Northern Arc Capital Ltd Stock Price Today (NSE: NORTHARC)

Northern Arc Capital Ltd

285.00+0.35 (+0.12%)
Market Closed

Fundamental Score

...

Northern Arc Capital Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Northern Arc Capital Ltd share price today is 285.00, up +0.12% on NSE/BSE as of 4 August 2026. Northern Arc Capital Ltd (NORTHARC) is a Mid-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of 5.13K (Cr). The 52-week high for NORTHARC share price is 334.00 and the 52-week low is 206.00. At a P/E ratio of 12.64x, NORTHARC is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 11.08% and a debt-to-equity ratio of 3.15.

Northern Arc Capital Ltd Share Price Chart — NSE/BSE Historical Performance

No data
High
334.00
Low
278.60
Volume
9.4L
Change
-5.64%

Northern Arc Capital Ltd share price chart: -5.64% return over the past month. 52-week high ₹334.00, 52-week low ₹206.00.

Northern Arc Capital Ltd — Last 10 Trading Days

DateOpenHighLowCloseVolume
290.00295.60282.00284.655.97L (Cr)
286.00292.80285.00287.005.79L (Cr)
289.90289.90283.15285.905.72L (Cr)
285.35290.95281.15288.808.50L (Cr)
300.00300.10278.60285.3530.59L (Cr)
304.40310.00296.00300.1011.78L (Cr)
295.90301.10291.60299.404.30L (Cr)
304.40312.00304.10305.759.55L (Cr)
300.00307.95298.55305.308.50L (Cr)
314.30315.70297.70301.6012.55L (Cr)

Northern Arc Capital Ltd — Last 12 Months Price History

MonthOpenHighLowCloseChange
290.00295.60282.00284.65-1.84%
298.30334.00278.60287.00-3.79%
281.00308.80273.10298.10+6.09%
262.13321.70256.30281.60+7.43%
213.95264.30208.11262.13+22.52%
240.00251.00206.00206.85-13.81%
255.85264.05227.90252.05-1.49%
250.60280.38249.25272.39+8.70%
272.00272.40239.15249.35-8.33%
272.95285.00251.70269.45-1.28%
273.50290.00261.50272.15-0.49%
237.00287.00236.35271.70+14.64%

AI Research Briefing

Powered by Gemini · 2026-04-15

Small-cap NBFC banking on tech-driven D2C lending, but liquidity risk and thin interest coverage keep it on a short leash.

Research Confidence
6.0/10Moderate
DEBT TRAP TURNAROUNDConsolidation, 1M: -2.2%, 3M: 10.8%, 6M: 28.12%.Fair, P/E 15.02x vs Industry P/E 22.03x.

WHAT'S HAPPENING NOW (last 2-4 weeks)

Northern Arc Capital is gearing up to release its Q4 FY26 results in May 2026. Analysts are projecting revenue between -645 Cr and PAT between -132 Cr. The stock saw a 3.77% gain during the week ending April 2, 2026, closing at , outperforming the Sensex. MarketsMOJO upgraded the stock to "Hold" on April 1, 2026, citing improved financials and valuation.

CORE STORY (THE REAL GAME)

Northern Arc is trying to be a tech-driven credit ecosystem play, targeting underserved households and businesses. The key is whether they can scale the D2C lending while maintaining asset quality.

Why Now
  • Upcoming Q4 FY26 results in May 2026
  • Recent upgrade to 'Hold' rating
  • Strong AUM and profit growth in Q3 FY26
Potential Catalysts
  • Q4 FY26 earnings beat/miss
  • Significant order wins or partnerships
  • Changes in RBI regulations for NBFCs
Key Risks
  • Micro/SME focus = high liquidity risk
  • Thin interest coverage at 1.42x
  • Operating margin compression in Q3 FY26
Institutional Activity

FII down 1.58%, DII up 0.55% suggests mixed institutional sentiment.

Macro Context

NBFCs are bridging the credit gap, but rising reliance on bank borrowings is a headwind.

Cash Flow Quality

No, Free Cash Flow 5Y: ₹-6550.9 Cr.

3–6 Month Outlook

Monitor Q4 results and FY27 guidance. Key is sustainable AUM growth and asset quality in the D2C segment.

