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Overview

Detailed Summary

Northern Arc Capital Limited is a diversified financial services platform focused on meeting the retail credit needs of underserved households and businesses in India. The company offers lending, placements, and fund management solutions.
In Q3FY26, Northern Arc achieved record-high AUM and profit levels with AUM reaching INR 15,121 crore and PAT crossing INR 101 crore despite challenging economic conditions.
The Direct to Customer (D2C) business model accounted for 56% of total AUM as of December 2025, demonstrating significant growth both year-on-year and quarter-on-quarter.
Northern Arc has successfully leveraged technology through platforms like Nimbus, nPOS, and NuScore to enhance credit flow and optimize risk-adjusted returns, showing potential for future fee-based business expansion.
Despite the offshore funding challenges, Northern Arc maintained a strong liquidity position with a diverse funding base and a focus on long-term funding sources.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 4,838 Cr
Volatility: High Risk
P/E Ratio: 11.9
Industry P/E: 18.6
PEG Ratio: 0.4
P/B Ratio: 1.2
52W High: 333.75
52W Low: 206.00

Sales CAGR

1Y: 23.97%
3Y: 37.06%
5Y: 29.91%
10Y: —

Profit CAGR

1Y: -5.15%
3Y: 18.31%
5Y: 23.96%
10Y: —

ROE

TTM: 10.42%
3Y: 10.77%
5Y: 9.56%
10Y: —

ROCE

TTM: 8.83%
3Y: 10.36%
5Y: 9.95%
10Y: —

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MASFIN		314.60	5,679 Cr	15.16	1.91	0.64	12.48	10.62	2.73
FEDFINA		150.15	5,645 Cr	14.75	1.93	0.00	11.74	8.06	2.27
DHENUBUILD		8.74	5,156 Cr	—	6.13	0.00	-0.11	0.04	-0.13
NORTHARC		298.70	4,838 Cr	11.91	1.24	0.00	10.42	8.83	2.41
SGFIN		698.90	4,605 Cr	29.37	3.11	0.00	8.74	7.34	3.76
AYE		171.80	4,242 Cr	17.85	1.67	0.00	7.65	10.24	3.06
INDOSTAR		261.00	4,207 Cr	—	1.11	0.00	-23.17	-2.76	1.48
Median: 7 Co.	—	261.00	4,838 Cr	15.16	1.91	0.00	8.74	8.06	2.41

Financial Statements

Upcoming Result Date: Jul 26, 2026

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	492	564	578	585	576	603	605	627	721	742
Expenses	200	242	245	243	267	366	282	292	354	320
Interest	184	204	209	205	214	200	216	208	231	239
Financing Profit	108	118	123	137	96	36	107	128	136	183
Financing Margin %	22.02	20.85	21.31	23.36	16.62	6.02	17.61	20.33	18.82	24.67
Other Income	4.01	0.89	4.18	0.05	4.18	3.70	1.99	-1.60	3.83	-2.71
Depreciation	4.65	4.66	3.87	3.18	5.87	4.96	4.24	4.97	4.88	4.70
Profit Before Tax	108	114	123	134	94	35	104	121	135	176
Tax %	23.87	24.86	24.17	28.02	22.18	-9.63	25.03	24.79	24.48	24.45
Net Profit	82	86	94	96	73	38	78	91	102	133
EPS in Rs	—	—	—	6.72	4.65	2.33	4.98	5.62	6.21	8.16
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	602	633	681	910	1,305	1,890	2,342	2,369
Expenses	136	174	256	248	419	741	1,121	1,159
Interest	302	309	323	411	557	726	828	835
Financing Profit	164	150	103	251	329	422	392	375
Financing Margin %	27.25	23.64	15.07	27.59	25.20	22.34	16.73	15.84
Other Income	16	1.63	4.12	7.01	4.36	15	12	9.92
Depreciation	4.69	6.73	6.74	9.58	12	17	18	18
Profit Before Tax	175	144	100	248	321	420	386	367
Tax %	33.97	28.76	23.40	26.75	24.60	24.40	21.95	22.08
Net Profit	115	103	77	182	242	318	301	286
EPS in Rs	—	—	—	—	—	23.45	—	24.96
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	78	87	88	89	89	89	161
Reserves	1,089	1,419	1,494	1,650	1,866	2,225	3,273
Borrowings	2,925	2,921	3,932	5,983	7,035	9,048	9,860
Other Liabilities	185	170	183	252	382	346	344
Total Liabilities	4,278	4,597	5,697	7,974	9,372	11,708	13,638
Fixed Assets	84	25	22	24	51	57	76
CWIP	3.43	0.95	0.54	0.28	0.99	2.31	5.93
Investments	1,193	1,171	1,383	1,766	1,790	1,785	2,052
Other Assets	2,997	3,400	4,292	6,184	7,530	9,864	11,504
Total Assets	4,278	4,597	5,697	7,974	9,372	11,708	13,638

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-456	-336	-54	-711	-1,326	-1,296	-2,134	-1,047
Cash from Investing Activity	74	-36	-26	-201	-386	-115	36	-388
Cash from Financing Activity	449	375	223	977	2,028	928	2,045	1,586
Net Cash Flow	67	3.57	142	65	317	-483	-53	151

