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NPR Finance Ltd (530127)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530127 NSE: Finance - NBFC | Small Cap | NPR Finance Share Price

₹21.20 -0.06 (-0.28%)

As on 25-Jun'26 16:59

NPR Finance Ltd (530127)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530127 NSE: Finance - NBFC | Small Cap | NPR Finance Share Price

₹21.20 -0.06 (-0.28%)

As on 25-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹13 Cr.
Current Price
₹21.2
52-Week Low / High
₹18 / 41
TTM EPS
₹0.4
Book Value per Share
₹82
P/E Ratio
61.05
Higher than its 5-year historical median
Industry PE
28.2
Price to Book (P/B)
0.26
Higher than its 5-year historical median
EV/EBITDA
33.98
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
1.22%
Return on Capital Employed (ROCE)
2.22%
Return on Assets (ROA)
1.13%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-24.05%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
6%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹4.8 Cr.
Reserves
₹43 Cr.
Equity
₹6 Cr.
Face Value
₹10
All Time Low / High
₹0.95 / 54.75

NPR Finance stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is NPR Finance Ltd a good quality company?
NPR Finance Ltd is a quality company, based on a 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 NPR Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of NPR Finance Ltd vs Industry Peers?
NPR Finance Ltd AUM CAGR is -3.07%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of NPR Finance Ltd?
Promoters hold 68.02% of the NPR Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of NPR Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 5% 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 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'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)4441.135.736.627.85.87.612.79.57.25
YoY Gr. Rt. %--6.7%-13%2.4%-24.1%-79.2%31.9%67.1%-25.7%-24.3%-
Adj EPS (₹ ) 0.74.92.54.22.8-1.8-0.1-41.810.4
YoY Gr. Rt. %-611.6%-49.3%69.5%-34.4%-163.9%NANANA-45.3%-
BVPS (₹ )60.665.469.284.3909089.483.278.983.682
YoY Gr. Rt. %-7.9%5.7%21.9%6.8%-0.1%-0.6%-7%-5.2%6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)16.53.14.82.8-1.8-0.1-4.221.10

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-18.3%-23.7%-2%-24.3%
Adj EPS4.1%-18.6%NA-45.3%
BVPS3.6%-1.5%-2.2%6%
Share Price 3.6% 5.5% 7.4% -17.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)0.97.24.26.96-18.4-0.7-1911.58.34.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.17.83.75.53.2-2-0.1-4.72.21.20.4

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 44.0541.1335.7736.8128.255.787.6312.779.477.65
Interest Income44.0141.0935.7336.6127.795.787.6312.749.457.17
Other Income 3.220.560.950.200.711.470.563.260.320.31
Exceptional Items 0.040.040.030.200.46000.030.020.48
Expenditure + 42.7937.5834.6133.7226.487.147.4215.729.146.89
Interest Expense 0.190.810.660.610.400.380.140.220.530.37
Operating Expenses 39.3836.213332.9025.375.306.7212.238.306.21
Provisions 3.220.560.950.200.711.470.563.260.320.31
Exceptional Items 0000000-0.371.140
Profit Before Tax 1.263.551.163.091.77-1.360.21-3.321.480.76
Taxes 0.850.61-0.330.560.12-0.300.26-0.900.390.17
Profit After Tax 0.412.941.492.531.66-1.06-0.05-2.421.090.59
Adjusted EPS (₹)0.74.92.54.22.8-1.8-0.1-4.01.81.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of NPR Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +36.3139.1941.4350.4953.9453.9153.5649.8347.2550.08
Share Capital 6666666666
Reserves 30.3233.1935.4344.4947.9447.9147.5643.8341.2544.08
Short term borrowings2.765.193.683.503.092.230.302.813.770.63
Long Term Borrowings2.482.282.283.213.713.573.322.0311
Current Liabilities 3.9464.284.073.423.131.595.254.481.18
Trade Payables0.200.030.280.200.0100.04000
Other Liabilities-2.96-5.22-3.96-3.70-3.10-2.23-0.33-2.82-3.77-0.63
Total Liabilities 42.7347.4747.9957.7761.0760.6158.4757.1152.7252.26

Assets

Non Current Asset +11.8610.5010.3015.2316.8617.8720.3314.9851.6851.42
Loan Asset 0000000040.7439.27
Other Non Current Asset 11.8610.5010.3015.2316.8617.8720.3314.9810.9412.15
Current Asset +30.8736.9837.6942.5344.2142.7438.1442.131.040.85
Current Investment0000000000
Other Current Asset30.8736.9837.6942.5344.2142.7438.1442.131.040.85
Total Assets 42.7347.4747.9957.7761.0760.6158.4757.1152.7252.26

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0.88-2.831.850.79-0.140.382.66-3.51-4.072.99
Cash Flow From Investing Activity -0.320.82-0.650.200.48-0.40-0.162.861.01-0.02
Cash Flow From Financing Activity 1.162.17-1.01-0.27-0.54-1-2.052.460.96-3.08
Net Cash Flow -0.030.160.190.72-0.20-1.020.451.82-2.10-0.11

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.704.902.504.202.80-1.80-0.10-41.801
DPS (₹)0000000000
BVPS (₹)60.665.469.284.3909089.483.278.983.6

Performance Ratios

ROA (%)1.06.53.14.82.8-1.8-0.1-4.22.01.1
ROE (%)1.17.83.75.53.2-2.0-0.1-4.72.21.2
ROCE (%)3.810.44.07.43.9-1.70.6-5.83.92.2

Valuation Parameters

Price/Book(x)0.20.30.50.30.10.10.10.20.30.3

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

NPR Finance Ltd FAQs

The current trading price of NPR Finance on 25-Jun-2026 16:59 is ₹21.20.

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 24-Jun-2026 the market cap of NPR Finance stood at ₹12.70 Cr

The latest P/E ratio of NPR Finance as of 24-Jun-2026 is 61.05.

The latest P/B ratio of NPR Finance as of 24-Jun-2026 is 0.26.

The 52-week high of NPR Finance is ₹40.50 and the 52-week low is ₹18.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of NPR Finance is ₹4.76 ( Cr.) .

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

The key valuation ratios of NPR Finance 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 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.

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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