ALFA Finder| 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
- ₹288.35
- Market cap
- ₹4,666 Cr
- Revenue (annual)
- ₹2,690 Cr
- Net profit (annual)
- ₹406.0 Cr
- P/E (TTM)
- 9.8×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 12.93%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 Business Update
Northern Arc's subsidiary reached a first close of over ₹400 Crore for its Diversified Debt Fund. The India Impact Fund matured with a 14.59% gross XIRR.
- Value
- ₹400.0 Cr
Northern Arc Capital Earnings Call Transcript: Key Takeaways
Management reports record PAT of ₹129 Cr (+41% YoY) on 34% AUM growth, but added provisions overlays and stage 3 rose. Guidance was held with no upgrades, and NIM guidance was maintained despite rising funding costs.
Northern Arc Capital Other Announcement
Northern Arc confirmed its INR 75 crore NCD proceeds were fully utilised with no deviation. This is a routine quarterly use-of-proceeds statement.
Northern Arc Capital Investor Presentation: Key Takeaways
Q2FY27: AUM INR 19,003 Cr (+34% YoY), PAT INR 129 Cr (+41% YoY), record quarterly profit; D2C mix 66%.
Northern Arc Capital Debt & Borrowing
Northern Arc reported a 1.12 times security cover for listed secured NCDs as of 30 September 2026. Periodic Regulation 54 certificate on existing debt.
Northern Arc Capital Results Update
Northern Arc reported Q2FY27 PAT up 41% YoY to INR 129 Crore, with lending AUM up 34%. Gross NPA stood at 1.25% and capital adequacy at 20.8%.