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jul 2021	Feb 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	0.00%	0.00%	0.91%	0.50%	1.47%	5.39%	3.82%	3.95%	3.75%	4.88%
DIIs	100.00%	100.00%	27.20%	26.90%	26.30%	10.65%	11.21%	12.05%	10.88%	9.39%
Public	0.00%	0.00%	71.90%	72.60%	72.23%	83.97%	84.97%	84.01%	85.37%	85.73%
Total Shareholders	17	33	1,24,981	1,15,060	1,10,098	1,11,037	1,04,045	1,01,790	96,297	90,306

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Documents

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Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q2 FY25

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Announcements

Last 7 days

Sentiment

Regulatory/Compliance Filing

9 hours ago

Northern Arc Capital BRSR FY2025-26

Northern Arc Capital Ltd filed its Business Responsibility & Sustainability Report (BRSR) for FY 2025-26, which forms part of the Annual Report and is available on the company website.

Regulatory/Compliance Filing

9 hours ago

Northern Arc Capital BRSR FY2025-26

Northern Arc Capital Ltd filed its Business Responsibility and Sustainability Report (BRSR) for FY 2025-26, forming part of the Annual Report; report is available on the company website.

AGM/EGM Notice

10 hours ago

Northern Arc Capital AGM on 18 Aug 2026

Northern Arc Capital Ltd: Notice of 18th AGM on 18 Aug 2026 at 11:30 AM IST via VC/OAVM. Agenda: adopt FY2025-26 audited financials, director re-appointment, joint auditors appointment, approval for charges/borrowings up to INR 17,000 Cr and NCD issuance.

AGM/EGM Notice

10 hours ago

Northern Arc Capital Ltd: AGM on 18 Aug 2026

Northern Arc Capital Ltd: Notice for 18th AGM on 2026-08-18 at 11:30 AM IST via VC/OAVM. Agenda: adopt audited FY2025-26 financials, reappoint director, appoint joint auditors, approve borrowings/charges and issue of NCDs up to INR 17,000 Cr.

Credit Rating

1 day ago

Northern Arc Capital assigned ICRA ESG Impact Rating 81

Northern Arc Capital Ltd received [ICRA ESG] Impact Rating 81, Outstanding from ICRA ESG Ratings Limited; rating communication dated July 24, 2026. Company engaged ICRA ESG for an independent assessment.

Credit Rating

1 day ago

Northern Arc: ICRA ESG Impact Rating 81 Outstanding

Northern Arc Capital Ltd reports ICRA ESG Ratings Limited has assigned an [ICRA ESG] Impact Rating 81, 'Outstanding'. The rating letter was received on 2026-07-24 and has been uploaded to the company's website.

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Frequently Asked Questions about Northern Arc Capital Ltd

Northern Arc Capital Ltd (NORTHARC) is currently trading at 298.70 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Northern Arc Capital Limited is a diversified financial services platform focused on meeting the retail credit needs of underserved households and businesses in India. The company offers lending, placements, and fund management solutions. In Q3FY26, Northern Arc achieved record-high AUM and profit levels with AUM reaching INR 15,121 crore and PAT crossing INR 101 crore despite challenging economic conditions. The Direct to Customer (D2C) business model accounted for 56% of total AUM as of December 2025, demonstrating significant growth both year-on-year and quarter-on-quarter. Northern Arc has successfully leveraged technology through platforms like Nimbus, nPOS, and NuScore to enhance credit flow and optimize risk-adjusted returns, showing potential for future fee-based business expansion. Despite the offshore funding challenges, Northern Arc maintained a strong liquidity position with a diverse funding base and a focus on long-term funding sources.

Over the past 52 weeks, Northern Arc Capital Ltd has traded between a low of ₹206.00 and a high of ₹333.75. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Northern Arc Capital Ltd has a market capitalization of approximately 4,838.23. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Northern Arc Capital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.91 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 4,838.23 Cr, Northern Arc Capital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Northern Arc Capital Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Northern Arc Capital Ltd is 11.91. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

The 18th AGM is scheduled for August 18, 2026 at 11:30 A.M. IST and will be held via Video Conferencing (VC) or Other Audio Visual Means (OAVM).

For Q4FY26, PAT was reported at about Rs 132.5-133 crore, with different disclosures citing consolidated PAT of Rs 132.50 crore and a quarterly PAT of about Rs 133 crore.

Northern Arc Capital reported consolidated PAT of ₹406 crore for FY26, up 33% year-on-year.

The board meeting is scheduled for May 08, 2026 to consider audited results for Q4 and the year ended March 31, 2026.

Northern Arc Capital Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

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Northern Arc Capital BRSR FY2025-26

Northern Arc Capital BRSR FY2025-26

Northern Arc Capital AGM on 18 Aug 2026

Northern Arc Capital Ltd: AGM on 18 Aug 2026

Northern Arc Capital assigned ICRA ESG Impact Rating 81

Northern Arc: ICRA ESG Impact Rating 81 Outstanding

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Consolidated Quarterly Results (in ₹ Crores)

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Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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