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10 Yrs X-Ray 
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Analyst Note 
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About
Nahar Capital And Financial Services Ltd (NAHARCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532952 NSE: NAHARCAP Finance - NBFC | Small Cap | Nahar Capital &Finl. Share Price
₹256 -0.25 (-0.10%)
As on 11-Sep'26 16:59
Nahar Capital And Financial Services Ltd (NAHARCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532952 NSE: NAHARCAP Finance - NBFC | Small Cap | Nahar Capital &Finl. Share Price
₹256 -0.25 (-0.10%)
As on 11-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹429 Cr.
Current Price
₹256
52-Week Low / High
₹196 / 320
TTM EPS
₹71.1
Book Value per Share
₹978.9
P/E Ratio
3.60
Lower than its 5-year historical median
Industry PE
27
Price to Book (P/B)
0.26
Lower than its 5-year historical median
EV/EBITDA
11.23
Lower than its 5-year historical median
Dividend Yield
0.59%
Profitability Efficiency
Return on Equity (ROE)
3.98%
Outperforms industry median
Return on Capital Employed (ROCE)
5.03%
Outperforms industry median
Return on Assets (ROA)
3.59%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
5.11%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0.64%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹27.1 Cr.
Reserves
₹1,631 Cr.
Equity
₹8.4 Cr.
Face Value
₹5
All Time Low / High
₹17.65 / 682.20
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
Is Nahar Capital And Financial Services Ltd a good quality company?
Nahar Capital And Financial Services Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Nahar Capital And Financial Services Ltd performance compare with that of its Peers?
AUM Growth of Nahar Capital And Financial Services Ltd vs Industry Peers?
Nahar Capital And Financial Services Ltd AUM CAGR is 8.99%, compared to the 5-year industry median CAGR of 10.04%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Nahar Capital And Financial Services Ltd?
Promoters hold 72.53% of the Nahar Capital And Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Nahar Capital And Financial Services Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 12% based on the current price.
10 Year X-Ray :
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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.
Nahar Capital And Financial Services Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 14.6 | 17.9 | 11.2 | 15.4 | 23.1 | 36.7 | 31.8 | 28.2 | 29.1 | 30.7 | 30 | |
| YoY Gr. Rt. % | - | 22.4% | -37% | 37.3% | 49.4% | 59.3% | -13.4% | -11.5% | 3.2% | 5.7% | - | |
| Adj EPS (₹ ) | 15.1 | 11.5 | 7.1 | 8.7 | 17.7 | 18.2 | 16.6 | 22.9 | 18.2 | 17.2 | 20.4 | |
| YoY Gr. Rt. % | - | -24.2% | -38.4% | 24% | 102.8% | 2.5% | -8.6% | 38.1% | -20.9% | -5.3% | - | |
| BVPS (₹ ) | 317.3 | 455.1 | 451.6 | 379.4 | 424.4 | 480 | 508.4 | 530.1 | 541.1 | 544.6 | 552.8 | |
| YoY Gr. Rt. % | - | 43.4% | -0.8% | -16% | 11.8% | 13.1% | 5.9% | 4.3% | 2.1% | 0.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 4.7 | 2.8 | 1.5 | 2.1 | 4.3 | 3.9 | 3.3 | 4.3 | 3.3 | 3.1 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 8.6% | 5.9% | -1.2% | 5.7% | ||||
| Adj EPS | 1.4% | -0.6% | 1.1% | -5.3% | ||||
| BVPS | 6.2% | 5.1% | 2.3% | 0.6% | ||||
| Share Price | 12.1% | -1.3% | -8.5% | -11.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 173.4 | 107.4 | 104.9 | 94.7 | 128.6 | 82.8 | 87.4 | 136.4 | 104.7 | 93.7 | 113.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 4.9 | 3 | 1.6 | 2.1 | 4.4 | 4 | 3.4 | 4.4 | 3.4 | 3.2 | 3.7 | |
Valuation of Nahar Capital &Finl. - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 42 | 27 | 24 | 22 | 90 | 314 | 102 | 25 | 70 | 94 |
| Exceptional Items ⓘ | 27 | 13 | 14 | 9 | 68 | 284 | 77 | 1 | 43 | 66 |
| Expenditure ⓘ + | 15 | 7 | 10 | 11 | 6 | 9 | 9 | 10 | 11 | 15 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 27 | 20 | 14 | 11 | 84 | 306 | 93 | 15 | 58 | 79 |
| Taxes ⓘ | 5 | -1 | 6 | -0 | 23 | 79 | -13 | 3 | 9 | 16 |
| Profit After Tax | 22 | 21 | 8 | 11 | 61 | 226 | 107 | 12 | 50 | 63 |
| Adjusted EPS (₹) | 37.6 | 11.2 | 14.9 | 2.2 | 36.4 | 135.2 | 63.7 | 7.0 | 29.8 | 37.7 |
| Dividend Payout Ratio (%) | 4% | 13.40% | 10.10% | 22.70% | 4.10% | 2.20% | 2.40% | 21.40% | 5% | 4% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 684 | 1,002 | 1,005 | 791 | 1,043 | 1,559 | 1,528 | 1,542 | 1,564 | 1,608 |
| Short term borrowings | 15 | 24 | 5 | 4 | 6 | 2 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | 63 | 64 | 62 | 97 | 167 | 148 | 163 | 168 | 180 |
| Current Liabilities | 23 | 38 | 18 | 15 | 23 | 17 | 8 | 1 | 1 | 1 |
