Nahar Capital And Financial Services Ltd.

•

owmnahar.comBSE: 532952NSE: NAHARCAP

Market Cap₹ 429 Cr.

Current Price

High / Low₹ 307 / 191

Stock P/E3.6

Book Value₹ 979

Price to Book0.21

Dividend Yield0.59 %

ROCE5.0 %

ROE4.0 %

Face Value₹ 5

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Investment/Financial Activity: 92.8% • Real Estate Activity: 7.2%

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

PROS

Solid return on assets for a lender - ROA of 3.1%
Company has consistently been profitable over the last 5 years
Company generates healthy free cash flow
Stock looks reasonably valued - P/E of 3.6 is below its historical median
Company has a consistent dividend-paying track record

CONS

Recent results are weak - TTM profit is down 21.3% versus prior year
Company has a low return on capital employed of 3.3%
Company has a low return on equity of 2.7% over last 3 years
A large part of profit comes from other income (26.6% of PBT)
Operating margins have contracted to 53.3% from 101.1%
Company has delivered a poor profit growth of 0.7% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	NAHARCAP	256.25	3.60	429.12	0.59	67.44	-41.26	9.39	90.16	5.03	447.43

Detailed Comparison with:

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	Jun 2026
	4	6	2	5	5	10	3	3	5	9	4	6	9
	2	3	2	2	2	3	2	2	3	3	3	4	4
Operating Profit	4	5	2	4	4	9	2	1	3	6	2	4	42
OPM %	94.66%	83.55%	84.81%	87.23%	84.33%	90.64%	74.33%	44.81%	59.92%	71.62%	50.63%	54.00%	447.43%
Other Income	8	5	10	5	11	7	0	2	9	5	9	-3	9
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	11	10	12	9	15	16	2	2	12	11	11	0	51
Tax %	23.73%	7.15%	5.70%	-10.39%	55.86%	23.05%	-45.73%	-108.82%	128.02%	-23.99%	13.35%	2600.00%	-33.54%
Net Profit	0	0	0	0	117	10	65	212	115	20	13	182	67
	-1	3	-0	5	7	6	4	13	7	12	8	11	4

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	15	14	10	13	22	30	26	24	26	28	29
	15	6	10	9	5	8	8	8	10	13	14
Operating Profit	-0	8	1	4	16	22	18	15	17	15	15
OPM %	-0.12%	56.99%	5.68%	27.89%	74.88%	74.02%	68.64%	64.58%	63.21%	53.33%	50.59%
	27	13	14	9	25	13	8	28	20	21	21
Interest	0	0	0	1	0	0	0	0	0	1	1
Depreciation	0	0	0	1	1	1	1	1	1	1	1
Profit before Tax	27	20	14	11	84	306	93	15	58	79	73
Tax %	17.51%	-5.09%	41.45%	-1.08%	27.15%	25.88%	-14.45%	21.35%	14.70%	20.51%	-21.37%
Net Profit	22	21	8	11	61	226	107	12	50	63	89
EPS	0.00	0.00	0.00	0.00	36.41	135.23	63.73	7.03	29.75	37.70	—
Dividend Payout %	3.99%	13.38%	10.05%	22.66%	4.12%	2.22%	2.35%	21.35%	5.04%	3.98%	—

COMPOUNDED SALES GROWTH

10 Years:: 15%
5 Years:: 5%
3 Years:: 3%

COMPOUNDED PROFIT GROWTH

10 Years:: 5%
5 Years:: 1%
3 Years:: -16%

STOCK PRICE CAGR

10 Years:: 12%
5 Years:: -1%
3 Years:: -7%
1 Year:: -10%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 6%
3 Years:: 3%
Last Year:: 4%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	8	8	8	8	8	8	8	8	8	8
	675	994	997	783	1,035	1,551	1,520	1,533	1,556	1,599
	15	24	5	4	6	2	0	8	9	14
Trade Payables	2	0	0	0	0	0	0	0	1	1
	7	77	77	73	114	182	156	156	160	166
Total Liabilities	707	1,103	1,087	868	1,163	1,743	1,685	1,706	1,733	1,789
	17	20	38	41	0	0	0	0	0	0
Capital Work in Progress	18	10	11	16	0	1	0	7	16	8
	634	1,035	1,000	739	1,014	1,652	1,617	1,621	1,632	1,678
	27	6	33	31	28	15	3	1	0	0
Cash & Bank	1	1	1	9	8	7	2	1	1	1
	9	31	6	34	113	68	62	76	84	102
Total Assets	707	1,103	1,087	868	1,163	1,743	1,685	1,706	1,733	1,789

