Northern Arc Capital Limited NORTHARC NSEFINANCIAL
Company Overview
Northern Arc Capital Limited operates as a non-banking financial company in India. It operates through Financing Activity, Investment Advisory Services, and Investment Management Services segments. The company offers rural financing services; loans for personal, microfinance, vehicle finance, as well as buy now pay later solutions; education loans; insurance premium financing; MSME financing, MFI, consumer and vehicle finance, and housing and agriculture finance; rural financing; mid-market corporate lending, loans against property, and supply chain finance; and fund management services, including alternative investment funds and portfolio management services. It also provides debt products, such as term and working capital loans, non-convertible debentures, principal protected market linked debentures, commercial papers, external commercial borrowings, and sub-debt products; and credit-enhanced debt products, including guarantee-backed lending, single issuer partial credit enhanced, and pooled loan and bond issuance program. In addition, the company offers portfolio financing products comprising rated securitization, multi-originator microfinance securitization, persistent securitizations, and direct assignments. Further, it provides Altifi, an alternative retail debt investment platform; Nimbus, a curated debt platform that enables end-to-end processing of debt transactions; nPOS, a co-lending and co-origination technology solution; and NuScore, a customized machine learning based analytical module designed to assist in the loan underwriting process. It serves rural and retail customers; micro, small, and medium enterprises; originator partners; emerging corporates; and institutional investors. The company was formerly known as IFMR Capital Finance Limited and changed its name to Northern Arc Capital Limited in February 2018. Northern Arc Capital Limited was incorporated in 1989 and is based in Chennai, India.
Why Investors Should Care
Net profit has compounded at 18.8% per year over the last five years.
Revenue has grown at a 30.0% CAGR over the past five years.
Trades at a P/E of 12.2, below the sector median of 19.6.
Maintains a net profit margin of 17.8%.
Recent Developments
- Mar 2026 Revenue of ₹2,287.23 Cr (+11.8% YoY); net profit ₹406.02 Cr.
- Trailing 12 Months Year-on-year growth — revenue +11.8%, earnings +33.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 30.0%, profit CAGR 18.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 30.02% |
| 1 Year: | 11.82% |
Compounded Profit Growth
| 5 Years: | 18.79% |
| 1 Year: | 33.32% |
Stock Price Performance
| 1 Year: | +30.85% |
| 6 Months: | +25.92% |
| 3 Months: | +0.73% |
| 1 Month: | +7.76% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.87 · Neutral
