354 |
| Operating Profit | 287 | 297 | 322 | 337 | 343 | 314 | 241 | 325 | 337 | 370 |
| Interest Expense | 174 | 184 | 204 | 209 | 205 | 214 | 200 | 216 | 208 | 231 |
| Depreciation | 4 | 5 | 5 | 4 | 3 | 6 | 5 | 4 | 5 | 5 |
| Profit Before Tax | 108 | 108 | 113 | 124 | 134 | 94 | 36 | 105 | 124 | 134 |
| Provision for Tax | 28 | 26 | 28 | 30 | 37 | 21 | -3 | 26 | 30 | 33 |
| Profit After Tax | 80 | 83 | 85 | 94 | 97 | 74 | 39 | 79 | 94 | 101 |
| Adjustments | -4 | -7 | 4 | -1 | 1 | 2 | -1 | 3 | -2 | -0 |
| Profit After Adjustments | 77 | 75 | 89 | 93 | 98 | 76 | 38 | 81 | 92 | 101 |
| Adjusted Earnings Per Share | 8.6 | 8.4 | 9.9 | 10.5 | 6.1 | 4.7 | 2.3 | 5 | 5.7 | 6.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 150 | 245 | 367 | 473 | 602 | 633 | 681 | 910 | 1307 | 1890 | 2342 | 2556 |
| Other Income | 2 | 2 | 3 | 3 | 16 | 2 | 6 | 7 | 6 | 246 | 468 | 10 |
| Total Income | 152 | 246 | 370 | 476 | 617 | 634 | 688 | 917 | 1313 | 2137 | 2810 | 2568 |
| Total Expenditure | 36 | 46 | 96 | 115 | 137 | 174 | 257 | 247 | 419 | 968 | 1572 | 1294 |
| Operating Profit | 116 | 201 | 274 | 361 | 480 | 461 | 431 | 669 | 894 | 1168 | 1238 | 1273 |
| Interest Expense | 66 | 118 | 176 | 230 | 302 | 310 | 324 | 411 | 559 | 730 | 832 | 855 |
| Depreciation | 0 | 1 | 1 | 2 | 3 | 7 | 7 | 10 | 12 | 17 | 18 | 19 |
| Profit Before Tax | 50 | 83 | 97 | 130 | 175 | 144 | 100 | 248 | 321 | 420 | 386 | 399 |
| Provision for Tax | 12 | 22 | 33 | 43 | 59 | 42 | 23 | 66 | 79 | 103 | 85 | 86 |
| Profit After Tax | 38 | 60 | 64 | 86 | 115 | 103 | 77 | 182 | 242 | 318 | 301 | 313 |
| Adjustments | 0 | 0 | 0 | 0 | -16 | -10 | -9 | -9 | -12 | -9 | 3 | 0 |
| Profit After Adjustments | 38 | 60 | 64 | 86 | 99 | 93 | 68 | 173 | 230 | 308 | 305 | 312 |
| Adjusted Earnings Per Share | 4.9 | 7.6 | 8 | 11 | 12.7 | 10.6 | 7.7 | 19.4 | 25.8 | 34.5 | 18.9 | 19.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 24% | 37% | 30% | 32% |
| Operating Profit CAGR | 6% | 23% | 22% | 27% |
| PAT CAGR | -5% | 18% | 24% | 23% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 17% | NA% | NA% | NA% |
| ROE Average | 11% | 13% | 11% | 14% |
| ROCE Average | 10% | 11% | 10% | 11% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 225 | 295 | 503 | 640 | 1168 | 1506 | 1582 | 1739 | 1955 | 2314 | 3434 |
| Minority's Interest | 0 | 0 | 0 | 0 | 123 | 91 | 91 | 93 | 112 | 6 | 5 |
| Borrowings | 425 | 736 | 1094 | 1259 | 2437 | 2587 | 3357 | 5281 | 6530 | 3586 | 4070 |
| Current Liability | 514 | 747 | 1335 | 1715 | 513 | 382 | 659 | 849 | 758 | 5764 | 6048 |
| Other Liabilities & Provisions | 38 | 12 | -0 | -12 | 29 | 28 | -12 | -2 | -19 | 3 | -32 |
| Total Liabilities | 1201 | 1791 | 2933 | 3604 | 4269 | 4594 | 5676 | 7960 | 9336 | 11673 | 13525 |
| Loans | 236 | 0 | 0 | 0 | 2777 | 2925 | 0 | 0 | 0 | 9210 | 10572 |
| Investments | 133 | 338 | 782 | 721 | 874 | 943 | 1226 | 1733 | 1746 | 826 | 845 |
| Fixed Assets | 2 | 4 | 5 | 6 | 5 | 25 | 22 | 24 | 51 | 57 | 76 |
| Other Loans | 23 | 543 | 770 | 1130 | 21 | 41 | 36 | 42 | 29 | 24 | 6 |
| Other Non Current Assets | 28 | 17 | 10 | 3 | 3 | 1 | 1 | 0 | 1 | 102 | 82 |
| Current Assets | 248 | 889 | 1365 | 1744 | 589 | 660 | 4392 | 6161 | 7509 | 1454 | 1943 |
| Total Assets | 1201 | 1791 | 2933 | 3604 | 4269 | 4594 | 5676 | 7960 | 9336 | 11673 | 13525 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 60 | 32 | 59 | 120 | 187 | 191 | 333 | 398 | 715 | 232 | 179 |
