As of 6 Nov 2026, NPR Finance trades at 54.3× trailing earnings, and the shares are 33% below their 52-week high. Its ROE of 0.4% 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 0.29× book value. It is a small-cap company with a market cap of ₹15 Cr, ranked 155th of 193 Credit Services companies by market cap; the shares fell 8.7% over the past year.
- ₹24.00
- ₹25.25
- ₹23.91
- ₹25.15
- 463
Health check
- ReturnsIn line
−8.7% over a year, better than 3 of 7 peers.
- Price tagCheaper
P/B 0.29 vs peer median 2.62.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityWeak
ROE 0.4% 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 0.4%.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹15 Cr
- Small cap
- P/E
- 54.3
- Industry 15.5
- Price to book
- 0.29
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 0.4%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.45
- OPM (TTM)
- 1.5%
- Net margin 5.4%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +40.2%
- Latest quarter vs a year ago
- Price to sales
- 2.95
Strengths and risks
Strengths
- Quarterly profit up 40.2% on a year ago.
Risks to check
- Return on equity is low at 0.4%.
- 33% below its 52-week high.
About NPR Finance
NPR Finance Limited engages in non-banking financing activities in India. It operates through two segments: Financial and Real Estate segments. The company engages in granting loans against hypothecation for three-wheelers for passengers, as well as load applications; unsecured personal loans; group loans; and inter-corporate deposits, as well as trading and investment in shares and securities. It is also involved in the funding of insurance premiums for…
- Headquarters
- Kolkata
- Employees
- 37
- Sector
- Financial Services
- ISIN
- INE446D01011
- Website
- nprfinance.com
Price range
- Avg volume (3M)
- 1.7K
- 1-year return
- minus 8.7%
- From 52-week high
- minus 33.4%
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% |
| NPRFINNPR Finance | 24.43 | minus 2.86% | 15 | 54.3 | 0.29 | 0.4% | – | – | 0.00% | minus 8.7% |
| 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 |
|---|---|---|---|---|---|
| 1 | 1.4 | 1.4 | 0.9 | 1 | |
| 1 | 1.5 | 1.2 | 1.1 | 0.9 | |
| 0.1 | −0.1 | 0.2 | −0.2 | 0.1 | |
| 4.9% | −5.3% | 15.2% | −23.9% | 14.6% | |
| 0 | 0 | 0 | 0.1 | 0 | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0 | 0.1 | 0.1 | 0 | |
| 0.1 | −0 | 0.3 | −0.1 | 0.2 | |
| −12.6% | −170.6% | 0.3% | 5.7% | −0.3% | |
| 0.1 | −0.1 | 0.3 | −0.1 | 0.2 | |
| 0.24 | -0.19 | 0.43 | -0.13 | 0.34 |
Profit & loss
- ROE
- 0.4%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 12.3 | 9.1 | 6.8 | 4.7 | |
| – | minus 26.3% | minus 25.0% | minus 30.2% | |
| 12 | 8.7 | 6.5 | 4.6 | |
| 0.3 | 0.4 | 0.3 | 0.2 | |
| 2.0% | 4.1% | 4.5% | 3.3% | |
| 0.3 | 0.3 | 0.9 | 0 | |
| 0.2 | 0.5 | 0.4 | – | |
| 0.5 | 0.2 | 0.1 | 0.1 | |
| −3.2 | 1.5 | 0.1 | 0.1 | |
| −3.3 | 1.5 | 0.8 | 0.3 | |
| 27.2% | 26.5% | 21.8% | 20.3% | |
| −2.4 | 1.1 | 0.6 | 0.2 | |
| – | – | minus 45.4% | minus 64.9% | |
| -4.03 | 1.81 | 0.99 | 0.35 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 6 | 6 | 6 | 6 | |
| 43.8 | 41.3 | 44.1 | 43.1 | |
| 2.8 | 3.8 | 0.2 | 0.3 | |
| 4.5 | 1.7 | 2 | 1.1 | |
| 57.1 | 52.7 | 52.3 | 50.6 | |
| 0.5 | 0.4 | 0.1 | 0.3 | |
| 9.8 | 5.1 | 7.1 | 5.3 | |
| 2.7 | 0.6 | 0.5 | 0.4 | |
| 44 | 46.6 | 44.6 | 44.6 | |
| 57.1 | 52.7 | 52.3 | 50.6 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −3.5 | −4.1 | 3 | 0.4 | |
| 2.9 | 1 | −0 | −0.2 | |
| 2.5 | 1 | −3.1 | −0.3 | |
| 1.8 | −2.1 | −0.1 | −0.1 | |
| −0 | −0 | −0 | −0.2 | |
| −3.5 | −4.1 | 3 | 0.2 |
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.