P/E of 12.17 is below the sector median of 19.62 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 30.0% over 5 years.
- Profit CAGR of 18.8% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NORTHARC Northern Arc Capital Limited NSEFINANCIAL | 302.15 | 12.17 | ₹4,881.89 Cr | 0.00% | 5.56% | 10.42% | 30.02% | 18.79% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 401.00 Cr | 437.00 Cr | 492.00 Cr | 564.00 Cr | 578.00 Cr | 585.00 Cr | 546.32 Cr | 577.17 Cr | 583.63 Cr | 627.00 Cr | 656.98 Cr | 701.36 Cr | 772.87 Cr |
| Cost of Revenue | - | - | - | - | - | - | 367.48 Cr | 332.41 Cr | 359.19 Cr | - | 407.56 Cr | 407.57 Cr | 452.59 Cr |
| Gross Profit | - | - | - | - | - | - | 178.85 Cr | 244.77 Cr | 224.44 Cr | - | 249.42 Cr | 293.79 Cr | 320.29 Cr |
| Operating Expenses | 126.00 Cr | 154.00 Cr | 200.00 Cr | 242.00 Cr | 246.00 Cr | 244.00 Cr | 37.27 Cr | 45.16 Cr | 41.67 Cr | 295.00 Cr | 52.74 Cr | 68.57 Cr | 67.36 Cr |
| Operating Income | - | - | - | - | - | - | 141.58 Cr | 199.61 Cr | 182.77 Cr | - | 196.68 Cr | 225.22 Cr | 252.93 Cr |
| EBITDA | - | - | - | - | - | - | 147.45 Cr | 204.57 Cr | 187.01 Cr | - | 201.56 Cr | 229.91 Cr | 256.90 Cr |
| Interest Expense | 164.00 Cr | 174.00 Cr | 184.00 Cr | 204.00 Cr | 209.00 Cr | 205.00 Cr | - | - | - | 208.00 Cr | - | - | - |
| Pretax Income | 112.00 Cr | 107.00 Cr | 108.00 Cr | 114.00 Cr | 123.00 Cr | 134.00 Cr | 94.04 Cr | 35.01 Cr | 104.37 Cr | 121.00 Cr | 134.66 Cr | 175.57 Cr | 152.94 Cr |
| Tax Provision | 21.28 Cr | 27.82 Cr | 25.92 Cr | 28.50 Cr | 29.52 Cr | 37.52 Cr | 20.86 Cr | -3.37 Cr | 26.12 Cr | 30.25 Cr | 32.96 Cr | 42.92 Cr | 38.84 Cr |
| Net Income | 91.00 Cr | 79.00 Cr | 82.00 Cr | 86.00 Cr | 94.00 Cr | 96.00 Cr | 75.62 Cr | 37.76 Cr | 81.05 Cr | 91.00 Cr | 100.76 Cr | 132.50 Cr | 114.33 Cr |
| Diluted EPS | 9.85 | 8.59 | 8.45 | 9.94 | 10.45 | 6.05 | 4.66 | 2.33 | 4.98 | 5.68 | 6.21 | 8.16 | 6.98 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2017 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 370.00 Cr | 602.00 Cr | 634.00 Cr | 682.00 Cr | - | 1,040.57 Cr | 1,625.59 Cr | 2,045.43 Cr | 2,287.23 Cr |
| Cost of Revenue | - | - | - | - | - | 798.81 Cr | 1,126.99 Cr | 1,334.85 Cr | 1,481.53 Cr |
| Gross Profit | - | - | - | - | - | 241.76 Cr | 498.60 Cr | 710.58 Cr | 805.70 Cr |
| Operating Expenses | 96.00 Cr | 135.00 Cr | 174.00 Cr | 255.00 Cr | - | 134.52 Cr | 211.09 Cr | 197.29 Cr | 237.30 Cr |
| Operating Income | - | - | - | - | - | 107.24 Cr | 287.51 Cr | 513.29 Cr | 568.40 Cr |
| EBITDA | - | - | - | - | - | 333.84 Cr | 438.34 Cr | 407.14 Cr | 557.51 Cr |
| Interest Expense | 176.00 Cr | 303.00 Cr | 310.00 Cr | 324.00 Cr | 1.47 Cr | 1.46 Cr | 1.75 Cr | 3.17 Cr | 3.16 Cr |
| Pretax Income | 97.00 Cr | 175.00 Cr | 144.00 Cr | 100.00 Cr | - | 321.23 Cr | 420.24 Cr | 386.08 Cr | 535.56 Cr |
