BSE:530127

Stock Analysis Report

Executive Summary

NPR Finance Limited engages in financing activities in India.

Snowflake

Fundamentals

Excellent balance sheet with proven track record.

Risks

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

Share Price & News

How has NPR Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

20.8%

BSE:530127

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-43.6%

BSE:530127

-3.2%

IN Consumer Finance

-14.7%

IN Market

530127 underperformed the Consumer Finance industry which returned -3.1% over the past year.

530127 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

530127IndustryMarket
7 Day20.8%-3.6%-2.1%
30 Day23.5%1.9%-3.9%
90 Day-15.7%-10.2%-10.1%
1 Year-43.6%-43.6%-2.5%-3.2%-12.9%-14.7%
3 Year-2.4%-2.4%59.3%56.0%17.7%11.5%
5 Year62.8%62.8%233.9%218.2%35.4%22.5%

Price Volatility Vs. Market

How volatile is NPR Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is NPR Finance undervalued based on future cash flows and its price relative to the stock market?

3.82x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for NPR Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for NPR Finance to establish if it is available at substantial discount.


Price Based on Earnings

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.


Price Based on Expected Growth

Unable to calculate PEG ratio for NPR Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

NPR Finance is good value based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is NPR Finance expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if NPR Finance is high growth as no revenue estimate data is available.

NPR Finance's earnings are expected to grow by 5.9% yearly, however this is not considered high growth (20% yearly).

Unable to compare NPR Finance's revenue growth to the India market average as no estimate data is available.

NPR Finance's earnings growth is positive but not above the India market average.

NPR Finance's earnings growth is positive but not above the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if NPR Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has NPR Finance performed over the past 5 years?

7.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

NPR Finance's year on year earnings growth rate has been positive over the past 5 years.

NPR Finance's 1-year earnings growth exceeds its 5-year average (76% vs 7.4%)

NPR Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (76% vs 15%).


Return on Equity

NPR Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

NPR Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if NPR Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is NPR Finance's financial position?


Financial Position Analysis

NPR Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

NPR Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

NPR Finance's level of debt (8.6%) compared to net worth is satisfactory (less than 40%).

The level of debt compared to net worth has been reduced over the past 5 years (12.8% vs 8.6% today).

Debt is well covered by operating cash flow (48.5%, greater than 20% of total debt).

Unable to confirm if the interest payments on NPR Finance's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 11.5x debt.


Next Steps

Dividend

What is NPR Finance's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

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.

Unable to perform a dividend volatility check as NPR Finance has not reported any payouts.

Unable to verify if NPR Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as NPR Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of NPR Finance's salary, the management and board of directors tenure and is there insider trading?

4.8yrs

Average management tenure


CEO

Pawan Kumar Raj Todi (66yo)

4.8yrs

Tenure

₹2,694,848

Compensation

Mr. Pawan Kumar Raj Kumar Todi has been Managing Director and Executive Non-Independent Director of Npr Finance Ltd., since November 1, 2014. Mr. Todi has 49 Years of Working Exoerience in Financing Busine ...


CEO Compensation Analysis

Pawan Kumar Raj's remuneration is higher than 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%.


Management Age and Tenure

4.8yrs

Average Tenure

The tenure for the NPR Finance management team is about average.


Board Age and Tenure

10.9yrs

Average Tenure

77yo

Average Age

The average tenure for the NPR Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Pawan Kumar Raj Todi (66yo)

    MD & Executive Non-Independent Director

    • Tenure: 4.8yrs
    • Compensation: ₹2.69m
  • Ashok Shah

    Chief Financial Officer

    • Tenure: 5.3yrs
    • Compensation: ₹990.44k
  • Rimpa Roy

    Company Secretary & Compliance Officer

    • Tenure: 0.3yrs

Board Members

  • Nand Lal Todi (88yo)

    Non-Executive Non-Independent Director

    • Tenure: 13.2yrs
    • Compensation: ₹34.50k
  • Pawan Kumar Raj Todi (66yo)

    MD & Executive Non-Independent Director

    • Tenure: 4.8yrs
    • Compensation: ₹2.69m
  • Sarika Mehra

    Executive Non-Independent Director

    • Tenure: 5.1yrs
    • Compensation: ₹1.28m
  • Nitin Guha (85yo)

    Non-Executive Independent Director

    • Tenure: 16.9yrs
    • Compensation: ₹55.00k
  • Rajendra Duggar (69yo)

    Non Executive Independent Director

    • Tenure: 8.6yrs
    • Compensation: ₹38.50k
  • Ashok Kanakia

    Additional Non-Executive Independent Director

    • Tenure: 0.5yrs

Company Information

NPR Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: NPR Finance Limited
  • Ticker: 530127
  • Exchange: BSE
  • Founded: 1989
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹100.266m
  • Shares outstanding: 5.99m
  • Website: https://www.nprfinance.com

Number of Employees


Location

  • NPR Finance Limited
  • Todi Mansion
  • 9th Floor
  • Kolkata
  • West Bengal
  • 700073
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
530127BSE (Mumbai Stock Exchange)YesEquity SharesININRJul 2005

Biography

NPR Finance Limited engages in financing activities in India. It operates in four segments: Financial, Money Changing, Wind Power Generation, and Real Estate. The company engages in granting loans covered  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:30
End of Day Share Price2019/08/23 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.