Northern Arc Capital Ltd (NSE:NORTHARC)

Q4 2026 Northern ARC Capital Ltd Earnings Call Transcript

May 8, 2026 / 01:30 PM GMT

Release Date Price: ₹287.3 (+0.97%)

Transcript

Key Points

Positve

Northern Arc Capital Ltd (NSE:NORTHARC) reported a significant growth in assets under management (AUM), reaching INR 16,594 crores, reflecting a 22% year-on-year increase.
The company achieved a record quarterly profit of INR 133 crores, contributing to an annual profit of INR 406 crores.
Net interest margin expanded by 380 basis points over five years, reaching 9.4% in FY26.
The direct-to-customer business segment grew by 39% year-on-year, now constituting 59% of the total AUM.
The company maintained a disciplined risk management approach, with net non-performing assets (NPA) consistently below 1%.

Negative

The macroeconomic environment remains challenging, with potential risks from geopolitical tensions in West Asia and weather-related impacts.
Despite improvements, the credit cost remains relatively high at 2.8% for FY26.
The company faces a significant credit gap in the MSME sector, estimated at 30 lakh crores, indicating potential challenges in addressing this market.
Interest rates are expected to rise, which could impact the cost of funds and margins.
The company's reliance on variable interest rate borrowings could pose risks if interest rates increase unexpectedly.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

NORR.NS - Northern ARC Capital Ltd
Q4 2026 Northern ARC Capital Ltd Earnings Call
May 08, 2026 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Northern Arc Capital Q4 FY26 Earnings Conference Call hosted by Motila Loswal Financial Services Limited.

As a reminder, all participant clients will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference, please signal an operator by pressing then 0 on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Abhijit Tibrawal from Motila Loswal Financial Services.

Thank you, and over to you, sir.

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