| Tax Provision | 32.98 Cr | 59.50 Cr | 41.76 Cr | 23.00 Cr | - | 79.01 Cr | 102.54 Cr | 84.76 Cr | 131.99 Cr |
| Net Income | 64.00 Cr | 115.00 Cr | 103.00 Cr | 77.00 Cr | - | 242.21 Cr | 308.33 Cr | 304.55 Cr | 406.02 Cr |
| Diluted EPS | 8.14 | 12.65 | 10.61 | 7.68 | 11.27 | 15.01 | 19.11 | 20.03 | 24.82 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2017 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 2,945.00 Cr | 4,279.00 Cr | 4,597.00 Cr | 5,696.00 Cr | - | 9,371.57 Cr | 11,707.66 Cr | 13,638.07 Cr | 16,744.60 Cr |
| Current Assets | - | - | - | - | - | 6,093.59 Cr | 7,665.07 Cr | 8,760.50 Cr | 11,389.27 Cr |
| Cash & Equivalents | - | - | - | - | - | 232.34 Cr | 179.40 Cr | 330.27 Cr | 230.52 Cr |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 28.61 Cr | 25.35 Cr | 20.69 Cr | 20.60 Cr |
| Total Liabilities | - | - | - | - | - | 7,303.84 Cr | 9,387.25 Cr | 10,198.51 Cr | 12,843.60 Cr |
| Current Liabilities | - | - | - | - | - | 3,397.62 Cr | 5,768.40 Cr | 6,047.70 Cr | 7,053.18 Cr |
| Long Term Debt | - | - | - | - | - | 3,872.34 Cr | 3,585.87 Cr | 4,069.54 Cr | 5,735.38 Cr |
| Total Debt | - | - | - | - | - | 7,034.57 Cr | 9,047.76 Cr | 9,860.00 Cr | 12,258.34 Cr |
| Total Equity | 475.00 Cr | 1,092.00 Cr | 1,423.00 Cr | 1,500.00 Cr | - | 1,955.43 Cr | 2,314.39 Cr | 3,434.25 Cr | 3,895.56 Cr |
| Shares Outstanding | - | - | - | - | - | 15.91 Cr | 15.91 Cr | 16.14 Cr | 16.16 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2017 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | -336.00 Cr | -54.00 Cr | -711.00 Cr | - | -1,295.65 Cr | -2,134.44 Cr | -1,046.68 Cr | -1,540.60 Cr |
| Investing Cash Flow | - | -36.00 Cr | -26.00 Cr | -201.00 Cr | - | -119.47 Cr | 36.04 Cr | -388.21 Cr | -851.22 Cr |
| Financing Cash Flow | - | 375.00 Cr | 223.00 Cr | 977.00 Cr | - | 927.95 Cr | 2,045.46 Cr | 1,585.75 Cr | 2,292.08 Cr |
| Capital Expenditure | - | -7.00 Cr | -11.00 Cr | -4.00 Cr | -12.30 Cr | - | -13.70 Cr | -18.08 Cr | -15.09 Cr |
| Free Cash Flow | - | -343.00 Cr | -65.00 Cr | -715.00 Cr | - | -1,295.65 Cr | -2,148.14 Cr | -1,064.75 Cr | -1,555.70 Cr |
| Net Change in Cash | - | 4.00 Cr | 142.00 Cr | 65.00 Cr | - | -487.17 Cr | -52.94 Cr | 150.87 Cr | -99.75 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2017 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | 23.2% | 30.7% | 34.7% | 35.2% |
| Operating Margin % | - | - | - | - | - | 10.3% | 17.7% | 25.1% | 24.9% |
| Net Margin % | 17.3% | 19.1% | 16.2% | 11.3% | - | 23.3% | 19.0% | 14.9% | 17.8% |
| ROE % | 13.5% | 10.5% | 7.2% | 5.1% | - | 12.4% | 13.3% | 8.9% | 10.4% |
| ROCE % | - | - | - | - | - | 1.8% | 4.8% | 6.8% | 5.9% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NORTHARC
NORTHARC Forecast — Price Target — Prediction for 2027 - TradingView
