Northern ARC Capital Ltd

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

Northern ARC Capital Ltd

₹ 227 -4.44%
21 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 ₹ 3,668 Cr.
  • Current Price ₹ 227
  • High / Low ₹ 351 / 226
  • Stock P/E 11.9
  • Book Value ₹ 205
  • Dividend Yield 0.00 %
  • ROCE 11.2 %
  • ROE 15.0 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.11 times its book value
  • Company has delivered good profit growth of 25.5% 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 13.2% 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Mar 2024 Jun 2024 Sep 2024
401 437 564 578 585
126 154 242 246 244
Operating Profit 275 283 322 332 341
OPM % 68% 65% 57% 57% 58%
4 3 1 5 1
Interest 164 174 204 209 205
Depreciation 3 4 5 4 3
Profit before tax 112 107 114 123 134
Tax % 19% 26% 25% 24% 28%
91 79 86 94 96
EPS in Rs 9.85 8.59 9.94 10.45 6.05
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
602 682 911 1,306 1,891
135 255 247 419 739
Operating Profit 467 427 663 888 1,152
OPM % 78% 63% 73% 68% 61%
16 3 6 5 15
Interest 303 324 411 559 730
Depreciation 5 7 10 12 17
Profit before tax 175 100 248 321 420
Tax % 34% 23% 27% 25% 24%
115 77 182 242 318
EPS in Rs 12.65 7.68 19.40 25.83 34.49
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 26%
3 Years: 40%
TTM: 45%
Compounded Profit Growth
10 Years: %
5 Years: 25%
3 Years: 66%
TTM: 34%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 78 88 89 89 89 161
Reserves 1,014 1,412 1,568 1,784 2,142 3,155
3,001 4,015 6,066 7,117 9,130 9,271
186 182 251 381 345 349
Total Liabilities 4,279 5,696 7,973 9,371 11,707 12,936
5 22 24 51 57 59
CWIP 3 1 0 1 2 0
Investments 1,193 1,383 1,766 1,790 1,785 1,766
3,077 4,291 6,183 7,529 9,863 11,111
Total Assets 4,279 5,696 7,973 9,371 11,707 12,936

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

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

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 10 10 8 8 5
Inventory Days
Days Payable
Cash Conversion Cycle 10 10 8 8 5
Working Capital Days -9 -15 0 -24 -24
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

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