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Northern ARC Capital Ltd.

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northernarc.comBSE: 544260NSE: NORTHARC
Market Cap₹ 4,918 Cr.
Current Price
High / Low₹ 334 / 206
Stock P/E11.2
Book Value₹ 245
Price to Book0.87
Dividend Yield0.00 %
ROCE9.7 %
ROE11.1 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Financial Activity: 97.9% • Investment Management Services: 1.4% • Others: 0.7%

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

  • Company has delivered good profit growth of 39.4% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 22.6%
  • Solid return on assets for a lender - ROA of 2.9%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 45.8% YoY, showing strong momentum
  • Company has delivered good sales growth of 31.6% CAGR over last 5 years

CONS

  • Promoter holding has decreased over last 2 years: -58.6pp
  • A large part of profit comes from other income (61.7% of PBT)
  • Company has a low return on capital employed of 10.3%
  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 81.5%
  • Operating margins have contracted to 42.1% from 68.4%

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

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.NORTHARC304.2011.194917.820.00114.1045.82779.7728.809.7453.05
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
437492560578585576603605627721742780
153200242245243267366282292354320630
Operating Profit284293317332342309236323336367422414
OPM %64.99%59.42%56.69%57.55%58.43%53.71%39.22%53.34%53.51%50.88%56.91%53.05%
Other Income355515421333
Interest174184204209205214200216208231239260
Depreciation455436545554
1081081131241349436105124134182153
Tax %25.62%23.73%25.01%24.07%27.90%22.08%-9.49%24.96%24.22%24.60%23.62%25.39%
Net Profit00009673387891102133114
99101085256681

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
3674736026336819101,3071,8902,3422,6902,870
961151371742572474199681,5721,5591,596
Operating Profit2713584654594246628889227701,1311,274
OPM %73.93%75.77%77.22%72.55%62.27%72.79%67.95%48.77%32.87%42.06%44.40%
3316267624646833011
Interest176230302310324411559730832899938
Depreciation12377101217181919
Profit before Tax97130175144100248321420386536592
Tax %34.13%33.44%33.97%28.76%23.40%26.75%24.60%24.40%21.95%24.64%24.43%
Net Profit648611510377182242318301404448
EPS0.000.000.000.005.3513.0917.3834.4918.8725.13—
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:
27%
5 Years:
32%
3 Years:
27%

COMPOUNDED PROFIT GROWTH

10 Years:
21%
5 Years:
43%
3 Years:
21%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
24%

RETURN ON EQUITY

10 Years:
12%
5 Years:
13%
3 Years:
13%
Last Year:
11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
7878788788898989161162
Minority Interest00123919193112655
3975259961,3111,3891,5471,7672,1103,2323,686
1,6812,0282,9422,9463,8925,9837,0359,0719,90012,302
Trade Payables109108165611012869247
766964120151201193224267157242
Total Liabilities2,9333,6044,2694,5945,6767,9609,33611,67313,52516,643
56525222451577665
1,1501,0321,1931,1711,3831,7661,7901,7852,0522,943
0000000252121
Cash & Bank126193243410466803423368623437
1,6512,3732,8282,9873,8055,3687,0739,43810,75313,178
Total Assets2,9333,6044,2694,5945,6767,9609,33611,67313,52516,643

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-51-332-2314-937-1,636-2,198-4,272-3,635-4,196
Cash from Investing-729119-36-29-201-386-11936-388-851
Cash from Financing1,0395783642159772,0289282,0451,5862,292
6161414265317-487-53151-100

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

Jul 2018Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
58.560.000.000.000.000.000.000.000.00
0.000.910.511.465.393.823.943.754.88
0.0023.3623.0922.506.877.428.297.115.63
Government0.000.000.000.000.000.000.000.000.00
41.4471.9672.6572.2783.9984.9984.0185.3885.73

Documents

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

2026-08-31
Allotment of Securities

2026-08-31 - Northern Arc Capital Limited has informed the Exchange regarding allotment of 12500 securities pursuant to ESOP/ESPS through Circular resolution dated August 31, 2026

2026-08-24
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-24 - Northern Arc Capital Limited has informed the Exchange about Schedule of meet

2026-08-18
Shareholders meeting

2026-08-18 - Northern Arc Capital Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 18, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-18
Shareholders meeting

2026-08-18 - Proceedings of 18th AGM

2026-08-18
Shareholders meeting

2026-08-18 - Outcome of 18th AGM of the Company

2026-08-14
Action(s) taken or orders passed

2026-08-14 - Northern Arc Capital Limited has informed the Exchange about Action(s) taken or orders passed

2026-08-03
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-03 - Northern Arc Capital Limited has informed the Exchange about Transcript

2026-07-29
Monitoring Agency Report

2026-07-29 - Monitoring Agency Report on the utilisation of proceeds raised through issuance of equity shares pursuant to Regulation 32(6) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Regulations 41(4) of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018.

2026-07-27
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-27 - Northern Arc Capital Limited has informed the Exchange about Link of Recording

News

Recent coverage and analyst commentary for NORTHARC

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