Primary Thesis Risk

Asset quality deterioration in the D2C portfolio could trigger a collapse.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Poor

Return on Equity (ROE)

11.08%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

9.71%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

58.70%

Average operating profit margin over 5 years

Dividend Yield

0.00%

Annual dividend as % of current share price

Northern Arc Capital Ltd Valuation Check

Excellent

Price to Earnings (P/E)

12.64x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

22.18x

Average P/E of all peers in this sector

Market-cap Classification
Mid-cap
Balance of growth potential and stability.

Shareholding Pattern

Poor

Promoter Holding

0.00%

% shares held by company founders/management

Average

FII Holding

7.51%

% shares held by foreign institutional investors

Average

DII Holding

7.11%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Excellent

Profit Growth (Quarterly YoY)

250.90%

Net profit growth vs same quarter last year

Excellent

Revenue Growth (Quarterly YoY)

23.09%

Revenue growth vs same quarter last year

Excellent

Revenue Growth (5-Year CAGR)

31.58%

Compounded annual revenue growth over 5 years

Excellent

EPS Growth (5-Year CAGR)

26.76%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

43.16%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

3.15x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.60x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-7.39K (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Northern Arc Capital Ltd Fundamental Analysis & Valuation Benchmarking

Educational evaluation of NORTHARC across key market metrics for learning purposes.

Positive Indicators

8 factors identified

Strong Operating Margins (58.70%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Attractive Valuation (P/E: 12.64 vs Industry: 22.18)

Observation: Trading at discount to industry peers.

Analysis: P/E below industry average may present value opportunity.

Robust Profit Growth (250.90%)

Observation: Strong year-over-year profit expansion demonstrates business momentum.

Analysis: Profit growth >20% indicates effective execution and market opportunity capture.

Strong Revenue Growth (23.09%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Consistent Growth Track Record (31.58% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Excellent EPS Growth (26.76% CAGR)

Observation: Outstanding 5-year earnings per share compound growth.

Analysis: EPS CAGR >15% indicates strong wealth creation potential.

Strong Profit Growth Track Record (43.16% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

6 factors identified

Suboptimal ROCE (9.71%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.

Elevated Debt Levels (D/E: 3.15)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.60x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-7391.39 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Low Promoter Commitment (0.00%)

Observation: Reduced promoter stake may indicate limited confidence.

Analysis: Low promoter holding may raise questions about management commitment.

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.

Northern Arc Capital Ltd vs Non Banking Financial Company (NBFC) Peers

Peer Comparison - Non Banking Financial Company (NBFC)

Compare Northern Arc Capital Ltd with 10 other companies in the same sector

11 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
56.1/100
285
₹5130.79
12.6
Average
11.08%
Average
9.71%
Poor
3.1
Poor
43.16%
Excellent
31.58%
Excellent
0.00%
62.4/100
1141
₹635919.89
33.1
Average
18.25%
Good
10.87%
Average
3.8
Poor
34.15%
Excellent
25.18%
Excellent
0.53%
48.8/100
1047
₹243379.83
24.3
Average
16.39%
Good
11.49%
Average
3.8
Poor
32.03%
Excellent
22.54%
Excellent
1.04%
65.8/100
1850
₹153802.44
29.4
Average
19.35%
Good
9.71%
Poor
6.9
Poor
28.05%
Excellent
26.56%
Excellent
0.11%
73.9/100
3120
₹121113.00
11.4
Average
30.92%
Excellent
15.77%
Good
3.9
Poor
22.71%
Excellent
22.03%
Excellent
0.99%
55.2/100
311
₹78301.66
24.4
Average
11.22%
Average
8.40%
Poor
3.9
Poor
32.35%
Excellent
6.05%
Good
0.88%
54.3/100
686
₹62415.22
22.6
Average
13.94%
Average
9.09%
Poor
4.8
Poor
45.37%
Excellent
10.99%
Good
0.53%
43.9/100
660
₹60979.59
28.1
Average
14.69%
Average
10.10%
Average
2.8
Poor
17.08%
Excellent
16.43%
Excellent
0.39%
29.5/100
4666
₹50074.63
23.8
Average
15.01%
Good
9.44%
Poor
4.7
Poor
12.69%
Good
13.23%
Good
0.89%
23.9/100
539
₹42560.25
22.0
Average
13.13%
Average
13.67%
Average
0.2
Excellent
0.04%
54.9/100
464
₹41881.04
77.1
Average
5.86%
Poor
7.51%
Poor
4.7
Poor
24.33%
Excellent
23.97%
Excellent
0.00%

Northern Arc Capital Ltd PE Ratio History

Historical price-to-earnings ratio for NORTHARC — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 202522.53₹249.3511.1x
FY 202417.36₹217.0512.5x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Northern Arc Capital Ltd Quarterly Performance

Latest quarterly metrics for NORTHARC — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

23.09%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

250.90%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

31.58%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

43.16%

Compounded annual net profit growth over 5 years

Northern Arc Capital Ltd Technical Indicators

SMA 50, SMA 200, RSI and volume signals for NORTHARC — calculated from daily price history

36RSI 14
Neutral — RSI 36

Momentum is balanced — neither overbought nor oversold.

