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NPR Finance Ltd logo

NPR Finance Ltd

NSE: BSE: 530127

22.06

(-1.91%)

Thu, 12 Mar 2026, 06:30 am

NPR Finance Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate NPR Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate NPR Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • NPR Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • NPR Finance is profitable, therefore cash runway is not a concern.
    • NPR Finance is profitable, therefore cash runway is not a concern.
    • Debt is well covered by operating cash flow (152.8%, greater than 20% of total debt).
    • Debt is covered by short term assets, assets are 76.6x debt.
    • NPR Finance's cash and other short term assets cover its long term commitments.
    • The level of debt compared to net worth has been reduced over the past 5 years (9.7% vs 1% today).
    • NPR Finance's level of debt (1%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

      management

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      Pros

      • The average tenure for the NPR Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
      • Pawan Kumar Raj's remuneration is about average for companies of similar size in India.
      • Pawan Kumar Raj's compensation has been consistent with company performance over the past year, both up more than 20%.
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      Cons

        misc

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        Pros

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          Cons

          • NPR Finance is not covered by any analysts.
          • NPR Finance has significant price volatility in the past 3 months.

          past

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          Pros

          • NPR Finance's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
          • NPR Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
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          Cons

          • NPR Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
          • NPR Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
          • NPR Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.

          value

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          Pros

          • NPR Finance is good value based on assets compared to the IN Consumer Finance industry average.
          • NPR Finance is good value based on earnings compared to the IN Consumer Finance industry average.
          • NPR Finance is good value based on earnings compared to the India market.
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          Cons

          • 530127 underperformed the Consumer Finance industry which returned -28.8% over the past year.
          • 530127 underperformed the Market in India which returned -14.5% over the past year.
          • BSE:530127 is up 3.3% underperforming the Consumer Finance industry which returned 10.3% over the past month.
          • BSE:530127 is up 3.3% underperforming the market in India which returned 8% over the past month.

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          Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800