ARC Finance

how big is ARC Finance?

As of Jun 06, ARC Finance Ltd has a market capitalization of 128.11 Cr and reported net sales of 2.54 Cr and net profit of 3.32 Cr over the latest four quarters. Shareholder's funds are valued at 51.17 Cr, with total assets of 71.50 Cr as of Mar'24.

Market Cap: As of Jun 06, ARC Finance Ltd has a market capitalization of 128.11 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 2.54 Cr, while the sum of Net Profit for the same period is 3.32 Cr. This data is based on Standalone financials.<BR><BR>Balance Sheet Snapshot: This is Standalone data for the reporting period of Mar'24. Shareholder's Funds are valued at 51.17 Cr, and Total Assets amount to 71.50 Cr.

Has ARC Finance declared dividend?

No Dividend History Available

Who are the peers of the ARC Finance?

ARC Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Morgan Ventures, Vibrant Glo. Cap, B N Rathi Sec., and Acme Resources. Management risk varies from excellent at Bajaj Finance to below average at ARC Finance, with Morgan Ventures showing the highest 1-year return at 120.34% and ARC Finance at 37.29%.

Peers: The peers of ARC Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Morgan Ventures, Vibrant Glo. Cap, B N Rathi Sec., and Acme Resources.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and the rest. Average management risk is found at Jio Financial, Morgan Ventures, Vibrant Glo. Cap, B N Rathi Sec., and the rest. Good management risk is noted at Shriram Finance, while below average management risk is seen at ARC Finance and Acme Resources. Growth is excellent at Jio Financial, Morgan Ventures, and the rest, while good growth is observed at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, ARC Finance, and the rest. Average growth is noted at Muthoot Finance, Vibrant Glo. Cap, B N Rathi Sec., and the rest, while below average growth is seen at Acme Resources. Excellent capital structure is present at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, ARC Finance, Morgan Ventures, B N Rathi Sec., and the rest, while good capital structure is noted at Cholaman.Inv.&Fn, and average capital structure is seen at Vibrant Glo. Cap and Acme Resources.<BR><BR>Return Snapshot: Morgan Ventures has the highest 1-year return at 120.34%, while Vibrant Glo. Cap has the lowest at -47.53%. ARC Finance's 1-year return is 37.29%, which is significantly higher than Vibrant Glo. Cap but lower than Morgan Ventures. Additionally, the peers with negative six-month returns include Vibrant Glo. Cap, B N Rathi Sec., and Acme Resources.

What is the technical trend for ARC Finance?

As of June 3, 2025, ARC Finance's trend is sideways with mixed signals: weekly indicators are mildly bullish while monthly indicators are mildly bearish, leading to uncertainty in direction.

As of 3 June 2025, the technical trend for ARC Finance has changed from mildly bearish to sideways. The current stance is neutral with mixed strength indicators. The weekly MACD is mildly bullish, while the monthly MACD is mildly bearish, indicating conflicting signals. The weekly RSI is bearish, but the monthly RSI shows no signal, adding to the uncertainty. Bollinger Bands are bullish on both weekly and monthly time frames, suggesting potential upward movement. Moving averages on the daily time frame are mildly bearish, which contrasts with the weekly and monthly Dow Theory indicators that are mildly bullish. Overall, the mixed signals suggest a sideways trend with no clear direction.

Who are in the management team of ARC Finance?

As of March 2017, the management team of ARC Finance includes Pradip Kumar Agarwal (Executive Director), Ramawtar Gupta and Virendra Kr Soni (Managing Directors), Dinesh Agarwal (Executive Director & CFO), along with several independent and non-executive directors. The team features a diverse mix of leadership roles to guide the company.