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-3	-18	31	140	-47	-60	-23	-13	-0	11
Cash from Investing	12	27	-25	-134	56	75	26	15	3	-8
Cash from Financing	-3	-3	-3	-4	-1	-5	-3	-3	-3	-3
	1	-0	0	-0	1	1	-0	-1	0	-0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	71.65	71.65	71.65	71.65	71.94	72.20	72.20	72.53	72.53
	0.34	0.34	0.36	0.32	0.32	0.32	0.31	0.31	0.31
	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	27.99	28.00	27.98	28.02	27.72	27.47	27.47	27.15	27.15

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-03

Updates

2026-09-03 - Nahar Capital and Financial Services Limited has informed the Exchange regarding 'Demat Report for the month of August, 2026'.

2026-09-02

Updates

2026-09-02 - Nahar Capital and Financial Services Limited has informed the Exchange regarding 'letters sent to shareholders under Regulation 36(1)(b) of SEBI (LODR) Regulations, 2015'.

2026-09-02

Copy of Newspaper Publication

2026-09-02 - Nahar Capital and Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27

Shareholders meeting

2026-08-27 - Nahar Capital and Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 25, 2026

2026-08-10

Copy of Newspaper Publication

2026-08-10 - Nahar Capital and Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-06

Copy of Newspaper Publication

2026-08-06 - Nahar Capital and Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-05

Change in Director(s)

2026-08-05 - Nahar Capital and Financial Services Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-05

Record Date

2026-08-05 - Nahar Capital and Financial Services Limited has informed the Exchange that Record date for the purpose of Dividend is 04-Sep-2026.

2026-08-05

Outcome of Board Meeting

2026-08-05 - Nahar Capital and Financial Services Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

News

Recent coverage and analyst commentary for NAHARCAP

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Nahar Capital And Financial Services Ltd.

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Free 5nance Account

Name

BAJFINANCE

1046.00

32.08

651234.82

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1038.00

21.58

244239.69

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1849.10

27.46

157925.34

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.15

73.86

152631.62

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

10971.00

13.79

122100.11

1.78

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2840.00

10.03

114017.05

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

400.00

26.68

109501.94

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

311.25

24.51

78010.22

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

666.00

27.86

63379.43

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

676.50

25.83

56201.25

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

NAHARCAP

256.25

3.60

429.12

0.59

67.44

-41.26

9.39

90.16

5.03

447.43

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

Operating Profit

OPM %

94.66%

83.55%

84.81%

87.23%

84.33%

90.64%

74.33%

44.81%

59.92%

71.62%

50.63%

54.00%

447.43%

Other Income

-3

Interest

Depreciation

Tax %

23.73%

7.15%

5.70%

-10.39%

55.86%

23.05%

-45.73%

-108.82%

128.02%

-23.99%

13.35%

2600.00%

-33.54%

Net Profit

117

212

115

182

-1

-0

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Operating Profit

-0

OPM %

-0.12%

56.99%

5.68%

27.89%

74.88%

74.02%

68.64%

64.58%

63.21%

53.33%

50.59%

Interest

Depreciation

Profit before Tax

306

Tax %

17.51%

-5.09%

41.45%

-1.08%

27.15%

25.88%

-14.45%

21.35%

14.70%

20.51%

-21.37%

Net Profit

226

107

EPS

0.00

36.41

135.23

63.73

7.03

29.75

37.70

—

Dividend Payout %

3.99%

13.38%

10.05%

22.66%

4.12%

2.22%

2.35%

21.35%

5.04%

3.98%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

675

994

997

783

1,035

1,551

1,520

1,533

1,556

1,599

Trade Payables

114

182

156

160

166

Total Liabilities

707

1,103

1,087

868

1,163

1,743

1,685

1,706

1,733

1,789

Capital Work in Progress

634

1,035

1,000

739

1,014

1,652

1,617

1,621

1,632

1,678

Cash & Bank

113

102

Total Assets

707

1,103

1,087

868

1,163

1,743

1,685

1,706

1,733

1,789

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-3

-18

140

-47

-60

-23

-13

-0

Cash from Investing

-25

-134

-8

Cash from Financing

-3

-4

-1

-5

-3

-0

-1

-0

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

71.65

71.94

72.20

72.53

0.34

0.36

0.32

0.31

0.02

0.01

Government

0.00

27.99

28.00

27.98

28.02

27.72

27.47

27.15

Nahar Capital And Financial Services Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Nahar Capital And Financial Services Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI