ARC Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the intrinsic value of ARC Finance Ltd and is it undervalued?

As of 03 April 2026, ARC Finance Ltd's intrinsic value is 0.61, which is 22.00% higher than the current market price of 0.50, suggesting the stock is undervalued. Calculated using the PE ratio method factoring in ROE (4.43 %), book value (1.13), dividend yield (0.00 %), and 5-year EPS CAGR.

Q: What is the current share price and 52-week range of ARC Finance Ltd?

ARC Finance Ltd is trading at 0.50 as of 03 April 2026, with a FY2026-2027 high of 1.54 and low of 0.44. The stock is currently near its 52-week low. Market cap stands at 43.6 Cr..

Q: Is ARC Finance Ltd financially healthy?

Key indicators: ROCE of 7.44 % is on the lower side. Dividend yield is 0.00 %.

Q: Is ARC Finance Ltd profitable and how is the profit trend?

ARC Finance Ltd reported a net profit of 3 Cr in Mar 2025 on revenue of 23 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹0.61Undervalued by 22.00%vs CMP ₹0.50

P/E (15.0) × ROE (4.4%) × BV (₹1.13) × DY (2.00%)

Defaults: P/E=15

₹0.59Undervalued by 18.00%vs CMP ₹0.50

MoS: +15.3% (Adequate)Confidence: 43/100 (Low)Models: 4 Under, 4 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹0.61	22%	Under (+22%)
Graham Number	Earnings	₹1.01	17%	Under (+102%)
DCF	Cash Flow	₹0.24	17%	Over (-52%)
Net Asset Value	Assets	₹1.13	9%	Under (+126%)
EV/EBITDA	Enterprise	₹0.74	11%	Under (+48%)
Earnings Yield	Earnings	₹0.40	9%	Over (-20%)
ROCE Capital	Returns	₹0.05	9%	Over (-90%)
Revenue Multiple	Revenue	₹0.40	7%	Over (-20%)
Consensus (8 models)		₹0.59	100%	Undervalued

Key Drivers: ROE 4.4% is below cost of equity. | Wide model spread (₹0–₹1) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -0.8% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

ARC Finance Ltd scores 43/100 (Weak)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health50/100 · Moderate

ROCE 7.4% WeakROE 4.4% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money50/100 · Moderate

FII holding stable No changePromoter holding at 7.0% Stable

Earnings Quality55/100 · Moderate

OPM expanding (14% → 17%) ImprovingWorking capital: 376 days Capital intensive

Quarterly Momentum30/100 · Weak

Revenue (4Q): -5% YoY FlatProfit (4Q): -147% YoY DecliningOPM: 5.1% (down 19.5% YoY) Margin pressure

Industry Rank20/100 · Weak

ROCE 7.4% vs industry 21.7% Below peersROE 4.4% vs industry 14.2% Below peers3Y sales CAGR: -11% Shrinking

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:07 am

Market Cap	43.6 Cr.
Current Price	0.50
Intrinsic Value	₹0.61
High / Low	1.54/0.44
Stock P/E
Book Value	1.13
Dividend Yield	0.00 %
ROCE	7.44 %
ROE	4.43 %
Face Value	1.00
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for ARC Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	8.02 Cr.	27.4	53.0/24.7	38.2	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,109 Cr.	266	399/235	13.2	111	0.38 %	33.3 %	26.2 %	10.0
Monotype India Ltd	28.1 Cr.	0.40	0.84/0.37	4.49	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	3.98 Cr.	8.05	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	9.17 Cr.	17.8	69.9/17.8		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	6,725.79 Cr	1,029.64		98.51	4,364.49	0.43%	21.71%	14.20%	7.23

All Competitor Stocks of ARC Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	0.41	4.54	0.40	0.48	0.55	7.82	0.60	12.37	6.67	3.65	0.81	20.05	1.58
Expenses	0.04	3.53	0.20	0.13	0.59	7.67	-3.59	6.33	5.03	8.13	0.57	19.82	1.50
Operating Profit	0.37	1.01	0.20	0.35	-0.04	0.15	4.19	6.04	1.64	-4.48	0.24	0.23	0.08
OPM %	90.24%	22.25%	50.00%	72.92%	-7.27%	1.92%	698.33%	48.83%	24.59%	-122.74%	29.63%	1.15%	5.06%
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.89	-0.06	0.00	0.00	0.00
Interest	0.00	1.31	0.02	0.02	0.02	0.03	0.01	1.42	0.24	0.01	0.01	0.01	0.01
Depreciation	0.00	0.04	0.06	0.06	0.06	0.03	0.05	0.05	0.05	0.13	0.05	0.05	0.05
Profit before tax	0.37	-0.34	0.12	0.27	-0.12	0.09	4.13	4.57	0.46	-4.68	0.18	0.17	0.02
Tax %	24.32%	23.53%	25.00%	25.93%	-25.00%	22.22%	25.91%	26.04%	26.09%	-26.07%	27.78%	23.53%	100.00%
Net Profit	0.28	-0.43	0.09	0.20	-0.09	0.07	3.06	3.38	0.34	-3.46	0.13	0.12	-0.01
EPS in Rs	0.00	-0.00	0.00	0.00	-0.00	0.00	0.03	0.04	0.00	-0.04	0.00	0.00	-0.00

Last Updated: March 3, 2026, 12:21 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 9:16 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	0.01	4.74	3.50	7.78	6.00	4.63	8.28	4.19	32.59	6.92	9.24	23.30	26.09
Expenses	0.04	4.34	3.06	7.56	5.78	5.10	7.98	3.89	31.94	5.09	8.59	16.92	30.02
Operating Profit	-0.03	0.40	0.44	0.22	0.22	-0.47	0.30	0.30	0.65	1.83	0.65	6.38	-3.93
OPM %	-300.00%	8.44%	12.57%	2.83%	3.67%	-10.15%	3.62%	7.16%	1.99%	26.45%	7.03%	27.38%	-15.06%
Other Income	0.06	-0.07	0.00	0.00	0.03	0.00	0.00	0.00	0.00	0.00	0.01	0.00	-0.06
Interest	0.00	0.00	0.00	0.00	0.02	0.10	0.02	0.01	0.21	1.32	0.09	1.70	0.04
Depreciation	0.01	0.01	0.02	0.02	0.02	0.03	0.03	0.04	0.05	0.07	0.20	0.20	0.28
Profit before tax	0.02	0.32	0.42	0.20	0.21	-0.60	0.25	0.25	0.39	0.44	0.37	4.48	-4.31
Tax %	100.00%	37.50%	33.33%	30.00%	23.81%	-3.33%	0.00%	24.00%	25.64%	25.00%	27.03%	25.89%
Net Profit	0.01	0.20	0.28	0.14	0.15	-0.58	0.24	0.18	0.28	0.33	0.27	3.31	-3.22
EPS in Rs	0.01	0.00	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	0.00	0.00	0.04	-0.04
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	1900.00%	40.00%	-50.00%	7.14%	-486.67%	141.38%	-25.00%	55.56%	17.86%	-18.18%	1125.93%
Change in YoY Net Profit Growth (%)	0.00%	-1860.00%	-90.00%	57.14%	-493.81%	628.05%	-166.38%	80.56%	-37.70%	-36.04%	1144.11%

ARC Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	17%
5 Years:	23%
3 Years:	-11%
TTM:	149%

Compounded Profit Growth
10 Years:	32%
5 Years:	76%
3 Years:	143%
TTM:	-66%

Stock Price CAGR
10 Years:	%
5 Years:	75%
3 Years:	2%
1 Year:	-33%

Return on Equity
10 Years:	1%
5 Years:	2%
3 Years:	3%
Last Year:	5%

Last Updated: September 5, 2025, 2:21 pm

Balance Sheet

Last Updated: December 10, 2025, 3:49 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	0.50	50.50	50.50	50.50	50.50	50.50	50.50	50.50	50.50	50.50	50.50	87.15	87.15
Reserves	0.35	0.06	0.33	0.46	0.61	0.02	0.28	0.46	0.78	1.12	0.68	11.17	11.43
Borrowings	0.01	0.00	0.00	0.00	1.00	7.79	1.01	0.09	25.16	14.76	16.09	0.58	14.74
Other Liabilities	0.09	0.28	0.53	4.11	4.26	2.57	5.31	3.68	2.83	4.56	4.24	1.45	2.31
Total Liabilities	0.95	50.84	51.36	55.07	56.37	60.88	57.10	54.73	79.27	70.94	71.51	100.35	115.63
Fixed Assets	0.10	0.04	0.02	0.01	0.14	0.12	0.23	0.19	0.27	1.57	1.37	1.27	1.16
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.68	6.98	2.26	0.62	0.47	0.46	0.60	0.35	0.35	0.35	0.30	2.62	2.37
Other Assets	0.17	43.82	49.08	54.44	55.76	60.30	56.27	54.19	78.65	69.02	69.84	96.46	112.10
Total Assets	0.95	50.84	51.36	55.07	56.37	60.88	57.10	54.73	79.27	70.94	71.51	100.35	115.63

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	0.00	-43.13	-4.50	-1.59	-0.13	-0.10	0.18	1.20	-10.45	-9.04	-11.57	-40.34
Cash from Investing Activity +	0.01	-6.71	4.72	1.55	0.00	0.00	-0.28	0.56	-13.27	6.99	9.68	-2.90
Cash from Financing Activity +	0.00	50.00	0.00	0.00	0.00	0.00	0.00	-0.91	25.07	0.73	1.32	43.99
Net Cash Flow	0.01	0.15	0.22	-0.04	-0.13	-0.10	-0.11	0.85	1.35	-1.33	-0.57	0.74
Free Cash Flow	0.00	-43.54	-4.50	-1.60	-0.29	-0.10	0.18	1.20	-10.45	-10.41	-11.52	-40.44
CFO/OP	0%	-10,780%	-995%	-600%	-59%	21%	77%	400%	-1,608%	-489%	-1,763%	-631%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-0.04	0.40	0.44	0.22	-0.78	-8.26	-0.71	0.21	-24.51	-12.93	-15.44	5.80

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	2,920.00	0.00	19.81	14.07	130.79	33.11	2.64	4.36	35.73	67.51	48.98	0.78
Inventory Days		9.75	7.27	148.50	101.80	266.50	175.53	413.25	115.96	1,229.08	1,076.47	571.35
Days Payable		0.00	24.72	230.81	267.89	167.23	243.81	428.10	30.11	443.75	4.17	0.24
Cash Conversion Cycle	2,920.00	9.75	2.36	-68.23	-35.30	132.38	-65.64	-10.49	121.57	852.85	1,121.29	571.89
Working Capital Days	4,745.00	3,347.37	5,035.96	2,329.81	3,031.32	3,939.32	-33.06	20.04	123.76	494.23	817.69	376.28
ROCE %	2.35%	1.52%	0.83%	0.39%	0.45%	-0.91%	0.49%	0.51%	0.94%	2.46%	0.69%	7.44%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	12.02%	12.02%	12.02%	12.02%	12.02%	12.02%	12.02%	6.97%	6.97%	6.97%	6.97%	6.97%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.06%	0.06%	0.06%	0.00%	0.00%
Public	87.98%	87.97%	87.97%	87.97%	87.97%	87.99%	87.98%	92.98%	92.97%	92.97%	93.03%	93.03%
No. of Shareholders	82,068	93,325	1,25,731	1,42,377	1,82,228	2,37,441	2,61,819	2,95,595	3,12,636	3,47,460	3,35,324	3,28,163