As of March 2017, the management team of ARC Finance includes the following individuals:<BR><BR>1. Pradip Kumar Agarwal - Executive Director<BR>2. Asis Banerjee - Independent Director<BR>3. Aparna Sharma - Independent Non-Executive Director<BR>4. Pawan Dalmia - Company Secretary<BR>5. Gopal Kumar Singh - Independent Director<BR>6. APARNA SHARMA - Independent Director<BR>7. A Banerjee - Independent Non-Executive Director<BR>8. Gopal Singh - Independent Non-Executive Director<BR>9. Ramawtar Gupta - Managing Director<BR>10. Dinesh Agarwal - Executive Director & CFO<BR>11. Rohit Jain - Company Secretary<BR>12. Virendra Kr Soni - Managing Director<BR><BR>This team comprises a mix of executive directors, independent directors, and company secretaries.

What does ARC Finance do?

ARC Finance Ltd is a Non Banking Financial Company (NBFC) focused on the micro cap market, registered with the RBI since 1998. As of March 2025, it reported net sales of 7 Cr and a net loss of 35 Cr, with a market cap of INR 83 Cr.

Overview:<BR>ARC Finance Ltd is a Non Banking Financial Company (NBFC) operating in the micro cap market segment.<BR><BR>History:<BR>ARC Finance Ltd was originally incorporated as ARC Modellors & Services Limited in 1982. The company changed its name to ARC Finance Limited in 1993 and is registered with the RBI to conduct NBFC activities since April 13, 1998. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 7 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -35 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 83 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 21.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.01 <BR>Return on Equity: 4.11% <BR>Price to Book: 0.84 <BR><BR>Contact Details:<BR>Address: 18 Rabindra Sarani Room No 3, Poddar Court Gate No 4 Kolkata West Bengal : 700001 <BR>Tel: 91-33-32589854 <BR>Email: arcfinancelimited@gmail.com <BR>Website: http://www.arcfinance.in

Who are the top shareholders of the ARC Finance?

The top shareholders of ARC Finance are Sajm Global Impex Private Limited with 17.49%, Vaibhavlaxmi Vanijya Private Limited with 6.88%, and individual investors holding 58.67%. There are no pledged promoter holdings or mutual funds involved.

The top shareholders of ARC Finance include Sajm Global Impex Private Limited, which holds the largest public share at 17.49%. The promoter with the highest holding is Vaibhavlaxmi Vanijya Private Limited, owning 6.88%. Additionally, individual investors collectively hold a significant portion of 58.67%. There is also one Foreign Institutional Investor (FII) that holds 0.06% of the shares. Notably, there are no pledged promoter holdings or mutual funds involved in the shareholding.

When is the next results date for ARC Finance?

The next results date for ARC Finance is August 8, 2025.

The next results date for ARC Finance is scheduled for August 8, 2025.

Are ARC Finance latest results good or bad?

ARC Finance's latest results show a 24.08% increase in net sales year-on-year, but a dramatic decline in profitability, with net profit before tax down 95.64%. Overall, the results are concerning due to the significant drop in profits despite stable sales growth.

ARC Finance's latest results indicate a challenging financial situation. While the company has experienced a positive trend in net sales, achieving a year-on-year growth of 24.08% for the nine-month period, the quarterly performance reveals significant declines in profitability. <BR><BR>For the quarter ending June 2025, net profit before tax has dropped dramatically by 95.64% year-on-year, and profit after tax has also fallen by 95.8%. This stark decrease in profitability, coupled with a flat financial performance score, suggests that despite stable demand reflected in sales growth, the company is facing serious challenges in maintaining its profitability.<BR><BR>Overall, while the sales growth is a positive sign, the drastic decline in profits overshadows this achievement, indicating that the latest results are more concerning than favorable.

How has been the historical performance of ARC Finance?

ARC Finance has experienced a decline in net sales from 32.58 Cr in Mar'22 to 2.54 Cr in Mar'25, but has improved profitability with operating profit rising to 5.71 Cr and profit after tax increasing to 3.31 Cr in the same period, alongside a significant boost in equity capital. Despite negative cash flow from operations, financing activities generated a positive inflow of 43.00 Cr.

