Nagreeka Capital & Infrastructure Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 19.7%
- Company has a healthy return on capital (ROCE) of 23.0%
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
- Attractively priced for its growth - PEG of 0.1
CONS
- Capital adequacy is tight at -0.1% - limited headroom to grow
- Company has a low return on equity of -111.1% over last 3 years
- Recent results are weak - TTM profit is down 57.4% versus prior year
- A large part of profit comes from other income (32.3% of PBT)
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| NAGREEKCAP | 25.77 | 4.41 | 32.51 | 0.00 | 3.55 | -1.03 | 26.55 | 11441.74 | 29.22 | 27.33 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 7 | 8 | 22 | 1 | 12 | 7 | 25 | 0 | 6 | 14 | 21 | 27 | |
| 10 | 5 | 4 | 10 | 15 | 8 | -1 | 12 | 6 | -1 | 18 | 9 | 22 | |
| Operating Profit | 3 | 4 | 11 | 15 | 7 | 7 | 5 | 4 | 7 | 6 | 6 | -1 | 7 |
| OPM % | 40.76% | 62.57% | 141.25% | 65.15% | 930.77% | 57.03% | 69.03% | 16.90% | 2904.35% | 100.34% | 43.91% | -6.92% | 27.33% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 0 | 0 | 0 | 0 | 0 |
| Interest | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | 3 | 9 | 13 | 6 | 5 | 4 | 10 | 5 | 4 | 4 | -3 | 5 | |
| Tax % | 25.14% | 24.73% | 27.88% | 74.18% | 25.30% | 25.19% | 25.78% | 27.18% | 25.42% | 25.19% | 25.23% | 28.00% | 25.53% |
| Net Profit | 1 | 2 | 7 | 3 | 4 | 4 | 3 | 8 | 4 | 3 | 3 | -2 | 4 |
| 1 | 2 | 5 | 3 | 3 | 3 | 2 | 6 | 3 | 2 | 3 | -2 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 65 | 26 | 118 | 159 | 88 | 11 | 16 | 22 | 63 | 57 | 68 | |
| 97 | 11 | 96 | 175 | 153 | 5 | 3 | 12 | 30 | 34 | 48 | |
| Operating Profit | -32 | 15 | 22 | -16 | -64 | 6 | 13 | 10 | 33 | 23 | 20 |
| OPM % | -49.36% | 57.21% | 18.81% | -10.03% | -72.61% | 54.82% | 81.02% | 43.58% | 52.92% | 40.71% | 29.56% |
| 0 | 0 | 0 | 0 | 0 | 0 | -0 | 1 | 0 | 8 | 0 | |
| Interest | 17 | 14 | 18 | 26 | 12 | 6 | 8 | 8 | 7 | 6 | 8 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | -49 | 1 | 4 | -42 | -76 | 0 | 5 | 2 | 27 | 25 | 10 |
| Tax % | 64.41% | 192.85% | 503.51% | -15.12% | 14.64% | 13.60% | 27.74% | 1652.68% | 49.75% | 26.10% | 24.44% |
| Net Profit | -18 | -1 | -17 | -49 | -65 | 0 | 4 | -36 | 13 | 19 | 7 |
| EPS | -13.96 | -1.05 | -13.60 | -38.49 | -51.31 | 0.14 | 2.85 | -28.87 | 10.57 | 14.71 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -7%
- 5 Years:
- -8%
- 3 Years:
- 54%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -2%
- 5 Years:
- —
- 3 Years:
- 73%
STOCK PRICE CAGR
- 10 Years:
- 7%
- 5 Years:
- 29%
- 3 Years:
- 13%
- 1 Year:
- -1%
RETURN ON EQUITY
- 10 Years:
- -62%
- 5 Years:
- -63%
- 3 Years:
- -111%
- Last Year:
- 157%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |
| 66 | 65 | 83 | 41 | 16 | 16 | 19 | -17 | -4 | 15 | |
| 204 | 208 | 287 | 207 | 93 | 90 | 137 | 120 | 96 | 99 | |
| Trade Payables | 0 | 1 | 15 | 22 | 1 | 1 | 0 | 5 | 9 | 11 |
| -104 | -101 | -67 | -72 | -81 | -79 | -76 | -37 | -24 | -26 | |
| Total Liabilities | 173 | 178 | 324 | 205 | 35 | 34 | 87 | 77 | 83 | 105 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 7 | 5 | 6 | 6 | 7 | 7 | 9 | 8 | 7 | 6 | |
| 71 | 102 | 235 | 103 | 19 | 20 | 29 | 32 | 43 | 55 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | |
| Cash & Bank | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 3 | 0 |
| 94 | 70 | 82 | 94 | 7 | 5 | 47 | 32 | 28 | 41 | |
| Total Assets | 173 | 178 | 324 | 205 | 35 | 34 | 87 | 77 | 83 | 105 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 37 | 1 | -112 | 122 | 83 | 9 | -36 | 28 | 29 | 3 | |
| Cash from Investing | 0 | 9 | 4 | -1 | -1 | 0 | -2 | 0 | 0 | 1 |
| Cash from Financing | -37 | -10 | 108 | -121 | -82 | -9 | 38 | -25 | -29 | -7 |
| 0 | 0 | 0 | -0 | 0 | -0 | 0 | 3 | -0 | -3 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-04 - Nagreeka Capital & Infrastructure Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-03 - Nagreeka Capital & Infrastructure Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026
2026-08-13 - Nagreeka Capital & Infrastructure Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - Nagreeka Capital & Infrastructure Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-06 - Nagreeka Capital & Infrastructure Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-06-24 - Nagreeka Capital & Infrastructure Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-05-29 - Nagreeka Capital & Infrastructure Limited has informed the Exchange about Copy of Newspaper Publication
2026-05-28 - Nagreeka Capital & Infrastructure Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
News
Recent coverage and analyst commentary for NAGREEKCAP
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