| Cash Flow from Operating Activities | -552 | -580 | -248 | -636 | -324 | -43 | -712 | -1326 | -1296 | -2134 | -1047 |
| Cash Flow from Investing Activities | -36 | 11 | -729 | 119 | -36 | -29 | -201 | -386 | -119 | 36 | -388 |
| Cash Flow from Financing Activities | 556 | 595 | 1039 | 578 | 364 | 215 | 977 | 2028 | 928 | 2045 | 1586 |
| Net Cash Inflow / Outflow | -32 | 27 | 61 | 61 | 4 | 142 | 65 | 317 | -487 | -53 | 151 |
| Closing Cash & Cash Equivalent | 32 | 58 | 120 | 181 | 191 | 333 | 398 | 715 | 232 | 179 | 330 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.86 | 7.56 | 7.97 | 11 | 12.66 | 10.61 | 7.68 | 19.4 | 25.83 | 34.49 | 18.87 |
| CEPS(Rs) | 4.88 | 7.74 | 8.29 | 11.22 | 15.11 | 12.54 | 9.48 | 21.54 | 28.56 | 37.44 | 19.78 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 28.08 | 35.64 | 60.71 | 76.95 | 137.07 | 159.88 | 167.96 | 184.01 | 208.44 | 246.11 | 210.24 |
| Net Profit Margin | 25.37 | 24.51 | 17.38 | 18.24 | 19.19 | 16.27 | 11.24 | 20 | 18.53 | 16.81 | 12.87 |
| Operating Margin | 77.28 | 81.74 | 74.46 | 76.01 | 79.31 | 71.75 | 62.22 | 72.51 | 67.36 | 60.86 | 52.01 |
| PBT Margin | 33.06 | 33.69 | 26.38 | 27.41 | 29.06 | 22.83 | 14.68 | 27.31 | 24.58 | 22.23 | 16.49 |
| ROA(%) | 3.17 | 4.01 | 2.7 | 2.64 | 2.93 | 2.32 | 1.49 | 2.67 | 2.8 | 3.02 | 2.39 |
| ROE(%) | 17.29 | 24.05 | 16.89 | 15.99 | 13.76 | 8.33 | 5.33 | 11.69 | 13.87 | 15.67 | 10.78 |
| ROCE(%) | 10.23 | 13.98 | 11.98 | 11.35 | 12.59 | 10.67 | 8.53 | 9.97 | 10.53 | 11.3 | 9.88 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.86 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.8 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 6.06 | 5.92 | 6.29 | 5.88 | 4.69 | 4.24 | 5.34 | 5.88 | 5.19 | 4.68 | 5.1 |
| EV/Core EBITDA(x) | 7.83 | 7.22 | 8.41 | 7.69 | 5.88 | 5.82 | 8.45 | 8 | 7.59 | 7.58 | 9.64 |
| Interest Earned Growth(%) | 0 | 63.25 | 49.85 | 28.83 | 27.23 | 5.2 | 7.64 | 33.53 | 43.68 | 44.63 | 23.89 |
| Net Profit Growth | 0 | 57.77 | 6.21 | 35.26 | 33.83 | -10.83 | -25.59 | 137.54 | 33.13 | 31.16 | -5.15 |
| EPS Growth(%) | 0 | 55.77 | 5.42 | 38 | 15.01 | -16.15 | -27.64 | 152.67 | 33.16 | 33.52 | -45.29 |
| Interest Coverage(x) % | 1.75 | 1.7 | 1.55 | 1.56 | 1.58 | 1.47 | 1.31 | 1.6 | 1.57 | 1.58 | 1.46 |
| # | May 2016 | May 2017 | Jul 2018 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 58.99 | 58.56 | 58.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0.91 | 0.5 | 1.47 | 5.39 | 3.82 | 3.95 | 3.75 |
| DII | 41.01 | 41.44 | 0 | 27.13 | 26.85 | 26.26 | 10.63 | 11.19 | 12.05 | 10.88 |
| Public | 0 | 0 | 41.44 | 71.96 | 72.65 | 72.27 | 83.99 | 84.99 | 84.01 | 85.37 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | May 2016 | May 2017 | Jul 2018 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 4.62 | 4.59 | 4.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0.15 | 0.08 | 0.24 | 0.87 | 0.62 | 0.64 | 0.61 |
| DII | 3.21 | 3.25 | 0 | 4.38 | 4.33 | 4.24 | 1.72 | 1.81 | 1.95 | 1.76 |
| Public | 0 | 0 | 3.25 | 11.61 | 11.72 | 11.66 | 13.56 | 13.73 | 13.57 | 13.79 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7.84 | 7.84 | 7.84 | 16.14 | 16.14 | 16.14 | 16.14 | 16.16 | 16.16 | 16.16 |
* The pros and cons are machine generated.
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