Answer:<BR>The historical performance of ARC Finance shows significant fluctuations in its financial metrics over the years.<BR><BR>Breakdown:<BR>ARC Finance's net sales have seen a notable decline from 32.58 Cr in Mar'22 to 2.54 Cr in Mar'25, indicating a downward trend. However, other operating income has increased dramatically, rising from 0.00 Cr in Mar'22 to 20.76 Cr in Mar'25, contributing to a total operating income of 23.30 Cr in Mar'25, up from 32.58 Cr in Mar'22. Total expenditure, excluding depreciation, decreased significantly from 32.16 Cr in Mar'22 to 17.59 Cr in Mar'25. This reduction has led to an operating profit of 5.71 Cr in Mar'25, a substantial increase from 0.42 Cr in Mar'22. Profit before tax also improved to 4.48 Cr in Mar'25 from 0.38 Cr in Mar'22, while profit after tax rose to 3.31 Cr from 0.29 Cr in Mar'22. The company's equity capital increased to 87.15 Cr in Mar'25 from 50.50 Cr in Mar'24, and total liabilities rose to 100.36 Cr in Mar'25 from 71.50 Cr in Mar'24. Cash flow from operating activities remained negative at -40.00 Cr in Mar'25, but cash flow from financing activities showed a positive inflow of 43.00 Cr. Overall, while ARC Finance has faced challenges in sales, it has managed to improve its profitability and equity position significantly.

Should I buy, sell or hold ARC Finance?

Is ARC Finance overvalued or undervalued?

As of December 4, 2025, ARC Finance is considered very expensive and overvalued due to negative financial metrics, including a PE ratio of -28.35 and a year-to-date return of -48.91%, significantly underperforming compared to its peers like Bajaj Finance and the Sensex.

As of 4 December 2025, ARC Finance has moved from a grade of risky to very expensive. The company is currently overvalued based on its financial metrics. Key ratios include a PE ratio of -28.35, an EV to EBITDA of -31.55, and a Price to Book Value of 0.62, which indicate significant financial distress and lack of profitability.<BR><BR>In comparison to its peers, ARC Finance's valuation stands out unfavorably against Bajaj Finance, which has a PE ratio of 34.9, and Life Insurance, which boasts a PE of 10.85. This stark contrast highlights the challenges faced by ARC Finance within the Non-Banking Financial Company (NBFC) sector. Additionally, the company's stock performance has been poor, with a year-to-date return of -48.91%, compared to a positive 9.12% return of the Sensex, reinforcing the notion of its overvaluation.

Why is ARC Finance Ltd falling/rising?

As of 02-Feb, the stock price of ARC Finance Ltd is at 0.56, reflecting a decline of 1.75%. The stock has significantly underperformed the Sensex over various periods, with a year-to-date drop of 15.15% and a dramatic annual decrease of 56.92%.

As of 02-Feb, the stock price of ARC Finance Ltd is falling, currently at 0.56, which reflects a change of -0.01 or -1.75%. This decline is evident in the stock's performance over various time periods, particularly in the last month where it has decreased by 17.65%, significantly underperforming the benchmark Sensex, which fell only 4.78% during the same timeframe. <BR><BR>Additionally, the stock has shown a year-to-date decline of 15.15%, again worse than the Sensex's drop of 4.17%. Over the past year, ARC Finance Ltd has experienced a dramatic decrease of 56.92%, while the Sensex has gained 5.37%. The three-year performance also highlights a significant drop of 37.98% for ARC Finance Ltd compared to a 36.26% increase in the Sensex.<BR><BR>Today's trading activity indicates that the stock has underperformed its sector by 2.33%. Furthermore, the moving averages suggest that while the stock is higher than its 5-day moving average, it is lower than the 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. The falling investor participation is also concerning, as the delivery volume has decreased by 3.95% against the 5-day average. Overall, these factors contribute to the stock's current downward trajectory.

Which are the latest news on ARC Finance?