NPR Finance Ltd Stock Price Today (NSE: NPRFIN)
Fundamental Score
NPR Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
NPR Finance Ltd share price today is ₹19.00, up +4.04% on NSE/BSE as of 30 March 2026. NPR Finance Ltd (NPRFIN) is a Small-cap company in the Other Financial Services sector with a market capitalisation of ₹17.86 (Cr). The 52-week high for NPRFIN share price is ₹40.50 and the 52-week low is ₹18.00. At a P/E ratio of 37.99x, NPRFIN is currently trading above its industry average P/E of 30.94x. The company has a Return on Equity (ROE) of 1.21% and a debt-to-equity ratio of 0.01.
NPR Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
NPR Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
NPR Finance Share Price: A Conservative Investor's Perspective
In the often-opaque world of Other Financial Services, distinguishing between genuine value and speculative bubbles requires rigorous analysis. Today, we're examining the NPR Finance share price, currently trading at ₹26.40999984741211. A quick glance reveals a Price-to-Earnings (PE) ratio of 37.99. As a conservative value investor prioritizing capital safety, this already raises a flag, demanding a deeper dive beyond the surface.
A critical metric for any financial institution is its Return on Capital Employed (ROCE). NPR Finance exhibits a ROCE of only 2.2%. This figure is significantly below what a prudent investor would expect to see, especially considering the inherent risks involved in the financial services sector. This meager return casts doubt on the company's ability to generate sufficient profits from its invested capital and, consequently, its ability to create a sustainable economic moat. A stronger ROCE is essential for maintaining competitiveness and rewarding shareholders in the long run.
Comparing NPR Finance to its peers, such as
Sumedha Fiscal Services Ltd, raises further questions. While both companies operate within the same industry, their management quality and operational efficiency likely vary significantly. A thorough assessment of leadership track records and capital allocation strategies at both NPR Finance and Sumedha Fiscal Services Ltd is vital to understand the underlying differences driving their respective financial performances. Ultimately, superior management can navigate challenges and create value, while poor management can erode capital, regardless of the share price.The low ROCE of 2.2% directly impacts the company's ability to reinvest in its business, innovate, and withstand competitive pressures. This limits its potential to generate future growth and potentially exposes it to vulnerabilities in a dynamic market. A lower ROCE also hinders the business's ability to compound its earnings, a key element in long-term wealth creation. This observational analysis is part of a comprehensive 80-parameter fundamental audit, the accuracy of which is verified by Sweta Mishra. This analysis is purely observational and does not constitute a buy, sell, or hold recommendation.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
NPR Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of NPRFIN across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Conservative Debt Levels (D/E: 0.01)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Balanced Promoter Holding (68.02%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
9 factors identified
Below-Average Return on Equity (1.21%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (2.20%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (2.03%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-50.00%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-23.16%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Limited Growth History (-22.74% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Weak Earnings Growth (-14.35% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-14.35% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
NPR Finance Ltd Financial Statements
Comprehensive financial data for NPR Finance Ltd including income statement, balance sheet and cash flow
About NPRFIN (NPR Finance Ltd)
NPR Finance Ltd is a diversified financial services provider, carving a niche in the Indian lending landscape. The company's operations are strategically divided into two core segm...ents: a robust financial arm and a growing real estate division. Within its financial segment, NPRFIN focuses on providing accessible credit solutions to underserved sectors. This includes specialized lending against the hypothecation of three-wheelers, catering to both passenger and load-carrying vehicles, reflecting a commitment to supporting small business owners and entrepreneurs in the transportation sector. Furthermore, NPR Finance extends its reach through unsecured personal loans and group lending models, aiming to empower individuals and foster community-based economic growth. Beyond its specialized vehicle financing, NPR Finance also actively participates in the broader financial markets. The company engages in inter-corporate deposits, serving as a source of capital for businesses and organizations. NPRFIN's financial segment further extends to strategic investments in shares and securities, allowing it to capitalize on market opportunities and diversify its revenue streams. Recognizing the importance of comprehensive support for its clientele, the company also facilitates the funding of commercial vehicle insurance premiums and renewals, ensuring that its borrowers can meet regulatory requirements and mitigate potential risks associated with their businesses. The real estate segment of NPR Finance Ltd complements its financial services by engaging in property-related activities. This diversification allows the company to potentially leverage its financial expertise in the real estate market, potentially developing or investing in projects. By operating across both financial services and real estate, NPR Finance Ltd aims to create a synergistic ecosystem that benefits its stakeholders and contributes to economic development. This dual approach positions the company as a versatile player within the Indian financial services sector, capable of adapting to evolving market demands and capitalizing on diverse opportunities.
