| Margins | Net Interest Income grew 32% YoY; Incremental Cost of Funds stable at 8.7%. |
|---|---|
| Order book | Lending AUM at INR 16,855 Cr; Fund Management AUM at INR 2,988 Cr. |
| Demand visibility | Strong momentum in Consumer Finance and MSME segments. |
| Management confidence | High; reporting highest ever Q1 profit in company history. |
Growth
PAT grew 41% YoY to INR 114 Cr; Net Interest Income rose 32% to INR 394 Cr. Total AUM increased 26% YoY.
Outlook
Focusing on fee-based businesses, digital platform monetization via nPOS and NuScore, and expanding the D2C retail lending engine.
Risks
MFI sector experienced overleverage stress; asset quality in Intermediate Retail shows a GNPA of 0.8% and Credit Cost of 1.5%.
Last quarter's promises, checked
Delivered
- D2C mix target 60% → delivered 64% (= BEAT)
- Steady state credit cost 2.7%-2.8% → delivered 1.5% in Intermediate Retail (= BEAT)
- Incremental cost of funds 8.6%-8.7% → delivered 8.7% (= BEAT)
Partly delivered
- AUM growth 22%-25% → delivered 26% YoY but Q1 growth slowed QoQ (= PARTIAL)
Investor Presentation filed with NSE, NSE: NORTHARC. Summary written with AI assistance from the document.
Northern Arc Capital Ltd: key numbers
- Share price
- ₹300.90
- Market cap
- ₹4,869 Cr
- Revenue (annual)
- ₹2,690 Cr
- Net profit (annual)
- ₹406.0 Cr
- P/E (TTM)
- 11.1×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 8.64%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Northern Arc Capital Ltd
All →Northern Arc Capital Employee Stock Options
Northern Arc Capital allotted 1,44,000 ESOP shares to option grantees under its 2016 plan. Paid-up equity capital increased to Rs. 161.81 Crore.
Northern Arc Capital Other Announcement
Northern Arc Capital Limited submitted its monthly Asset Liability Management (ALM) statement for July 2026 to the Reserve Bank of India, as mandated by regulatory requirements.
Northern Arc Capital Earnings Call Transcript: Key Takeaways
Northern Arc delivered robust performance with 41% PAT growth, driven by direct-to-customer expansion crossing a 10,000 crore AUM milestone. The shift toward higher-yielding retail segments is successfully offsetting tight liquidity environments.
- Call
- Guides 23% growth
Northern Arc Capital Q1 FY27 Results: Net Profit ₹114.1 Cr, Up 45.9% YoY
Northern Arc Capital Ltd reported revenue from operations of ₹779.8 Cr (+28.8% YoY) and net profit of ₹114.1 Cr (+45.9% YoY) for Q1 FY27.
- Key figure
- Net profit ₹114.1 Cr · +45.9% YoY
Northern Arc Capital Earnings Call: Key Takeaways
Northern Arc reported its highest-ever quarterly profit of ₹133cr for Q4FY26, with FY26 PAT at ₹406cr. Strategy focuses on Direct-to-Customer (D2C) growth, which now accounts for 59% of AUM.
Northern Arc Capital Earnings Call: Key Takeaways
Northern Arc Capital delivered strong FY26 performance with a record ₹133cr quarterly PAT, transition to a diversified lender with 59% direct-to-customer book and solid return on equity.