SMA 50
296
▼ Price below SMA 50 — Short-term bearish
SMA 200
266
▲ Price above SMA 200 — Long-term uptrend
30-Day Avg Volume
822K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Northern Arc Capital Ltd Financial Statements

Annual income statement, balance sheet and cash flow for Northern Arc Capital Ltd (NORTHARC) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Northern Arc Capital Ltd

About NORTHARC (Northern Arc Capital Ltd)

Northern Arc Capital Ltd is a systemically important non-banking financial company (NBFC) operating within the dynamic Indian financial landscape. It distinguishes itself through a... diversified business model, strategically catering to underserved sectors and bridging the crucial credit gap for individuals and businesses often excluded from traditional banking services. With a focus on impact and innovation, Northern Arc Capital functions as a pivotal intermediary, connecting investors with high-quality debt opportunities generated from niche segments. Their expertise lies in crafting bespoke financial solutions and facilitating efficient capital flow to sectors including microfinance, small and medium enterprises (SMEs), affordable housing, agriculture, and vehicle finance. Through a comprehensive suite of offerings, the company actively contributes to inclusive growth and financial deepening across the nation. The core of Northern Arc Capital's operations revolves around three distinct pillars: financing activities, investment advisory services, and investment management services. The financing arm provides tailored credit solutions to a wide array of borrowers, encompassing personal loans, business expansion loans, educational funding, and mortgage solutions. Furthermore, the company extends vital financial support to Micro, Small, and Medium Enterprises (MSMEs), microfinance institutions (MFIs), consumers seeking durable goods, and individuals requiring vehicle financing. The investment advisory and management segments are dedicated to structuring and managing investments that target specific social and economic goals, attracting both domestic and international investors seeking compelling returns while simultaneously driving positive societal impact. Northern Arc Capital adopts a partnership-driven approach, collaborating extensively with a diverse network of financial institutions, impact investors, and grassroots organizations. This collaborative ecosystem enables the company to penetrate deeply into underserved markets, ensuring that financial resources reach those who need them most. By combining a robust risk management framework with a deep understanding of local market dynamics, Northern Arc Capital effectively mitigates risks while maximizing its developmental impact. The company is committed to upholding the highest standards of corporate governance and transparency, solidifying its reputation as a trusted and reliable partner in the Indian financial ecosystem. Their mission is to empower individuals and businesses, fostering economic growth and social progress through innovative financial solutions.

Company Details

Symbol:NORTHARC
Industry:Non Banking Financial Company (NBFC)
Sector:Non Banking Financial Company (NBFC)

Key Leadership

Mr. Ashish Mehrotra
MD, CEO & Director
Mr. Atul Tibrewal
Chief Financial Officer
Mr. Prakash Chandra Panda
Company Secretary & Compliance Officer

NORTHARC Share Price: Frequently Asked Questions

What is the current share price of Northern Arc Capital Ltd?

Northern Arc Capital Ltd (NORTHARC) trades at ₹285.00 on NSE and BSE. Market cap ₹5.13K (Cr). Educational data only.

What is the P/E ratio of Northern Arc Capital Ltd?

Northern Arc Capital Ltd has a P/E of 12.64x vs industry average 22.18x.

What is the Bull Run score for Northern Arc Capital Ltd?

Northern Arc Capital Ltd has a Bull Run score of 56.1/100 based on 25+ financial parameters.

Does Northern Arc Capital Ltd pay dividends?

Northern Arc Capital Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.

What is the ROE of Northern Arc Capital Ltd?

Northern Arc Capital Ltd has ROE of 11.08%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Northern Arc Capital Ltd?

Northern Arc Capital Ltd has debt-to-equity of 3.15.

Is Northern Arc Capital Ltd a good investment?

Bull Run gives Northern Arc Capital Ltd a score of 56.1/100. This is not investment advice — consult a SEBI-registered advisor.