NORTHARC
Northern Arc Capital Limited (NORTHARC) Stock Analysis
Northern Arc Capital Limited is an Indian diversified financial services platform providing lending, securitization, and fund management across microfinance, housing, and SME segments. It connects originators with capital markets through technology-enabled credit marketplaces. Growth depends on credit demand and funding partnerships. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹281.30
-0.05% 1W | +8.10% 52W
Market Cap
4.6k CR
P/E Ratio
10.4
52W High
₹334
52W Low
₹206
Div. Yield
0%
Beta
1.4
50 DMA
₹294.7
200 DMA
₹274.6
Profit Margin
36.6%
Inst. Own.
8.2%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| 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 | 437 | 492 | 564 | 578 | 585 | 576 | 603 | 605 | 627 | 721 | 742 | 780 |
| Interest | 164 | 174 | 184 | 204 | 209 | 205 | 214 | 200 | 216 | 208 | 231 | 239 | 260 |
| Expenses | 126 | 154 | 200 | 242 | 246 | 244 | 267 | 367 | 283 | 295 | 354 | 326 | 366 |
| Financing Profit | 111 | 108 | 108 | 118 | 123 | 136 | 95 | 36 | 106 | 125 | 136 | 177 | 154 |
| Financing Margin % | 28% | 25% | 22% | 21% | 21% | 23% | 17% | 6% | 18% | 20% | 19% | 24% | 20% |
| Other Income | 4 | 3 | 5 | 1 | 5 | 1 | 5 | 4 | 2 | 1 | 4 | 3 | 3 |
| Depreciation | 3 | 4 | 5 | 5 | 4 | 3 | 6 | 5 | 4 | 5 | 5 | 5 | 4 |
| Profit before tax | 112 | 107 | 108 | 114 | 123 | 134 | 94 | 35 | 104 | 121 | 135 | 176 | 153 |
| Tax % | 19% | 26% | 24% | 25% | 24% | 28% | 22% | -10% | 25% | 25% | 24% | 24% | 25% |
| Net Profit | 91 | 79 | 82 | 86 | 94 | 96 | 73 | 38 | 78 | 91 | 102 | 133 | 114 |
| EPS in Rs | 9.85 | 8.59 | 8.45 | 9.94 | 10.45 | 6.05 | 4.69 | 2.34 | 5.02 | 5.68 | 6.24 | 8.20 | 7.07 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2017 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 370 | 602 | 634 | 682 | 911 | 1,306 | 1,891 | 2,344 | 2,691 | 2,870 |
| Interest | 176 | 303 | 310 | 324 | 411 | 559 | 730 | 832 | 899 | 938 |
| Expenses | 96 | 135 | 174 | 255 | 247 | 419 | 739 | 1,120 | 1,247 | 1,341 |
| Financing Profit | 98 | 164 | 151 | 103 | 252 | 329 | 422 | 392 | 545 | 591 |
| Financing Margin % | 26% | 27% | 24% | 15% | 28% | 25% | 22% | 17% | 20% | 21% |
| Other Income | 0 | 16 | 0 | 3 | 6 | 5 | 15 | 11 | 10 | 12 |
| Depreciation | 1 | 5 | 7 | 7 | 10 | 12 | 17 | 18 | 19 | 19 |
| Profit before tax | 97 | 175 | 144 | 100 | 248 | 321 | 420 | 386 | 536 | 584 |
| Tax % | 34% | 34% | 29% | 23% | 27% | 25% | 24% | 22% | 25% | |
| Net Profit | 64 | 115 | 103 | 77 | 182 | 242 | 318 | 301 | 404 | 439 |
| EPS in Rs | 8.14 | 12.65 | 10.61 | 7.68 | 19.40 | 25.83 | 34.49 | 18.87 | 25.13 | 27.19 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 27.0% | 32.0% | – |
| Profit CAGR | 21.0% | 43.0% | – |
Shareholding Pattern
FIIs9.16%
DIIs6.89%
Public83.97%
FIIs7.58%
DIIs7.44%
Public84.95%
FIIs7.70%
DIIs8.29%
Public84.00%
FIIs7.51%
DIIs7.11%
Public85.37%
FIIs8.64%
DIIs5.63%
Public85.72%
FIIs5.23%
DIIs22.52%
Public72.20%
FIIs7.51%
DIIs7.11%
Public85.37%
FIIs8.64%
DIIs5.63%
Public85.72%
NORTHARC
Holdings Analysis
Key strengths & risk signals
65
Overall
68
Fundamental
63
Technical
Risks (4)
VERY HIGH DEBT! D/E of 2.87 - significant risk.
RECOVERY MODE! Current price (281.3) above 200-day but below 50-day.
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.1% (1 week), 4.9% (1 month), 6.7% (3 months).
POSITIVE YEAR! Stock gained 8.1% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 36.6% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (294.7) is above 200-day average (274.6) - positive signal.
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 1,125,454 vs down days: 790,409. Ratio: 1.42x
NEUTRAL! RSI at 40.2 - balanced momentum.
Fundamental & Technical Analysis
65Overall
68Fundamental
63Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 30.0% (EXCELLENT, 15/15). Profit CAGR: 18.8% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 36.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.55 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.87 - significant risk.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 71.91% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (294.7) is above 200-day average (274.6) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (281.3) above 200-day but below 50-day.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
4/10
POSITIVE YEAR! Stock gained 8.1% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 1,125,454 vs down days: 790,409. Ratio: 1.42x
RSI
3/5
NEUTRAL! RSI at 40.2 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 58.8% of 52W range - neutral zone.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.1% (1 week), 4.9% (1 month), 6.7% (3 months).
Beta
3/5
ABOVE MARKET! Beta of 1.40 - more volatile than market.
NORTHARC
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-14 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-07 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NORTHARC | ₹281.30 | 10.4 | 36.6% | 30.0% | 18.8% | +8.1% | 65 | BREAKDOWN | +40.9% | -13.7% | +32.4% | +10.2% |
| MASFIN | ₹265.40 | 12.2 | 40.5% | 25.5% | 22.2% | -10.4% | 67 | APPROACHING SUPPORT | +26.8% | +5.2% | +20.3% | +7.1% |
| AYE | ₹153.30 | 15.4 | 22.2% | 40.4% | 69.3% | +24.2% | 63 | CONSOLIDATING DOWN | +143.5% | -13.3% | +26.3% | +2.7% |
| INDOSTAR | ₹194.60 | – | – | 6.4% | -14.6% | -14.5% | 50 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| MUTHOOTMF | ₹174.70 | 12 | 21.0% | 19.5% | 1.3% | +7.2% | 54 | CONSOLIDATING DOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| MUFIN | ₹138.30 | 66.8 | 41.1% | 82.6% | 51.6% | +44.5% | 86 | CONSOLIDATING DOWN | +300.0% | +26.1% | +57.4% | +19.5% |
| FUSION | ₹159.10 | 15.5 | 19.6% | -1.6% | -67.0% | -9.2% | 50 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| SATIN | ₹231.20 | 6.2 | 25.3% | 23.5% | 310.2% | +56.1% | 74 | APPROACHING RESISTANCE | +172.1% | -24.3% | +16.5% | +13.0% |
Data from TradeAlone · Updated daily
No news tagged for NORTHARC yet.
