Northern ARC Capital Ltd

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

Northern ARC Capital Ltd

₹ 233 2.44%
22 Nov - close price
Company website 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 ₹ 3,758 Cr.
  • Current Price ₹ 233
  • High / Low ₹ 351 / 225
  • Stock P/E 11.0
  • Book Value ₹ 202
  • Dividend Yield 0.00 %
  • ROCE 10.9 %
  • ROE 13.7 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.15 times its book value
  • Company has delivered good profit growth of 25.7% 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 12.5% 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

Sector: Finance Industry: Finance & Investments

Part of BSE IPO

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
424 473 543 561 573
151 197 237 244 216
Operating Profit 274 276 306 318 357
OPM % 64% 58% 56% 57% 62%
2 1 11 4 1
Interest 174 184 204 209 205
Depreciation 4 4 4 3 3
Profit before tax 98 89 109 109 150
Tax % 26% 26% 25% 26% 25%
73 66 82 81 112
EPS in Rs 8.17 7.42 9.17 9.11 6.95
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
562 643 868 1,254 1,829 2,151
127 240 227 387 728 894
Operating Profit 435 403 641 867 1,100 1,257
OPM % 77% 63% 74% 69% 60% 58%
16 3 6 4 16 17
Interest 302 323 411 558 726 802
Depreciation 3 7 9 10 15 14
Profit before tax 146 76 227 303 375 458
Tax % 39% 27% 28% 26% 25%
89 56 164 225 280 342
EPS in Rs 11.40 6.37 18.42 25.31 31.34 32.65
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 27%
3 Years: 42%
TTM: 46%
Compounded Profit Growth
10 Years: %
5 Years: 26%
3 Years: 71%
TTM: 24%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 78 88 89 89 89 161
Reserves 993 1,388 1,538 1,755 2,161 3,093
2,980 4,015 6,066 7,117 9,048 9,191
77 85 142 243 321 322
Total Liabilities 4,129 5,576 7,835 9,205 11,620 12,768
4 21 19 43 50 50
CWIP 3 1 0 1 0 0
Investments 1,049 1,253 1,639 1,697 1,653 1,648
3,073 4,302 6,177 7,464 9,917 11,070
Total Assets 4,129 5,576 7,835 9,205 11,620 12,768

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-114 -977 -1,329 -1,292
35 356 -377 -174
81 684 2,023 966
Net Cash Flow 2 63 316 -500

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 10 8 8 6 3
Inventory Days
Days Payable
Cash Conversion Cycle 10 8 8 6 3
Working Capital Days -22 -14 3 -26 -27
ROCE % 10% 10% 11%

Shareholding Pattern

Numbers in percentages

11 Recently
Sep 2024
4.68%
23.36%
71.91%
0.06%
No. of Shareholders 1,24,981

* 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

Announcements

Annual reports

No data available.

Credit ratings

Concalls