On 6 Nov 2026, ARC Finance was priced at ₹0.44, or 44.0× trailing earnings, and the shares are 44% below their 52-week high. Net profit grew 30% a year over 3 years; its ROE of 1.5% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.39× book value. It is a small-cap company with a market cap of ₹38 Cr, ranked 122nd of 193 Credit Services companies by market cap; the shares fell 45% over the past year.
- ₹0.44
- ₹0.44
- ₹0.42
- ₹0.43
- 14.4 L
Health check
- ReturnsBehind
−44.9% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.39 vs peer median 2.62.
- GrowthStrong
Profit +30.3% a year over 3 years.
- ProfitabilityWeak
ROE 1.5% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 1.5%.
Small cap
Defensive
Key metrics
- Market cap
- ₹38 Cr
- Small cap
- P/E
- 44.0
- Industry 15.5
- Price to book
- 0.39
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 1.5%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.01
- OPM (TTM)
- 4.5%
- Net margin 2.6%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +26.8%
- Latest quarter vs a year ago
- Price to sales
- 1.33
Strengths and risks
Strengths
- Quarterly profit up 26.8% on a year ago.
Risks to check
- Return on equity is low at 1.5%.
- 44% below its 52-week high.
About ARC Finance
ARC Finance Ltd, a non-banking finance company, engages in the lending business in India. It offers loans and advances; and various financial services. The company also invests and trades in securities. It serves financial services sector. The company was formerly known as ARC Modellors & Services Limited and changed its name to ARC Finance Ltd in February 1993. ARC Finance Ltd was incorporated in 1982 and is based in Kolkata, India.
- Headquarters
- Kolkata
- Sector
- Financial Services
- ISIN
- INE202R01026
- Website
- arcfinance.in
Price range
- Avg volume (3M)
- 18.9 L
- 1-year return
- minus 44.9%
- From 52-week high
- minus 44.3%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| ARCFINARC Finance | 0.44 | plus 2.33% | 38 | 44.0 | 0.39 | 1.5% | – | 30.3% | 0.00% | minus 44.9% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 0.8 | 20 | 1.6 | 5.6 | 1.8 | |
| 0.6 | 19.8 | 1.5 | 4.9 | 1.6 | |
| 0.2 | 0.2 | 0.1 | 0.7 | 0.3 | |
| 28.3% | 1.1% | 4.3% | 13.2% | 15.1% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| 0.2 | 0.2 | 0 | 0.6 | 0.2 | |
| 26.0% | 26.0% | 159.9% | 22.7% | 26.0% | |
| 0.1 | 0.1 | −0 | 0.5 | 0.2 | |
| 0.00 | – | – | – | 0.00 |
Profit & loss
- Profit CAGR 3Y
- +30.3%
- EPS CAGR 3Y
- +3.1%
- ROE
- 1.5%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0.1 | 9.2 | 23.3 | 28.1 | |
| – | +6743.9% | +152.2% | +20.6% | |
| −1.7 | 8.7 | 18.5 | 26.7 | |
| 1.8 | 0.6 | 4.8 | 1.4 | |
| 1356.9% | 6.2% | 20.5% | 4.9% | |
| 2.5 | −0 | −0 | −0 | |
| 1.3 | 0 | 0 | 0 | |
| 0.1 | 0.2 | 0.2 | 0.2 | |
| −2.5 | 0 | −0.1 | −0.2 | |
| 0.4 | 0.4 | 4.5 | 1 | |
| 26.0% | 26.0% | 26.0% | 26.0% | |
| 0.3 | 0.3 | 3.3 | 0.7 | |
| – | minus 17.1% | +1120.7% | minus 78.1% | |
| 0.01 | 0.00 | 0.04 | 0.01 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 50.5 | 0.5 | 0.9 | 87.2 | |
| 1.1 | 50.7 | 0.1 | 11.8 | |
| 14.8 | 16.1 | 0 | 14.1 | |
| 4.6 | −66.5 | 0 | 1 | |
| 70.9 | 0.7 | 1 | 114 | |
| 1.6 | 1.4 | 0 | 1.1 | |
| 11.9 | 0.8 | 0 | 4 | |
| 0.9 | 0 | 0 | 0.5 | |
| 56.6 | −1.4 | 1 | 108 | |
| 70.9 | 0.7 | 1 | 114 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −9 | −11.6 | −40.3 | 1 | |
| 7 | 9.7 | −2.9 | −1.5 | |
| 0.7 | 1.3 | 44 | – | |
| −1.3 | −0.6 | 0.7 | −0.5 | |
| −1.4 | −0 | −0.1 | −1.4 | |
| −10.4 | −11.6 | −40.4 | −0.5 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.