NPR Finance Ltd
Ticker: NPRFIN
Risky
48/100
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Investing Reference
Price
34.50
Market Cap
20.66
Debt/Equity
0.0126
ROE %
1.212
PB
0.4126
Promoter %
68.020
Pledge %
0.000
1Y Rev Growth %
-27.966
5Y Rev Growth %
-22.993
NP Margin %
7.712
NP Margin 5Y Avg %
-4.023
Trading Reference
1M Return %
12.906
6M Return %
38.000
1Y Return %
10.861
% Away 52W High
17.391
% Away 52W Low
72.500
Daily Volume
110
Investment Verdict
Hold
Score 71/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 59/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
NPR Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating potential upward momentum. If it breaks above the resistance level, there is a strong possibility of a price increase. However, if it falls below the support, downside risks increase significantly.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
NPR Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. Catering to a diverse clientele, it offers services ranging from personal loans to business financing, ensuring accessibility and support for all financial needs. NPR Finance Ltd stands out for its commitment to transparency, customer-centric approach, and innovative solutions that foster financial growth. With a strong track record and a focus on community development, it plays a pivotal role in enhancing financial literacy and stability across India.
- Leading financial services provider in India
- Tailored solutions for individuals and businesses
- Commitment to transparency and customer support
- Innovative products fostering financial growth
- Strong track record in community development
- Enhancing financial literacy and stability
Investment Thesis
NPR Finance Ltd presents a compelling investment opportunity with a strong promoter group that enhances credibility. The company is well-positioned to capitalize on the growing digital services sector, ensuring robust growth. Additionally, its attractive valuation relative to peers makes it a prudent choice for retail investors seeking long-term gains.
- Strong promoter group with a proven track record.
- Significant growth potential in digital services.
- Attractive valuation compared to industry peers.
- Robust financial performance and stability.
- Strategic initiatives to enhance market presence.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Expanding digital payment solutions
- Rising demand for personal loans
- Strategic partnerships with banks
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic downturn affecting loan repayments
- Cybersecurity threats to customer data
Peer Perspective
NPR Finance Ltd currently trades at a discount to peers like Mahindra Finance and HDFC Ltd. A rerating could occur if NPR demonstrates consistent margin stability and accelerates its loan growth.
Future Outlook
NPR Finance Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and stringent cost control will be essential to capitalize on these opportunities and enhance shareholder value.
AI FAQs for Retail Users
- Q: What does NPR Finance Ltd do?A: NPR Finance Ltd provides financial services, including loans and investment solutions for individuals and businesses.
- Q: Is NPR Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and market conditions. Research and consult a financial advisor.
- Q: How can I buy shares of NPR Finance Ltd?A: You can buy shares through a stockbroker or an online trading platform that supports Indian stocks.
- Q: What are the risks of investing in NPR Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific factors. Always assess your risk tolerance.
- Q: Where can I find financial reports for NPR Finance Ltd?A: Financial reports are available on the company’s website and through regulatory filings on the stock exchange.
📊 Stock Investment Checklist (100 Points)
NPR Finance Ltd • Updated: 2025-09-17 05:55:02
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8BusinessHighThe finance sector is evolving with digital transformation, but NPR Finance has a limited moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, with cash flow issues.
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9ValuationHighP/E and P/B ratios are higher than peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are concerning.
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7GovernanceHighPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodLimited growth catalysts and execution risks are present.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
NPR Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100