Arc Finance Ltd
Fundamental Score
Arc Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of ARCFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Revenue Growth (62.09%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (22.99% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (70.44% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (69.01% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.15)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
9 factors identified
Below-Average Return on Equity (4.43%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.44%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-96.45%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Weak Interest Coverage (-9.81x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-71.62 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (6.97%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Arc Finance Ltd
About ARCFIN
Business Overview
ARC Finance Ltd, a non-banking finance company, engages in the lending business in India. It offers loans and advances; and various financial services. The company also invests and trades in securities. The company was formerly known as ARC Modellors & Services Limited and changed its name to ARC Finance Ltd in February 1993. ARC Finance Ltd was incorporated in 1982 and is based in Kolkata, India.
Company Details
Key Leadership
ARCFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Arc Finance Ltd (ARCFIN)?
As of 21 Jan 2026, 08:49 am IST, Arc Finance Ltd (ARCFIN) is currently trading at ₹0.55. The stock has a market capitalization of ₹61.88 (Cr).
Is ARCFIN share price Overvalued or Undervalued?
ARCFIN is currently trading at a P/E ratio of 0.00x, compared to the industry average of 30.94x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Arc Finance Ltd share price?
Key factors influencing ARCFIN's price include its quarterly earnings growth (Sales Growth: 62.09%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Arc Finance Ltd a good stock for long-term investment?
Arc Finance Ltd shows a 5-year Profit Growth of 69.01% and an ROE of 4.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.15 before investing.
How does Arc Finance Ltd compare with its industry peers?
Arc Finance Ltd competes with major peers in the Other Financial Services. Investors should compare ARCFIN's P/E of 0.00x and ROE of 4.43% against the industry averages to determine its competitive standing.
What is the P/E ratio of ARCFIN and what does it mean?
ARCFIN has a P/E ratio of N/Ax compared to the industry average of 30.94x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is ARCFIN performing according to Bull Run's analysis?
ARCFIN has a Bull Run fundamental score of 38.2/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does ARCFIN belong to?
ARCFIN operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting Arc Finance Ltd.
What is Return on Equity (ROE) and why is it important for ARCFIN?
ARCFIN has an ROE of 4.43%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Arc Finance Ltd generates profits from shareholders' equity.
How is ARCFIN's debt-to-equity ratio and what does it indicate?
ARCFIN has a debt-to-equity ratio of 0.15, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is ARCFIN's dividend yield and is it a good dividend stock?
ARCFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has ARCFIN grown over the past 5 years?
ARCFIN has achieved 5-year growth rates of: Sales Growth 22.99%, Profit Growth 69.01%, and EPS Growth 70.44%.
What is the promoter holding in ARCFIN and why does it matter?
Promoters hold 6.97% of ARCFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is ARCFIN's market capitalization category?
ARCFIN has a market capitalization of ₹62 crores, placing it in the Small-cap category.
How volatile is ARCFIN stock?
ARCFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for ARCFIN?
ARCFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is ARCFIN's operating profit margin trend?
ARCFIN has a 5-year average Operating Profit Margin (OPM) of 12.87%, indicating the company's operational efficiency.
How is ARCFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 62.09% and YoY Profit Growth of -96.45%.
What is the institutional holding pattern in ARCFIN?
ARCFIN has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.