<a href="https://news.google.com/rss/articles/CBMie0FVX3lxTE5iRmlrREZYaU5udVd5RFVpVExwM0IySmNEQzlYeG9VSlUwOVVkQW1OdllkUkttRVRldXROWTZ6bHhLdXpPRFFEM1dJSGxfZHlTdzRyMnowbzNEQWFkSGhKREJuQmJoR2ZRUzFyQVEzSGluSTY1MjB5b1daQQ?oc=5" target="_blank">N…
Investors Aren't Buying Northern Arc Capital Limited's (NSE:NORTHARC) Earnings - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi8wFBVV95cUxPOEpLbF9CWjRjTDV2NFYtZmlEVko1MHpDbk5tel9TbzJzUnEtSEtrNndpbFBkNGF0VHRCWlpkbGFkajlhcDAyT3ZTcmxlQWV2Slh0Si0ydXdUZkpIZEs3aFhtZ0xKdlVBVVhHLVlKaXctc0JuSFJjOXNxN0QtakEwbWY1eVNwb0FyMDRyQW…
News by CNBC TV18 on TradingView, 2026-08-31 — cnbctv:acd04171b094b:0 - TradingView
<a href="https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5Fc0xlWjhBNXNBTjdJaF9qSHdYVlBUWDFIY1AwZGJKSHJ4OGlIVWVUdU1oVVRqbDZzTmMtVUVEamNDNGVBelFYTHh2MUtpak04VHhtM1RXZGNVSUt2a0hFcjUyZFREZFk?oc=5" target="_blank">News by CNBC TV18 on Trading…
Northern Arc Capital (NORTHARC) Posts Marginal Gain as Stock Hovers Near Mid-Range - Quality ETF - vinanet.vn
<a href="https://news.google.com/rss/articles/CBMivAFBVV95cUxNWDNBRm5jMGtoaXZyX0ZueEM5MFNUS19mR3VlQ0kyLXJ6SXVJR0lObWVyeDZHMTdsSGUxVFAxV282MEs5RVkwUE84YXNjYkVjUUZZUHhobjVHVlhXNVNMcXF0N3F1MHoweFBrMWxfNHZsa2pHZ0ZUM05zZ01DUkh5YWtDSVoxQmZ6SUo1Nj…
Northern Arc Capital Ltd Share Price Target, Forecast for Long Term Equity. - HDFC Sky
<a href="https://news.google.com/rss/articles/CBMikwFBVV95cUxQemx0RVhxVUdhc2toNEVHMldGUzdhYTctYzg2QXk0Sm5WTTFhU3FsMUZjb2JieExVV2NOU3VJcDRMTmdSLVlLUm9ubEhyc2FLZWVoa2pYZkYxRmNfMlJPZWRMQzJkUTFmVzVDVkc3NlJGOWR6a2Y1X1ZuQ3laNUdKenZ3ZTJiSExOMWVHST…
Northern Arc Capital (NORTHARC) Declines 2.31%; ₹273.69 Support in Play - Support Level Bounce - vinanet.vn
<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxQRW4wdnkwb0ZQckFqWVpMbVRNV2NVdnBwZmpJUHpNVFdOdE9IVXlhcGJfMnFJNExHNmdaYXdLb3dQY2YyVE82Vm5ObGUtZWdtVzc1QTlyWE9yRXNLT1N6M0tueWhfY2NGRE1CdldYS0tIdFYwVzNuaWZ5SzlXV1p2NTcyd0toamg1SGxEUG…
NORTHARC — Frequently Asked Questions
What is the current share price of Northern Arc Capital Limited (NORTHARC)?
As of 2026-09-08 04:53 IST, Northern Arc Capital Limited (NORTHARC) trades at ₹302.15 on NSE. Its 52-week range is ₹206.85 to ₹325.30.
What is the market capitalisation of NORTHARC?
Northern Arc Capital Limited (NORTHARC) has a market capitalisation of ₹4,881.89 Cr on NSE.
What is the P/E ratio of NORTHARC?
NORTHARC trades at a trailing price-to-earnings (P/E) ratio of 12.17. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 1.15.
What is the return on equity (ROE) of NORTHARC?
NORTHARC has a return on equity (ROE) of 10.42%. Its return on capital employed (ROCE) is 5.56%.
Is NORTHARC a good stock to buy?
This page provides a data-driven analysis of Northern Arc Capital Limited (NORTHARC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.