Shareholding Pattern Chart

No. of Shareholders

ARC Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	1.00	1.00	1.00	1.00	10.00
Basic EPS (Rs.)	3.80	0.01	0.01	0.01	0.04
Diluted EPS (Rs.)	3.80	0.01	0.01	0.01	0.04
Cash EPS (Rs.)	0.04	0.01	0.01	0.01	0.04
Book Value[Excl.RevalReserv]/Share (Rs.)	1.13	1.01	1.02	1.02	10.09
Book Value[Incl.RevalReserv]/Share (Rs.)	1.13	1.01	1.02	1.02	10.09
Revenue From Operations / Share (Rs.)	0.26	0.18	0.13	0.64	0.82
PBDIT / Share (Rs.)	0.07	0.01	0.03	0.01	0.05
PBIT / Share (Rs.)	0.07	0.01	0.03	0.01	0.05
PBT / Share (Rs.)	0.05	0.01	0.01	0.01	0.04
Net Profit / Share (Rs.)	0.03	0.01	0.01	0.01	0.03
PBDIT Margin (%)	27.32	7.11	26.56	1.97	7.11
PBIT Margin (%)	26.45	4.93	25.51	1.81	6.09
PBT Margin (%)	19.21	3.97	6.39	1.17	5.86
Net Profit Margin (%)	14.21	2.93	4.73	0.87	4.34
Return on Networth / Equity (%)	3.36	0.53	0.63	0.55	0.35
Return on Capital Employeed (%)	6.14	0.87	3.34	1.14	0.49
Return On Assets (%)	3.30	0.37	0.46	0.35	0.33
Long Term Debt / Equity (X)	0.01	0.01	0.01	0.00	0.00
Total Debt / Equity (X)	0.01	0.31	0.28	0.49	0.00
Asset Turnover Ratio (%)	0.27	0.12	0.09	0.48	0.07
Current Ratio (X)	830.57	3.61	3.81	2.86	15.65
Quick Ratio (X)	630.13	2.41	3.18	2.51	14.69
Inventory Turnover Ratio (X)	0.98	0.00	0.00	0.00	0.00
Interest Coverage Ratio (X)	3.77	7.40	1.39	3.10	31.43
Interest Coverage Ratio (Post Tax) (X)	2.96	4.05	1.25	2.37	20.17
Enterprise Value (Cr.)	91.04	56.68	46.20	161.83	18.48
EV / Net Operating Revenue (X)	3.91	6.14	6.68	4.96	4.42
EV / EBITDA (X)	14.30	86.20	25.15	251.68	62.11
MarketCap / Net Operating Revenue (X)	3.93	4.43	4.67	4.26	4.60
Price / BV (X)	0.93	0.79	0.62	2.71	0.37
Price / Net Operating Revenue (X)	3.93	4.43	4.67	4.26	4.61
EarningsYield	0.03	0.01	0.01	0.00	0.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

ARC Finance Ltd. is a Public Limited Listed company incorporated on 23/03/1982 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L51909WB1982PLC035283 and registration number is 035283. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 23.30 Cr. and Equity Capital is Rs. 87.15 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	18, Rabindra Sarani, Poddar Court, Kolkata West Bengal 700001	Contact not found

Management
Name	Position Held
Mr. Virendra Kumar Soni	Executive Director
Mr. Somnath Chitrakar	Executive Director
Mr. Gopal Singh	Independent Director
Mrs. Aparna Sharma	Independent Director
Mr. Asis Banerjee	Independent Director
Mrs. Shikha Singhal	Executive Director

FAQ

What is the intrinsic value of ARC Finance Ltd and is it undervalued?

As of 03 April 2026, ARC Finance Ltd's intrinsic value is ₹0.59, which is 18.00% higher than the current market price of ₹0.50, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (4.43 %), book value (₹1.13), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of ARC Finance Ltd?

ARC Finance Ltd is trading at ₹0.50 as of 03 April 2026, with a FY2026-2027 high of ₹1.54 and low of ₹0.44. The stock is currently near its 52-week low. Market cap stands at ₹43.6 Cr..

How does ARC Finance Ltd's P/E ratio compare to its industry?

ARC Finance Ltd has a P/E ratio of , which is below the industry average of 98.51. This is broadly in line with or below the industry average.

Is ARC Finance Ltd financially healthy?

Key indicators for ARC Finance Ltd: ROCE of 7.44 % is on the lower side compared to the industry average of 21.71%; ROE of 4.43 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is ARC Finance Ltd profitable and how is the profit trend?

ARC Finance Ltd reported a net profit of ₹3 Cr in Mar 2025 on revenue of ₹23 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does ARC Finance Ltd pay dividends?

ARC Finance Ltd has a dividend yield of 0.00 % at the current price of ₹0.50. The company is currently not paying meaningful dividends.