Northern Arc Capital Limited NORTHARC NSEFINANCIAL
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 lending and allied services, such as advisory and syndication services; loans for personal, business, education, and mortgage purposes; 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 assignment. 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. The company 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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 29.3%.
- Compounding revenue at 34.5% over 5 years.
- Profit CAGR of 18.8% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 281.60 | 11.35 | ₹4,549.54 Cr | - | 4.76% | 11.00% | 34.47% | 18.79% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 546.32 Cr | 577.17 Cr | 583.63 Cr | 656.98 Cr | 701.36 Cr |
| Cost of Revenue | 367.48 Cr | 332.41 Cr | 359.19 Cr | 407.56 Cr | 407.57 Cr |
| Gross Profit | 178.85 Cr | 244.77 Cr | 224.44 Cr | 249.42 Cr | 293.79 Cr |
| Operating Expenses | 37.27 Cr | 45.16 Cr | 41.67 Cr | 52.74 Cr | 68.57 Cr |
| Operating Income | 141.58 Cr | 199.61 Cr | 182.77 Cr | 196.68 Cr | 225.22 Cr |
| EBITDA | 147.45 Cr | 204.57 Cr | 187.01 Cr | 201.56 Cr | 229.91 Cr |
| Interest Expense | - | - | - | - | - |
| Pretax Income | 94.04 Cr | 35.01 Cr | 104.37 Cr | 134.66 Cr | 175.57 Cr |
| Tax Provision | 20.86 Cr | -3.37 Cr | 26.12 Cr | 32.96 Cr | 42.92 Cr |
| Net Income | 75.62 Cr | 37.76 Cr | 81.05 Cr | 100.76 Cr | 132.50 Cr |
| Diluted EPS | 4.66 | 2.33 | 4.98 | 6.21 | 8.16 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1,040.57 Cr | 1,625.59 Cr | 2,268.73 Cr | 2,530.03 Cr |
| Cost of Revenue | - | 798.81 Cr | 1,126.99 Cr | 1,401.56 Cr | 1,539.28 Cr |
| Gross Profit | - | 241.76 Cr | 498.60 Cr | 867.17 Cr | 990.74 Cr |
| Operating Expenses | - | 134.52 Cr | 211.09 Cr | 161.23 Cr | 205.02 Cr |
| Operating Income | - | 107.24 Cr | 287.51 Cr | 705.94 Cr | 785.72 Cr |
| EBITDA | - | 333.84 Cr | 438.34 Cr | 723.83 Cr | 804.51 Cr |
| Interest Expense | 1.47 Cr | 1.46 Cr | 1.75 Cr | 3.17 Cr | - |
| Pretax Income | - | 321.23 Cr | 420.24 Cr | 386.08 Cr | 535.56 Cr |
| Tax Provision | - | 79.01 Cr | 102.54 Cr | 84.76 Cr | 131.99 Cr |
| Net Income | - | 242.21 Cr | 308.33 Cr | 304.55 Cr | 406.02 Cr |
| Diluted EPS | 11.27 | 15.01 | 19.11 | 20.03 | - |
Compounded Sales Growth
| 5 Years: | 34.47% |
| 1 Year: | - |
Compounded Profit Growth
| 5 Years: | 18.79% |
| 1 Year: | 237.70% |
Stock Price Performance
| 1 Year: | +28.73% |
| 6 Months: | +9.13% |
| 3 Months: | +10.91% |
| 1 Month: | +7.43% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 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 | 13,020.25 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 | 247.65 Cr |
| Long Term Debt | - | 3,872.34 Cr | 3,585.87 Cr | 4,069.54 Cr | 12,258.34 Cr |
| Total Debt | - | 7,034.57 Cr | 9,047.76 Cr | 9,860.00 Cr | 12,258.34 Cr |
| Total Equity | - | 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 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -1,295.65 Cr | -2,134.44 Cr | -1,046.68 Cr | -1,540.60 Cr |
| Investing Cash Flow | - | -119.47 Cr | 36.04 Cr | -388.21 Cr | -851.22 Cr |
| Financing Cash Flow | - | 927.95 Cr | 2,045.46 Cr | 1,585.75 Cr | 2,292.08 Cr |
| Capital Expenditure | -12.30 Cr | - | -13.70 Cr | -18.08 Cr | -15.09 Cr |
| Free Cash Flow | - | -1,295.65 Cr | -2,148.14 Cr | -1,064.75 Cr | -1,555.70 Cr |
| Net Change in Cash | - | -487.17 Cr | -52.94 Cr | 150.87 Cr | -99.75 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 23.2% | 30.7% | 38.2% | 39.2% |
| Operating Margin % | - | 10.3% | 17.7% | 31.1% | 31.1% |
| Net Margin % | - | 23.3% | 19.0% | 13.4% | 16.0% |
| ROE % | - | 12.4% | 13.3% | 8.9% | 10.4% |
| ROCE % | - | 1.8% | 4.8% | 9.3% | 4.8% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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