ARC Finance Ltd (ARCFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹471M
Fair value as of: Jul 5, 2026
From 24 valuation models · updated today
Share price −1.8% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹0.4500 – ₹0.9800 · fair‑value band ₹0.1200 – ₹0.4000 · the ₹0.5400 price screens above the ₹0.1700 fair value. As of Jul 5, 2026.
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ARC Finance Ltd (ARCFIN) currently trades at ₹0.5400, while our model-based Fair Value estimate is ₹0.1700 — implying the stock looks roughly 68.5% overvalued today. We read business quality at 38/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, ARC Finance Ltd generated revenue of ₹277M at a net margin of 2.6%. Revenue grew 45.8% year over year. It earns a return on equity of 0.7%. Net debt stands at ₹136M. Fundamentals as of Jul 5, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
ARC Finance Ltd, a non-banking finance company, engages in the lending business in India. The company offers loans and advances; and various financial services. It also invests and trades in securities. The company was formerly known as ARC Modellors & Services Limited and changed its name to ARC Finance Ltd in February 1993. ARC Finance Ltd was incorporated in 1982 and is based in Kolkata, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
ARC Finance Ltd reported revenue of ₹281M in FY2026 versus −₹54.0M in FY2022. Reported net income was ₹7.2M in FY2026, compounding +26.4%/yr from FY2022.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €283.80 | €135.27 | -52% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
| M4I M4I | €430.50 | €367.81 | -15% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $183.20 | $122.33 | -33% |
| Bajaj Finance Limited BAJFINANCE | ₹962.40 | ₹397.61 | -59% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.