| Management target | Revenue 23.0% FY27 |
|---|
| Revenue growth | Total AUM grew 26% YoY; fee income up 28%. |
|---|---|
| Margins | NIM expanded to 9.3%; targeting 10% by year-end. |
| Demand visibility | Strong retail demand in MSME and consumer finance sectors. |
| Management confidence | High; emphasizing disciplined execution and diversified retail strategy. |
Growth
AUM grew 26% YoY to 16,855 crore; NIMs expanded by 44 bps to 9.3%.
Outlook
Targeting 3% ROA and 10% NIMs by end of FY27; guiding credit costs at 2.6-2.7%.
Risks
Potential stress in microfinance and unsecured business loans; impact of El Nino on rural demand.
Last quarter's promises, checked
Delivered
- Guided 2.7% to 2.8% credit cost → delivered 2.8% (= BEAT)
- Guided 15% risk-adjusted yield in consumer finance → delivered 15% (= BEAT)
- Guided 59% D2C AUM mix → delivered 59% (= BEAT)
Partly delivered
- Guided 3% ROA → delivered 2.8% (= PARTIAL)
- Guided 15% to 18% ROE in 7-8 quarters → On track (= PARTIAL)
Earnings Call Transcript 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 Investor Presentation: Key Takeaways
Northern Arc reported strong Q1FY27 performance with PAT growing 41% YoY to INR 114 Cr. Total Lending AUM reached INR 16,855 Cr, driven by a 64% Direct-to-Customer mix.
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.