Company Details
Key Leadership
Corporate Events
NPRFIN Share Price: Frequently Asked Questions
What is the current share price of NPR Finance Ltd (NPRFIN)?
As of 30 Mar 2026, 12:02 pm IST, NPR Finance Ltd share price is ₹19.00. The NPRFIN stock has a market capitalisation of ₹17.86 (Cr) on NSE/BSE.
Is NPRFIN share price Overvalued or Undervalued?
NPRFIN share price is currently trading at a P/E ratio of 37.99x, compared to the industry average of 30.94x. Based on this relative valuation, the NPR Finance Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of NPRFIN share price?
The 52-week high of NPRFIN share price is ₹40.50 and the 52-week low is ₹18.00. These values are updated daily from NSE/BSE price data.
What factors affect the NPR Finance Ltd share price?
Key factors influencing NPRFIN share price include quarterly earnings growth (Sales Growth: -23.16%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is NPR Finance Ltd a good stock for long-term investment?
NPR Finance Ltd shows a 5-year Profit Growth of -14.35% and an ROE of 1.21%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.01 before investing in NPRFIN shares.
How does NPR Finance Ltd compare with its industry peers?
NPR Finance Ltd competes with major peers in the Other Financial Services. Investors should compare NPRFIN share price P/E of 37.99x and ROE of 1.21% against the industry averages to determine competitive standing.
What is the P/E ratio of NPRFIN and what does it mean?
NPRFIN share price has a P/E ratio of 37.99x compared to the industry average of 30.94x. Investors pay ₹38 for every ₹1 of annual earnings.
How is NPRFIN performing according to Bull Run's analysis?
NPRFIN has a Bull Run fundamental score of 14.3/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does NPRFIN belong to?
NPRFIN operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting NPR Finance Ltd share price.
What is Return on Equity (ROE) and why is it important for NPRFIN?
NPRFIN has an ROE of 1.21%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently NPR Finance Ltd generates profits from shareholders capital.
How is NPRFIN debt-to-equity ratio and what does it indicate?
NPRFIN has a debt-to-equity ratio of 0.01, which indicates conservative financing with low financial risk.
What is NPRFIN dividend yield and is it a good dividend stock?
NPRFIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in NPR Finance Ltd shares.
How has NPRFIN share price grown over the past 5 years?
NPRFIN has achieved 5-year growth rates of: Sales Growth -22.74%, Profit Growth -14.35%, and EPS Growth -14.35%.
What is the promoter holding in NPRFIN and why does it matter?
Promoters hold 68.02% of NPRFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in NPR Finance Ltd.
What is NPRFIN market capitalisation category?
NPRFIN has a market capitalisation of ₹18 crores, placing it in the Small-cap category.
How volatile is NPRFIN stock?
NPRFIN has a beta of N/A. A beta > 1 suggests the NPR Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is NPRFIN operating profit margin trend?
NPRFIN has a 5-year average Operating Profit Margin (OPM) of 2.03%, indicating the company's operational efficiency.
How is NPRFIN quarterly performance?
Recent quarterly performance shows NPR Finance Ltd YoY Sales Growth of -23.16% and YoY Profit Growth of -50.00%.
What is the institutional holding pattern in NPRFIN?
NPRFIN has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the NPR Finance Ltd stock.