NPR Finance Ltd - Stock Valuation and Financial Performance

BSE: 530127 | NSE: | Finance - NBFC | Small Cap

NPR Finance Share Price

23.55 -0.02 -0.08%
as on 11-Feb'25 16:59

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NPR Finance stock performance -
23.55 2.009.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
50.56
Market Cap:
14.1 Cr.
52-wk low:
16.5
52-wk high:
38.9

Is NPR Finance Ltd an attractive stock to invest in?

1. Is NPR Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that NPR Finance Ltd is a below average quality company.

2. Is NPR Finance Ltd undervalued or overvalued?

The key valuation ratios of NPR Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is NPR Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of NPR Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of NPR Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
NPR Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
47.84441.135.736.627.85.87.612.79.55
YoY Gr. Rt. %
--7.9%-6.6%-13%2.5%-24.1%-79.2%32%67%-25.7%-
Adj EPS (₹ )
3.80.74.92.54.22.8-1.8-0.1-41.80.5
YoY Gr. Rt. %
--81.9%611.6%-49.3%69.5%-34.4%-163.9%NANANA-
BVPS (₹ )
59.960.665.469.284.3909089.483.278.979.1
YoY Gr. Rt. %
-1.2%7.9%5.7%21.9%6.8%-0.1%-0.6%-7%-5.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
5.516.53.14.82.8-1.8-0.1-4.220

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-16.5%-23.7%17.9%-25.7%
Adj EPS-7.9%-15.6%NANA
BVPS3.1%-1.3%-4.3%-5.2%
Share Price 6.5% 12.6% 17.3% 12.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
4.80.97.24.26.96-18.4-0.7-1911.55.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
6.61.17.83.75.53.2-2-0.1-4.72.20.6

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 0.60%

Total Income has increased 17.89 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - NPR Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.5 -
TTM Sales (₹ Cr.) 5.2 -
BVPS (₹.) 79.1 -
Reserves (₹ Cr.) 41 -
P/BV 0.30 -
PE 50.56 -
From the Market
52 Week Low / High (₹) 16.51 / 38.94
All Time Low / High (₹) 0.95 / 54.75
Market Cap (₹ Cr.) 14.1
Equity (₹ Cr.) 6
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income1.3 45.51.4 34.61.3 12.41.3 1.6
Adj EPS (₹)0.00 N/A0.08 N/A0.38 322.2-0.14 -145.2
Net Profit Mgn %-0.12 4791 bps2.63 501 bps12.37 1039 bps-4.32 -992 bps

Management X-Ray of NPR Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:68.02%Institutions:0%Non-Institutions:31.98%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of NPR Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of NPR Finance

Adj EPS (Rs.)

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Total Income (Cr.)

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ROE (%)

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BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
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Change ₹(%)
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Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
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Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income47.8044.0541.1335.7736.8128.255.787.6312.779.47
Interest Income47.7644.0141.0935.7336.6127.795.787.6312.749.47
Other Income 0.040.040.040.030.200.46000.030.01
Expenditure 44.4842.7937.5834.6133.7226.487.147.4215.729.14
Interest Expense 0.520.190.810.660.610.400.380.140.220.53
Operating Expenses 40.1539.3836.213332.9025.375.306.7212.238.30
Provisions 3.813.220.560.950.200.711.470.563.260.32
Exceptional Items 00000000-0.371.14
Profit Before Tax 3.321.263.551.163.091.77-1.360.21-3.321.48
Taxes 1.030.850.61-0.330.560.12-0.300.26-0.900.39
Profit After Tax 2.280.412.941.492.531.66-1.06-0.05-2.421.09
Adjusted EPS (₹)3.80.74.92.54.22.8-1.8-0.1-4.01.8
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital35.8836.3139.1941.4350.4953.9453.9153.5649.8347.25
Share Capital 6666666666
Reserves 29.8830.3233.1935.4344.4947.9447.9147.5643.8341.25
Minority Interest0000000000
Long Term Borrowings2.382.482.282.283.213.713.573.322.031.20
Current Liabilities 2.883.9464.284.073.423.131.595.254.27
Trade Payables0.050.200.030.280.200.0100.0400.03
Short term borrowings1.792.765.193.683.503.092.230.302.813.77
Other Liabilities-1.84-2.96-5.22-3.96-3.70-3.10-2.23-0.33-2.82-3.80
Total Liabilities 41.1442.7347.4747.9957.7761.0760.6158.4757.1152.72

Assets

Non Current Asset 11.3711.8610.5010.3015.2316.8617.8720.3314.9810.09
Loan Asset 0000000000
Other Non Current Asset 11.3711.8610.5010.3015.2316.8617.8720.3314.9810.09
Current Asset 29.7630.8736.9837.6942.5344.2142.7438.1442.1342.63
Current Investment0000000000
Other Current Asset29.7630.8736.9837.6942.5344.2142.7438.1442.1342.63
Total Assets 41.1442.7347.4747.9957.7761.0760.6158.4757.1152.72

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 3.16-0.88-2.831.850.79-0.140.382.66-3.51-4.07
Cash Flow From Investing Activity -1.03-0.320.82-0.650.200.48-0.40-0.162.861.01
Cash Flow From Financing Activity -2.181.162.17-1.01-0.27-0.54-1-2.052.460.96
Net Cash Flow -0.05-0.030.160.190.72-0.20-1.020.451.82-2.10
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)415243-20-42
DPS (₹)0000000000
BVPS (₹)60616569849090898379

Performance Ratios

ROA (%)5.51.06.53.14.82.8-1.8-0.1-4.22.0
ROE (%)6.61.17.83.75.53.2-2.0-0.1-4.72.2
ROCE (%)10.13.810.44.07.43.9-1.70.6-5.83.9

Valuation Parameters

Price/Book(x)0.20.20.30.50.30.10.10.10.20.3

NPR Finance Ltd Stock News

NPR Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of NPR Finance on 11-Feb-2025 16:59 is ₹23.55.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of NPR Finance stood at ₹14.11.
The latest P/E ratio of NPR Finance as of 11-Feb-2025 16:59 is 50.56.
The latest P/B ratio of NPR Finance as of 11-Feb-2025 16:59 is 0.30.
The 52-week high of NPR Finance is ₹38.94 and the 52-week low is ₹16.51.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of NPR Finance is ₹5.20 ( Cr.) .

About NPR Finance Ltd

NPR Finance was incorporated on June 12, 1989 and was converted into a deemed public limited company on September 30, 1989. Consequently the word private was deleted from its name. The company is organized around the three business segments of financial, money changing, and wind power generation.

Financial activities consist of granting loans covered by leasing and hypothecation agreements, shares and securities. In the power generation sector, the company has installed two wind turbines in the state of Maharashtra. It has branches in New Delhi, Agra, Mumbai, Jaipur, Ahmadabad, Chennai and Kochi.

With regards to the business of real estate, the company has recently entered into an agreement for purchase of 40 bighas of land in the District of North 24 Parganas for developmental purposes.

The registered office of the company is located at 19, R. N. Mukherjee Road, Floor I, Main Building, Kolkata 700001.

Business area of the company

The company is engaged in the business of lease, hire purchase of commercial vehicles, cars, earth moving equipments & bills discounting & recently commenced real estate development.

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