| Trade Payables | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Other Liabilities | -16 | -24 | -5 | -4 | -6 | -2 | -0 | -0 | -1 | -1 |
| Total Liabilities ⓘ | 707 | 1,103 | 1,087 | 868 | 1,163 | 1,743 | 1,685 | 1,706 | 1,733 | 1,789 |
Assets | ||||||||||
| Non Current Asset + | 670 | 1,065 | 1,049 | 796 | 1,070 | 1,708 | 1,672 | 1,648 | 1,708 | 1,753 |
| Current Asset + | 37 | 38 | 38 | 72 | 93 | 35 | 12 | 59 | 25 | 36 |
| Total Assets ⓘ | 707 | 1,103 | 1,087 | 868 | 1,163 | 1,743 | 1,685 | 1,706 | 1,733 | 1,789 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -8 | -23 | 29 | 138 | -55 | -69 | -23 | -13 | -0 | 11 |
| Cash Flow From Investing Activity ⓘ | 12 | 27 | -25 | -134 | 56 | 75 | 26 | 15 | 3 | -8 |
| Cash Flow From Financing Activity ⓘ | -3 | -3 | -3 | -4 | -1 | -5 | -3 | -3 | -3 | -3 |
| Net Cash Flow ⓘ | 1 | -0 | 0 | -0 | 1 | 1 | -0 | -1 | 0 | -0 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 37.60 | 11.20 | 14.90 | 2.20 | 36.40 | 135.20 | 63.70 | 7 | 29.80 | 37.70 |
| DPS (₹) | 1.50 | 1.50 | 1.50 | 0.50 | 1.50 | 3 | 1.50 | 1.50 | 1.50 | 1.50 |
| BVPS (₹) | 408.3 | 598.4 | 600.4 | 472.4 | 623.1 | 931.1 | 912.7 | 920.7 | 933.9 | 960.1 |
Performance Ratios | ||||||||||
| ROA (%) | 3.3 | 2.4 | 0.7 | 1.1 | 6.0 | 15.6 | 6.2 | 0.7 | 2.9 | 3.6 |
| ROE (%) | 3.4 | 2.5 | 0.8 | 1.2 | 6.7 | 17.4 | 6.9 | 0.8 | 3.2 | 4.0 |
| ROCE (%) | 4.1 | 2.4 | 1.4 | 1.3 | 9.1 | 23.4 | 6.1 | 1.0 | 3.8 | 5.0 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.3 | 0.2 | 0.2 | 0.1 | 0.2 | 0.6 | 0.3 | 0.3 | 0.2 | 0.2 |
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Nahar Capital And Financial Services Ltd FAQs
The current trading price of Nahar Capital &Finl. on 11-Sep-2026 16:59 is ₹256.0.
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 10-Sep-2026 the market cap of Nahar Capital &Finl. stood at ₹428.7 Cr
The latest P/E ratio of Nahar Capital &Finl. as of 10-Sep-2026 is 12.56.
The latest P/B ratio of Nahar Capital &Finl. as of 10-Sep-2026 is 0.46.
The 52-week high of Nahar Capital &Finl. is ₹320.4 and the 52-week low is ₹196.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Nahar Capital &Finl. is ₹29.95 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Nahar Capital And Financial Services Ltd is a below average quality company.
The key valuation ratios of Nahar Capital And Financial Services Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Nahar Capital And Financial Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Nahar Capital And Financial Services Ltd
Nahar Capital and Financial Services (NCFSL), a Nahar Group company, was incorporated on March 31, 2006 as a public limited company under the Companies Act, 1956. The company was incorporated to diversify the Nahar Group’s activities into financial and capital markets. The objective of incorporation was to carry on the investment business, which was hived off from Nahar Spinning Mills Limited pursuant to the Scheme of Demerger and Arrangement duly approved by the Punjab and Haryana High Court, Chandigarh, vide order dated December 21, 2006.
The company is registered with the Reserve Bank of India (RBI) as a Non-Deposit Taking Non-Banking Financial Company (NBFC-ND). It has been categorized as a Systemically Important Non-Deposit Taking Non-Banking Financial Company (NBFC-ND-SI) as per the Non-Banking Financial (Non-Deposit Accepting or Holding) Companies Prudential Norms Directions, 2007 issued by the Reserve Bank of India.
The company’s main business activity is to carry on investment in shares, debentures, stocks, bonds, securities of all kinds, and other businesses generally carried on by finance and investment companies. It engages in investment activities with a long-term perspective as well as trading activities to benefit from short-term market opportunities.
Considering the strong business opportunities available in the real estate sector and to diversify its activities for better growth, the company, pursuant to Board and Shareholders’ resolutions, decided to undertake a new line of business, namely real estate.
The company also undertakes lending activities to benefit from financial opportunities in the market and support its growth and profitability. It typically lends against the security of shares, government bonds, gold, property, and other assets.
Business area of the company
The company is doing investment activities with long-term perspective as well as doing Trading and Lending activities to avail benefit of short-term investment opportunities. The company is also doing real estate activities for higher yields.
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