NSE / BSEFinancial Services
β‚Ή294.45+3.55+1.22%
P/E12.2Mkt Capβ‚Ή4.25 K CrEV/EBITDA10.2

Northern Arc Capital Ltd.

P/E12.2Mkt Capβ‚Ή4.25 K CrEV/EBITDA10.2
Company Profile

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.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 26 Aug 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
0.0x
β€”
EV / Sales
0.0x
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
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AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 18.25% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+29.9%); Feb the lowest (-11.5%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+9.3%Positive MonthJan 2026: +9.27%-7.5%Negative MonthFeb 2026: -7.51%-18.0%Negative MonthMar 2026: -17.96%+25.9%Positive MonthApr 2026: +25.94%+7.8%Positive MonthMay 2026: +7.82%+6.3%Positive MonthJun 2026: +6.33%-3.7%Negative MonthJul 2026: -3.72%+2.5%*Positive MonthAug 2026: +2.51%β€”β€”β€”β€”
2025-6.6%Negative MonthJan 2025: -6.56%-15.4%Negative MonthFeb 2025: -15.44%-2.6%Negative MonthMar 2025: -2.65%+33.9%Positive MonthApr 2025: +33.91%-4.0%Negative MonthMay 2025: -4.00%+8.2%Positive MonthJun 2025: +8.21%+0.8%Neutral MonthJul 2025: +0.82%+0.8%Neutral MonthAug 2025: +0.83%+14.9%Positive MonthSep 2025: +14.87%+0.2%Neutral MonthOct 2025: +0.18%-0.9%Neutral MonthNov 2025: -0.90%-7.6%Negative MonthDec 2025: -7.57%
2024β€”β€”β€”β€”β€”β€”β€”β€”β€”-16.4%Negative MonthOct 2024: -16.39%-6.4%Negative MonthNov 2024: -6.43%-7.2%Negative MonthDec 2024: -7.16%
AvgΒ±SD+1.4%Β±7.9%-11.5%Β±4.0%-10.3%Β±7.7%+29.9%Β±4.0%+1.9%Β±5.9%+7.3%Β±0.9%-1.5%Β±2.3%+1.7%Β±0.8%+14.9%Β±0.0%-8.1%Β±8.3%-3.7%Β±2.8%-7.4%Β±0.2%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 3 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.181x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή2.29 K Crβ–² 24.9%
EBITDA Growthβ€”
Net Profitβ‚Ή343.00 Crβ–² 22.5%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 472.1%
Revenue CAGR 5Y24.9%
EBITDA CAGR 5Y20.1%
Net Profit CAGR 5Y25.5%
NP Growth 1Y22.5%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή2.29 K Crβ€”β‚Ή343.00 Crβ€”β€”10.1%24.9%22.5%
Mar 2024β‚Ή1.83 K Crβ€”β‚Ή280.00 Crβ€”β€”12.9%45.9%24.4%
Mar 2023β‚Ή1.25 K Crβ€”β‚Ή225.00 Crβ€”β€”12.2%44.5%37.2%
Mar 2022β‚Ή868.00 Crβ€”β‚Ή164.00 Crβ€”β€”10.1%35.0%192.9%
Mar 2021β‚Ή643.00 Crβ€”β‚Ή56.00 Crβ€”β€”3.8%7.0%-37.8%
Mar 2020β‚Ή601.00 Crβ€”β‚Ή90.00 Crβ€”β€”6.4%6.9%1.1%
Mar 2019β‚Ή562.00 Crβ€”β‚Ή89.00 Crβ€”β€”8.3%β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue / Net Sales5626016438681,2541,8302,2862,346
Total Expenses1271542402273877261,0151,064
EBIT / Operating Profit4354474036418671,1031,2721,282
OPM %77%74%63%74%69%60%56%55%
Other Income160364151011
Finance Costs302310323411558728825828
Depreciation & Amortisation377910151518
Profit Before Tax14613176227303375442447
Tax %39%31%27%28%26%25%22%-
Net Profit / PAT899056164225280343347
EPS (β‚Ή)11.4010.246.3718.4225.3131.3421.2321.53
Dividend Payout %0%0%0%0%0%0%0%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Northern Arc Capital Ltd.this co.β‚Ή4.25 K Crβ‚Ή2.29 K Cr12.201.1610.1924.9%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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