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Northern ARC Capital
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Northern ARC Capital Limited (formerly known Highland Leasing & Finance Private Limited) was incorporated on March 9, 1989 as a Private Limited Company by the Registrar of Companies, Tamil Nadu at Chennai. The name of Company was changed to IFMR Capital Finance Private Limited' on June 19, 2009. Subsequently, the Company was converted into a public limited and the name of Company was changed to IFMR Capital Finance Limited' on December 12, 2017 and finally to Northern Arc Capital Limited' through a fresh certificate of incorporation dated February 20, 2018 issued by RoC.
The Company is a leading player amongst India's diversified NBFCs, with a business model diversified across offerings, sectors, products, geographies and borrower segments. The Company provide liquidity and develop access to debt-capital markets for institutions that impact financially excluded households and business enterprises. It operate in sectors like microfinance, MSME finance, vehicle finance (includes commercial vehicle and two-wheeler finance), consumer finance, affordable housing finance and agricultural supply chain finance. The Company provide multiple offerings to facilitate the flow of credit to the under-served households and businesses. The platform provides three primary offerings, i.e., (i) financing, (ii) syndication and structuring; and (iii) fund management.
In 2009, Company had ventured into first microfinance securitization transaction in new asset classes such as cash loans, consumer durables and trade receivables to fund the needs of existing and new Originator Partners.
In 2010, the Company arranged and structured India's first pooled multi-originator securitization transaction (MOSEC) which enabled funding to four Originator Partners operating in the microfinance sector. It completed first placement transaction of a microfinance securitization with private individual investor, entered the MSME finance sector in 2011. In 2013, it ventured into the vehicle finance and affordable housing finance sectors and completed India's first listed securitization of microfinance loans, which enabled funding to eight Originator Partners operating in the microfinance sector. The Company started operation in fund management business, through subsidiary Northern Arc Investment Managers Private Limited (NAIM) in 2014. In 2016, it commenced retail business, expanded platform with commencement of business with mid-market companies.
In 2018, the Company undertook first persistent securitization transaction which was India's first vehicle loan backed securitization transaction with replenishing structure. This transaction enabled funding to an Originator Partner operating in the vehicle finance sector. In 2019, the Company underwent reorganization through Scheme and became a professionally managed company, got into the consumer finance sector; completed equity raise from IIFL Funds and strategic investment by SMBC, a global bank; structured and arranged the country's first issuance of dual-recourse debentures which enabled funding operating in the vehicle finance sector.
The Company disbursed microfinance loans under the retail business through Nimbus; arranged and structured India's first securitization transaction involving trade receivables which enabled funding to 10 vendors in 2020; in 2021, AltiFi, a digital platform to sell down dematerialized securities held by them to eligible investors got launched.
The Company is proposing an Initial public offering comprising a Fresh Issue of Equity Shares by raising capital upto Rs 300 crore and Offer for sale of up to 36,520,585 Equity Shares to the Public.
Northern ARC Capital share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Market capitalization of Northern ARC Capital indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Northern ARC Capital is valued compared to its competitors.
Northern ARC Capital PE ratio helps investors understand what is the market value of each stock compared to Northern ARC Capital 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
The PEG ratio of Northern ARC Capital evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Return on Equity (ROE) measures how effectively Northern ARC Capital generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Return on Capital Employed (ROCE) evaluates the profitability of Northern ARC Capital in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Total debt of Northern ARC Capital shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
The Debt-to-Equity (DE) ratio of Northern ARC Capital compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
CAGR shows the consistent growth rate of Northern ARC Capital over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Technical analysis of Northern ARC Capital helps investors get an insight into when they can enter or exit the stock. Key components of Northern ARC Capital Technical Analysis include:
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Northern ARC Capital shares often struggle to rise above due to selling pressure.
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Northern ARC Capital ’s financial health and profitability.
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
The financials of Northern ARC Capital provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
The profit and loss statement of Northern ARC Capital highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Northern ARC Capital .
The balance sheet presents a snapshot of Northern ARC Capital ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
Northern ARC Capital Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
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