BSE:530127

Stock Analysis Report

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Executive Summary

NPR Finance Limited engages in financing activities in India.


Snowflake Analysis

Adequate balance sheet and fair value.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: 530127's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-4.9%

530127

2.7%

IN Consumer Finance

2.4%

IN Market


1 Year Return

-13.0%

530127

1.3%

IN Consumer Finance

5.1%

IN Market

Return vs Industry: 530127 underperformed the Indian Consumer Finance industry which returned 1.3% over the past year.

Return vs Market: 530127 underperformed the Indian Market which returned 5.1% over the past year.


Shareholder returns

530127IndustryMarket
7 Day-4.9%2.7%2.4%
30 Day2.8%2.9%5.2%
90 Day49.2%40.3%21.1%
1 Year-13.0%-13.0%4.1%1.3%7.0%5.1%
3 Year-48.2%-48.2%42.6%34.0%4.8%-0.2%
5 Year-15.3%-15.3%180.7%156.3%30.4%20.7%

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 compared to its fair value and its price relative to the market?

4.14x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 530127's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 530127's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 530127 is good value based on its PE Ratio (4.1x) compared to the IN Consumer Finance industry average (11.1x).

PE vs Market: 530127 is good value based on its PE Ratio (4.1x) compared to the Indian market (14.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 530127's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 530127 is good value based on its PB Ratio (0.1x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

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

31.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as NPR Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has NPR Finance performed over the past 5 years?

3.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 530127 has high quality earnings.

Growing Profit Margin: 530127's current net profit margins (6%) are lower than last year (7.5%).


Past Earnings Growth Analysis

Earnings Trend: 530127's earnings have grown by 3.8% per year over the past 5 years.

Accelerating Growth: 530127's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 530127 had negative earnings growth (-36.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.4%).


Return on Equity

High ROE: 530127's Return on Equity (3.1%) is considered low.


Next Steps

Financial Health

How is NPR Finance's financial position?


Financial Position Analysis

Short Term Liabilities: 530127's short term assets (₹398.7M) exceed its short term liabilities (₹30.0M).

Long Term Liabilities: 530127's short term assets (₹398.7M) exceed its long term liabilities (₹41.3M).


Debt to Equity History and Analysis

Debt Level: 530127's debt to equity ratio (0.8%) is considered satisfactory.

Reducing Debt: 530127's debt to equity ratio has reduced from 5.2% to 0.8% over the past 5 years.

Debt Coverage: 530127's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if 530127's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 530127's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 530127's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 530127's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 530127's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 530127's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

11.9yrs

Average board tenure


CEO

Pawan Kumar Raj Todi (67 yo)

5.75yrs

Tenure

₹3,015,656

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

Compensation vs Market: Pawan Kumar Raj's total compensation ($USD40.42K) is about average for companies of similar size in the Indian market ($USD49.39K).

Compensation vs Earnings: Pawan Kumar Raj's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Pawan Kumar Raj Todi
MD & Executive Non-Independent Director5.75yrs₹3.02m16.18%
₹ 11.7m
Nand Lal Todi
Non-Executive Non-Independent Director14.17yrs₹46.00k8.45%
₹ 6.1m
Sarika Mehra
Executive Non-Independent Director6.08yrs₹1.28mno data
Nitin Guha
Independent Non-Executive Director17.92yrs₹59.00kno data
Rajendra Duggar
Independent Non-Executive Director9.58yrs₹47.50kno data
Ashok Kanakia
Additional Independent Non-Executive Director1.5yrs₹7.50kno data

11.9yrs

Average Tenure

68.5yo

Average Age

Experienced Board: 530127's board of directors are seasoned and experienced ( 11.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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: ₹72.474m
  • 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 Analysis2020/08/12 12:40
End of Day Share Price2020/08/10 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


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.